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    • Tell your electrician that they won't have to attend court. A simple statement accompanied by a statement of truth will be more than adequate and they won't hear anything more of it. Tell them that you will have to referred to in court anyway but a written statement will help a lot
    • Claimant: Lowell Portfolio I Limited Our Client: Walker Love Walker Love Ref: Original Lender: Balance:   We have been instructed by our client that you have failed to repay the sums due in respect of the above account. Your Agreement with our client is terminated, which means the balance outstanding is due and our client requires your proposals for payment. Please treat this letter as notice that, unless an agreement is reached within 7 days of the date of this letter, we are instructed by our client to commence court proceedings against you for recovery of the sums outstanding. This means that you may have a Court Decree registered against you. Any Court Decree registered against you may affect your ability to obtain credit in the future. If court action proceeds, we are also instructed to seek legal costs in addition to the sum outstanding from you in order to cover any outlays by our client in having to raise court proceedings If a Decree is obtained then we may be instructed to enforce that Decree which may include an application for an Inhibition against you. This will have the effect of preventing you from selling or granting any further securities against your house, or any land that you may own in Scotland. Rather than issue court proceedings our client would prefer to find a suitable solution to enable you to repay the sums outstanding to it.   To discuss how best these outstanding sums can be repaid please contact Walker Love within the next 7 days by telephone on 0330 678 0335 or by email at contact@walkerlove.com Proposals   Our client may be able to agree to accept less than the sum outstanding in settlement of the sums due from you or, if this is not an option for you, to agree regular payment instalments with you, based on a review of your financial circumstances.   If you need to seek advice then you may wish to contact one or more of the organisations listed below who are able to provide independent advice to you. Yours faithfully   +44 (0)3700 863 000 | www.shoosmiths.com
    • Received another letter today  from shoosmiths    saying they have been instructed to act etc 
    • Answers to Stu's questions: 1) I live in a communal building and so therefore I originally assumed that it was a communal dish for the entire building, although I have not heard anyone else complain about this. I am probably the only person who lives here that actually has Sky and so the only person who uses the dish in question. There is another dish on the same side of the building which is a bit below that one towards the corner of the building, but I know which dish serves my flat as it was directlyt above where the scaffolding originally was. When I saw the blue screen on my front room TV I immediately telephoned my local Housing Association, although since then it has mostly been email contact in the past six weeks. 2) I don't personally own the dish myself as it was already there when I moved in here back in 2014 - as a matter of fact, I didn't even know which dish served my flat when it came to receiving satellite TV channels on my Digibox. I believe by implication that Sky must have installed it instead. At my old place which was a council house before I moved here, I had a Sky dish installed which was my own (a bloke came one Sunday morning back in 2005 to do the honours) , although I left it behind when I moved so that the next people could use satellite TV,  and also due to the fact that there would already be a satellite dish at the back of the building at my new place as well as a satellite socket on the wall at the back of the TV and so therefore I didn't need to take my old one with me. My Digibox and my account came with me when I moved to my present address. I would also like to say that the workman who was working on putting the satellite dish right will be returning on tomorrow - Wednesday 26th June 2024 to finally correct the dish via a cherry picker and so for the first time in six weeks, I will have proper TV again in my front room! I will post again once more on this thread to let you know that it has officially been done. Meanwhile, I have everything crossed for tomorrow that the satellite TV will be back on again, because he had been let down twice already. Wednesday is Day 44 of this charade, and hopefully the final day of it as well.             
    • Thank you for all of your consideration and time on my case The revised letter is fine and approved at this stage. As far as I kno neither the toilet or basin were replaced, the holw referred to by the calimant was an access point to a stop tap that couldnt be moved due to the location at below floor level in the garage A few minutes ago i gothome to a posted hard copy of the claim the original respond date was 4pm 9thJuly  In the same post delivery I recieved a further letter showing an additional 14 days for response to 4pm 23rd July I altered my copy of the claim form posted  earlier so that we were all ware of the revised date Spoke to my electrician earlier and she is considerring whether to put it in writing in a statement of truth She doesnt like confrontation and may not.  Follows from email 20th may   The door frames, where it’s all not fitting correctly with gaps and warped timber used.  A relatively simple fix  £25 . Skirting boards on the curved parts where it’s been filled with a filla and not even been smoothed out.  as above £25 . The architrave isn’t joining correctly with one piece with a cutting taken out of it. ive not seen this so cant comment but a simple fix . Sliding door, no stopper was used to stop it going all the way back and isn’t aligned to the floor. a door stopper was fitted The door slides fully into the pocket to maximise a very tight access witha 2ft 3" door . The extractor going into the boiler where a round tubes been used to an oblong pipe. It’s also held on by gaffer tape.   not a good standard and an easy fix £25 . The window hasn’t been packed correctly and one opening window isn’t aligned. an easy fix it took 1 minutes on my return from holiday . One piece of flooring isn’t sitting flush so will damage very quickly. I hadnt seen this,  the flooring supplied by the c,aimant was apoor quality Bnq with click systme that didnt lock weel so a boad may have risen up again an easy fix to replace one board £25 The toilet is far too close to the radiator and you can’t get up if sitting down. The defendant showed the claimant the size of the room right at the beginning and had discussions about it being a tight space I supplied a short reach pan to maximise space. Difficult to change probable cost £2-300 or more dependong on the final position . The stop tap I cannot get my hand in to be able switch the tap off.  I cut  a hole in the bottom of the basin vanity unit I wsnt particulalry pretty but I have large hands and could turn off the stop top it was below floor level as mentioned earlier  £25 to make hole even bigger . The window you are aware of that’s cracked and you are replacing.  this was carried out by the defendant, appointment on 10th June on return from holiday    The claimants email of 10th june shows an extended list of items that his builder carried out in claimants absense while I was on holiday and without my consent  Quality of skirting board that was fitted around the curved wall inside the bathroom and also in the lounge.  see above . Toilet fitted too close to the radiator where you could potentially burn your leg Claimant shown this at outset I cant  comment too much as I have no measurments see above . Hardly no space for you to get off the toilet when sat down, especially if you are tall.  This was pointed out prior to fitting the floor . The hot and cold feed were incorrectly placed to the wrong connection on the sink  Easy 5 minute flexible pipe swap over £10 . The vanity unit isn’t suitable due to the position of the stop tap. Small hole cut in the vanity unit base to try and switch the tap off  see above . No caulk used around the door frames  easy fix £15 . The extractor fan, where you used a plastic round tube, going to a square tube that was held on by gaffer tape. The square tube then went into a round hole on the outside, this was then filled with foam gap.  Easy fix £25 . The pocket door felt like it wasn’t fixed well, the door at the bottom wasn’t sliding on to the runner very well and you had to help it onto the run. Also no lock on the door.  a relatively easy fix £25 . The boiler door frame had to be replaced due to the timber that was used. The door also was replaced due to the door being fitted to fix into the twisted door frame wood. The door had been shaved so it would fit into door frame that was twisted.  I wasnt aware of this prior to my holiday The architrave used inside the boiler room was short, had a piece taken out of it. The architrave in the toilet wasn’t fitted well.this is subjective . You used two single sockets for the bathroom and boiler room. Where I only needed to have I double switch. I fitted a 2 gang light light switch . The door frame going into the garage you left gaps between the wood and the wall.  maybe required a little filler of quadrant bead£10 . Door handle not fixed correctly and is stiff  easy fix £5 . The window, one opening window doesn’t look level, the other you can’t open it and leave it slightly open in a lock position  fixed by me on my return . Skirting by the radiator, the hole had been cut too big and had just been filled with filler.  ?? £10 to make good? . One plank of flooring wasn’t fitted flush and my toe caught it sitting upwards. poor quality flooring supplied by claimant an easy fix £25   All pricing is subjective as I didnt have the chance to  look at the complaints   Except for moving toilet and replacing pcoket door all snags are relatively minor items That could have been easliy remedied Interestingly he doesnt mention taking out the pocket door wall, lifting up the floor to move the toilet replacing drains and making new wall      
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Urgent Message from Citizen's Advice Bureau - tell your MP to back bailiff regulation today!


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Recommended Posts

http://newsletter.citizensadvice.org.uk/display.php?M=27695&C=1e627837b9823e9d5f702f61519a3df7&S=608&L=52&N=347

 

 

 

Hello,

 

I know I promised a last minute action in the last email but in truth I didn’t

plan it to be this last minute! We figured MPs would debate bailiff regulation

on Monday but no! we just found out they’re doing it tonight!

 

 

So we want as many people as possible to get in touch with their MP before tonight

and tell them to back new clause 7 on enforcement services and new

clause 17 on protection of vulnerable debtors. They’ve all got a

briefing that we sent them yesterday but if you want more details we’ve written

up a quick bailiff briefing for social campaigners

here

.

 

To get your MP to back bailiff regulation simply:

 

  1. Find our who is your MP is on findyourmp.parliament.uk
  2. Then either email them or head over to Twitter and search for them
  3. Then just tell them you want them to back new Crime and Courts Bill clauses 7 and 17 on bailiff regulation (add more detail if you want using our briefing)
     

If you want any help finding you MP or figuring out what to say we've put together our Social Campaigner's Lobby Guide to help you campaign on this and all sorts of issues.

 

 

Apologies for this being so so last minute!

 

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have written to my MP {Sir Malcolm Rifkind]. Hopefully, being Scottish where they don't have bailiffs, he will support the amendments.

 

It's a pity that this thread does not go to the top of the list when a post is added since I am sure that it would catch the eye of a lot more members when they logon.

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LFI, it does go to the top when a post is made, sadly this forum has quite a lot of people posting on other threads, so they, then go to the top. Making it a stikky will not IMHO make a difference.. although I will have a word with Senior Admin.. See if there is anything we can do.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Can I suggest you click on the "retweet" button on the twitter feed, that will keep that going as well.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Comes up invalid link

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Yes, it is coming up as an invalid link in the email I was sent as well. Not sure what I can do to restore it..

 

 

you want an examplesee me tweeting at my MP asking himto support.

You can retweet this link started by the sender of the email - CAB

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It is back at the top of the twitter feed and on Face Book - so if you could keep it going please..

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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little nudge.. do we even know what time this is being debated ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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