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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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Hello,

 

I had a bad experience with these people.

I borrowed £400 and today it is over £2400 in debt with them.

 

Continued harassment by NDR and MH Bailiffs, who for those who dont know, are owned by the same owners as ToothFairy. It's all a [EDIT].

 

I am refusing to repay, and I am happy for them to take me to court where I will fight them.

 

There is no note on my credit file regarding ToothFairy. I'd like to know if this is the same for everyone?

 

Has anyone ever been visited by a real bailiff, or been taken to court by these people?

 

I have launched a website to warn others and share peoples bad experiences with these people.

 

Please visit the site and share your experiences.

 

 

 

No more victims.

 

Please reply to this thread with your experiences

 

Thanks and best of luck.

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Have you made a full complaint to toothfairy and the oft? Toothfairy will ignore it (theyrr really speedcredit using a different name) but you need to make the complaint so the fos can investigate.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have made a compliant, but that will only do so much.

 

I am fighting my own battle, but I have set up a website to warn others.

 

If people can reply to this threat with their experiences with tooth fairy, I will include it on the website.

 

I dont want others to feed these people.

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The thing is, toothfairies background and business ethics are well known around the web. Anyone who comes here can easily see how they operate and infact, a few admins on here did a thorough background check on Speedcredit, Larholt etc.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 weeks later...

Hi

ToothFairy Finance are a terrible bunch, and i will not do any business with them again.

I borrowed £400, i did not pay on the exact day, but i did pay the next working day. But that is too late, and they claim that because i am 1 day late, i now owe them £1048.

When you contact them to complain they say, sorry but i`m just the computer operator, you must speek to a supervisor.

The supervisor is never available, and it is very difficult to contact them. They also make it difficult to repay your loan, with their dodgy website, and they do not send you any contract, nor an instruction "how to re-pay", or make it clear to you.

 

The thing that irritates me, is that they have all your contact details, but do not make any effort to contact you, nor send you a reminder. They are very quick to start taking legal action, and then start helping themselves to take extra money from your account, but not for the actual loan re-payment, but only for the amount they now claim you owe.

 

Where do they come up with these extra charges ? Who do they think they are ?

I`m going to fight them, not pay them any extra money, if it goes to court, and i tell the Judge that i did pay in full the next working day, they should throw it out of court. The extra money they want, they will have to get it from getting themselves a real job.

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Ignore these clowns, they sent me a default notice and added £10 to my balance BEFORE my due date. I even logged in to their site to see if a rollover was possible, and it wasn't. Then they sent me a list of charges they had added as follows:

 

Loan and Interest £516

Legal Fees £150

Recovery Fees £200

Repayments todate £54

Total £472

 

The loan/interest was only £408, and from the imaginary fees they've tried to add they obviously can't use a calculator!

 

Moral of the story, ignore the muppets.

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Ignore them. They are a solicitor for hire. If they write, simply TELL them that the debt is in deep dispute. I would post some info about the man behind toothfairy but a simply google search will show some rather 'interesting' results.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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