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Ignore that its a standard letter as below Attachment of Earnings - If you are employed, money could be deducted directly from your employment salary to repay the debt. Charging Order - If you own your home, the debt could be secured against your home, meaning that when you come to sell, the proceeds would be used to settle the debt in full. A separate application could also be made to force the sale of your home to repay the debt. Warrant of Execution - Personal goods/possessions could be seized up to the value of the debt and sold at auction. Bankruptcy - Bankruptcy Proceedings can be commenced in relation to judgments debts exceeding GBP5000. If legal action is taken the total amount you owe will be higher than the current outstanding balance as recoverable costs and interest incurred since the instruction of IDR and during the legal process will be added to the debt. To prevent further action you must get in touch with us. We are still keen to work with you by understanding your circumstances and agreeing a fair solution. -
thread title updated. go do a chargeback and that money back from DWF. it is NOT A FINE. its a fake civil restoration SCAM. it goes in their pocket for down the pub. M&S see nothing. dx -
Hello, Have recieved a leter of claim from Drden on a student loan debt. Having read through will follow and tick Box D and request CCA but wanted to check if this was any different as not a credit card. Thanks T Letter of Claim Redacted.pdf -
By Johnny1 leg · Posted
Further update - emails are getting a bit more threatening, talking about CCj's, Attachment of Earnings, Warrant of Execution, Bankruptcy and Charging Order - i am not replying. am i right to keep ignoring these? i sent my creditor an address update a few weeks ago and IDR are still sending letters to my old address, so i dont believe they are acting in good faith. -
By FightUnfairParkingTickets · Posted
Hi Nicky Boy Many thanks for your welcome to the group and your advice. Thank you everyone for your advice and guidance so far. I will update you further if i receive a Letter of Claim. Kind regards FightUnfairParkingTickets
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If you are buying a used car – you need to read this survival guide.
BankFodder posted a topic in Vehicle retailers and manufacturers,
If you are buying a used car – you need to read this survival guide.-
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Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld
ATJ posted a topic in Vehicle retailers and manufacturers,
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.
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A2Dominion - Housing Association property flooding - damning ombudsman report
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Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299-
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Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available
BankFodder posted a post in a topic,
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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