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    • she and  johnson need to be kicked off the taxpayers credit card - for starters I'm certain there is cause - taking up 'jobs' when they shouldn't, bringing the nation into disrepute with their antics .. I'm sure it would be a very popular act from a new labour guv
    • Please have a look at this draft letter. It is modelled on yours but I have cut out a load of the unnecessary information. Also, the responsibility lies with the finance company because the vehicle was brought on hire purchase. You send it to them and a copy to big motoring world.   Let us know if there's anything that you disagree with, which is wrong, which you think should be added
    • According to Alastair Campbell on Twitter, anti-Le Pen parties are pointing to RN's fiscal policies and saying they'll cause a 'Truss-style market meltdown'. Liz Truss charged taxpayers for Amazon Prime subscription - Mirror Online WWW.MIRROR.CO.UK The subscription costing £95 gives the ex-PM free shipping from the retail giant, as well as the ability to stream films and TV shows such as My Fault...  
    • Thank-you @BankFodder, your statement is a correct understanding of my position and I agree, it is actually really what I was looking for in starting this thread, as I too believed that the maximum I could claim for is that which I sold it for, even though this was substantially below market value at the time. And so, this sold value is what I shall be claiming for + the other expenses. @dx100uk I get your point, but this is just not what I want to expose myself to. Unfortunately I was one of the unlucky ones to have my details stolen in the Peoples Energy hack, and in 2020 I discovered that those details had been used to take out car insurance, and that the insured was then involved in a collision and my details were dragged through the mud. Despite Aviva cancelling the claim and treating as though it never were, even though I have the letters from them to say that they have removed this claim from the insurance database, I still get refused insurance and credit products to this day until I send across the letter from Aviva which explains that I was a victim of fraud. So you'll forgive me for not jumping up and uploading my data to a server utility for which I have no control over its retention policy, or where the server is located globally, its legal jurisdiction, or its security protocols.
    • Speeding (Revised 2017) – Sentencing (sentencingcouncil.org.uk)  
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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.

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      Many thanks 
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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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    • 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.

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      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.
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      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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timpg and Hamptons & Lowell


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I'm starting a thread for timpg who is having problems with Hamptons & Lowell DCAs

 

Over to you timpg !!

 

Lex

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Many thanks mr lex

 

Basically the problem I have is,in the last couple to three months my partner has been receiving letters from Lowell/red over debts which we suspect are over 6 yrs old(I have been with my partner for around 6 years and know she hasn't incurred such debts in our time together).she knows she's had debts she hasn't paid from years ago.my partner doesn't recognise who Lowell state the debt is with,we suspect they might have bought old debts in hope of us paying up.my partner is a home maker and I'm the sole earner in the household,so she couldn't personnaly pay the debts herself,it would have to be me.but just recently we have been receiving calls from hamptons,whom I read are a department of lowells,the advice in asking is what action do you recommend I take,(we haven't replied or made any contact with Lowell red or hamptons yet).thank you for your time,and keep up the gd work with the forum,I'm always reading up things for advice on here lol!

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If no payments within 6 years, then the debt will be statute barred and therefore not enforceable. If she sends this letter (link below), it is up to Lowell to prove that there has been a payment within 6 years or to stop chasing for payment. Lowell/Red/Hampton are all the same. Just send to whoever has written recently.

 

http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred

 

If she lives in Scotland, there is a different letter in the CAG library.

We could do with some help from you.

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Thank you for the fast reply,can I send this letter even if we are not 100% sure debt is sb?just I met my partner around 6yrs ago but were not 100%.if the debt does turn out its not sb,what action do you recommend?should I agree to pay them?thanks again

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Check your cra files and see what they say about these debts.

 

Agreed. If not certain about the debt being SB'd, then check the credit record. If it is not on there, then send the letter. If the debt is on record, it is worth checking with the original creditor when the last payment was, as the default date on credit records can often be wrong.

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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Sorry iv only just replied.thankyou all for the advice.i know I may sound dumb,but how do I check cra files??im not very clued up in this sort of thing as you can probably tell.also,thinking back,my partner received a call before these letters started coming.it was from a guy who reckon his company can consolidate her debts,knock money owed off or offer her an iva,if id know who she was talking to i would have told her to hang up,but she told the guy she had debts(not sure if she told him exactly what they were).the guy then said he couldn't realy help her then these letters started arriving a mnth after,you don't think there's a coincidence there do you??the other thing is if it is Lowell doin a sneaky then has she effectively owned up to the debts?

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Don't worry about any phone calls. It could be anyone. Sounds more likely to be a debt advisory company looking to arrange some form of plan, for which they pocket a commission.

 

You can use this one to check the credit file, without any possibility of getting a subscription by mistake. https://www.noddle.co.uk/

 

The Noodle link above is not the best as it is not always up to date. The alternative is to use the Experian free trial, but to remember to cancel within the 30 days to avoid a subscription.

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

 

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

 

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