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    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
    • The average high street easy-access account pays 1.7% interest - but savers could earn 5% if they moved their money elsewhere. We look at which banks have the top rates.View the full article
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    • 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
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There is so much wrong here that it is difficult to know where to start.

 

Firstly, you must either go to the council or call them as there is a LEGAL obligation to send a summons. Next, once the Liability Order has been obtained there is LEGAL obligation for the council to WRITE to you to give you 14 days notice that they have obtained a Liability Order and that if not paid it will be sent to a bailiff.

 

Next, you should be WRITING to the bailiff to outline a payment proposal. I would NEVER suggest that a payment arrangement is made by damed mobile phone !!!

 

If you live in a flat or house there is NO legal basis whereby you have to let a bailiff into your home. The problem that this poses for the bailiff is very serious indeed. The statutory fees scale provides that a bailiff can only charge a fee of £24.50 for "attending to levy" (where no levy was made). He can charge a further such visit at the fee is £18.00 UNLESS the bailiff is able to levy...there can be NO further fees charged. The bailiff would not earn any money at all UNLESS he was bale to levy upon goods . He knows that the ONLY way for this to be achieved to to EITHER be allowed into the property or more simply...to "levy" upon a car OUTSIDE.

 

If you do not allow the bailiff into your home and do not have a car, then the fees that he can charge are "CAPPED" at £42.50

 

Finally, many people receiving these REMOVAL LETTERS wrongly believe that it means that they can be walking around the supermarket and that the bailiff has emptied their home "in their absence". Unless the door was left unlocked.... this CANNOT HAPPEN.

 

Instead, the letter means that if the bailiff attends when the debtor is not at home he can remove goods from the garden etc. This could include an expensive teak table and chairs, expensive BBQ, caravan etc.

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mickeymack I have doubt that your intentions are good but the advice that you are giving in a lot of other threads as well is not correct. As I have also said in response to a post on another thread I am a little bemused as to why you have decided to make posts on threads where there has been no further comments ( in some cases for nearly one month).

 

It is all to easy to buy a legal book and then use a small sentence from that book as justification that "apparently" the bailiff has acted illegally etc. In the case of John Kruse's book (as an example) it will be the case that anyone taking legal action etc should obtain a copy of the full judgment.

 

This is a common situation and in fact is the case on another forum which constantly refers to a case of Bernie Loynes as supposed "justification" that "apparently" the bailiff must obtain prior authority of the court for adding a fee to an account that is not provided in the regulations ( in other words...an additional fee...otherwise not provided for.

 

The person posting this INCORRECT information on that forum even uses the Loynes case to support his statement that fees cannot be applied to debtors when enforcing a Magistrates Court FINE.

 

If the person on that forum had actually read the Judgment in FULL he would have known of at least 2 vital points.

 

One: Bernie Loynes case was in relation ONLY to fees charged under the High Court Enforcement Officers regulations and in particular: Fee 12.

 

Secondly, Bernie Loynes actually LOST his case when he appealed !!!

 

As I have said very often, if you read a legal book this does not make you a lawyer in the same way that by building an Airfix model you will not become a Pilot....

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