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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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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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wonga & portfolio recovery associates.


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in 2011 I took out a wonga loan (stupid i know)

 

I paid some of it back but then fell behind and was hit with the usual huge charges!

 

They wouldn't accept the minimum amount per month I could afford

and passed the debt to portfolio recovery associates.

 

Fast forward 3 years,

 

I have a new job working for a reputable IT firm.

 

I recieved a call from my manager today telling me a debt collection company have just phoned for me!

 

He was absolutely fuming with me.

 

The thing is - i have never given this number to any debt collection agency!

 

I got my job 2 months ago and have not heard from wonga or portfolio for almost a year.

 

I phoned the number spoke to a rude scottish lady who told me they ran a search to get any contact details they could.

 

Are they allowed to do this now?

 

It has made me look very unprofessional at work

and I am dreading going in tomorrow with people thinking im in a massive amount of debt or something.

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the guidelines say that they shouldnt contact you at work and they should never say they are debt collectors if they do speak to someone else when they do phone.

Complain in writing to the company and make it clear that you withdraw permission to phone you on any number any implied right to visit your home/place of work is also withdrawn and that any contact should be in writing only.

Can you imagine the difficulties it would cause if they had the wrong person so it will be for the good of the company if you complain

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They ran a search on me and got my works phone number thats what I am most annoyed about. They didn't say they were a debt collection company however they said they were portfolio recovery associates - my manager ran a quick search and found out himself. The woman I spoke to took the number off the system but I am just angry they even got it in the first place.

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Get a full complaint in and read http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone

 

They should NOT be calling you on your employers number if you never provided it to them.

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 had this issue recently and caused a huge amount of embarrassment, i Hung them for it!

I would suggest phoning them and informing them that its to be in letter only, also i would say that you need to do this in writing as well to back it up (Right just noticed youve already done it)

Did they say that they would remove it or mark as a "Non Contactable"? They need to REMOVE it...

 

Guidelines or not, these companies still get away with this and shouldnt.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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They get away with it because nobody reports them. People say they do but they dont. Theyre just glad to have them off their backs.

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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What a lovely warm fluffy helpful bunch of nice people they are at Wonga...or so they want you to think with their propaganda better known as their TV adverts. However like the majority of the companies mentioned on here they are the same nasty sharks, I fell behind on a Wonga loan and MMF are chasing me for a £50 balance, it will be statute barred in June this year so guess what will happen after June. Bye bye MMF go and whistle for it.

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All PDL's are the same. They prey on vulnerable people in financial difficulty knowing that they can add on tons of charges and interest and the debtor wont know their rights and will pay it. See speedcredit/toothfairy/minicredit for proof of that.

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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Nothing will happen. The ASA doesnt care about what happens after. They just control the content of the ad.

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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