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    • A claim was issued against you on 22/04/2024 Your acknowledgment of service was submitted on 06/05/2024 at 13:28:08 Your acknowledgment of service was received on 07/05/2024 at 01:05:18 Your defence was submitted on 23/05/2024 at 21:20:03 Your defence was received on 24/05/2024 at 08:05:43
    • I drove a friends a car for a few days and I used cuvva car insurance to insure myself for the time period. Here's the problem: I made a mistake with the dates on the insurance, I ended up driving uninsured for one day and I got a speeding ticket. My friend named me as the driver on the Notice of Intended Prosecution as she should and I will take the blame of course. Will met police ask for proof that I was in fact driving? I mean, any more other than me replying to the NIP that I will soon receive from them? Cause I assume that my insurance for the day will be the proof that they need... Secondly,  if caught driving uninsured, what will happen please? I read it's £300 and 6 points. Is that all or is it worse? I'm only asking for information from knowledgable people. If you intent to just mock, you're certainly not helping. Thanks
    • Hi, Please find letter sent to BMW with all evidence off issues which is a link from Audi. Unable to share the footage on this forum as I am not the best with tech BMW FAULTY CAR LETTER.docx
    • This is the first item that I've ever claimed for - I don't really send too many parcels, probably 5 in the last 5 years, and only two with P2G / EVRi. I've attached two emails from P2G regarding their requiring the documents. They don't specify in the emails what documents I should be sending, although when opening the claim they were requesting that I needed photographic proof of sending - picture of the parcel with their label attached, in the EVRi ParcelShop. The second email is their closing the enquiry due to my failure to produce said document(s). I haven't yet drafted my claim letter, I wanted to be sure of this document situation first before I began action. But therein lies another problem. Not having a P2G account, I cannot be sure of the item value that I declared. The retail value at the time was £600, which is less than the £650 I paid several months earlier, so I would likely have used that, but cannot be sure. And without having an account I can't check either. But, I know that I did properly declare the item and a value that reflected its then retail price - I was concerned this declaration may have been used to single the item for theft. But now that the retail price has reduced substantially, even though the nature of compensation is to return the claimant back to their original position, without my purchase receipt, I was concerned that I may have to claim for less. And yes, I've been through your huge document store of information, in addition to MoneySavingExpert, Which, Citizens Advice, Gov.uk "make a court claim", my own law books (annoyingly I specialised in consumer law when I studied for my law degree, but I graduated 17 years ago), and so now feel that its time to either act, or drop it. P2G Enquiry (2).pdf P2G Enquiry (1).pdf
    • I have found both forms online  https://assets.publishing.service.gov.uk/media/62e14db38fa8f5649f912647/TE9.pdf https://assets.publishing.service.gov.uk/media/60c73ad0d3bf7f4bd6a9bc69/te7-dart-eng.pdf   do i just fill in both forms and send to the address on them or directly to Manchester council  forgive my ignorance    thanking you in advance 
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      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.

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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.

      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.

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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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