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    • The economic research group as the main parties have “ducked” addressing public finance challenges.View the full article
    • Thanks. In that case when it comes to preparing my court bundle I will remover the Bradbury v UPS case. And I agree, @occysrazor 's case is the strongest asset I have in defence. Hopefully the necessary literature will be available by the time of my court date.  
    • Some of this seems to hinge on him not being properly instructed by POL or their legal reps. He was said to be an independent expert but doesn't seem to have known that he should reveal all evidence he was aware of and not just the bits that suited Fujitsu/him. I know he asked for immunity from prosecution, is it still the case that Wyn Williams doesn't want to do this? The last I saw there was still a perjury ivestigation.
    • So I like a bit of fun with the horses and have a few profitable tipsters, when i make a profit i re-invest and try more, nice little way to work on the side. This site looked promising however after joining a Telegram group I was not at all happy with the service as it was completely dead.. a week went past... I thought it was brokedn (expecting 14 tips by now)... 2 weeks went passed.. a tip came in about something happening in a few weeks... the month was nearly up (£49 couldnt be recouped by these bets) I complained via email asking for a refund as it was not as advertised, website says 1-2 tips a day, i expected that.  There's no way i could recoup £49 a month on 1 or two tips.  I didnt get a reply. I tried again,  no reply. Ive then had to up the email wording to request Im now really not happy. I get a reply and it appears they agree a refund (this doesn't get processed) Fed up i send a notice before action letter. I then get various emails of a very unprofessional manner and one towards the end that sounds a bit like a threat. I would encourage others to be very cautious about this website and if that was a threat (I know where you live, i have your postcode)  It becomes a police matter.  Im sure, it is just a recording of my personal data so I cannot be allowed in the telegram group again. Either way, is there anything ive missed? Emails below in order.   On 22/05/2024 11:31,  wrote: Hi I havent had a response to my last two emails, and Im not getting what's displayed on the site (1-2 bets a day) Please can you process a refund as its not what I was expecting   Thanks   --------- From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 22 May 2024 12:17 To:  Subject: Re: REFUND   Hi X, Are you still in the private telegram group? Regards, Ash -- On 22/05/2024 12:21, I wrote: Hi Its all still logged in yes as per the day it was set up   thanks ---- From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 22 May 2024 12:25 To:  Subject: Re: REFUND   Hi X That is fine. When did you send the previous emails? This is Marc speaking here I run the service. So on the 1-2 bets per day, some days there are no selections because there is no value or information. It is impossible to make profit long term betting every single day. Did you get on Macduff 33/1 for the Derby? Regards, Marc ----- From: X Sent: 22 May 2024 12:41 To: info@premiumracingtips.com <info@premiumracingtips.com> Subject: Re: REFUND   Hi Marc, I sent a mail on the 16th initially then Monday this week to follow up.   Yes, Got a Derby tip through but nothing else in a week   Ive based this on needing £50 profit required to break even, so expecting 1-2 bets a day (sorry) , £2 average bet profit needed to make a small profit after the subscription fee, as a test then move up as confidence grows   I probably need a larger starting bank to benefit from this properly.   Thanks X ======================================== Then, no further correspondence received until almost a month later: ====================================== 17/06/2024 Good afternoon,   Further to my correspondence below I am notifying you of court proceedings.   If I do not receive a satisfactory response from you within 14 days of the date of this letter, I intend to issue proceedings against you in the county court without further notice. Court fees will be added to the final invoice adding £215 minimum to the refunded amount and this will affect your ability to get credit.   I refer you to the Practice Direction on pre-action conduct under the Civil Procedure Rules, and in particular to paragraph 13-16 which sets out the sanctions the court may impose if you fail to comply with the Practice Direction. I look forward to your acknowledgement. Yours faithfully, X   ============== NOW i get a response! =============   Tuesday 18th/06 Evening X Firstly, I know the law (family member is a QC) so this legal jargon does not work with me. Secondly, you were already processed a pro rata refund on the 5th of June 2024. Sometimes this does not appear on the bank statement. The bank can find this with the Acquirer Reference Numbers (ARN) - 88888888888888888 Once the bank have confirmed this I would personally like an apology for the time you have wasted and the serious accusation. Regards, Marc =================================================== I was going to drop it at this point, throw it in my spam folder as a mistake in my judgement, lessons learned to do due diligence on such a company next time, however this then got my back up when a pestering follow up arrived: ==================================================   From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 20 June 2024 18:35 To:X Subject: Re: Notice Before action - Court proceedings   Hi X Still waiting on a response and an apology? Regards, Marc --------------------------- On 21/06/2024 09:11, X wrote:  I dont think you read the email correctly, so I will presume you misunderstood.   The only thing Im sorry about is using your service.    To recap:   You didn't respond to emails, of which I had to send multiple to get an ounce of attention You did not confirm any refund or ask to agree on pro-rata reduced refund You do not send out 1-2 tips a day as per your website (trade description act breach) And you seem to forget who is the customer here, you have been dismissive and non responsive and now asking for an apology??   My 14 day notice still stands, I am currently not satisfied with the response and a full refund is still outstanding.   This can be processed easily and without further waste of time. Please process this or send on your final response on this matter (letter of deadlock) so next steps can be taken.     ------------------------------------------------- Sun 23/06/2024 21:18 High importance You replied on Mon 24/06/2024 09:06 Evening X Thanks for another email. Payment has been refunded Acquirer Reference Number (ARN) 8888888888888888888 (altered for security) I am sending this again as you did not acknowledge you have received the refund. This was processed on the 5th of June 2024. Sometimes I have bad actors that join my service and try and defraud my business with similar tactics to what you are attempting. It's pretty embarrassing that you are attempting to defraud a business after you have already been refunded. Tells me a lot about your character. I advise you use this link - https://www.gamstop.co.uk/ Also, for future reference this is your postcode - xxx xxY ???  (altered for security) Regards, Ash -------------------------------------------- My final mail: --------------------------------   I do not agree with any of your statements, in order for fraud to occur something must be untrue. You have other unhappy customers, that's interesting to know.   I acknowledge a partial refund has been received for  £24.99  - so  £25 is still outstanding.  I do not agree to a pro rata refund for something I haven't received.   Thanks for the link, but it doesn't apply to me (unless that was an insult, if so, you're 'business' condones insults to customers?)     Thank you for acknowledging you also have my personal data on file. Under GDPR, I do not consent to you storing any of my personal data and this now must be deleted as well as anywhere it may have been shared.   Thank you  
    • He will be grilled thoroughly, however those above him as culpable.
  • Our picks

    • 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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Ok

 

firstly hi,

this is my 1st post on here.

 

 

I have however been reading endless posts and in part this has made me and my wife make

the final decision to stop trying to deny our dept and hit it head on.

 

We are about £32000 in dept between us and although I haven't done a full budget plan yet

I have roughly calculated at this point we can spare £800 per month to go to our creditors.

 

The first thing that worries me is they will just refuse a monthly payment once they are defaulted

and the second issue is getting them to stop or reduce the interest.

 

 

Actually I know this might sound mad but from what i have read it looks like I may actually be better off

if some of these creditors file for a CCJ. At least that would be a stop to excessive interest.

 

 

I am sure I will get some proper advice when I post my particulars.

I am seriously not bothered about credit rating,

our only aim is to clear this dept in full and as quickly as possible.

 

needless to say I will be calling on all you guys for assistance as I start and then progress this journey.

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You might be better off considering bankruptcy and starting out from zero.

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Whilst nowhere near the amount you find yourself in, (Although Sadly I ended up on ESA then JSA and soon hopefully back to full time work now I passed the medical woop woop)

I too decided this year to start taking back control.

 

If Bankcupcy et al isnt desireable or achievable then there may be other things you can do. But for that you would prob need to Sort all your paperwork out. Separate all debts and paperwork.

 

Create a thread for every debt in the appropriate forum.

 

For Credit cards and Loans do a CCA and Full SAR Request

For Current accounts do a Full SAR

 

Then look for PPI, Packaged loan fees, Credit Card charges eg over limit, returned item and late payments and start the process. If you have the paperwork and or can get it, you can go back over 6 years. And in some cases claim for interest in restitution.

 

A lot will depend on what information you have and can get and how you are effected by the above and the impacts they would have if successfully challenged on your total balance.

 

Good luck, Hope to see you as well at the end of my journey to become debt free XD

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Hi timeforchange2014

 

This is just a thought, have you been mis-sold PPI on any of your accounts?

 

Have a read of 1,2 and 3 in my signature.

 

Ok

 

So firstly hi, this is my 1st post on ghere. I have however been reading endless posts and in part this has made me and my wife make the final decision to stop trying to deny our dept and hit it head on.

 

We are about £32000 in dept between us and although I haven't done a full budget plan yet I have roughly calculated at this point we can spare £800 per month to go to our creditors.

 

The first thing that worries me is they will just refuse a monthly payment once they are defaulted and the second issue is getting them to stop or reduce the interest. Actually I know this might sound mad but from what i have read it looks like I may actually be better off if some of these creditors file for a CCJ. At least that would be a stop to excessive interest. Anyway I am sure I will get some proper advice when I post my particulars. I am seriously not bothered about credit rating, our only aim is to clear this dept in full and as quickly as possible.

 

Anyway needless to say I will be calling on all you guys for assistance as I start and then progress this journey.

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And also there are other ways i believe to get interest stopped before getting ccjs against u.

 

Someone should be able to point u the right way

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Hi fkofilee

 

First Direct Overdraft - £900

 

First Direct Loan - £1500

 

First Direct Gold Card - £3000

 

2 X Aqua Cards - £3100 on each

 

Barclaycard Goldfish - £1700

 

Barclaycard Visa - £1600

 

Santander Credit Card - £1500

 

Capital One Card - £750

 

Tesco Credit Card - £3000

 

Very Catalogue - £4500

 

Litlewoods Catalogue - £2000

 

Next Directory - £1600

 

Lloyds TSB Credit Card - £1300

 

Virgin Credit Card - £1400

 

 

All of these are still with the original creditors and are only now going to have missed payments on them

due to my wife going to be out of work.

 

 

She is going to another job but the salary is quite a bit less and she will not see any pay now until the end of August.

 

 

I will not be making any payments to the until the end of August

when I was going to send a DMP to them to show how we are going to repay it all.

If only they would freeze interest the rough plan we did showed they would all have been paid in full in just over 3 years.

But I guess they are not interested in that and will just want to add what they can.

 

 

How quickly are these likely to default and sell the depts on??

It seems from reading posts on here that this is the average point at which the interest stops.

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  • 3 months later...

Hi all

 

Well back in May I posted on here saying that myself and my wife had had the light bulb moment.

That moment where your gut is in knots as the reality of your debt hits you.

 

I read endless posts from people in the same situation and people that felt the same as us. Simply terrified!

 

I made my first call to Step Change in May to talk to them about the problems we were in and I have to be honest they were brilliant.

I went through our income and expenditure and what got us into such a mess. They didn't judge at any point and were really helpful.

 

I estimated that we were approximately in £32000 worth of debt and at the time I was resigned to the fact we were going bankrupt.

Within 20 minutes Step Change had convinced me that bankruptcy really wasn't necessary

and with our salaries we could pay this debt off in a reasonable amount of time.

 

I decided after reading forum after forum on the internet that maybe Step Change wasn't for everyone.

I am quite an independent and strong character and my wife is to.

Yes we felt disgusted with ourselves for the mess that WE had caused

but on the same note WE felt that WE should lead ourselves out of it.

Neither of us are afraid of speaking to people in difficult situations and we never let people get the better of us.

 

a month ago we set about contacting our creditors witht he aim of having all interest and charges stopped and us paying the full remaining balances back in full.

 

I have read endless posts from people who have gone with Step Change and others

and that only a few of the creditors have agreed to stop the interest and charges.

 

After a few weeks we have received 6 responses in total and all 6 have agreed to stop the charges and interest

and allow us to repay at the rate we offered.

Some of these creditors are also ones that have refused this to Step Change clients!!

 

I will keep updating this but please EVERYONE, sometimes it pays to take control yourself.

 

Your creditors are not all bad people. Be honest and be reasonable.

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well done

 

 

no PPI anywhere?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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