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    • Interesting question regarding what Government accounts opposition parties have access to, before an General Election. From what I understand, Government department accounts that are published are always lagging behind and would not include some amounts which are classified as 'commercially sensitive'.  Therefore opposition parties and Parliamentrary select committees would not have access to accounts which contain real time up to date information. If a new Government have found £20 billion of spending liabilities they did not know about, this could be true, as £20 billion is not that much when you look at total Government expenditure. Government department are making decisions on spending all of the time and it could be the previous Government were planning tax changes and/or spending cuts to balance the books.  Jeremy Hunt has recently said that if the Tories had stayed in Government and held an Autumn budget, it would have been very difficult to cut taxes as some had wanted.
    • Everyone knows the tories were hiding the costs - and even added 4 billion quid to the taxpayers high interest credit card to fund a chunk of the NI tax reduction - prime example - look at how much cost was hidden re the Rwanda dogwhistle -10 Billion quid     and re the handful of rebels on the benefit limit If the disasters (like the Rwanda rubbish) of Tory dogs being wagged by the extremist minority ERG tail doesn't highlight the issues .. Enlighten yourself here .. (fat chance) Sir Keir Starmer is right to show Labour rebels the door WWW.INDEPENDENT.CO.UK Editorial: Suspending seven MPs following their rebellion over the two-child benefit cap is more than a prime minister flexing his political muscle. It is a...  
    • Trump instigated that didnt he @theoldrouge despite losing the election - and Biden mitigated as much as he could within his boundaries?   "President Donald Trump ordered a rapid withdrawal of all U.S. troops from Afghanistan and Somalia in the wake of his 2020 election loss"   “The order was for an immediate withdrawal, and it would have been catastrophic,” said Rep. Adam Kinzinger, R-Ill., one of two Republican members of the special panel. “And yet President Trump signed the order.”   Trump ordered rapid withdrawal from Afghanistan after election loss WWW.MILITARYTIMES.COM The memo was among the latest revelations from the congressional committee investigating the Jan. 6, 2021, attack on the Capitol building.   Although i agree that Biden should have done more to mitigate Trump driven disasters
    • ok your WS is wrong. Paragraph 16 and 17 says  you did not contract with evri but this is not true - see below  Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency post 251 of occy thread - £844 lost    you should also add a paragraph on donough v Stevenson talking about the fact that even without contract there is still duty of care to goods and by failing to deliver this duty has been breached.   Make those changes and post it back up here and I'll check over things again
    • no we cant add the occy thing because leicster are being difficult people so we're just going to go without it for now
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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
      • 162 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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