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Also if it does go legal - Then you can defend and the judge will ask "The Creditor" why what you are paying isnt enough... They then have to justify it. If you can push to say £500 a month for 6 months to cover token payments - You might find it easier to work with -
I never thought of it like that. That actually looks quite appealing! Two could be paid off early and then focus on the big two. Hmmmm definitely something to think about. I am going to try and get a bit more saved up in my Monzo pot so I can go into this repayment plan situation with focus and calm. -
Or you could bulk pay off one debt over 2 month and readjust on a per monthly basis IE Pay lowest first @ £400 with token payments to the others and then continue as per that. Month 1 Santander £400 Month 2 Santander £200 (Remainder) + Cap One (Leftover) Month 3 Cap One £400 Month 4 Cap One £300 (Left Over) + Zopa / MCB (Left Overs) Its all in the mind you see, psychologically (2 accounts down and you feel like you are making progress) - you then have more to give to MCB and Zopa later while you make some token payments to them now Just some advice
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Upd to you - You could wait for it to go to a DCA. Satans Bank and Cap One probably will go default and DCA. But dont worry about that for now. As for Zopa - Zopa's arrears management process explained WWW.ZOPA.COM At Zopa Bank, we combine our tech know-how with money expertise to build loans, credit cards and savings solutions with the customer's needs at their heart. MCB is a different beast - I know they do legal action directly - so agreeing a repayment plan could be good They will probably keep the account TLDR - Yes, but its your choice.
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If you are buying a used car – you need to read this survival guide.
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Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld
ATJ posted a topic in Vehicle retailers and manufacturers,
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.
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A2Dominion - Housing Association property flooding - damning ombudsman report
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Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available
BankFodder posted a post in a topic,
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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