Jump to content


  • Tweets

  • Posts

    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
    • The airline said it was offering to pay $10,000 to those who sustained minor injuries.View the full article
    • The Senate Finance Committee wants answers from BMW over its use of banned Chinese components by 21 June.View the full article
    • Brussels is widely expected to introduce tariffs on Chinese electric vehicles coming to Europe.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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
        • Like
  • Recommended Topics

Employer won't refund deposit ** Successfully Resolved **


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3435 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

What is this form you are being asked to sign?

 

I don't think you should be signing anything to be honest. They aren't entitled to have the CCJ 'removed' and I don't think this can be achieved by simply signing some forms or making a declaration. You certainly shouldn't sign anything until you have received full payment.

 

I would call their bluff - state that a letter before action was provided and that the company failed to respond to both this and the claim form; and state that you will be instructing bailiffs to recover the CCJ amount (and their fees) unless payment is received in the next 7 days.

 

Their threats are a bunch of cobblers and should not concern you.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

  • Replies 58
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I hope you understand the severity of what we are saying here

 

 

And I hope you understand what they are trying to do to you. A company can be more frightening than an individual and they know that this sort of letter, which is designed to frighten you, could make you so wary that you drop everything.

As already suggested, don't sign anything until you have shown it and taken advice.

Link to post
Share on other sites

alternatively, "I look forward to discussing my alleged criminal activity with the police and seeing you in court once again for my slander claim. My mum's going to be a character witness."

 

NNNNo don't. But it'd be funny.

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

Link to post
Share on other sites

Thank you everyone for your comments. That last email was a bit scary until I got to the bit about my parents!

They've paid me the full amount this morning. The declaration they want me to sign and send to various parties is a letter from me stating the money has been paid in full and I want the judgement to be closed and cancelled and the CCJ removed. I may do it but send without the stamps!

I am going to make a donation to this site as without your help and advice I would never have had the courage to take this on.

Thank you all so much.

Link to post
Share on other sites

I think they are confused. Once a ccj is regisrered after 14 days of the judgement all they can do is get a certificate of satisfaction. The ccj will remain

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.

Link to post
Share on other sites

Its great that you have received the payment. Very well done for following this through and getting the end result you wanted. Your donation to the site running costs will be much appreciated!

 

 

Personally I don't see any problem with you signing a letter which states that the money has now been paid in full. I don't think this would be enough to get the CCJ removed but if it makes them happy, then so be it.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

I wouldnt urinate on them if they were on fire. Ignore them now you have the money and move on. They have threatened you with all sorts of things because they are too up themselves to take you seriously to begin with and now they ahve lost they are being vindictive and childish.

Don sign or agree to a thing. It will not benefit you and coul cause harm so why consider it.

Link to post
Share on other sites

I agree with this. You've got the judgement in your favour, and they've paid up. As far as I would be concerned, the matter rests there. If they want further comfort (though, as others have said, it's not obvious what they're really asking for - the judgement can't be rescinded or set aside now they've paid up) they can go whistle. I had this situation when I sued Monarch Airlines. Though fought tooth and nail until the very end - when the judge ruled against them. They sent me a cheque as ordered - with a draft agreement that the terms of the settlement would be confidential. That letter got filed in the bin, obviously. Because if you win, you win on your own terms!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...