Jump to content


  • Tweets

  • Posts

    • Hi Honeybee13 No i 100% did not received reminder if i did it would have set alarms bells ringing that something wrong 
    • Hopefully Man in the Middle will be able to pop in today, but he does have a day job. Also the SJNP notes say they sent a reminder i did definitely receive this Are you saying you did receive the reminder or you didn't please? HB  
    • Thank you Man in the Middle, Everyone I know this may not make a difference but is it worth mentioning the fact i did believe i sent everything correctly but with all going on with my mother at the did not realise that stamp was not valid? Also the SJNP notes say they sent a reminder i did definitely receive this if i did it would have prompted me to realise something was wrong and rectified. I have to fill the form in online today so any more advice is gratefully received. The area is Gwent in South Wales it states on the form if i plead not guilty then send me the date of the trial Sorry as i've stated previously totally new to this and thank you for you assistance  i know you cannot say for certain but realistically by pleading the above what would be the most likely outcome be ? is it still likely to be 3 points and £100 fine ? or am i likely to receive higher and more fees?
    • Vennells evidence starts this morning at 09.45. Nick Wallis has made an interesting observation in his blog yesterday or today that yesterday's witness, Alwen Lyons, implied that forensic accountants Second Sight weren't doing a good job on their investigation of SPMs' complaints about Horizon. Nick's theory is that not being good at a job seems to be telling the Post Office things it doesn't want to hear. And that having been told things they didn't want to hear about the Horizon system, that training was terrible and their investigators and prosecuters weren't good enough, they decided the solution was to sack Second Sight and buy more expensive advice in the hopes of getting an answer they liked.    
    • Thanks for the quick response! the way they’ll have found so far is LinkedIn, I use this for business and work etc. I’ll have to look into the settings and see if I can make this more private I have no other social media.    so to confirm, best step is to directly mail my address to emirates and HSBC directly then ignore idrww and judge and priestly? should I be telling both the uk collection agencies that I’m only going to be dealing with the banks directly and not with them?    would you recommend creating a monthly payment plan to the banks or not?    Thanks, 
  • Recommended Topics

  • 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
        • Like
  • Recommended Topics

Argos letter


Ftgab19
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3009 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

Ok where can I find the limits for the budget sheets that's accepted?

 

There's an ref number, account number and sort code on a bank giro credit slip on the end of a statement from them. Can I just set up a standing order to send £1 on the best day for my sister?

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

National debt line has a good source of info. Its accepted by the courts too so it's more than good enough for Argos.

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

Link to post
Share on other sites

Would this letter be okay? I'm still working on the budget sheet and will upload it soon.

 

Letter:

 

Account number: 00000000000000000

 

HRG Letter Ref: 00000

 

 

Dear Sir/Madam

 

I am in receipt of your letter dated 21/02/2015 concerning the above account.

 

I am sorry that you feel unable to accept the offer which I have made. I am under no obligation to share any of my medical documentation and I’m not going to.

 

I would like to remind you I have not given my consent for you to share any of my data to third party debt collection agencies.

 

The majority of my other creditors have accepted the offers made to them and I have commenced payments. I simply cannot offer you anymore because I can only afford £2.00 per month between all my creditors, and it would be wrong to cease or reduce payments to my other creditors in favor of your company.

 

The offer made to you is on a pro-rata basis, as used by the county court, and would be a temporary measure whilst I get myself back on track. To show my goodwill, I am going to commence payments of my £1 per month offer. I will also attach a budget sheet to show my income and outgoings.

 

I will update you in 6months time or before, should my situation change. Could you please as a reciprocal goodwill gesture, refrain from levying any penalty charges & freeze the interest on my account.

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes issued by the relevant bodies and authorities that govern you and the way you conduct yourselves.

I shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account, as your actions would do nothing to help me.

 

 

Yours faithfully,

 

My Sister

 

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

Yep. Then start paying it so they can't claim you're avoiding the debt.

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

Link to post
Share on other sites

Thanks renegadeimp,

 

I've added into my letter when my sister will pay.

 

Letter:

 

Dear Sir/Madam

 

I am in receipt of your letter dated 21/02/2015 concerning the above account. I am sorry that you feel unable to accept the offer which I have made. I am under no obligation to share any of my medical documentation and I’m not going to.

 

I would like to remind you I have not given my consent for you to share any of my data to third party debt collection agencies.

 

The majority of my other creditors have accepted the offers made to them and I have commenced payments. I simply cannot offer you anymore because I can only afford £2.00 per month between all my creditors, and it would be wrong to cease or reduce payments to my other creditors in favor of your company.

 

The offer made to you is on a pro-rata basis, as used by the county court, and would be a temporary measure whilst I get myself back on track.

 

To show my goodwill, I am going to commence payments of my £1 per month offer. It will be paid on the 28th of each month with the reference number (000000000000000). I will also attach a budget sheet to show my income and outgoings.

 

I will update you in 6months time or before, should my situation change. Could you please as a reciprocal goodwill gesture, refrain from levying any penalty charges & freeze the interest on my account.

 

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes issued by the relevant bodies and authorities that govern you and the way you conduct yourselves.

 

I shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account, as your actions would do nothing to help me.

 

 

Yours faithfully,

 

I will attach her budget sheet and send it off tomorrow.

 

Thanks

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

Link to post
Share on other sites

Change 6 months to 3 months. Shows better willingness and compromise. If you say 6 theyll usually ignore it or sell the debt on.

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

Link to post
Share on other sites

HRG does not serve statements beyond 90 days of persisting late payment, nothing beyond default date. It will still attempt to apply charges and interest in future without notice.

 

It may have changed in the last 3 months [unlikely] but looking at the long game on the account I'd be inclined to send it minimal correspondence [recorded delivery] every 7 months or so advising that you have not receipted a statement of account or any notices and calculate the balance to be £xxx.xx

Link to post
Share on other sites

  • 11 months later...

Send them a copy of the letter from DWP stating you are getting SSP and do not send cheques but send a postal order each month by recorded delivery and keep the PO stub with all details to prove you have kept faith and paid the minimum you promised.

Link to post
Share on other sites

very old thread

 

 

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... 

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3009 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...