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    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Evening all,

 

I'm looking for advise on a statutory demand.

 

 

Today I have had a letter through the door saying they have tried to serve a sta demand and will return on the 3rd Of October to attempt again,

saying if I'm not in (which I won't be because I will be at work) they will post it and class this as served. Now I'm not sure what I should do next.

 

I've not made any payment or acknowledged any debt for nearly 4 years but still quite a way from the 6 year limit.

 

what should I do about the stat demand,

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Who is trying to give you the stat demand?

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

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It is Lowell via a company called BW Legal, company serving appears to be P&A Receivables Services - the original debt was (I think ) Bank OF Scotland - the debts have moved around so often through DCA's that I've lost track a bit of who was the original creditor

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So owell are up to their tricks again Rushing through with a stat demand before you can find out the true facts about 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

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Evening all

 

I am in need of some advice on how to respond to stat demand.

 

This evening I have come home to a letter through the door, hand delivered which says they have been directed to serve a statutory demand and that they have tried wice today but not been able to meet me. They say they will return on the 3rd of OCtober and if I'm not in, I'll be at work so won't be in, they will post it consider this to be served.

 

The debt in question is one bought by lowel which has been in default since mid 2009.

 

I'm not sure what I should do now. I am now working and could make a minimal offer of payment if this will stop any bankruptcy but is this the best thing to do?

 

Any and all advice gratefully accepted.

 

Thanks for reading.

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on the SD

typical route/names

 

there are lots of threads regarding lowells and SD'd in the this

 

get an sar off to the Original creditor tomorrow by recorded delivery

you need all the statements from year dot ASAP.

 

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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Is that their normal method?

 

The statutory demand will contain all the details of what is owed and you can obviously ask BW Legal to clarify any information, before you agreed to any repayments. If you have any assets e.g a house, then you would probably be best to agree affordable repayments, rather than take any risk with bankruptcy, as the costs would then be massive, with the potential of your house being sold to pay the debt plus costs.

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Obviously I want to avoid the bankruptcy but though I 'own' a house it is only half mine as it has both mine and my ex wifes name on the it and furthermore it is worthless - in that we are in negative equity so selling it wouldn't be in anybodies interest to be honest.

 

I'm going to make them work but will ultimately propose a payment plan once more to all the creditors on a pro rata basis once I know what element of the debts are actually fees and interest - which for quite a few is well over 50%

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hope they are both covered by the consumer credit act

 

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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  • 4 months later...

Hi All

 

Sorry it's taken a while to update on this, been offline for a little while.

 

In the end they simply accepted my offer of payment - an offer that had previously been made to various holders of the debt over the last few years!

 

Thanks for all the help - this site is an absolute god send and I wish I could do more to help!

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did you question the legality of these debts?

 

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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  • 9 months later...

Evening All (again)

 

 

I was issued with an SD from BW Legal for Lowells and due to timings felt I had to enter into an agreement with them. I'm now wondering whether I can still challenge this or has entering the agreement effectively ended those avenues?

 

 

One of the accounts was a Lloyds bank account which they'd added about 1400 of charges to and I'm somewhat annoyed I never challenged this.

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Yes you can send a section 77/78 request for a copy of the agreements...on all the accounts in question...except current account overdrafts.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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I did read that and it does make for interesting reading!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Not sure I understood all that but does make me wish I'd had the courage to take the b******s on - just had to much on the line, if I'd lost it would have been my job and possibly home gone (I'm a company director - not as grand as it sounds but it's a job - so would have lost it)

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Simply put them to proof as in the above thread and you too could end up with costs.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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  • 1 month later...

Just a quick post.

 

Thankfully a while back I picked up the link to Noodle for free access to my credit report.

 

Went to check it the other day - something I do frequently but not often enough!

- only to see one of my debts had increased by over £500.00!

 

I call the debt holder (Lowell) who don't know why charges have been added

but were at least able to tell me what the charges were (interest plus some other legal fees?)

but I'd need to speak to BW Legal who were dealing with it.

 

I call BW who confirm it was (in the main) interest being added.

Now I asked them whether it was legal or indeed moral to add charges on an account

where it was clear the person was in debt trouble and, as relevant,

if they weren't the debt owners why on earth were they adding charges.

 

The long and short is they have apologised and said it was an 'error' (yeah sure it was) and are refunding

- though I'll end up going back over the fee's I suspect.

 

This is another issue with using the SD route

- with a CCJ they at least have to stop all interest, with a payment arrangement like this it appears they are free to add interest.

 

I know most on here will already do this but if you are new to this game - get access to your credit report and check it monthly!

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You shouldn't be discussing with either of those outfits and certainly not using words they don't understand , eg moral. Keep things in writing as you need a paper trail.

 

It seems you're being threatened with a S D. If so , why not post up details for others to comment?

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you have a very unhealthy habit looking most of your threads

of immediately picking up the phone and getting fleeced by these people

 

why do you keep doing it

having been advise numerous times not too?

 

how are your debts going?

still blindly paying those SD's you didn't? challenge still?

 

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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