Jump to content


  • Tweets

  • Posts

    • I bought my house 2 years ago. The previous owner had died. I continue to recieve parking fines and communication from DVLA in the name of the dead person, despite contacting DVLA via post to inform them I am the new owner of the property. I have sent them proof of purchase and ownership but the communications continue to arrive. Aside from using "return to sender", does anyone have any idea how to stop this and get DVLA to update their records? Not sure if relevant but the Tax class on the vehicle is disabled meaning that the price of vehicle tax is £0 per year. I assume someone is using this to get free vehicle tax which is up to them, but I'm bored of fighting with parking charge companies and getting threatening letters, as whoever is doing this is also not very good at paying for parking.
    • I haven't heard of them asking for photographic evidence in this way before – but I don't think it will really pose a problem. Have you got a history of sending parcels which were then lost and you had to claim for? When you send your letter of claim? Was the item properly declared? Was the item correctly valued? Please answer these questions and then take at least a couple of days reading very thoroughly the stories on this sub- forum. There are lots of them. Read some of the pinned topics at the top which will explain the principles and then read the stories to see other people's experience. Post up your letter of claim in PDF format so we can see what you sent.  
    • Just to clarify - it was the lender who undertook works, not me.  They racked up huge huge sums in refurb costs - which were completely unnecessary.  They have been trying to charge all the costs to me.  I refuse to be held accountable in my defence and counterclaim.   (I refuse to  be held liable for these works costs whether vat was or wasn't added - I maintain its the lender that must cover the costs).  It was a ridiculous sum of money and made no difference to their ability to sell either.  As its still unsold.    I can see - from disclosure paperwork - that the lender ceo uses this contractor all the time on other properties - for himself and for the bank.  The payer may not be responsible for the contractor's failure to add vat - but the ceo can clearly see it's not being charged - and again and again on all his jobs.  So he is complicit even if not guilty of the actual fraud.    I admit I'm angry with them. The sheer injustice and arrogance (that they could/ can do whatever they want and get away with it - has been astounding.  It's why I have fought so hard to get justice.  This particular issue is just another niggle.  They think they are above the law; can circumvent it - with no consequences / repercussions.    Thank you dx for pointing me to the link. I will now follow that up
    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
  • 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 
        • 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

CCJ - Credit Cards & Overdraft - Cabot


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

Thread Locked

because no one has posted on it for the last 3167 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

Guys

 

I hate that site that shall not be named. Once again advice being given even after receiving a CCJ about Deed Of Assignments Blah, Blah, Blah.

 

Hello,

I wish I found this site sooner but I think maybe its too late to do anything now.

I will keep it brief in the hope someone can offer some advice.

 

I have debts of around £20,000 from 2 credit cards and a bank overdraft which I defaulted on them at the same time in 2013,

one of these debts has been handed to Cabot and has been to court ( I buried my head in the sand, foolish I know).

 

 

The outcome was a suspended attachment of earning order of £50 a month,

first payment 15th of this month and I can not find out how or who I pay it to.

Mortimer Clarke Solicitors is on some of the paperwork.

 

 

My main concern is the letters for the other debts are coming thick and fast and I have no means of being to pay them all at this rate,

I can not afford the one monthly payment of £50 as it is.

 

 

I am a single parent with 2 children and have just graduated from uni,

I have been advised that bankruptcy would be the better option as I do not own anything.

 

 

However I am concerned that I will lose my job and registration,

I am a healthcare professional and registered with a governing body.

Sorry if I have missed vital information out but my heads a mess and can not think straight.

 

Please is anyone able to advise me

 

 

However, Id like to assist them, so could you advise accordingly? It would probably help this poor soul out...

 

Thanks for spacing it out Site Team :)

Link to post
Share on other sites

TBH if they want assistance, then I'd advise them to get off that site ASAP and move over here.

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!

 

 

Link to post
Share on other sites

Why not?

 

Alright not in those words, maybe, but you can't really put it any other way.

 

I'd certainly not recommend advice from GOODF but there are other long established consumer advice forums where they have a proven track record of dealing with consumer debt, instead of using untried, unqualified and quite frankly dangerous advice and tactics such as those you're going to get off here.

 

Or, just have you looked at CAG and asked for advice off their?

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!

 

 

Link to post
Share on other sites

TBH if they want assistance, then I'd advise them to get off that site ASAP and move over here.

 

Hi,

I am getting more confused by the minute, I am unsure as to what I need to here. Should I re post my initial thread?

Thanks in advance

Link to post
Share on other sites

No no its fine :)

 

Welcome back to CAG. I have posted it above but if you could please give us some more information, it would be appreciated.

Link to post
Share on other sites

So we are passed the CCJ stage and they have gone for a payment order?

When was the CCJ granted & when did you receive the claim form?

Link to post
Share on other sites

The judgement was in default as I did not reply this is dated 6 July, the suspended attachment of earnings was 15th September following me filling out a expenditure form. The order is for me to pay £50 a month the first payment is due in 3 days.

Link to post
Share on other sites

Thank you... I see Sabresheep is here... Let us have a a look and advise...

We will help.. Just stay away from that site... It'll Get you into trouble...

Link to post
Share on other sites

Just to add, at the weekend, the site is skeleton staff do may be a while. As for paying this the payment will probably be Cabot as they now own marlins etc...

 

But We will help I promise...

Link to post
Share on other sites

Hi responding to reported thread.

 

I would advise you make that payment to Mortimer Clarke Solicitors on time...you state that there is a suspended Attachment of Earnings....could you expand on this and can you confirm if you have made application to vary the payment rate using form N245?

 

Regards

 

Andy

 

Thread moved to Financial Legal Issues

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

Link to post
Share on other sites

Hi thanks for your reply

I filled in a form as advised by CAB this included my income and outgoings and I stated that I was concerned if an attachment of earnings was put in place I would lose my job. I will check when I get home what form it was exactly. The suspension of this attachment was on condition that I pay £50 a month, I do not have this I am already struggling financially. Sorry I am way out of my depth with all this

Link to post
Share on other sites

If you could check.......N245 this is an option to reduce the monthly payment amount in line with your I&E...there is a fee of £50 unless you qualify for exemption.

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

Link to post
Share on other sites

I have just checked and it was the N245 form I sent off to suspend the attachment of earnings order, this debt is for £9,212.48 . The major issue right now is I do not have the £50 to pay the order set, I have £2.79 in my bank payday is another 2 weeks away I am already struggling financially.

I don't know what I can do to be honest, is it worth me ringing the court?

Link to post
Share on other sites

I would be ringing the Solicitor...not the court and just explain that payment will be late.

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

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...