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    • old and new threads merged i though you were going to send the SB letter in 2017? dx  
    • dunno you've not scanned up what you've had before how can we tell?  
    • Today , after a lot of years i received a letter from this lot. Very friendly, "Were writing to remind you that we haven't had any contact from you in a while".  The velvet fist, followed by  a veiled threat to get their preferred debt collectors involved. Yep dead right. In 1992/3 I took out a Student load under duress from DHSS. up to 2000 I had successfully gotten deferment on low income. But rather than sign on as unemployed ,I decided to be self employed. I applied and they asked for all sorts of documents. I obliged and then correspondence ceased from them, circa 2001. To date I have had no correspondence from Student Loans. I was made redundant in 2009 and reached 65 in 2012 , at which age the loan should have been cancelled. Now , today, 12 years on retirement and 11 ( at least years after last contact) I get a letter with veiled threats. Do I , as I smell a scam a) ignore it and hope that Erudio will think that this phishing attempt has failed or b) respond with a statute barred letter or c) remind them of legal terms that loan should be cancelled 12 years ago or d) combination of b) +c)      
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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.

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    • 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
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Screwfix/shoesmiths claimform - business debt covered by a pers guarantee


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What was your exact role for this company ? Was it possible that you were seen as someone who would take personal responsibility for credit arrangements ?

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  • 5 months later...

need a little help.

 

i got a court date, but i missed it (long story)

then a letter arrived from the courts on a 'General for of Judgement or Order' Form No. N24,

i called the court office, they advised it was not a CCJ, and if i did not pay it would be processed for a CCJ.

 

i left it and waited to get some more correspondence,

this happened last week from the solicitor telling me to pay,

again i left it again and waited to see if i would get something from the court,

 

 

instead today i got a letter from from high court enforcement group, a notice of enforcement.

 

firstly is this enforceable as i did not and do not have a ccj from the court?

 

any advise would be greatly appreciated.

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What was the wording on the N24 (order or judgement)?

 

Do you know you haven't got a CCJ against you?

 

You can have a County Court Judgment (CCJ) against you and settle it within 28 days

and it doesn't go into the register of CCJ's :

this may be what the court meant by "they advised it was not a CCJ, and if i did not pay it would be processed for a CCJ.",

which sounds like there was a judgment against you!.

 

Have you checked Trust Online?

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Hi,

 

i have checked trust online, i have nothing issued again me.

 

the form n24 is a general form of judgment or order, the further down is states

'it is ordered that'

1, the defence shall be struck and pursuant to part 24 of the civil procedure rules, judgment given for the claimant in the sum of £xxxx,

2, the defendant shall pay the claimants costs in the sum of £xxxx,

3, the aforementioned sums shall be paid by 4pm 29th March, 2016.

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Summary Judgment and you did not attend or object......you have a CCJ which is about to be enforced by the HCEO.

 

Pity you didn't keep your thread up to date......we could of advised re their application for summary judgment.

 

Andy

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Well that may be an error...but I can't see the HCEO getting involved if there is no Judgment.

 

Have you spoken to Northampton ?

 

Has the claimed been transferred to your local County Court for enforcement ?

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it was transferred to my local county court, and this writ is from a different court.

 

n.b. if it is a CCJ? do i have 28 days to pay it to have it cleared? and also I just checked my credit file, there's no CCJ on it?

 

on the letter under enforcement details, it states, details of the court judgment or order or enforcement power by virtue of which the debt is enforceable, if this helps.

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Do you know the date of the judgment ? although it looks like you out of time 4pm 29th March, 2016.

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May be wise to get a payment plan in place or pay it off before the HCEO fees are added..the debt will increase.(if not already)

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so it is enforceable then?

 

if i have to pay it i will just put it on a credit card and take the hit, but would i get a CCJ, that's what is confusing me the most?

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Well its too late to question if its enforceable....you didn't attend the court hearing....so they have their Summary Judgment.

 

It does state payment by 4pm 29th March, 2016 ...4 weeks ago.

 

You may be lucky and avoid it being registered if paid in full today...no guarantees though.

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Beware of High Court Enforcement fees which will add a lot to the amount already owed. Now you have the notice of enforcement giving 7 days notice of enforcement, if the debt is not settled or a payment arrangement agreed, there will be an enforcement visit where they look to take goods you own to sell. This might include any car you own on your driveway.

Edited by dx100uk
unnecessary previous post quote removed

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