Jump to content


  • Tweets

  • Posts

  • 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

amigo loans claimform - opps sent it back unsigned...


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

Thread Locked

because no one has posted on it for the last 3101 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

Hello to all.

 

I know it's Christmas eve and you are all busy, but I'm worrying myself sick.

 

I've been an avid reader on here but have never posted myself until now.

 

I received a ccj claim form through the post and sent back the admission form to the creditor.

 

I filled it in fully and honestly and made an offer of monthly instalments.

 

However, I made a copy for my records and somehow, I have just noticed that I dated it but stupidly not signed it.

 

Where do I stand?

Am I screwed?

As I suppose I haven't completed it correctly.

 

Should I email the creditor? Which unfortunately is amigo loans.

 

Or should I ring the court or something?

 

I am now going to be worrying all over Xmas that they will enter a judgement for the full amount

and not the monthly payments or even send bailiffs.

 

Please can somebody in the know advise me on what will happen?

 

Thank you and merry Christmas.

Link to post
Share on other sites

You dont send it to the creditor. You fill it in and send it to the court, or you can do it online.

 

Since you have the copy, go online right now, and fill it in, so the creditor cant 'misplace' it, and claim it wasnt sent.

 

All you need to do is use the username and pass on the form, click defend all, leave contest jurisdiction unchecked, and exit.

 

As for court action/bailiffs etc, court action is a good month or two away if you do it online right now, and bailiffs even further, if that EVER happens.

 

Can you give us as much info on this as possible.

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

Can you fill this in please

then we can help properly

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

for the minute don't do anything further till we advise.

 

when did you send the form back..

..I take it you wrongly fell for the advise from the claimants sols to admit and return it to them?

 

it would also help you to read this thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?455776-amigo-loans-ccj-claim

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

The claim form came from Northampton county court and it said that if I was admitting to the full amount (which I am)

 

To fill in the relevant section and return to Amigo loans and not the court.

 

I am not trying to defend it or get out of it.

 

I am trying to pay it in monthly installments but I forgot to sign the form.

 

I sent the form back via special delivery so they can't say they never received it anyway.

 

The date of service is taken as 15th December and I sent it yesterday to be received today.

Link to post
Share on other sites

Give more background on the debt please as if you admit it you will get a cxj that lasts for 6 years and the creditor gets.the ability to collect.through bailiffs or other methods instantly and keeps that ability for 6 years

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

yes we know claimforms come from northants...mostly every civil moneyclaimonline does...

can you fill that link in please

and post the results back here.

 

 

strange you say you're an avid reader

then why did you send it back?

and not use MCOL website like every claim thread on cag says........?

 

 

it might pay you to defend this on mcol

then go for a tomlin/consent order

then it'll save your credit file being done in for 6yrs...

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

It was a loan for 5000 but as part of it paid off a previous loan with them, I only actually received about 2000.

I stopped paying earlier this year as I'm in a terrible financial mess and was off sick for a while with depression.

 

They set up a repayment plan but it was impossible to stick to it as I wasn't being paid full wages.

 

My guarantor is also in a heap of debt and hasn't paid either.

 

We got defaults sent, numerous emails but didn't come up with a solution.

 

Got the claim forms and we just filled in the admit to all section and returned it.

 

I have to point out I live with my guarantor in her house.

She is my partners mum.

She owns her own house,

is retired and has released equity previously that has to be paid back from the sale of her house when she moves or dies.

We have also mentioned that on the form.

 

I am worried that they might force her to sell her house and make us all homeless.

 

I am also responsible for my partner who does not work and my child.

My partner does not claim any benefits.

 

The claim is for around 6000 including costs but they sent this separately to both of us.

 

We both sent back the admission, income and expenditure and our offers of monthly payments.

 

I forgot to sign mine.

What's going to happen? I'm so worried about this.

 

I can't do that link at the moment, I am on my phone and it doesn't work properly.

I do read things on here yes but not usually about ccjs so I didn't know that I could defend it if I owe the money.

Link to post
Share on other sites

nothing

it wont hurt you

its a civil debt.

 

 

this smack of irresponsible lending to me.

you've obv got other debts too

and I bet other loans

I think p'haps they should not have allowed you to get the 2nd loan.

 

 

this could be a very effective weapon in this case.

 

 

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

The claim is for around 6000 including costs but they sent this separately to both of us.

 

So technically theyre trying to go for 12k. I wonder how many other people they are doing this to. ANd actually got away with it.

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

I am worried about a charging order being put on her house and then forced to sell.

Or bailiffs turning up.

 

How likely are they to just accept our monthly offers?

 

That's what we both want and to be honest, we can't take any more stress.

 

We are both offering around 90 pounds each per month.

 

I know it sounds ridiculous but I've not been well and I feel like I'd rather be dead than live like this

and I feel terrible for my partners mum who is a pensioner.

 

I would never forgive myself if she loses her house.

Link to post
Share on other sites

extremely remote that will happen.

 

 

its a civil debt not a criminal debt.

 

 

pers I'd get up on mcol

 

 

and you and your nan register and select AOS and defend the claim

that will or should null the written forms you sent back.

 

 

have you read that other amigo claim thread I linked earlier?

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

You really need to stop worrying and follow the advice here. Youve already fallen for one of.their tricks and they're trying to get both of you to fall for another, making them double what's owed

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

it wont be double

its the same claim number

read that other thread I pointed too

 

 

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

Thanks, what does AOS mean? And how do I null the other forms? Will it mean actually going to court?

So you think it's remote they will accept or the charging order?

I can't get the link on my phone sorry I'll try it tomorrow on my brother's computer.

But I really am a nervous wreck at the moment I have a feeling they will swoop in and go for that charging order straight away.

Link to post
Share on other sites

AOS acknowledgement of service.

 

 

better to do it on a pc

 

 

simply goto the MCOL website

create a new individual user

note the long number

then go log in.

respond to a claim.

then using the require info form the claimform

select AOS

defend all

leave juris unticked.

 

 

you EACH NEED TO DO THE ABOVE.

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...