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    • I was caught speeding 3 times in the same week, on the same road. All times were 8-12mph higher than the limit. I was offered the course for the first offense and I now need to accept the other 2 offenses. I just want to be ready for what might come. Will I get the £100 fine and 3 points for each of them or do I face something more severe?  These are my only offenses in 8 years of driving.
    • I'll get my letter drafted this evening. Its an item I sold, which I'm also concerned about, as whilst I don't have my original purchase receipt (the best I have is my credit card statement showing a purchase from Car Audio Centre), I do unfortunately have the eBay listing where I sold it for much less. But as I said before this is now a question of compensation: true compensation would seek to put me back into the position I was in before the loss ie: that title would remain with me until my buyer has accepted this, and so compensation should be that which would be needed to replace the lost item. But in the world of instant electronic payment, it could be argued that as I had already been paid, the title to the goods had already transferred, and I was required to refund the buyer after the loss. And so, despite my declared value being the retail price - that which is needed to return me to my pre-sales position, the compensatory value should be the value I sold it for, which being a second-hand item from a private seller is lower. I still believe that I should be claiming for the item's full value, rather than how much I sold it for, as this is the same for insurance: we don't insure the value we paid, but rather the value of the item to put us back into the position we would be in if we ever needed to claim. Its for the loss adjuster to argue the toss
    • amusing that 'bad economic judgement on behalf of prior party ISN'T a major reason to wingers to move to deform yet immigration is, where record levels of such has been driven by the right wings terrible brexit and the later incompetent dog whistle 'proposals largely driven to whistle to the right wingnuts Just seems to confirm the are clueless numpties 'wetting their own shoes   Has farage bought a property in Clacton yet?   yet concern for the NHS is listed as a major issue even by those saying they are moving to deform  
    • Also, have you told us how much you paid for this vehicle? Are there any other expenses you have incurred – insurance, inspections et cetera? How far away from the dealership do you live?
    • In fact I see that in the document you posted above – your letter to big motoring world you refer to the diagnostics report and you say that you sent a copy to big motoring world but you haven't let us see it. Any reason for this?
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    • 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
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10 Years with PayPlan Review now due


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HI,

 

Been with Payplan for 10 years now and my yearly review is now due. However for aslong as i have been with Payplan, paying various montly amounts over the years i just do not feel i am making any headway into my debts. I am considering managing my own DMP but really do not know where to start or even if this would be a wise decision. Payplan have informed me that they no longer think a DMP would be the best solution for me, and indeed in the past they have suggested IVA or Bankrupcy. Not sure i want to go down those lines.

 

Anyway here for a bit of advice and support on how to proceed really.

 

My debts are listed below figures taken from account at Payplan. Have checked my credit file which shows just 3 closed debts(the more recent ones) I also recently had 1 debt removed from payplan when i checked my account more closely as they had the same debt listed twice. Im really keen just to get my house in order, find out where i stand and get the debts cleared in a positive way and acually feel like im making headway.

 

 

1st Credit Ltd £564.67

History

National Austrailia Group 12/02/07

Barclays Partner Finance 27/02/07

Roxburghe International/David Rubin & Partners 12/04/07

Barclays Partner Finance 12/10/12

1st Credit Ltd 21/05/14

Barclays Partner Finance 10/12/15

1st Credit Ltd 10/12/15

 

Barclays Bank PLC £3471.48

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Egg 28/07/06

Egg Prudential 28/07/06

Direct Legal & Collections 05/12/06

Barclays Bank PLC 08/03/16

 

Barclays Bank PLC £5031.74

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BarclayCard 28/07/06

Barclays Bank PLC 28/07/06

 

CapQuest Group Limited £1594.14

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First Direct 28/07/06

HSBC Bank 28/07/06

HSBC Bank 16/10/09

Cabot Financial (Europe) Ltd 13/01/12

CapQuest Group Limited 06/03/12

 

Capital One Europe PLC £1686.8

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Capital One 28/07/06

Capital One Europe PLC 28/07/06

 

CashEuroNet UK £317.19 - this is pounds to pocket

 

 

Moorcroft Group PLC £2305.16

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Vanquis Bank 26/09/12

Moorcroft Group PLC 02/04/14

Vanquis Bank 11/09/15

Moorcroft Group PLC 14/09/15

 

PRA Group LTD £5810.85

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Egg 28/07/06

Egg Prudential 2 28/07/06

Direct Legal & Collections 21/09/06

Goldthorn Debt Recovery 30/04/07

Egg Prudential 30/04/07

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Direct Legal & Collections 12/08/09

PRA Group LTD 19/05/10

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Hi pete and welcome to CAG

 

Rather than IVA or Bankruptcy have you considered a Debt Relief Order ( total debt less than £20K) ?

 

http://www.stepchange.org/Howwecanhelpyou/DRODebtrelieforder.aspx

 

Regards

 

Andy

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Thanks Andyorch, unfortunately i dint qualify for debt relief. My debts amount to just over 20k at 20.7k. Also, all bills are in wifes name, and the house belongs to the wife also, as she had a mortgage before we married, so that is all in her name also. I pay my wife one lump sum per month towards the cost of everything. My excess income is more than £50 per month. All but 2 of my debts were aquired before i married.

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IMHO yes - question everything.

 

 

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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I have sent off CRA requests to 1st credit capquest moorcroft and PRA,

 

 

do the agreements have to be signed?

 

 

Have read in places on here they do not,

and other posts on forum say if the credit was taken out before 2006

they have to produce the signed agreement?

 

thanks

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the critical date is APR 2007

 

if you took out the credit before this date

then to enforce any court judgement

then the signed agreement will need to be produce

 

after this date a 'true copy' or recon 'could' be deemed ok even without a sig from you.

 

the bottom line is judge lottery mind

 

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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Hi again,

 

Just want to ask what i should do when i get replies if i get replies to my CCA requests. I am not trying to duck out of my debts but i also dont want to be cashcowed by a DCA if the debt is not enforceable.

 

As most of my debt is from 2006 i assume as said above they need to provide a signed agreement. If they cannot produce a signed agreement will this give me good leverage to make a full and final offer? I found a template from Citizens advice i think for a letter where they have to agree to not sell the debt on etc and release you from all liability from the remainder of the debt. Is that a good option?

 

I know the debts wont go away, however most have fallen off my credit file now, and after 10 years of paying a DMP i feel i have put effort into paying back the creditors and now i want rid of the debts as cheaply as possible. Not sure if that makes me a bad person or not, However if i can settle in some way half of my debts i can set up a decent DMP with the remaining debts to get them paid off ASAP. Frankly at this rate with Payplan ill be nailed into my box and 6ft under and still owe money.

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" As most of my debt is from 2006 i assume as said above they need to provide a signed agreement."

 

Not true they can serve a reconstituted version to comply with section 78 requests

 

" I found a template from Citizens advice i think for a letter where they have to agree to not sell the debt on etc and release you from all liability from the remainder of the debt. Is that a good option? "

 

Could you possibly post the template for the above?

 

Regards

 

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

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Hmm, dont seem much point in sending a CCA request then surely?

 

Another option i am considering is bankruptcy.

 

As i understand it from April 16 you will be able to file for bankruptcy online.

I have no assets,

the house is the wifes house,

she had mortgage before we married and its all in her name.

 

All bills are in her name and i pay her a lump sum towards every thing per month.

She has an exemplary credit standing and always has.

 

Just wondering if anyone knows if me going bankrupt will affect her.

Will the house be considered as we are married even though its in her name?

Will the lump sum i pay her every month be taken into account or will it have to be paid into the bankrupcy?

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Hmm, dont seem much point in sending a CCA request then surely?

 

I would you will be suprised

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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