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    • Interesting they're not mentioning Barclaycard. Just Barclays Bank UK PLC. This may have been an Egg card ...but I simply don't know.
    • Just to be clear, the (£75) compliance stage fee is triggered the moment the instruction to undertake the Schedule 12 procedure is received by the enforcement agent/company - not on sending the Notice of Enforcement. That said, if you don't pay it, it can only be recovered using the Schedule 12 procedure if the Notice has been correctly 'given'.  To do that it must be given to the place, or one of the places where you usually live or carry on a trade or business.  Which, as I see it, has not been achieved.  The (£235) enforcement stage fee applied by attending an address where you don't live or carry on a trade or business is not enforceable and cannot be recovered using the Schedule 12 procedure. If they find your current address, they would have to re-issue a Notice of Enforcement to you at that address before being able to undertake the Schedule 12 procedure. In your place I would pay the debt plus the £75.00 direct to the council, leaving them to pay the £75 to the enforcement agent/agency.  While not (at this stage) enforceable, the £75 is due under the liability order (debt + costs). If you pay the debt direct without paying the £75, the distribution of any payment received, while the liability order is still with the enforcement agent/agency, requires the £75 to be paid first - leaving £75 of debt! Hope this helps  
    • "Customer Appeasement" apparently So they refunded £10.4m without actually receiving the returned goods. Sounds a very thorough fool proof returns system they have there
    • Time for the papers as per @FTMDave's suggestion then.  
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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
        • Like

Debt - I want them cleared


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I have a few debts with Robbers Way and I want them cleared off.

 

Really fed up to back teeth of dealing with them.

 

A friend of mine will kindly borrow me the money and I would sooner pay her than these vultures.

 

Debts I have is

an overdraft which Santander closed back in 2010.

I have been on a repayment plan offering them £5 ever since.

Paid each month and on time.

Current balance around £1,200

 

A credit card which is about £300.00 again similar arrangement.

 

Now what do I offer them?

I am on benefits.....I did offer £100.00 and told me NO before.

 

Is there any formula i could use to determine what I pay and ask for help off my friend for.

I do want to keep it low as possible but I want these now off my back.

 

Any advice on what to offer...and if they reject it what to do>?

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why do you think you should even blindly continue to pay a DCA

let alone settle debts with them

when they have no legal powers to actually demand anything from you in the first place?

they ARE NOT BAILIFFS.

 

doesn't it make you think for even one minute

why a multi national bank didn't take you to court themselves first?

rathe than selling the debt on to a debt buyer?

 

tell us the history please

 

on the credit card..when did you take it out and who is the OC?

have you sent robbersway a CCA request?

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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If robbers way have the debt then it's unenforceable in some way and you need to find out what that is

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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Now what do I offer them?

I am on benefits

 

Whatever you do pay in future drop it to £1 per calendar month, your on limited income so therefore you pay only the nominal amount.

Robbers Way will kick off but let them, do not ask, you tell them that the payment is dropping to £1 pcm, make sure that you tell them in writing as well, never phone a DCA.

 

If any DCA phones you, you have no legal obligation to speak to them, refuse to go through DPA and hang up.

 

As to the £300 Credit Card debt, send Robbers Way a CCA request to stall them while you either go through statements or Subject Access Request the Original Creditor to reclaim against charges and any PPI.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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The CC you set up a standing order, so you have control over your account, NOT them, and pay £1 a month.

 

The overdraft, you reclaim ALL of the late payment fees and charges AND interest on those fees and charges using the hardship letter, and again you pay via SO @ £1 a month.

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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