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    • No, I think UK will get same deal as EU.  Main reasons for this are two sectors,  Defence and Financial Services.  US have huge levels of money invested in the UK, so they have a self interest in offering a trade deal as good as the EU.
    • @labrat I'll bet it isn't the subframe itself that's broken. It'll be the subframe mounting bolt(s) that have sheared off inside it. Because the bolt is seized inside the subframe, it effectively renders the subframe scrap. I suspect the garage are simply talking in terms the average customer is more likely to understand than going into the detail of it. The Golf, Jetta and Beetle, which are all mechanically identical, are notorious for it.    A smaller independent garage may have tried to get the bolts out, but you very quickly reach the point where time/effort/cost is simply not worth it and replacement of the whole subframe is the better choice.   Of course the OP could approach a salvage yard, either local or online, and ask about the cost of a good used item, which would be substantially less expensive than what I assume is the price VW are charging for a replacement.
    • Applied for and awarded by BY in Sept 2020 still not received it yet Comments appreciated
    • Hi Slick   I am not as experienced as you is there any thing in sar that i can identify. It does not state £2.5k debt in sar. It mentions new add ons.
    • So long story short.   I had a number of re-occurring loans with Unclebuck, I made a complaint in regards to my latest one back in 2019, got to an agreement to remove default markings and charges etc and just pay the principal. Didn't pay the outstanding amount due to personal reasons, being put on Furlough was one of them.   Saw that Unclebuck went into administration, made a redress application a couple of weeks ago, got awarded £807 for previous loans (not the latest one). So I contacted the administration to confirm they would pay the redress amount towards my outstanding balance, but they said they cannot do so?   How is that fair? I get they they can't pay me any cash, but surely they should be able to write off the current outstanding amount, it has to work both ways right? This was the latest response I got, so far no reply from their solicitor yet.   "Whilst I note your comments concerning your desire to set off Redress due in respect of unaffordable loans against your current loan that was not eligible for Redress, unfortunately the Administration precludes the position of set off until the Administrator makes a declaration under Rule 14.29 of the Insolvency Rules 2016. This declaration has not been made by the Administrators and will not be made as there is no distribution or intended dividend to be made to creditors in this particular Administration. Whilst I sympathise with your position, you will appreciate that the Administrators are governed by statute and cannot contract out of it.   I promise to speak to our solicitors to see if there is any room for manoeuvre on this matter and will come back to you afterwards, however I feel that it is unlikely. As you will appreciate making an exception for you may open the Administrators to claims from other customers in a similar position to yourself and indeed from other customers that do not have the benefit of another loan to set their Redress off against."   And to further add to it, I got an email today saying they transferred the loan to a collection field agency "Conexus Recovery and Field Services Ltd "  
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

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Morning all, long time lurker first time poster...

 

I have been repaying my water company debts through Marston,

until last week was regularly repaying £85 on the 21st of each month.

Then I switched jobs to work for the NHS as a bank support worker.

 

 

The pay is much better than my previous employment,

but the NHS isn't run like a private company,

 

 

I recieved my first paycheque this morning, two weeks late because my line manager had been too busy to complete my registration.

 

I wrote to Marston to tell them this and said I would be able to pay today (the 1st)

and even offered an additional £50 for the inconvenience and to get proof of the delay from my employer.

 

They replied and said my letter had been passed on to their client,

but in the mean time told me that as I had not held up my end,

the agreement had been terminated and they would proceed with enforcement for the full balance of around £3200.

 

 

I made my late payment anyway and offered to increase my repayment to £100 due to my new job,

 

 

now terrified they are going to ignore this and show up, take my (£1000) car and try and get into my house for my goods.

 

I have been on antidepressants for over ten years and while I am currently dealing with my mental health problems, this sort of issue is exaclty the type that would make me stop going to work and ignore everything once more, which will only make situations like this much worse.

 

Any advice on what to do next would be gratefully received.

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Contact the Water company the CCJ is owed to, as it is their decision, as to what happens in regard to debt enforcement. I should imagine that armed with the information they would be happy to continue with the payment arrangement and advise Marstons of this.

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 OTHERS

 

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Hello and Welcome LW1974,

 

I have moved this thread to the Bailiff Forum.

 

Regards,

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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It is not quite as simple as it sounds to sort this out. Marstons are obviously attending as High Court Enforcement Officers and if the Water Co accept anything from you they are supposed to pass it on to Marstons as they can be held responsible for the fees. I assume the arrangement you had with them was just a mutual one. It would be far better going back to Court and applying for a Variation Order & also a Stay of Execution against the Writ they are enforcing.

 

You will find that if you ask you will have paid very little off the original debt as Marstons will have kept maybe as mush as 60% for their fees etc. If your applications to Court are successful then that removes Marstons from the equation as long as you keep to the payment plan ordered. If need be we can help you with the applications.

Please consider making a small donation to help keep this site running

 

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well said PT

something fishy going on here

 

 

and a £3200+ CCJ that's one hell of a water bill

did you not defend the CCJ in the first place

and as for passing it on to HCEO ...urm...

 

 

when did they get the CCJ

did you know about it

or was your 1st knowledge the bailiff at your door

and you've been paying them ever since?

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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What water company is this, and what was the original debt?

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 OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I see elsewhere you have been offered a Para-Legal. On the face of it a good idea but you should ask:

a - are they Licenced

b - what qualifications they have

 

Read more @ http://www.nationalparalegals.co.uk/

Please consider making a small donation to help keep this site running

 

[sIGPIC][/sIGPIC]

 

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I see elsewhere you have been offered a Para-Legal. On the face of it a good idea but you should ask:

a - are they Licenced

b - what qualifications they have

 

Read more @ http://www.nationalparalegals.co.uk/

 

Yes please do be very careful, it is known you will quite likely be expected to initially pay for a 'telephone consultation' (£35) before the 'paralegal' can become involved.

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God don't go with that lot

Load of ole twaddle that'll cost you dear and give you bad advice

 

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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application to court for what?

 

 

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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