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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.  

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      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.

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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.

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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Unknown PRA CCJ Lloyds Card - now county court Bailiff Letter Is it genuine?


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Hi,

 

Unfortunately I defaulted on a credit card. This has been passed to PRA Group eventually.

 

We've had a couple of visits and letters dropped off. Is this a genuine bailiff working on behalf of PRA Group or the Courts I wonder?

 

The "Produced by Rob Barber" in the botteom right corner scrimbled out by pen has me wondering.

 

Thanks,

 

T.

 

manchester court - Notifice Of Visit By Bailiff.pdf

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it is. basically your debt was sent to small claims court. You didnt respond, so they gained a judgement. They then asked for a bailiff to be used for enforcement.

 

Give us more info on the debt please. And why you didnt respond to the court claim.

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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Of course you have a CCJ ..you cant get a Warrant without one...thats from the Courts Bailiffs

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

 

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Thanks for the reply.

 

The original debt was on a Lloyd's credit card. I have to admit that it was a case of sticking my head in the sand and hoping it would go away. Yep, screwed up I know.

 

Wondering what my options are now? Nowhere near in a position to pay the full amount off in one go.

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Roughly when was this card defaulted, and when did you last acknowledge or make any payment on it?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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If you have no grounds to appeal this then your other alternative is to apply to both Suspend the Warrant and ask for the Court to agree a payment proposal you can afford each month. This application is made on Form N245 - it is a dual purpose form - there is an application fee to pay (£50) but if on certain Benefits or low wage this may be waived in full - see Forms EX160a & EX160c for details. All Forms available as download from HMCTS website.

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

 

[sIGPIC][/sIGPIC]

 

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Default backdoor CCJ cause you didn't inform your creditors you had moved?

 

Once you've got the 245 running so the bailiffs are sorted

It might pay you to ring northants bulk and ask for a copy of the claim form and the CCJ by email PDF

 

You'll need the CCJ number from you credit file

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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All the forms are here on CAG in our legal Library.....

 

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?406-Legal

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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Your credit file will not be of much assistance.... follow post #8 and #9

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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You must remember the clock is ticking. Although a County Court Bailiff is relatively easy to deal with they can catch you off guard when least expected. In particular if you have anything outside that is of value - car, caravan, motorbike, good BBQ or garden furniture - can all be taken into control. It is far easier to make inroads now rather than having to hurry it. The good thing is the N245 is a relatively easy form to fill in. Once deposited at Court it is then a simple matter of letting the Bailiff know and he will more than likely withdraw.

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

 

[sIGPIC][/sIGPIC]

 

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Hi,

 

I spoke to the bailiff today over the phone.

I mentioned suspending the warrant and the N245 phone.

He said that was one option, the other being speaking to PRA Group and asking to arrange to pay monthly installments.

 

He also said I should speak to PRA Group rather contacting them by in writing.

 

Obviously PRA will try to extract as much money out of me as possible, an unrealistic amount to my circumstances I would guess.

 

Will the courts via the N245 look at my offer more sympathetically?

Do they simply pass on my monthly offer to the PRA and then PRA decide whether to accept the offer.

 

The debt is 8K.

Would an offer of £75 to £100 quid a month be considered a reasonble offer I wonder.

 

Thanks.

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" Will the courts via the N245 look at my offer more sympathetically? Do they simply pass on my monthly offer to the PRA and then PRA decide whether to accept the offer."

 

Yes its passed to the creditor for consideration....attached to the N245 is an I&E which providing you complete truthfully and make a proposed monthly offer..they will have to accept or the court will make them accept.

 

If the I&E reflects an affordable payment of £20 pm then thats what they will get.

 

The N245 offers you protection...dont agree a payment with the creditor direct.

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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