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    • Thanks for replying dx. No she doesn't want to keep the car. It's cost and other running costs are impossible for her now . I just want to get the situation settled with the least amount of stress for her because of her mental health.  Cheers, Billy
    • ok well BH aren't known for being nasty etc, they are lloyd a mainstream bank. not like moneybarn motonova etc etc. that cab be very nasty. does she want to keep the car? but its just going to be if truthful there is no chance of being able to pay for it realistically going forward and ofcourse use = running costs too? the cheapest option here is going to be VT (has to write) whereby she will only owe to the 50% mark detailed on the back of their agreement. and as its BH i suspect once that is done and dusted , will most probably be persuaded to accept even lower payments. your thoughts dx    
    • I have now seen her credit file. It only really shows the car loan and the car insurance. I guess this means she can't claim they didn't do affordability checks so what would be advice as to her next step? Thanks in advance Billy
    • could you please also fill this out. and scan up to one mass pdf both sides of every letter she can find/has  
    • please note corrected defence filing date .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
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      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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    • 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.

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      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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From Fee Paying Twinpier DMP to DIY


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Hi

 

My partner and I got into a lot of debt after we became self employed in 2004.

When things got bad we kept the company from going under by using personal credit cards.

 

Credit was easy to come by; we had one credit card (MBNA) with a 20k limit, as well as several others.

 

Following a heart attack in 2006 I had a Critical Illness insurance payout, and used much of the 47k to pay off some of the larger debts.

However, when the credit crunch of 2008 occurred, business suffered and the debts piled up again.

 

We took out a DMP in 2012, costing £50 month in fees and paying our creditors £5pm, and £20pm to HMRC for Tax Credit over payments. Total monthly bill £150.

 

I have been reading the CAG debt forums recently and this has given me the confidence to cease paying the DMP company and have a go at dealing with our debt myself.

 

I have SAR'd the DMP and hope you can help me going forward.

Edited by Andyorch
Paras
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I've moved you to the debt management companies forum.

 

DUMP THEM...

 

who are they please?

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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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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Share on other sites

Thank you for your reply dx.

Have read the link.

 

Have informed DMP we have stopped payments.

 

Will CCA all DCA's for credit/store cards, SAR DCA's and OC's for overdrafts (using original reference no.s), and pay HMRC direct.

 

Does this sound correct?

Edited by dx100uk
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no point in an sar to any DCA.

 

sar to Twinpier

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

go read that thread in post 3

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

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