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    • Okay, just seen this and thought I’d stick a oar in.   If your (old) GP feels that the therapeutic relationship is damaged to the extent that they’re unable to treat you then they’re perfectly within their rights to have a colleague see you. It would appear, in spades, that this is likely the case given the strength of your reaction to a relatively minor occurrence. If that wasn’t / isn’t the case and there was indeed an emergency then the GP concerned did you a favour by not making you wait any longer.    There’s a common misconception that once a patient has left the consultation room that the GP is free to start work on the next patient. If indeed it was an emergency the GP could have well instructed the person to travel directly to a local hospital whilst they call ahead to arrange urgent investigations or treatment which takes time. And please be assured, 40/50 minutes on the telephone to a hospital trying to track down the consultant or ST1 responsible for a particular speciality isn’t uncommon.   By all means ask the PM for an explanation, it’s likely to be very simple. A clear breakdown of therapeutic relationship.  
    • I agree with BN. Do you have anyone to help you like the CAB or welfare rights at the council or a charity? It seems a shame to miss out on money if you're entitled to it.    HB
    • Hi all   I have a court date for speeding and FtF. Court is 140 miles from my home. I have written to the Clerk of the court for transfer to my local court. I haven’t heard back yet after 10 days. Just want to find out if such request can be granted.   Also, I have been asked to go and work abroad for 3 weeks. I finish the posting 3 days after my original court date. Can I ask for adjournment or do I have to reject my job posting?   Every input greatly appreciated.   Thanks all.
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    • Thanks for updating, you should take some further advice on this, Its stressful but a large amount of income fr you is at stake.
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
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      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
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      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
TimeToStandUp

Approved Car Finance/Funding Corp CCJ/CO after £6k car repo - They want £27k to settle

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Hi

 

I bought a car from Approved Car Finance in 2008 for around 6k,

 

Back then I couldnt afford it and it got repossessed (illegally according to Stephensons Solicitors).

The Funding Corporation took me to court,

 

Back in those days there was no websites like this to help so I hid my head in sand and lost....

 

I had the odd letter from them,

a year or so later a solicitor sent a nasty letter which I wrote back with a load of complaints,

 

I trying to rebuild my life, as my wife passed away a few years back

 

I met a lovely lady and we started a family together,

but we need to move on,

I decided to sort all my debts out and look to move...

 

today this is in tatters as Funding Corporation want £27k to settle this debt, which I truely believe is all miss selling.

 

PPI, Warranty on Car which was not fit for purpose, GAP Insurance, I was without the car for the first month as it was faulty, illegally repossesd...

 

Where can I go from here, the CCJ was recorded in 2010, and they put a charge on my house.

Edited by dx100uk
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well, you can reclaim the PPI and so forth.

as for the charges added at the time that were unlawful or without foundation you will find hard to get rid of because they took you to court and won.

 

I presume that they claimed interest as well that is still being added.

I dont think they can do this for more than a year after the judgement if you havent paid them anything at all.

 

illegal repossession

- well, agian you are too late as you have 6 years after the event to take action so that has passed by as well.

 

you can claim interest on the PPI and that will claw you back a goodly amount from that time

but you are likely to ony get 6 years worth

but if they have added interest to your bill then they will have to reduce their debt accordingly

so after this time the amount the PPI is worth will be double what you paid out.

 

Others may know more about the illegal repo and whether you have any comeback there after all this time.

Edited by dx100uk
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Is the debt solely yours but the home jointly owned with your late wife?


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Go check that charge. Check if its an actual charge or something like restriction K. You can check it at the land registry.


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

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Hi

it was a joint debt with my wife, as I Was doing the process of getting ready to sell,

 

I had to have her removed from the land registry, which I did last week. id

This is a full charge on property so has to be cleared with any sums.

Edited by dx100uk
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Aw that's a shame

Why was it an unlawful repo..

Expand that and your complaint s


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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CAG was founded in Jan 2006 .

 

Have you retained the original court claim N1 ...in particular the the particulars of claim ?

 

Also a coy of the Judgment Order informing you of payment ?

 

This is important to check the validity of this interest being charged.

 

 

Andy


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i do have the original court paperwork and a draft letter fro Stephenson solicitors, but at that time I couldn't afford for them to represent me, and I think that's when I gar up and stupidly did nothing.

 

I dig it all out and scan it and upload here

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i do have the original court paperwork and a draft letter fro Stephenson solicitors, but at that time I couldn't afford for them to represent me, and I think that's when I gar up and stupidly did nothing.

 

I dig it all out and scan it and upload here

 

:thumb:


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One multipage pdf please

Read upload


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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uHi guys,

I attached some documents,

the original application,

Bill of Sale,

the clients Court application form,

the court order,

some debt collector letters,

 

I have another box with loads more info and later I will add my full breakdown of what I feel is wrong with the wholething,

 

including the shocking info I found from the car once it had been repossessed..

 

Please find the docs attached to view.

TTSU.pdf

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Great work

Keep scanning!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Agreement is void under the CCA?

Insurances are not mentioned nor broken down anywhere

Go get all your moneyback and todays worth for the car you no longer have?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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thread tidied

corrected upload in post 11

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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So how do I go about this, it's been a burden on me...

 

what gets me is that a car finance company repossessed the car and then Acf at same car at auction for a pittance..

when they could of sold it in their own dealership to another mug like me for the Same price...

 

I also discovered that someone has been playing around with the mileage !

Edited by dx100uk
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I have asked someone to pop in when they have time re my post 13 thoughts

but its the holiday period


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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hi, is there any advice on this on how I should proceed?

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DX already gave youa dvice. Go get reclaiming. Theyre cash cowing you hard.


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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if I were to be totally honest

that's why I asked someone in the know to pop in..

the Court order was from 2007

but if it now appears the Agreement was void as I point to p'haps the case above

 

i'm not sure if there is a route or not to over turning the whole thing and getting money etc back out of them..

 

not seen a case like this


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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first forget about where and why they sold the car

You owned a property, they took the route of least resistance

Similarly the mileage irrelevant to your current situation

 

The problem here is you believed or were advised that you had a defence to the claim eight years ago.

 

Whilst there is no time limit to set aside a judgment , the court would want to know

a) why you did not submit your defence at the time given you had the opportunity,

b) you have known about the judgment for eight years,

but have done nothing about it till now

Burying your head in the sand would not be an acceptable reason

 

I cannot on the face of the facts see a good enough reason to attempt to set aside the judgment

 

Your best route is to mitigate the amount owing by reclaiming the insurances

 

However let's see the rest of the paperwork you hold especially the default notice and the exact date of repossession


PLEASE HELP US TO KEEP THIS SITE RUNNING

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Thanks OR

 

Dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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thanks so it's a case of literally picking off all the insurances one by one to lower the cost.

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However let's see the rest of the paperwork you hold especially the default notice and the exact date of repossession

 

and^^^^


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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