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    • agree with all that HB, but biden certainly didn't excel, and difficult as that is with a garbage spouter like the bean stain coloured Trump, it is what he needs to be able to not just handle - but show up as the spoiling garbage it is. Grown ups don't win by allowing spoiled children free reign in their tantrums.   Admittedly the host failed miserably, but Bidens preparedness was clearly sadly lacking.  
    • Good morning I've attached the reply I've received from Marquis in response to my letter of claim.I would like to add a few things that I consider important. I first reported the heater fault on August 3rd. That was the 42 day since purchase, but Marquis had had the van for 12 days so the clock stops as I understand it so it was the 30th day which means that the fault was present when it was sold. They had had one chance to repair and failed to investigate any further. I think the cost that they are refusing to pay are more than reasonable. An offer of a tank of diesel world have settled part of it.   And they are definitely not getting a copy of my bank statement   Although I am sure that I'm not obliged to use the Warranty provided I've been reading my Warranty document and it says it's administered by "A1 guarantee ltd "and they are who I should ring to make a claim.The email address to make a complaint is a "global ins" email. i find it very confusing as in the front of the schedule it says "This guarantee is a non-insured product, any obligation to repair your motorhome will be our sole responsibility. Should we cease to trade, then this product will no longer be valid"      
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
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    • I’m in desperate need of help
       
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      I’ve also contacted their customer service too
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       I have sent them a letter before court email
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      I’m literally at the end of my tether and don’t know where to turn next !
       
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Three Lions Chambers Birmingham


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Hi guys, nice to be here again.

Just after some advice because I smell a rat!

 

A family member is looking to enter a DMP.

He’s found the above firm online and approached them.

 

They purport to be a firm of lawyers/barristers and are relatively new so there’s not a lot of information on the internet about them. However, I’m extremely dubious regarding their methods, this is what they’ve told him so far-

 

In the first instance he stops paying his debts now and they give him a reference number to quote when the phone calls start.

 

He will pay nothing to his creditors for the next 12 months but he will pay a £120 per month fee to them while they approach his creditors.

 

They also talk a lot about challenging contracts, interest rates, irresponsible lending etc, but nothing initially about debt management.

 

After the 12 months has elapsed, they then consider his/their position regarding any successes of freezing interest, debt write-off, lowered payments etc and decide a way forward that “could” result in a debt management plan.

 

oh yes, he was also told on the phone that they could “almost” guarantee that 80% of his debts would be written off.

 

Now I know you are all going to say that this is one big s*@m, and I totally agree with that. But I would like to hear any thoughts on this as to be honest, I’ve never heard of anything like this before so any experiences would be gratefully received.

Thanks all

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I would want to be very careful about making any kind of comments that could be interpreted as being defamatory of a set of chambers which apparently is comprised of solicitors and barristers.

 

I would ask anyone else who contributes to this thread to be careful about what they say.

 

Having said that, it certainly sounds very strange and it makes me feel very uncomfortable on the basis of what you have explained to us.

 

I'm sure there will be other people who will have a suggestion to make – but if you are going to go for debt management then I would suggest you go to an established organisation that is may be linked to a charity.

 

Of course, you could do a lot worse then come here and explain all of your debts to us and maybe we can help.

 

I expect that we probably have more experience than most organisations. And of course, we are completely free

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Thanks for the reply bankfodder. I agree with what you say but barristers or not, there is still an amount of vagueness on their website. You would think that people like these would be very clear about their services. Especially about what may happen after their 12 x £120 payments of which all is their fees. It made me wonder just how many creditors would be quite happy to have payments suspended for 12 months and only after that period enter into debt-reducing negotiations?

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£120 per month!

 

I obviously read it too quickly. I thought it was per year.

 

Frankly I think that's the end of the discussion.

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That’s what I thought too.

 

It seems that those payments are just to see if there are any reasons to challenge the validity of the Agreements.

 

There’s no mention of anything resembling a DMP until after that period and even if that happened, I’m sure there would be further, maybe hefty fees.

 

One thing I forgot to mention though, the guy on the phone told my family member it would be pointless challenging the Agreements on their cars, even though one is at the one-third payments mark and one is just over halfway.

 

I suggested a VT on the one that is now halfway through the payments to save them a bit of money but it didn’t go down too well.

 

I also offered to draft letters with a view to reducing payments but that didn’t go down too well either which is fine by me as I’m limited by time at the moment.

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Dump them now

Do it for them yourself

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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Ive done your posts for you too

 

Please get rig of them

Send your mate here

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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the extra chrs# were not you cag has a few issues wee ironing out after a long awaited upgrade.

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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Sounds like a well disguised IVA Plan

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 The National Consumer Service

 

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

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  • 8 months later...

open

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I think they've now gone bump.  Ray Austin Williams (Barrister) resigned earlier this year (see CompaniesHouse).  WebSite gone too.

 

If you paid via direct debit (I paid via GoCardLess) then ring GoCardLess and do a chargeback under the direct debit guarantee scheme

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Thats a shame :becky:

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 The National Consumer Service

 

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

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