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    • I think his point is renewing his season ticket shows it wont happen again. using contactles doesnt.
    • Thanks dx for your guide. Yes, I will use their services, but not often. I usually spend around 80 per month, but the season ticket price is 160. I plan to renew it as long it could help me to show that I will not do it again.
    • if you are going to be using its services yes if not no. STOP PANICKING........ yours is not the next move. dx  
    • You could try this and include a copy to the SRA who are being particularly tolerant to this bunch of jackapes. This also shows that you are not to be messed with and are capable of stirring up trouble for them when they step out of line. Dear DCBL, I am in receipt of your letter of 18th April 2024 regarding CPR1.1 After studying the whole section I cannot see anywhere that I am required to furnish you  with my mail address or my phone number. Perhaps you would be kind enough to provide me with a reference to it. I suspect that your subterfuge is designed to allow you to bombard uninformed litigants with last minute information on the day of their Court case which appears to occur at times with your company. I notice that you are asking for proportionality at the same time as you are demanding  an unlawful £160 when you are aware that under PoFA the maximum that can be demanded  is only £100. You will note  that I have included the Solicitor's Regulation Authority into our conversation in order to ensure your reply. And your old excuse of "admin. error" is surely wearing a bit thin even with the SRA. so I look forward to an apology for your error and a declaration that you will desist from trying to hoodwink other motorists in future.  
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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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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Igroup/GE Mortgage + secured Loan + now Engage- beat GE Repo - now Engage Repo **WON** Want to reclaim charges


Pleasehelpme26
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Can anyone help I'm at my wits end.

 

I have had a mortgage with ge for 10 years.

 

We have arrears of £40k.

These have accrued though ill health and self employment.

 

We have been paying part of the contractual payment each month

although no arrangement set to do so.

 

I am under medication as I'm agoraphobic and mentally unwell.

My GP has written to ge to confirm.

 

They wanted a GP letter to do a final review but have said they are going for eviction.

 

Letter only posted today so not read by ge.

 

My husband starts a new job, more money and as an employee.

 

I have offered as of end nov to pay full monthly payment to prove we can pay each month.

Then I have asked for arrears to be paid off over remaining term.

 

Ge said no.

I have 2 children and one has a heart murmur.

Will a judge listen or just laugh at me.

 

Ge sent police to my door and contacted a social worker today as they thought I might kill myself.

 

Can anyone help?

 

Please :(

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blimey £40k arrears!!

 

so how much was the mortgage for?

when did you take it out?

is their NO MPPI or insurance with the mortgage to fall back on?

what is the full term of the mortgage?

 

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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To northern bloke. I can't send pm yet...Thanks for your reply. When you say 50% is that half the arrears? We could only afford £228 per month but that is repaying over the remaining morgage term. What did ge do about fees and additional interest? Thanks

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Hi, has this case already been to court? is there a suspended possession order in place?

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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If they apply for an eviction order then you can submit an application to the court on an N244 form

asking for a hearing to have the eviction stopped (we can help you with that).

 

 

Obviously you will have to be able to show you can pay towards the arrears each month and clear them within the remaining term of the mortgage.

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Is the secured loan in arrears ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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Hello there.

 

Ell-enn has written a useful guide on repossession problems. Here's a link in case it helps you to understand more.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?325527-CAG-guide-Are-you-facing-eviction-or-repossession

My best, HB

 

Thank you, I'm suicidal

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You will have to start repaying the arrears on the secured loan - how long has it left to run ?

 

It would help you to get an idea of what you can realistically afford if you complete the affixed budget sheet (it calculates automatically as you fill it in) - you need to factor in what you can pay towards the arrears on both the mortgage and secured loan. You will also need to submit a budget sheet with your N244 application so you might as well get it done now and we know what we are dealing with.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi yes ok. Do I tie it in with my other morgage? Will the judge laugh at me because of arrears amount and payment history? I will fill in sheet, can I do it on my phone and do I submit on here to you? Thanks

 

Probably best to do it on a laptop/pc etc. Let me know when you have completed it and you can email it to me at [email protected] (there is no space between the c and o).

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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