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    • Hi If you have went via a Mutual Exchange and this is to do with Social Housing/Housing Association then both parties need to firstly be approved by each parties Housing Association and accepted by them. Once this is done the relevant Housing Association for each will then get each party to sign a New Tenancy Agreement with the relevant Housing Association. So what we really need to know is: Does the other party to this Mutual Exchange know you have changed your mind on exchanging properties? Have they just signed an Agreement in principle to exchange properties? or Have they actually signed a New Tenancy Agreement for that Property? If they have signed a New Tenancy Agreement then this will make not now wanting to continue the mutual exchange difficult due to the New Tenancy Agreement being Signed. We really need to know what stage this is at to give correct advice
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    • going nowhere then. well if you've not been simply doing it to look the big cheese to your mates, you need to address why you are doing it. if its to impress your mates then simply stop being an idiot eh? , learn from it and go live your life . dx
    • Yes only with dwf. The first letter I received was explaining that I have not responded to the first letter they sent which I did not receive at all  then the second letter came, they said again saying we have not heard from you we are extending this another 14 days but at that point a couple of days before I called them on the phone saying I have received this and supposedly i owe money for stolen goods and that I need to see the breakdown which they then emailed to me dwf said this was what we were trying to send to you at first and I told them we have not received your first letter only one asking for demand of payment. On my second call to them I asked can you list the things that I have supposedly stole to which they replied “we normally have this on file but I can’t seem to find this on your file”   
    • oh well, at least your eign of terror is over now. so no contact directly since from/to sainsbury's. everything since has only been with DWF?
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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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      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.

      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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been with Bains & Earnest / moneyplus for 12yrs


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All debts to 12 creditors are over 12 years old.  Been on a debt management plan paying a few pounds to each for 12 years.  None appear on my credit report.

 

Can I ask for my Consumer Credit Agreement? As they have mostly been sold on several times.  

 

Then if they can't produce it, offer very small settlement?

 

But if they can produce the CCA it maybe risky asking them to produce it??

 

My question also is, can they reappear on my credit report?  And based on my current credit report, could I apply for credit?  Essentially my current credit report says I am debt free.

 

Advice GREATLY SO VERY MUCH APPRECIATED

 

Very best wishes

 

Amelia

 

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  • dx100uk changed the title to DMP for 12yrs
  • dx100uk changed the title to been with Bains+earnst / moneyplus for 12yrs

I got into this state by borrowing to help with university then using each one to then pay the other. 

I was then with someone who didn't like me working in bars so I gave that up and at that time after studying that was the only way I knew to earn money.  And it then all got out of hand as had baby and not able to work.

 

Details:

Cabot £8k and £4.7k

Link financial £6.4k and £3k

Arvato £6k

Capital One £5.9k

AIC ( I think this is Allied International Credit £5.5k

Moorcroft £4.5k

NCO Europe £3.8k

PRA Group £3.4k and £1.4k

Barclays Bank Collections and Recovery £1.3k

 

Absolutely terrible I know.  I never intended this but need to get rid of it all and wonder if the fact they no longer appear on credit report whether they could reappear or what this all means. 

Also whether to ask for CCAs on them?

 

THANK YOU SO VERY MUCH TO ANYONE TAKING THE TIME TO CONSIDER THIS.

 

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Thank you so much for replying

 

Almost all credit cards I think.  Maybe one was a loan but would be 2002(ish). Nothing secured - I don't own anything at all.  

 

Ok, so I have checked my Experian file and my rating is 912.  Nothing appears on it so they must all have dropped off.  It states I could improve my score by having some credit.

 

I am wondering how to get through this whole huge problem and have a strategy as I have 2 children and need to get life in order for their sake so need to be ruthless to try and sort it all out.

 

I am wondering if I should request copies of CCAs from them. 

All are pre-2007 ( some threads suggest this may mean something with being enforceable in the terms of pre-2007 agreements). 

 

If they can't produce it I could then offer 5% settlements. 

I have offered this % already which they all refused even when they know my dreadful circumstances. 

But maybe if they can't produce a CCA they might be tempted to take the 5%  If this fails just keep going paying tiny amounts per.month.

 

Then, in the background, try to deal with the bigger picture and apply for a credit card in a few months after getting responses on the above to build my credit record as the current ancient debts won't ever reappear on my credit report.

 

Do you think this might be a good strategy?

 

Thank you so very much

 

Amelia

 

 

 

 

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Oh my goodness, it is shocking! 

What is a SAR and what would it reveal?

 

No I never will get into a mess again but wondered if it might help if I ever get to the point where I might ever apply for a mortgage one day. 

 

I have lived without credit for 12 years so don't want it but was thinking ahead of hoping to be able to apply for a mortgage or be normal and that was Experian's suggestion to improve the score. 

 

would probably buy petrol once a month and repay in full each month.

 

Ok, will send out requests for CCAs making sure I find out the right owner. 

If I get copies what do I expect to see and what do I do. 

If they can't provide anything, what do I do then?

 

You are incredibly kind even responding to me

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Oh my goodness.  Thank you again SO MUCH for every bit of advice!

 

Ok, going to do that with requests for CCAs.  Then deal with debts in the background of trying to build my life up again.

 

When I do apply for and hopefully get a mortgage - would any old creditors see this on my credit report and inform the mortgage company? I just had a terrifying thought that if I ever manage to buy a house, I could face having my mortgage removed if the bank giving the mortgage finds out about my debt situation.

 

Going back to my old debts - after CCA requests, whatever the outcome, I will look over the years to offer settlements to at least clear them and for the accounts to be closed but it will take a while and there will be overlap with a mortgage.

 

Could any of the existing debts be passed onto bailiffs? 

 

Advice AS ALWAYS so very much appreciated

 

Best wishes

 

Amelia

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  • AndyOrch changed the title to been with Bains & Earnest / moneyplus for 12yrs

Thank you so very very much to you both for your thought and kindness in responding and advising.

 

I will read up more on the forum like you suggested but going to start the process of sorting it all out based on your advice.

 

I notice your profile states 'site team' - what does that mean?  I was just so overwhelmed at how kind you've been spending time to give advice.

 

Very best wishes

 

Amelia

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