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    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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Boris Johnson, former Prime Minister


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From Prof Chris Grey on Twitter.

Seven years on, Brexiters talk more about remainers than Brexit. Latest post on my Brexit & Beyond Blog. Whether imagining revenge plots or harking back to 'Project Fear', Brexiters are far more interested in 'humiliating' remainers than celebrating Brexit

 

Illegitimi non carborundum

 

 

 

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Channel4 is showing a factual drama about Partygate tonight at 9.30. The photos I've seen dom't look good for Team Boris.

WWW.STANDARD.CO.UK

From the sick, to the spilled wine on the walls (and breaking a child’s swing): Partygate has it all

 

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Illegitimi non carborundum

 

 

 

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On 23/06/2023 at 18:46, theoldrouge said:

No point dignifying a pointless debate which was purely for the indulgence of the usual remoaners

That would be those who want Johnson to remoan remain in office? I agree that they're a somewhat unholy rabble, though 🙂

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Boris is a busted flush for now 
So totally pointless getting all stewed up over him😀

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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I think everyone should be reminded very regularly what a lying corrupt piece of **** he and others were and are, lest we make the same mistakes again.

I have no doubts whatsoever he should be; like Trump; in the dock. Loong past time he was

 

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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Nice to see you again Mr Jugg😀

I thought you must be stuck up a gantry on the M25 somewhere with no internet 

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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There isn't much coverage of the Covid inquiry in the MSM. openDemocracy have half a dozen articles on the proceedings. WhatsApp messages show a government in chaos.

WWW.OPENDEMOCRACY.NET

Messages from Simon Case, Lee Cain and Dominic Cummings document tension at the heart of government during Covid

 

Illegitimi non carborundum

 

 

 

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This was the rumour before, which has been confirmed. Boris had Covid which affected him severely, so may not have been in a position to really be in command, so others stepped in ?

NEWS.SKY.COM

The latest disclosures will lead to renewed pressure on Simon Case, who remains in his post despite previous embarrassing revelations.

 

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On 14/10/2023 at 07:57, unclebulgaria67 said:

 

This was the rumour before, which has been confirmed.

By Case et al trying to point the finger away from themselves?:

'It wasn't me, it was Handcock and NutNUt, or Cummings (although he agreed with the good stuff I wanted but that didn't happen). It was anyone/everyone but me. No I haven't got the txts from our other phones to prove all the really good stuff we wanted - they were self destructing and I didnt use official phones and thats not my fault either. I think the other phones got lost somewhere while on a ferry.

 

Confirmed? - ROFL

'Alleged' is likely giving it far more credibility than it warrants.

 

 

Oh- and that seems to be trying to allege that Johnson was at any time 'competent'  and that its just Covid that made him incompetent and dishonest ... Realllyy?

Edited by tobyjugg2

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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oops: correction

Oh- and that seems to be trying to allege that Johnson was at any time 'competent'  and that its just Covid that made him Lazy, incompetent and dishonest ... Realllyy?

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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OMG, Does that mean that as he was the same both as London Mayor, and at University, hes not only the original long sought source of Covid, hes had the longest long covid of anyone in the world.

Someone call guiness book of records ..

Edited by tobyjugg2

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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Johnson is a bit like Trump. Attracts support from the same type of people.

What is worrying is that the Tory party and Republican Party in US have been taken over by those who want to fundamentally disrupt the centrist liberal way most people have lived in recent times.

Brexit was part of this movement, trying to split up the European economic area and this is still ongoing with political parties in some EU countries wanting to see their countries exit the EU. But without most of the media promoting anti EU propaganda, it is much more difficult in EU countries, than it was in the UK.

The question is, who is financially backing this right wing disruptive movement ?

 

 

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Interesting question about the funding, UB. There are mutterings about US donors and possibly Russian as well.

You could also ask who's funding all the right wing think tanks in 55 Tufton Street who won't declare their sponsors.

I'm not sure that leaving the EU is as popular as it was since Brexit actually happened and other countries have seen the effects of leaving. France's Marine le Pen has pretty much dropped Frexit and I think Meloni in Italy has backed away from it over the last few months.

WWW.NYTIMES.COM

 

Illegitimi non carborundum

 

 

 

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There have been some concerns on left and right of politics,  that there is a risk of WWW3 starting before 2030.  Recently a senior Tory (cannot remember which one) stepping down at the election, said he was very concerned by defence spending levels, as they did not consider the risks that will be faced in the next 10 years.

You wonder if the arms industry and their investors are trying to create the circumstances where they can make money.

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

 

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

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My question is: How can organisations which refuse to release their funding sources operate in the UK let alone gain UK tax relief - or even operate? Let alone be politically active?

Mind you, it would be a bit rich the current Tories requiring openness and transparency I suppose. I can imagine the response: Lead on MacVeryDuff

or: Sorry we lost the phones with that info

Edited by tobyjugg2
  • I agree 1

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

Link to post
Share on other sites

Watched part of that HB

Calling each other f***wits and allsorts via their whatsaps during a national crisis .. and during actual meetings

- not that I'm intending to imply they were incorrect at all

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

 “Do I want to spend every Friday for the next five years in Clacton?”

Farage, Feb 2024 talking smack about the Peninsula town

.. before he decided he wanted their votes

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Share on other sites

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