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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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    • 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.  

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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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    • 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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Lowell PAPLOC now Claimform - old E-ON £3K+ bill ***Claim Dismissed***


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Hi Dx

Court Hearing tomorrow.

I am mentally prepared for it. Atleast, it will all be over tomorrow.


I am taking with me 

1. My Witness Statement with all the Attachments

2. Claimant's Witness Statement with all the Attachments

3. My Passport and Driving License.

I am not taking anything other than the above.

Not taking any docs such as MPan numbers/Meter Numbers, Our Property Title Deed, any old Emails etc discussing Meter relocation.

not carrying any paperwork to confuse the Court that can potentially complicate the matter.

Only taking the WS with the attachments.

I will stick to the WS if prompted to answer something during the session, just like you advised.


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well Trump just got 1000% crushed so Lowell on the chicken shed debacle should be a walk in the park.


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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Hi Dx100uk and everyone who took time out to help me here. Andy0rch, Bankfodder, fkofilee, Jk

We won.

The Judge dismissed their entire claim and offered me to ask for compensation. I thanked him hand on heart and said, we don't need anything from the claimant. We are just glad to finally be free.

The Judge spent more than 90 mins  thoroughly understanding the case and grilling Overdale's Lawyer. The Judge argued the case on my behalf, occasionally asking me specific questions for example what date did you move in .. or, when was your own meter installed.

Eventually, when the other Lawyer was already out of arguments about the money being owed, the Judge brought up Back Billing that I had slipped in towards the end of my WS. At the end the Judge made a long statement and decided I don't owe anything.

Their Lawyer requested the Judge to consider an adjournment but the Judge refused.

Please may I thank all of you who kindly helped me here. Each one of you, especially my Dx. You all are truly some of the sweetest people I know. I will never forget you.

I am making a small donation of £200 to help this gem of a forum that helps so many people like me. May you all be blessed. 🙏


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Posted (edited)

Am glad to hear you won very well done.


one question: what grounds did their laywer ask for an adjournment on?

Edited by jk2054
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Have we helped you today?         Please Donate button to the Consumer Action Group The National Consumer Service


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  • AndyOrch changed the title to Lowell PAPLOC now Claimform - old E-ON £3K+ bill ***Claim Dismissed***

Delighted for you Autumn53....really wasn't expecting any other outcome.

Well done topic title updated. And many thanks for your generous donation very much appreciated.

Lowells Nil..... Chicken Shed 1 🦃






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We could do with some help from you.



Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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I emailed you a couple of hours ago about your donation because it wasn't clear who you were or how we had helped you.

Now I understand. Thank you very much indeed. It is an incredibly generous donation and happens to come in a very good time when we have domain renewals and so forth stacking up and need to be paid for.

Thank you very much indeed. It's generosity like yours which helps to keep on going giving help and support to people free of charge. I'm very pleased that you had such a great result

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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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By the way what is the name of the solicitor who attended for the claimant and what firm did they work for? We might as well put their names up here nice and clearly

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Thanks again everyone for your lovely messages. 

JK their Lawyer just nervously said 'Judge could you please atleast consider adjourning', sifting through the paperwork once the Judge gave his judgement. The Lawyer went quiet after the Judge said he will not be adjourning. 



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