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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.
  • Our picks

    • 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
        • Like

Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)


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In the meantime, why isn't this lie monger investigated - Especially who paid for those conspiracy nut lie mongering pamphlets?

WWW.THEGUARDIAN.COM

UK health minister ‘spreading baseless claims’ by saying local council planned to restrict freedom to drive, say Lib Dems

 

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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Sunak actually nailed it in his boring speech yesterday 
Starmers only offering is vote to be depressed 
Just about sums up lefties 
Humourless and Depresive🤣

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

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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and didnt Sunak end up trying to claim that defense is best in Tory hands ROFL

they cant even get a trident test right, let alone keep the British flag ships maintained and working eh?

- and all in full sight of our enemies

 

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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LOL LOL LOL

Don't need that many to deport a handful of volunteers - at best

Home Office department processing Rwanda deportations told to cut jobs

Exclusive: Illegal Migration Operations Command freezes recruitment and draws up redundancy plans, leaked documents show

Cant have hundreds of well paid people in a department deporting a single volunteer when we have an upcoming election to lose now can we - VIPal drenched in riches and departments full of pals well paid for doing nowt will 'sadly soon be history - was rumored to in a text from a soon to be ex-minister texting in from one of his main jobs in a number of industries he will soon be unable to help.

 

WWW.THEGUARDIAN.COM

Exclusive: Illegal Migration Operations Command freezes recruitment and draws up redundancy plans, leaked documents show

 

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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Protecting our borders .. from Food imports if not illegal immigrants eh?

WWW.THEGUARDIAN.COM

Lorries carrying meat, cheese and cut flowers held up by new checks, with retailers rejecting some orders

 

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

No surprises here:

The only two Reform candidates who won council seats have been investigated by the party over social media posts that praised the far-right leader Tommy Robinson.

 

 

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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

Posted (edited)

Tory MPs: Public will lose (them) if we can’t earn tens of thousands from second jobs

YEEHAWW - bring it ON

 

Labour's plan to ban MPs' side hustles will not help as second jobs help prevent   'plotting and scheming' - argues one senior Conservative

- too busy self and paying pal serving to plot for anyone else

 

INEWS.CO.UK

Labour's plan to ban MPs' side hustles will not help as second jobs help prevent 'plotting and scheming', argues one senior Conservative

 

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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British decline linked to Brexit, weak leadership and poor finances in damning report

 

WWW.INDEPENDENT.CO.UK

A damning report has shown that the UK has dropped out of the top 10 countries for good governance under Rishi Sunak’s leadership

 

 

and how does Sunak and hunt address this? by lying their bosoms off about it of course:

 

WWW.THEGUARDIAN.COM

Chancellor seems to cherrypick data as he tries to outline how the Tories have got the country back on its feet

 

 

  • Like 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

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Share on other sites

Jolyon Maugham on Tory data sharing. They have a 1300 page dossier on hm and have shared it with dubious PR people, Palantir and some right wing papers. Very concering, who else's data are they doing this with?

 

Illegitimi non carborundum

 

 

 

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This is priceless. Badenoch is allowing pubs, restaurants and cafes to serve meals outside, as part of our 'Brexit freedoms'. She seems to think Europeans can't do this. 🤣 🤣 🤣

WWW.DAILYMAIL.CO.UK

Plans unveiled by the Business Secretary include proposals to remove regulations that make it hard for pubs, restaurants and cafes to get...

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Illegitimi non carborundum

 

 

 

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“Inept” ministers who fail to understand “the mess they have created” are responsible for new delays to Rishi Sunak’s flagship Rwanda plan, Home Office insiders have told i.

INEWS.CO.UK

'It’s actual chaos,' a Home Office source tells i. 'They don’t understand what they’ve done and they need us to explain it to them.'

 

Illegitimi non carborundum

 

 

 

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NEWS.SKY.COM

While insisting his petrochemicals conglomerate INEOS is apolitical, Sir Jim backed Brexit and spent last weekend with Labour leader Sir Keir Starmer...

 

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Starmer cosying up to right wing outliers and Brexitish (who seem to be just pointing the fingers away from themselves for the failures resulting from what they financed and promoted) to the outrage of huge swathes of the party is a real problem IMO

- probably the main thing that could generate vast quantities of 'I'm not voting' among regulars

 

Looks like hes taking the core for granted and embedding himself in the 'they have nowhere else to go fallacy' - well they may decide the else is redundant and they simply have nowhere to go

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

Posted (edited)

Monaco based Ratcliffe isnt happy as he hasn't got the Brexit he wanted .. for his interests from his base in Monaco ..

 

When do we hear about how Brexit should be from vacuous from Indoniasia Dyson, or tractors from India man?

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

Link to post
Share on other sites

I see

WWW.THEGUARDIAN.COM

Stephen Watson says process will be carried out ‘fairly and impartially’ in his most extensive public comments on the claims

 

So when Is Johnson, Jenrick, cummings and a number of other 'multi homed' Tories who  claimed under lockdown that there country estates were their main homes so it wasn't breaking lockdown to go there - while voting in constituencies

Let alone all the expenses for multiple homes claimed ..

Let alone the following selling houses largely paid for by the taxpayer - and pocketing millions in profit as well  ..

WWW.THELONDONECONOMIC.COM

No fewer than FOUR Tory MPs decline to disclose whether they paid tax on the sale of their taxpayer-funded 2nd homes.

 

 

 

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

Posted (edited)

Wonder whos getting his 'safe' seat?

... still waiting for the announcement that Johnson the Liars carcass is being dragged back by the remnants of the same dead horses that dragged it out.

... should be dragged into the courts on multiple counts

 

WWW.INDEPENDENT.CO.UK

Chris Heaton-Harris, who has a majority of 26,000, is the 65th Conservative to announce he is leaving parliament

 

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

Link to post
Share on other sites

Britain has dropped out of the world top 10 for good governance.

The article has a clip of Sunak being mullered by Janet Street-Porter on Loose Women. I've seen a couple of other clips and it really didn't go well for him.

Yet again, the spads think it's a good idea to go on daytime TV because he'll have an easy ride. It reminds me of Truss's disaster when they put her on local radio.

WWW.INDEPENDENT.CO.UK

A damning report has shown that the UK has dropped out of the top 10 countries for good governance under Rishi Sunak’s leadership

 

Illegitimi non carborundum

 

 

 

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There are various interesting snippets in this. Minister Johnny Mercer was working on a train recently and another passenger took screenshots of his laptop screen with a memo to No 10 with a few complaints.

This one isn't a surprise but seems to show that the Tories are deliberately suppressing the student vote.

'The cabinet minister complained that he had been trying to persuade No 10 to let veterans use their IDs at polling stations “for months without success”. He said he had found out the plans had been blocked by the prime minister’s special advisers because they could “open the floodgates” to allow students to use their cards too. In the event some veterans were turned away from polling stations when they went to vote. No 10, he said, was failing to listen to him and other MPs. “Feels like even I cannot have any impact on the grid/ government comms,” he said.'

 

Illegitimi non carborundum

 

 

 

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Lords committee thinks the EU should postpone taking back control of its borders because of delays at St Pancras and Dover. Good luck with that one.

 

Illegitimi non carborundum

 

 

 

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