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    • Weaknesses in some banks' security measures for online and mobile banking could leave customers more exposed to scammers, new data from Which? reveals.View the full article
    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
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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
        • Like

How difficult is it to prove "IRL" and what is the criteria?


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Hello again,

 

I've been with TSB for around 9 years. At the time of opening the account in 2013 it was as a parachute account because I was a few years into a Debt Relief Order

 

On the very day I was "discharged" from the DRO, TSB phoned me and asked if I'd like a credit card with a 7k limit! 

 

Since 2016 my annual salary has been £14,000. Despite recent job changes, my income has remained constant, around the 13/14k level p.a.

 

I have no other sources of income. My wages have always been paid directly into my TSB Bank Account.

 

In 2021 I stupidly took out a loan for £12k with TSB. Long story as to why, but after decades of financial insecurity (DRO's, Gambling Problems, Heavy Drinking, etc), I finally found my credit rating to be good enough to be offered loans again, and wanted to have a "failsafe" if everything went "tits up" in my life again.

 

In Jan 2022 I (even more) compounded my stupidity by requesting ANOTHER £10k loan with TSB - more to see if they'd give it to me one drunken night rather than needing it. Yep, they did.

 

So, that's 22k I now owe TSB (without interest!)

 

I haven't missed a payment on either loan yet. I don't plan to!

 

However, I'm really struggling now to meet my monthly commitments on both loans.

 

I recently phoned them to try to consolidate both loans into a single loan at a much more preferential APR - but they wanted to have a long 2hr Zoom call to discuss everything and I doodoo myself, cancelled it. Because I'd lied on my loan applications and said I earned £22k p.a.

 

my question is - I don't believe they should've lent me this amount of money when it was clear from my account I only had around £250 going in each week. I consider that to be totally irresponsible!

 

HOWEVER! I'm an adult who knew what he was doing, and I lied on my application form.  isn't that technically fraud?

 

I can make this month's payments on both loans, but November I'm possibly going to have to default.

 

Any and all advice welcome - even smug judgement because I KNOW I've been a royal idiot  here! Ha! 

 

*Too late to edit, I just wanted to add that I didn't lie in any other respect on the loan application - Job correct, Address correct, etc.

 

Only about my Salary - surely there's an algorithm that looks at these things and must've seen that my weekly pay in no way added up to what I was stating?

I'm not trying to get out of paying - I took the money, I owe the money, I wasted the money.

 

However, I've been a moron and shouldn't have done it - especially as for the first 3 years I operated the account they could see I was in a DRO, and my credit rating was scrapping the financial barrel?

 

Am I just being naive here?

 

 

 

 

Edited by dx100uk
I warned you in your last thread...please stop swearing!!
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Not a. Chance

 

Unless your file had defaults or late payments.

 

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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