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    • Hello, welcome to CAG. Can you tell us more about what happened please? Who stopped you and which shop? Best, HB
    • You don't mention what the debts are, which is important, as it really depends on the details in deciding best course of action. So list types of debt e.g credit card, type of loan, utility bill; current owner bank or dca; approximate amount for each debt.  And do you own any property assets. There is no blanket advice regarding all types of debts. Whoever you contact regarding debt advice would want to know all of the information. The debt buying businesses deal with multi billions worth of debts. They can't issue Court claims for most debts as the cost of pursuing would be ruinous and don't have staff resources. Instead they rely on credit records being impacted and therefore people need to resolve the debts. And they rely on anxious debtors paying amounts after receiving threatening communications. If you know you are likely to be made redundant, start looking for other employment soon. Due to longer recruitment processes being followed by employers, it can take about 3 months between applying and starting a new job.
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    • I posted a couple of years ago about our debt situation and have been trying to pay off our debt as best we can. It is a possibility I maybe made redundant in a few months time, so I am trying to find out everything I can about what happens in today’s world when you can’t pay. I keep finding conflicting advice on various sites so I wanted to post this quote to get thoughts. It claims basically that the dca will likely get enforceable documents these days and therefore it’s likely you will have to pay dca at some point during the 6 year process.    on here I read a lot of comments assuming the exact opposite of this. A lot of the threads on here state the beginning of the process but I never see conclusive stuff about what happened from start to finish to get insight into whether debts post 2015 have been enforced etc. I hear a lot here not to pay dca companies but most my debts are post 2015 debts I am all up to date on our debts but if I lose my job it is likely I’ll end up where I tried to avoid in the first place. Which is destroying our files and dealing with DCA. I’ll post it below so you can see what I mean.   It is likely that any debts incurred after 2007 will end up with all the documentation being provided and being enforceable. Therefore you should use the time while awaiting responses going through your Income & Expenditure and considering any possiblity of making a full and final settlement. It can take a number of months to reach the stage of a hearing date and exchange of witness statements and normally you would be able to settle or come to an arrangement to pay before the court hearing, once documents have been provided, although this isn’t guaranteed.
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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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    • 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.

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      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

Aarrgghh, help!


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i think the message you need to leave her is this: my aq is due dec 26 - obviously, since the courts won't be open 23,24,25,and 26, i will be filing my aq on friday - that is 3(2) days from now.

 

i think you will need to go ahead and file, don't miss the deadline, it's a lousy time of year to find the dosh - maybe that's what they are hoping for - don't count on that extra 7 day thing - i'd file friday - it would have taken almost a miracle to get an offer, accept and get paid before friday anyway. but get it in, won't you - don't fall at the last hurdle.

let ms d'aubney know how unhappy you are and remind them that this is another £100 you will be adding to your claim.

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i know i said it would take almost a miracle (but it is the xmas season!),

this is a long shot - but when you talk to him in the morning - have a fax number available to give him - were he so minded - he could fax you an offer - you could fax it back and it could be put in your account within literally a couple of hours. as i said - it's a long shot - but using a kind of professional (listen, alan, let's see if we can't do what it takes to make this go away - another claim off your books before the holidays, avoiding even more costs....kind of attitude - it could work) but you would need access to a fax, and start early tomorrow -

don't get your hopes up that you'll get it resolved tomorrow - but it can't hurt to try. good luck.

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so, now here is some new info - read what i wrote and then the answer.

obviously follow lively lad's advice. forgive the cut and paste:

20/12/06

babs, new info - i asked the question on crusher's thread and lively lad (good man that he is) gave the reply. pass it on to other's as i have to dash..............

 

hey crusher, how's about a quickie....

question that is:

there are several people now who have had offers, accepted but it doesn't look like the money will come through until after the aq deadline.

am i right telling them they need to go ahead and file it before the deadline passes, even though they have signed the acceptance. bit of a grey area for me, unchartered seas........ yeah or nay, a lot of people will struggle to find that extra dosh at this particular time. what say you?

thankx for the input.

 

from lively lad:

I would firstly ask tell the bank you will need:

 

a) The cash deposited into account or a cheque before the AQ date

b) Failing that written confirmation of the offer.

c) I would also inform the court that you have reached a settlement and you are awaiting payment ask them to delay the submission date by 1 week.

 

anything happen today?

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