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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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Hi,

I hope you're well, I have had a few letters from adidas claiming I owe £600.

I received them l12 months ago 

I have received some recently,

I have seen some people being taken to court over this.

What has happened to the cases that went to small claims?

I have everything to dispel this as well as evidence 

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https://www.consumeractiongroup.co.uk/search/?q=dwf letter&quick=1&updated_after=any&sortby=relevancy&search_and_or=and

 

Also, you could try telling everyone the story because we aren't very good at guessing games on this forum

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I returned some items last year and as far as I was concerned everything was fine,

I received confirmation that it was received and my refund was processed as per their terms and conditions.

I have now been receiving these letters for the past year which I have been ignoring as I initially thought it was a scam as it doesn't even specify any items just a figure .

after doing some research I can see many people have gotten similar letters and some are being taken to court just though I'd come on here to see what the general consensus is on this and what has happened to anyone who has had a MoneyClaim against them.

Although I am not worried at all if they try to pursue a MoneyClaim as it's laughable and I have all the evidence if it gets there

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the letter are from DWF scammers not adidas 

as long as you have not moved since your dealings with them. you are safe to sit on your hands until/unless you ever get a letter of claim.

20+ adidas threads here to read.

use our search top right.

dx

 

  • I agree 1

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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From reading various posts on here its looking real bad for DWF.

Adidas themselves haven't even attempted to make any contact, this has been escalated to DWF directly for whatever reason.

The order was so long ago i had to look back through emails to find proof of the return just in case.

They haven't even mentioned any items just a figure and the letter even says "do not contact our client" which is laughable.

But i saw 2 money claims on here which was shocking,

how they think they can win any case is ridiculous.

But thanks for the confirmation, I will just wait

Edited by dx100uk
unnecessary previous post quote removed
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its a corporate sign up to dwf and the services they provide.

don't be mistaken here, adidas might not know, the extent, or actually what dwf are doing, but they most certainly CANNOT, as the claims here witness, be the claimant on a court case, adidas are .

it could well be an exercise in seeing what mugs cough up with simple threat-o-grams and give them free money when there is not legal reason too, and the court claims could just be testers to see how they go. 

sadly most people wrongly wet themselves when they get a court claim, just like the ones from dca's on debts they bought, and cough up blindly. but i very much doubt with evidence of returns adidas will win. sadly people go quiet and dont tell us they won or the claim was discontinued. rather selfish really. 

its a numbers game but i bet it profitable and 99% of the money dwf get from people that ring them up goes straight in their pocket and straight down the pub. just like the retail loss scam letter dwf and RLP send out.

 

dx

 

  • I agree 1

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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just type no need to keep hitting quote.

its not money related for adidas they couldn't careless over few £10k at best. its just a corporate scheme someone playing golf with a dwf rep agreed too.

dx

 

  • I agree 1

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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  • 1 month later...

doesnt usually take this long for allocation to the court you put on your n180.

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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its automictically forwarded to your court for allocation. nothing to do with adidas the claimant nor their dogs. unless they have discontinued the claim  and the only way that happens id by sending you an n279.

nothing silly going on here like you've moved or address is incorrect?

it cant hurt to ring northants bulk or your chosen court and ask 

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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Sorry I think I have confused everyone,

Ngoki is the one who started this thread.

i wrongly posted there.....

I only ever received those initial letters claiming that i owe x amount,

I haven't had a small claims court but I have seen a few on here but what I've seen happen in the ends is that no one provides further updates.

So I was thinking either they have discontinued or the users are just not updating

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posts moved to your own thread.

if you cant post to it because its auto closed in the future then click the three dots and report post , we'll reopen it

 

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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  • 2 months later...

I can see you just joined, did you receive something similar?

As for me apart from the scary looking bs letters I have received no MoneyClaim

what I find extremely weird is that everyone who has a MoneyClaim is not updating anyone as to what has happened which is confusing because they came here for help in the first place.

For example @Maus has given no update with regards to his MoneyClaim

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open

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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