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    • should I?  - I figured maybe back log.  I will give them a call then - it's almost 4 months tbf
    • Do you have historical meter readings from before the meters were changed? And more recent history showing consumption, in metered units not in £s,  since the change. One specific thing to check is gas. Check that the meter and the bill use the same units. If the meter is recording cu.m but they're billing as if it was counting 100 cu.ft, then your bill will be nearly three times too high.  Overall I'm guessing it's an Ovo screw up. It's significant that they didn't block the transfer, maybe they aren't so sure of their position.
    • Hmmm, interesting point. In my career, that I am retired from now, there were an immense amount of rules and regulations that one had to adhere to by law. The qualification process is rigorous with on going assessments throughout your career and re-certification every 12 months. If you were shown to be not competent in those rules and regulations you could not hold the position and the operational consequences of that could potentially be dire. In the same respect, perhaps a judge who is not conversant in the rules of POFA should not sit in on cases that requires proficiency in that area? I also bow to your considerable knowledge in this area, perhaps I shouldn't be commenting but by doing so I find it helps the learning process. Your last point has just reminded me of something that may help my case, thank you.
    • Just had an email re the my breache in agreement by her rep.   I asked you yesterday if they had asked about her name in the thread being removed.   The issue they have is the Elizabeth turner and genetic pups entry on google.   they knew I did not put it up and told them so in court.  I dnt know how to post on google.   I told them I cannot remove what I did not post.  when i come back here and saw her name gone from threads title, I presumed her reps sought it.   now I get an email saying her names still on google ur breaching the agreement as it’s still on google.  
    • Peter McCormack says "ambition is big" and Real Bedford's attendances are increasing with promotions.View the full article
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    • If you are buying a used car – you need to read this survival guide.
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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.  

      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.

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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
        • Like

Got into debt again, yes I'm an idiot, can't have anything coming back to upset my aged parents. i live abroad.


Recommended Posts

1 hour ago, Xerzes said:

I work full time, min wage. All my debts are unsecured but registered at their house due to me being on the electoral register there.

debt is not registered against an address.

1 hour ago, Xerzes said:

However, if I write to all my creditors and give them my new address in France, then simply stop paying - from what I've read here they'll default me, my credit rating will be screwed for 6 years, then all cancelled? 
I know it's never good to run away from debt. 

no once the default notice reaches 6yrs and the account is removed from your credit file - IT IS NOT CANCELLED.

1 hour ago, Xerzes said:

so they can't do a backdoor CCJ to my parent's address,

if you inform your creditors you are now resident in france they cannot get backdoor CCJ's - but anyway - so what cant hurt the address ever.

1 hour ago, Xerzes said:

Am I better to apply for a DRO from France once there,

id do the dro now .

but i would start with invoking the

Debt respite scheme (breathing space): Guidance on mental health crisis breathing space - GOV.UK (www.gov.uk)

dx

 

 

  • Like 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...
2 hours ago, Xerzes said:

Most, (in my unfortunate previous experience), will either result in an OC letter of claim, or be farmed out to some ****** DCA who will inflate the existing debt with arrears/charges/fines, etc, and will eventually also issue a LOC

OC's rarely issue a letter of claim neither do they do court.

DCA's do not and cannot inflate debts, neither can they nor anyone FINE you for being in debt.

debt is not a crime in the UK nor EU.

 

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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Share on other sites

posts moved to your own thread.

@Xerzes

you need to READ UP 

we are predominantly self help

we dont nursemaid.

there are 100's of threads here whereby DCA's whom have purchased a debt and send a letter of claim or PAPLOC as its called

used our enhanced google search box. for that or any other queries.

if you cant find the answer then do pop back on this thread and ask away.

but you dont file a defence in response to a letter of claim.....its not a court claim..

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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Share on other sites

hit letter of claim and READ all the posts that come up

it's called self help.

its not keyboard warrior..it's knowing how to deal properly and not panic.

also read other peoples journeys

we dont nursemaid

Debt management and Debt self-help - Consumer Action Group

 

 

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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Share on other sites

  • dx100uk changed the title to Got into debt again, yes I'm an idiot, can't have anything coming back to upset my aged parents. i live abroad.

well seriously you are not understanding advice or not reading advice.

On 10/01/2024 at 18:36, Xerzes said:

I have the opportunity to move to France to live with my younger sister. It will transform my life, my mental health, my whole world.

On 10/01/2024 at 20:04, dx100uk said:

if you inform your creditors once you are resident in france they cannot get backdoor CCJ's 

once you are resident in another country, simply write to each debt owner with proof you are perm resident else where and have been for sometime and thats it, it's all over. they can't do anything.

dx

 

  • Like 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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Share on other sites

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