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    • Another one. Apparently this has been hushed up for about three months. They're working through their majority quite fast with all the sackings. Not that they've done anything about Menzies yet but he sounds like a blackmail risk. Here's the original article.   Revealed: Tory MP allegedly demanded campaign cash to pay ‘bad people’ ARCHIVE.PH archived 18 Apr 2024 07:32:33 UTC  
    • and another one   MP Mark Menzies loses Tory whip as party investigates claims he misused funds "According to a source close to Mr Menzies, the MP had met a man on an online dating website and gone to the man’s flat, before subsequently going with another man to a second address where he continued drinking. He was sick at one point and several people at the address demanded £5,000, claiming it was for cleaning up and other expenses." The sum, which rose to £6,500, was eventually paid by his office manager from her personal bank account and subsequently reimbursed from funds raised from donors   Never mind losing whip - how about criminal charges   MP Mark Menzies loses Tory whip as party investigates claims he misused funds WWW.INDEPENDENT.CO.UK The Fylde MP is alleged to have used campaign funds to pay off ‘bad people’ and cover medical expenses   ALSO According to the The Times, £14,000 given by donors for use on Tory campaign activities was transferred to Mr Menzies’ personal bank accounts and used for private medical expenses. The MP, who is one of Rishi Sunak’s trade envoys, is also said to have called his 78-year-old former campaign manager at 3.15am one day in December, claiming he was locked in a flat and needed £5,000 as a matter of “life and death”.   Hes supposed to use funding from Taxpayers and doners for a life of service, not funding a life of drink and debauchery Hope his parliamentary expenses are also investigated.   In fact, perhaps Mr Bates next role in life should be as an independent investigator of Parliamentary expenses?
    • He asked for that one, didn't he?
    • Trump was unable to make it through the first day of court without falling asleep on Monday, which sparked a whole host of jokes, memes and even a new nickname, 'Dozy Don'    
    • The shift to card and contactless technology in the past decade has been rapid - not just in Britain, but in all sorts of remote pockets of the world. This is yet a further sign of it.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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    • 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

Help with managing £90k+ debt


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As a Site Team member who should be commenting more, and someone who has been in precisely your situation, I can only echo DX100's sentiments.

Paying those debts are a hiding to nothing, and will make zero difference to your credit, and will only serve to put money in the pocket of the DMP.

Let them all default, pay nothing and in 6 years you will be clean, remember paying them even a penny resets the statute barred clock so just ignore their mountain of letters and threat' o grams , phonecalls etc.

Always open your mail though just in case it's a letter of claim, if that happens (and it might never) come here and we can help you bat them off. As for Lowell I have a lot of experience of them, I would say watchful waiting, counts for a lot, always open their letters,  look for anything that's been transferred to Overdales Solicitors, if they send a letter of Claim they are easy to kick to the kerb, as they are very speculative, often relying on people not responding in order to secure a judgement.

We could do with some help from you.

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35 minutes ago, JHall2023 said:

I'd be tempted to pay any discounted offers that come due to ignoring... I've got another bank account open for cheap settlements.

Potentially I could settle most of this for £15-25k? It's easier and based on my income increasing it'll be peanuts.

I can see my income improving over the next year so any discounts I'd be welcome to. If I can afford it at some point why not?

On a side note, I'd like a mortgage before 30, I suspect I'd need a VERY high deposit and pay higher interest (if anyone even considers me in the first place with all these defaults).

On the side note, by the time you are 30 all of this would have disappeared whether you pay or not, which is why you would be bonkers to even consider paying a penny. 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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It's a waiting game, remember they have 6 years, I had more debts with more creditors , at more value than you, and I ended up with 4, but that's before I found this place, then I wouldn't have any because they are easy to bat away mostly, with very little writing. I could explain why this is, but just take my word for it.

We could do with some help from you.

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None of this is worth worrying about, the letters will come in fits and starts, the only one you need to worry about is a letter of claim, that may or may not come at some point

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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The DCA's , the wording, everything is designed to make it sound like this is the most important thing in the world.  In reality all that the likes of Lowell do is purchase thousands of debts for 10p in the £, and their mission is to use any means to sound like they are actually a court or a bailiff to scare you into paying. In reality nothing could be further from the truth.

The reason why the debt is so cheap is because they are mostly fatally flawed and won't stand up to any scrutiny. That's why the Original Creditors don't take you to court and crush you, it's better for them to take a massive loss and sell to the likes of Lowell,

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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