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    • True, but all the threads we have for Wise concern hospital car park parking (except one) so it would suggest a hospital car park.
    • Don't worry, a week and a half is fine, especially as you've already drafted a WS. However, we need to see everything as dx says in the post above.
    • This preliminary hearing has been allocated 20 minutes so it should be fairly simple. However, judges are always on the look-out to get cases settled and sometimes these things can mushroom unexpectedly, so I would take along all the paperwork in order and prepare too much rather than too little. For example, we have a recent case where someone went to a preliminary hearing but the judge was appalled by the parking company's case and put huge pressure on their solicitor to discontinue - which he did. I have personal experience of trotting along to a preliminary hearing, only for the judge to go ballistic at the other side's solicitor who promptly dropped the whole case against me. I suggest your Mum takes these notes along and refers to them when necessary.   1.  I sent Parking Eye a Subject Access Request on 03/07/2023.  After one calendar month they had not replied. 2.  Their failure caused me a great deal of distress.  I was desperately trying to prepare for a court case and I felt they were hiding information from me. 3.  However, I did not rush to court, I sent a Letter of Claim on 03/08/2023 giving them an extension.  Again they did not reply.  So I started this court case. 4.  Parking Eye insist I have proof of postage for everything I sent - and I do.  5.  Parking Eye eventually satisfied my Subject Access request at the end of August 2023.  I believe they put a false date on their letter to pretend to have satisfied the one-calendar month deadline.  I believe they will have no proof of postage. 6.  In April Parking Eye sent me a letter to try to settle the matter, which offered me nothing.  7.  Later I sent them a letter offering to settle and asking them to offer a serious amount, not nothing, but they did not reply. 8.  I would be willing to settle out of court, but not on the basis that they offer me nothing.  
    • That was the date the email was received from them
    • Morning guys, I would appear I have more people chasing me than first listed. Apologies for this but I had a Very account for £2292.20 that was sold onto Lowell and Overdales, who sent me a PAPLOC request earlier in the year which I replied with all the usual, sent off CCA request etc. They responded on 07/03/34 with the attached. I guess i forgot to list this here nearer the time, They have sent me another PAPLOC request.  Could you please give me your thoughts on what they replied with previously and what I should do next? img049new.pdf
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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
      • 162 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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Help £10k card debts


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Hi,

 

I require some advice please. I am currently in around £10000 worth of debt spread across 3 credit cards. I can make the monthly payments but the interest is wiping out any payment I make each month, subsequently I am unlikely to ever pay these off fully.

 

Is there anything anyone can suggest to get me out of this hole? I have tried loans but where my credit rating is not that good I have been unsuccesful.

 

I'd appreciate any advice.

 

Cheers.

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If you haven’t already done so, write to them all with your I&E and offer the payment you can afford, even if its £1.00pm and ask them to freeze the interest.

 

They will, at the end of the day have to accept this. They know, that if it gets to court they have to show that all that is possible has been done.

 

Don’t telephone these companies and insist on contact by correspondence only.

 

If you consider the balances are include charges then claim those back to reduce the debt

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ok, cheers for the help. I'm sure I can claim back quite a few charges.

 

One more thing though - Do I have to prove that the amount I offer them per month is all I can afford? Could I offer them £1 even though I can afford more?

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Send these companies what is called an SAR, a template for this is in the library.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Also, write to them explaining that you disagree with the outstanding balance, this in effect places the account in dispute and will be put on hold for at least 28 days. When an account is in dispute, you are entitled to withhold payment until corrected.

 

Be honest with your I&E, as it might backfire, although I do realise circumstances can change for the better.

 

Other letter templates are here

 

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

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Cheers for that. Is there also a template for the Personal Budget sheet?

 

Also, how can I determine what is a reasonable standard of living amount? I could obviously work out how much I have to pay to my creditors, but I could never account for all my earnings. I still have to live.

 

I basically earn £950 a month - £275 for rent + at the minute there is about £60 to Halifax, £90 to Virgin and £90 to Egg + a Loan from Smile, which stands at £88 per month. That leaves me with £347, so in theory I could still manage the payments to each of my creditors. My main conxern is that I can not afford the interest payments.

 

How could I deminstrate that I need £347 or more to live on?

 

Cheers.

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I&E’s are always a person thing, however saying that the government has set minimum allowances/amounts for individuals, couples and families to live on.

 

If you contact CCCS or National Debt Line they will be able to give you the up to date figures, which by the way are excepted by the courts.

 

Below is an example I used recently for a working couple with no children. If you have children other allowances are allowed.

 

 

Expenditure Monthly

Rent 275.00

Council Tax 81.00

Water Rate 32.67

Fuel 53.00

House Keeping 232.00

Telephone 39.00

TV Licence 10.00

Travel Expenses 82.40

House Insurance 62.00

Emergencies 20.00

B/day Xmas 12.00

Other 12.00

Total £911.07

Income £950.00 - £911.07

 

Disposable Income £38.93

 

You then pay your creditors from the disposable income on a pro-rata basis.

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What Turnaround has told you is exactly correcxt. Your I&E includes what you need to live on and the cresitors get the balance. Your budget must be workable and realistic as you will have to stick to it for a long time to clear your debt. have you any items you could sell to pay off some the debt - car boots - e-bay etc can bring in a fair amount.

 

At the moment it will take you 21 years to pay off what you owe, which is not realistic. You do not have enough suprplus to consider an IVA.

 

Do a persaonl budget sheet and come back and we will see how we can help. Do you have an estimate of how much you wil lbe reclaiming in charges>

Consumer Health Forums - where you can discuss any health or relationship matters.

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