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    • Nicky Boy
      One Parking Solutions Windscreen PCN - private flat bays, share of freehold . - Durrington, West Sussex.

      By Nicky Boy · Posted

      The only way to verify whether there is any financial reward for the management is seeing the agreement. That would be required during disclosure IF court proceedings went ahead... Unless you could bring pressure to bear and get a copy?
    • dx100uk
      Iva with Hanover now been passed to credit expert

      By dx100uk · Posted

      god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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    • Alfy
      Iva with Hanover now been passed to credit expert

      By Alfy · Posted

      Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

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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.

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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
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

What can we do about Fuel Prices?

chocolatte

By chocolatte
in General Consumer Issues

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calvi36

calvi36

Posted
Posted

cracking post, damn am getting old, I still do all that cally said, I need help, anyone reccomend a good shrink?

 

 

How funny, was just reading this out loud to hubby, bit off topic I know, but funny and true all the same...

vid.gifvid.gifvid.gifI Should Never Have Survived!

According to today's regulators and bureaucrats, those of us who were kids in the 60's, 70's and early 80's probably shouldn't have survived,

 

because our baby cots were covered with brightly coloured lead-based

paint which was promptly chewed and licked.

 

We had no childproof lids on medicine bottles, or latches on doors or

cabinets and it was fine to play with pans.

 

When we rode our bikes, we wore no helmets, just flip-flops and fluorescent 'spokey dokey's' on our wheels.

 

As children, we would ride in cars with no seat belts or airbags riding in the passenger seat was a treat.

 

We drank water from the garden hose and not from a bottle and it tasted the same.

 

We ate chips, bread and butter pudding and drank fizzy juice with sugar in it, but we were never overweight because we were always outside playing.

 

We shared one drink with four friends, from one bottle or can and no-one actually died from this.

 

We would spend hours building go-carts out of scraps and then went top speed down the hill, only to find out we forgot the brakes.

 

After running into stinging nettles a few times, we learned to solve the problem.

 

We would leave home in the morning and could play all day, as long as we were back before it got dark. No one was able to reach us and no one minded.

 

We did not have Play stations or X-Boxes, no video games at all.

 

No 99 channels on TV, no videotape movies, no surround sound, no mobile phones, no personal computers, no DVDs, no Internet chat rooms.

 

We had friends - we went outside and found them.

 

We played elastics and rounders, and sometimes that ball really hurt!

 

We fell out of trees, got cut, and broke bones but there were no law suits.

 

We had full on fist fights but no prosecution followed from other parents.

 

We played chap-the-door-run-away and were actually afraid of the owners catching us.

 

We walked to friends' homes.

 

We also, believe it or not, WALKED to school; we didn't rely on mummy or daddy to drive us to school, which was just round the corner.

 

We made up games with sticks and tennis balls.

 

We rode bikes in packs of 7 and wore our coats by only the hood.

 

The idea of a parent bailing us out if we broke a law was unheard of...They actually sided with the law.

 

This generation has produced some of the best risk-takers and problem solvers and inventors, ever.

 

The past 50 years have been an explosion of innovation and new ideas.

 

We had freedom, failure, success and responsibility, and we learned how to deal with it all.

 

And you're one of them. Congratulations!

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naughtyemit

naughtyemit

Posted
Posted

What I find scary about callyday's post though is that, yes I did virtually everything on that list and am still here, still (relatively) sane, in my mid 30s with a family.

There is no doubt about it, things WERE better when I was growing up, so what the hell kind of chaotic mess are our grandchildren going to live in? People will probably be sued for expelling dietary byproduct methane into the atmosphere and should you be caught for the heinous offence of picking your nose (in the privacy of your own eco friendly, carbon negative tent) then you will probably be exiled to the federal penal colony (Belgium) for exposing the population to an uncontrolled risk of pandemic flu.

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chocolatte

chocolatte

Posted
  • Author
Posted

Well, fortunately for me naughtyemit, i don't have time to fart or pick my nose, as I am sure anyone with children will agree. So, we are safe!!! :lol:

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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chocolatte

chocolatte

Posted
  • Author
Posted
If you own a diesel car, it can easily be converted to run off vegetble oil. It gives out no nasty emissions and is free: get hotels, restaurants etc to give you their used oil. It may take a little more effort than standing at a fuel pump, but it is so worth it financially and environmentally. Technically, you still need to pay fuel duty on it, but @ 27.5p per litre is still much cheaper.

 

Those hippy roots of mine are once more resurfacing!:D

 

Spotnot

Get away spotnot:lol:

See, this is what annoys me about this counry, has the duty not already been paid for by the hotels and retaurants?

I earn a living, pay tax etc, try to save some, pay tax, buy something, pay tax, it's amazing I have any money left!

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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Movingon

Movingon

Posted
Posted
Get away spotnot:lol:

See, this is what annoys me about this counry, has the duty not already been paid for by the hotels and retaurants?

I earn a living, pay tax etc, try to save some, pay tax, buy something, pay tax, it's amazing I have any money left!

 

Why would the restaurant pay fuel duty on Vegetable Oil? They're using it for cooking, not fuel! If you use it as fuel, YOU are liable for the fuel duty.

 

However, CURRENTLY, one has to be licenced to sell fuel oil of ANY description, and one must charge the fuel duty at point of sale. If something is sold to you for use as fuel oil by a non-licenced seller, they are breaking the Law and are liable to prosecution. You are also liable to prosecution for using fuel obtained illegally. So - declare it to the taxman and pay the duty by all means... but realise that you'll likely also have to pay the fine for using it in the first place!!

 

Personally I would prefer to use either diesel from the forecourt or find a licenced source of biodiesel or other substitute...

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chocolatte

chocolatte

Posted
  • Author
Posted
Why would the restaurant pay fuel duty on Vegetable Oil? They're using it for cooking, not fuel! If you use it as fuel, YOU are liable for the fuel duty.

 

However, CURRENTLY, one has to be licenced to sell fuel oil of ANY description, and one must charge the fuel duty at point of sale. If something is sold to you for use as fuel oil by a non-licenced seller, they are breaking the Law and are liable to prosecution. You are also liable to prosecution for using fuel obtained illegally. So - declare it to the taxman and pay the duty by all means... but realise that you'll likely also have to pay the fine for using it in the first place!!

 

Personally I would prefer to use either diesel from the forecourt or find a licenced source of biodiesel or other substitute...

That would be wise :lol:

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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spotnot

spotnot

Posted
Posted
Why would the restaurant pay fuel duty on Vegetable Oil? They're using it for cooking, not fuel! If you use it as fuel, YOU are liable for the fuel duty.

 

However, CURRENTLY, one has to be licenced to sell fuel oil of ANY description, and one must charge the fuel duty at point of sale. If something is sold to you for use as fuel oil by a non-licenced seller, they are breaking the Law and are liable to prosecution. You are also liable to prosecution for using fuel obtained illegally. So - declare it to the taxman and pay the duty by all means... but realise that you'll likely also have to pay the fine for using it in the first place!!

 

Personally I would prefer to use either diesel from the forecourt or find a licenced source of biodiesel or other substitute...

 

 

Sorry, need to disagree with this. The places that supply me the oil don't sell it, they give it away. Secondly its not sold as fuel, cos certain additives are added to make it run cleaner.

 

I have done this for many, many years. More years than I care to mention. I have researched this many times. There is a program on BBC2 (How to live more green, or something similar), bloke has big moustache. Anyway, they showed you how to convert the oil into fuel. Surely, if it was illegal, then the BBC would be in serious trouble.

 

If anyone is interested in this, have a look at this website

 

RUN a DIESEL CAR on VEGETABLE OIL

 

It isn't illegal to use vegetable oil as an alternative fuel source. Never has and never will be. Oh and apologies, its now 28.35p per litre in fuel tax.

The only illegal bit is not paying the duty, which I always do.:D

  • Haha 1

Spotnot v MBNA and their nasty solicitors (on behalf of my friend)

 

If I have helped in any way, click my scales.

 

Remember, we were all newbies once!!

 

When you win, donate!!!

 

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chocolatte

chocolatte

Posted
  • Author
Posted

Do you really run your car on oil from the supermarket, and it doesn't damage it at all? Of course I would try it if it worked and didn't damage my engine, lol, anything to get one over on the tax man! He he, but I wouldn't do it regular of course ;)

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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spotnot

spotnot

Posted
Posted

No, my oil comes from restaurants, but SVO (straight vegetable oil) can be used just as easily. Remember Diesel engines were first designed to run on Peanut oil!!

Spotnot v MBNA and their nasty solicitors (on behalf of my friend)

 

If I have helped in any way, click my scales.

 

Remember, we were all newbies once!!

 

When you win, donate!!!

 

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  • 8 months later...
huggles

huggles

Posted
Posted

Oil is becoming a scarcer resource and whilst I expect that more of it will be found, it is now also in greater and greater demand and will continue to be as china and india grow. Why waste your time trying to force the price down as economics suggests that that would only make the problem worse, surely?

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  • 2 months later...
JOSH_IOU

JOSH_IOU

Posted
Posted

Please support the fuel protest in Dover 3rd 4th 5th of May in the campaign section. If you can come along please register your support.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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JOSH_IOU

JOSH_IOU

Posted
Posted

if only the bus went to where i was working.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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JOSH_IOU

JOSH_IOU

Posted
Posted

Wish i could walk that far you've no idea how much i do.

Ive a bad back and cant walk.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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