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    • I live in a student house, with 5 tenants, unihomes is our utilities provider, who we each have a direct debit set up with and have paid each bill every month. Two letters were sent in my name by BWLegal saying I had two outstanding payments due adding up to over £3500, I have tried to contact british gas (as that is apparently our houses provider) as well as Unihomes. Nothing has helped and BWlegal are pursuing legal action if these debts are not resolved by the 1st May. What do I do? I've called Bwlegal when i bring up that the debt isnt for me and for unihomes they hang up on me. so I am stressed and do not know what to do
    • cant do either if its not in a public place or on your land. dx  
    • scared of what? you simply jumped at turnstile.... it's not a prison sentence and done very doubtfully of any criminal. exuberance of youth stupid act at very very worst it will be a warning letter if anything ever happens ..means nothing going fwd. dx          
    • Hi, everyone. I received a letter from TfL investigator/Prosecutor. The letter reads as follow:   ''Thank you for responding to our enquiry letter. Your comments will be taken into consideration when reviewing whis case and we will contact you as soon as we have reached a decision. TfL now consider prosecution against passengers who are in breach of all TfL byelaw offences and I must inform you that further legal action may be taken. TfL byelaws can be found at ... Please do not hesitate to contact me if I can assist you further.''   The letter was sent 23 days after I replied to them. Should I send another begging letter to IAP? I'm extremely scared now. Thanks all.
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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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advice needed,on so many debt collectors after me


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I would agree with what gingerheid and pmhcfc have said. Contact CCCS for advice. They really are very good and will take time to go through things with you and help you sort things out. Alternatively CAB offer a similar service which is just as good. These organisations will draw up a plan whereby you are not forced to pay more than you can afford.

 

The one piece of advice I would give and can't give strongly enough is to pay off what you owe Provident and then steer well clear of them. I have been exactly where you are and still trying to claw my way out of it now, I also turned to Provident in sheer desperation. That hole only gets deeper and deeper! you take a small loan out and it costs so much in repayments you can't afford to pay anything else....and top-up loans are far too easy to get.

 

I totally sympathise with you and know too well how desperate your situation seems at the moment. Don't despair, there is hope. Get some advice about your debts, have a good look around the forums to learn what you can do about unenforceable debts etc, ask questions if you need to....someone will always answer them on here.

 

Most of all just remember never to let anyone pressure into paying more than you can afford. And you wont ever be locked up because you've got yourself into debt!..

 

Good luck with your situation...it will get better!!

 

Take care

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Trading standards in general are pretty shoddy. i took a complaint to them about my car being repossessed illegally. the lady i spoke to was very nice but her advice was just to leave it as they might pursue me for the money i owed to them. she basically ignored the law and told me that it was unfortunate but just to let it go.

 

I have now taken the company in question to court and have a court date of 14th september. they have offered me an out of court settlement of £2000 which i have declined.

 

I am confident i can win this case or at least reach an out of court settlement close to the amount i want to claim. when i do, i will be passing the details on to trading standards in the hope that they don't put other people off in they way they did me.

 

Good luck

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  • 2 years later...

Am resureccting this thread as I am about to go into hosp agin for a 'minor' op. I AM SO!!! WARY. I need this op but am obviously wary of coming out iller than i went in. I have no choice, it needs to be done. Have steered clear of hospitals since my last expeience but I can't anymore....it's a minefield

 

going in on thurs....so any nice messages of support will be welcomed:)

 

wish me luck peeps x

 

oops have posted in the wrong thread.....sorreeeeeee!

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