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    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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
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Hahahah...google wilf...it fetches up the urban dictionary....i am sure thats not what you intended it to mean caza, but it made me chuckle...check out milf too.

Jennyxx

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unfortunately my 17 year old daughter had to explain it to me .:oops:

 

Luckily she is well brought up enough not to say the actual words (or do actions):p

 

My MILF is johnny Depp:D

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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lmao i u 2... i started posting the MILF explanation and then thought better of it and deleted it again haha glad i did now ;)

***************************************

Feels like a lost little girl x

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Hi all

 

Just got my hearing date for 17th September. The letter states:

 

 

BEFORE District Judge Ayers sitting at Bedford County Court on 2 July 2007.

UPON HEARING the claimant in person and the defendants not attending AND the claimant filing with the court the schedule, being handed to the court today.

 

IT IS ORDERED THAT:

 

1. The claim be allocated to the Small Claims Track

 

The hearing will take place at blah blah blah and should take no longer than 2 hours.

The court must be informed immediately if the case is settled by agreement befor the hearing date.

 

2. Dispense with statement/documents.

 

 

Well all in all I think I look really good cos I turned up and they never. Still waiting to hear from my 2nd Nudge to Wragge sent on Friday. I like the bit in bold print, and I assume Wragge get a copy exactly the same. You never know what the next few days hold;).

 

Well at least theres no court bundle to do, seems to me that the Judge is getting miffed with the banks wasting time, and then settling.

 

Will keep you posted.

 

Caza x

 

P.S My Milf would have to be BillieJo Armstrong from Greenday.mmmmmmm

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yayyyy good luck Caza, Im giving Wragge til tomorrow then i am going to ring the court and email wragge :D i want this settled now its getting on me nerves!

***************************************

Feels like a lost little girl x

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Hi all

I had an email today from penaltycharges.co.uk concerning the Southend Barclays cases that were heard yesterday. Apparantly it states that claimants of charges from Barclays are to face a Circuit Court Test to prove them as unlawful.... the cases will be heard on 4th December. Barclays sent a barrister to defend 40/50 cases in batches of 10 and made a complete balls up of it. The Judge laid into him for being totally unprepared (he'd even lost some of the paperwork:D), and told him that he was very annoyed that the cases hadn't been sorted out in atimley manner and had been wasting every bodys time.

 

All the claimants are well chuffed as the cases could well set precident.

ooooeeeerrrrr.

 

Anybody else heard anything about this?

 

Caza

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Just looked at the new poc on the sticky, it also strongly recommends that claims are no longer issued through mcol. Do you think that those of us that have already done so using the earlier poc will come up against any problems when we do go to court.????:(.

 

Hope this dosn't cause any problems. Good news about the OFT case today though its a shame that it will take so long to hear anything concerning the decision.

 

Caza

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Hi there,

 

Must have a read of that later, off out for a bit now.

 

The only stumbling block I've come across using MCOL was that I had no idea about this Judgement Form having to be filled in, hence everything now is a mad rush. There must be lots of other potential problems though involving a "third party" at the beginning of the claim.

 

Yes, it could mean a long wait for a lot of people now, which is a real shame ... they're talking about the end of the year "earliest" when claims will be looked at again:rolleyes:. Hope things go well for you Caza.

 

Mimi x

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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Just looked at the new poc on the sticky, it also strongly recommends that claims are no longer issued through mcol. Do you think that those of us that have already done so using the earlier poc will come up against any problems when we do go to court.????:(.

 

Hope this dosn't cause any problems. Good news about the OFT case today though its a shame that it will take so long to hear anything concerning the decision.

 

Caza

 

I was wondering the same - I suppose we will have to wait to see what happens to claims - and try and read up whether we should be submitting new POC :confused:

 

jan:)

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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