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By RammaLammaEast · Posted
Hi, I've got myself in a muddle and run up a lot of debt. 100% my own fault. After my rent and bills went up I refinanced my credit cards the used them to live off and refinanced again. Then did this a couple more times. I've reached a stage where I've run out of options, which may be a good thing in the long run. I have read a lot of the great threads on here and they are very informative thanskcompleted an income and expenditure form and was really shocked at what I have done. I am planning to pay all my debts back but I am currently just getting further and further in debt. I am working on my SOA and saving a fund up. I will provide all the relevant information here but I also need to try and get a quick answer to a question please. 1) Lendable (personal loan - I am only 8 days in arrears) have emailed me to say they will be sending a representative to my home. Is there anyway I can stop this? (I realise they have no power but I wondered if there is a way to stop home visits before they start?) My rough situation Unsecured Debt totals £41000 5 Loans and 10 Credit cards £1450 Repayments per month - Income around £1950 per month *All payments stopped and I was planning to wait for them to defult and then start doing my own DMP. Many thanks *I'm also worried about my MyCommunity Finance loan as they seem to go straight to a Letter before claim as soon as a default is reached. (Or at least they did on the thread I followed) -
The UN leader's call comes as new data highlights the worrying pace of global warming.View the full article -
Have just spent 40 minutes waiting for HM courts to answer the phone to be told I don't have authority to speak to them and he has to email them to give this authority which will take 2 weeks to process!!! Should I just send an N180 to them? And what about a N244? -
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we all need the above doing please dx
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Our picks
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If you are buying a used car – you need to read this survival guide.
BankFodder posted a topic in Vehicle retailers and manufacturers,
If you are buying a used car – you need to read this survival guide.-
- 1 reply
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Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld
ATJ posted a topic in Vehicle retailers and manufacturers,
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
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A2Dominion - Housing Association property flooding - damning ombudsman report
WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,
Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299-
- 161 replies
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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
BankFodder posted a post in a topic,
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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