Jump to content


  • Tweets

  • Posts

    • My IVA which I began in 2021 has for around a year now been passed to credit expert - I find this company and it's staff obnoxious and insensitive money grabbing monsters.  What is my legal right can I have my IVA moved to another ip what happens if Hanover sell my file?  I am ina real bad situation where my kids are unwell and this crest expert supervisor is saying I should try more than what I agreed despite my situation being very bad and kids unwell.   I feel like they are bullying me and I duh I where to turn.  I keep getting emails saying we at credit expert are in charge of your iva now but still I got messages about my review annual from Hanover which I sent documents and now I got a response from credit expert saying they think I agreed to pay more - how ludicrous is that how can I keep these bullies at bay.   Who can I complain too without messing up my IVA.  I'm going to post below what they sent me please someone help me as they are making me suicidal now. These evil people g coincidently all Indians with weak English which is another issue as communication feels like a battle each time.    Good afternoon,   We hope you are keeping well.   In accordance with the terms of your voluntary arrangement you a required to comply with the following modification:   The debtor must seek to either obtain full time employment or improve self employed income to equivalent thereof as soon as possible and a full review of the debtor’s income and expenditure must be undertaken by the supervisor. The contributions shall increase after taking into account any increased costs in respect of travel and should commence in the month following the review. If any instances of co-habitation with the debtor by any person aged 18 or over occur during the term of this arrangement and where there is reasonable expectation that board and lodging should be paid, the contribution will be added into this arrangement in full. The debtor agrees to provide an income and expenditure review in the month following any loss of child related income. Any surplus identified is to be made available immediately for the benefit of unsecured creditors in the arrangement.    In order to ensure that the terms of the voluntary arrangement are adhered to, I require you to provide evidence that you complies with the above modification along with any supporting evidence.   Alternatively, if you believe you are no longer able to comply with the modification please do inform us.   I eagerly await your response to the points raised within 14 days of the date of this email.   If you have any further queries, please contact Customer Service on ‪0800 0431 431‬ or by email at [email protected].   Thank you for your comprehension.   Plese guys advice me what I can reply as I don't have any more money for these thieves and their annual review is an annual monster nightmare how can I tell them I'm not willing to be bullied and can't paid more    تھا ks   
    • Thank you. I will send letter off to Trade Centre UK today and if I don't get anywhere then I'll contact the credit company.
    • The relevant notes with regards to Reconstituted versions of an agreement if you wish to rely on an exhibit. Waksman Reconstituted Agreements.pdf
    • thank you. I assume therefore that this would be a no to mediation. I imagine it becomes very likely I will then have to physically go to court?  
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

The MP's campaign-Responses


moneyhelp
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5900 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

FAO: JA-DE, thanx soo much to Olden, my letter was the same, word 4 word as theirs so i dont have to worry about scanning it now!

 

Bonnie (phew) ;)

 

Ok bonnie, thank you.

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

  • Replies 1k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

What most of us is forgetting is that the action was started without any consulatation with any consumer group. As we were never consulted why should we be the ones to suffer a long delay and believe me the banks are going to try and delay it as much as possible. Basically what they are doing is challenging a statute!

Link to post
Share on other sites

What most of us is forgetting is that the action was started without any consulatation with any consumer group. As we were never consulted why should we be the ones to suffer a long delay and believe me the banks are going to try and delay it as much as possible. Basically what they are doing is challenging a statute!

 

All the more reason for everyone to contact all our MP's!!

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

I am thinking about resending to the National Assembly of Wales member, since I have had no response other than acknowledgement, is it worth sending another letter to Rhodri Morgan?

 

I have replied to Jessica Morden MP and also to Dr Thomas Huertas, FSA.

Link to post
Share on other sites

Hi ja-de I am still un able to confirm my signature(well 3 in the household) on the petition. webpage not found, unavailable or moved or removed? what is going on, I have tried the aol.thing, nothing happeneing.?

Link to post
Share on other sites

I am thinking about resending to the National Assembly of Wales member, since I have had no response other than acknowledgement, is it worth sending another letter to Rhodri Morgan?

 

I have replied to Jessica Morden MP and also to Dr Thomas Huertas, FSA.

 

I don't see why not, he's bound to reply eventually, even if it's just to say that he's "not interested".

Don't forget to let us know how you get on with your MP, & Dr Thomas Huertas.

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

In the letter (post 57 from Jonathan Evans MEP (Wales)

I am sure that proceeding on the basis of one test case in relation to these charges is ultimately to the benefit of bank customers, who until now have engaged in an expensive lottery in challenging these charges in the Courts. I share your concern, however, about the decision to allow banks to continue to impose charges until the case is concluded. I believe that there should have been a suspension of further charges pending the Court outcome, which would have the advantage of concentrating the parties' minds on ensuring that there is no avoidable delay in hearing and concluding the case.

would it be worth replying to Jonathan and pushing this point with him and back it up with the human rights argument... as I didnt mention that in my letter to him... ?

ps. perhaps we all have the same MP

  • Haha 1
Link to post
Share on other sites

Hi again ja-de I am still unable to confirm my signature(well 3 in the household) for the petition, the webpage not found, unavailable, moved or removed etc. what is happening, i have tried the aol thing nothing happening.

Link to post
Share on other sites

Hi jenny, I forgot to mention the human rights bit in my reply letters, the FSA thinks that the waiver does not interfere with our human rights!!(post 65) My MP Jessica Morden Newport East.

 

yes I think it would be worth pushing human rights, because it does effect us.

Link to post
Share on other sites

Hi again ja-de I am still unable to confirm my signature(well 3 in the household) for the petition, the webpage not found, unavailable, moved or removed etc. what is happening, i have tried the aol thing nothing happening.

 

Hi olden, which petition is it you are trying to find???

What's the "aol thing"????

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

yes read that... but as Jonathan is member of European parliament perhaps the 'human rights' bit would get their backs up over there in europe!! I mean its a bit more important that the size of a banana !!!! hehe

Link to post
Share on other sites

The trend at the start was that MEP's were telling us they didn't want to know, & that we should contact our MP instead, but today that trend has been broken by an MEP who seems interested!!

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

Hi olden, which petition is it you are trying to find???

What's the "aol thing"????

 

Hi I am not trying to find the petition, I have already signed, its the email sent to me to click on the link to confirm that doesn't work , the prime minister petition charter by Martin Lewis. The AOL thing is someone told me that sometimes if you are with AOL it doesn't open some links, try Ctrl,Alt,and Del. no joy anyway.

Link to post
Share on other sites

COMPLAIN TO YOUR MP ABOUT THE UNFAIR AND BIASED WAY THE FSA HAS HANDLED THE THE OFT CASE WHEN IT WAS SUPPOSEDLY ESTABLISHED TO SUPPORT CONSUMERS, NOT ISOLATE THEM

Just 5 Easy Steps!

  1. Use the template letter here
  2. Copy the text (amend if necessary but it will be fine as is for most people).
  3. click the link to the site shown at the bottom of the letter or click here
  4. Follow the instructions on the site to send to your MP (it will tell you who your MP is if you do not know.
  5. Go here to tell us which MP you've written to.

The letter can also be re-purposed to send to other representatives (Euro MPs, MSPs, Councillors etc. - just modify it yourself as required

 

Thank you!:grin:

 

 

Come on you can do it. Send the letter NOW!!!!!:grin:

  • Haha 1
Link to post
Share on other sites

MONEY SAVING ADVICE TO THE GENERAL PUBLIC20:1:05

 

Mr Gregory Campbell Mr Nigel Dodds Mr Jeffrey M. Donaldson Bob Spink Mr Mike Hancock Mr Roy Beggs* 6

That this House commends the activities of those persons and groups dedicated to assisting members of the public get value for money in purchases, insurance, overdrafts and mortgages; and recognises that money saving experts like Martin Lewis at Money Saving Expert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more provides, on a not-for-profit basis, an incentive for ordinary consumers to pressurise large providers and financial institutions to hold down prices to the general public.

 

YOU MAY FIND THIS INTERESTING , ITS IN THE EARLY DAY MOTIONS IN PARLIAMENT ON THE MSE SITE

Link to post
Share on other sites

Hi everyone.

 

I'd more or less given up on Diana Johnson after getting an email detailing her increased workload since the Hull floods(!) but this morning a posh looking House of Commons envelope landed on my doormat.

 

Here's her response:

 

Dear xxxxx xxxxx

 

Thank you for your email regarding overcharging complaints. I have written to the FSA on your behalf. I have made it clear to their Chief Executive my concerns about the issues you raised.

 

I will let you know the response of the (sic) when I receive it. In the meantime if I can be of any further assistance on this, or any other matter, please do not hesitate to contact me again.

 

Yours sincerely

 

Diana Johnson

Labour MP for Hull North

 

What's the betting she gets the same response as the others? I'm thinking perhaps I should drop her a quick email to forewarn her that she may get fobbed off!

Link to post
Share on other sites

Hi crfx250, I dont mind asking my MP for his letter, but how would i word it so as not to insult him??? Any ideas???

 

Bonnie

 

 

ok Bonnie this is what I'd write:

 

Dear MP

 

I am extremely grateful to you for taking the time and trouble to contact the FSA about my concerns.

 

I am, however, very disappointed in their response to you. Thier letter was no more informative than the standard templated response I received when I first contacted the FSA.

 

Moreover, a colleague who's MP wrote to the FSA expressing rather different concerns than mine, received, word for word, an identical letter to yours. And I feel that the FSA should be giving more consideration to the concerns of constituents to their Members of Parliament than merely a bland generic response.

 

I now wish to make a formal complaint to the FSA on this matter and I would be grateful if you would forward me the letter you originally wrote to the FSA, either by post or e-mail.

 

Again, thank you so much for your kind cooperation.

  • Haha 1
Link to post
Share on other sites

Olden - what I'm interested is the letter your MP sent the FSA

 

 

Hello crfx just to let you know I have sent to Jessica Morden, questioning the FSA letter and asking for a copy of her letter to them as you said. Waiting to hear now;)

Link to post
Share on other sites

NOTICE TO ALL

 

 

62 posts removed that are not required anymore, I shall leave posts that provide links to contact sites for MP's. If you have a post removed you WILL recieve a Cagbot message, this is a standard message. Should you have a problem with a post being removed please contact Ja-de or Kenntthecelt via Pm.

 

All of theposts that have been removed from this thread are

here, no posts have been deleted. Thank you.

  • Haha 1
Link to post
Share on other sites

Osborne, George MP-Tatton (Shadow Chancellor)

 

Has replied saying he agrees bank charges are UNFAIR! and it's unfair the banks can have a stay while this is sorted out.

 

said hes going to write to the FSA and the master

of the rolls and forward on the replied letters to me.

 

Thanks George!

Will keep you informed

Link to post
Share on other sites

Osborne, George MP-Tatton (Shadow Chancellor)

 

Has replied saying he agrees bank charges are UNFAIR! and it's unfair the banks can have a stay while this is sorted out.

 

said hes going to write to the FSA and the master

of the rolls and forward on the replied letters to me.

 

Thanks George!

Will keep you informed

 

Thank you, it's very much appreciated.

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...