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- Dubai debt transferred from IDR to J&P
  
  By gigglemal · Posted 2 minutes ago
  
  Thanks Dubai 5 and pk2023 for your replies. I'm still catching up on the threads so it helps to read your feedback, and interesting to see others have ignored paplocs from J&P to no apparent detriment. I read back on Dubai 5's older post also, which was helpful too, especially to see the advice on how to reply/not ignore paploc and how things have panned out since.
- Homeowner - Struggling to now pay minimums on unsecured debt
  
  By Badtimes123 · Posted 4 minutes ago
  
  You do not have to share any I&E information, unless you wish to. Get a separate folder for each account and keep everything you receive. Letter communication only and keep copies of your sent letters along with free post office proof of postage - you will thank yourself later! Good luck
- Plan to be Debt Free - Large amount of unsecured debt. £41K
  
  By RammaLammaEast · Posted 12 minutes ago
  
  Thank you. I haven't spoken to anyone. I am only a couple of weeks in. All OC and no DCA yet. I think most come under mainstream lenders so I am hopeful they will follow the usual path I have read on these threads. It's MyCommunity Finance (Brent Shrine) that I am concerned about but I will be well read up on how to deal byt the time they send a Letter before claim. I will reply to Lendable email and say that I refuse. Once I have my Credit file I will update my post with more detail. Many thanks
- Dubai debt transferred from IDR to J&P
  
  By dubai 5 0 · Posted 14 minutes ago
  
  I was advised to ignore the paploc by a solicitors who said it was a fishing excercise and to answer them would be removing a big weapon in defeating that of time and demanding information within certain limits. im no lawyer so dont know if that makes sense or does not.
- Dubai debt transferred from IDR to J&P
  
  By Pk2023 · Posted 19 minutes ago
  
  We’ve all ignored and I know people who’ve been back for years longer and always ignored and nothing has ever come of it
Our picks
- If you are buying a used car – you need to read this survival guide.
  
  BankFodder posted a topic in Vehicle retailers and manufacturers, January 30
  If you are buying a used car – you need to read this survival guide.
  
  1 reply
  Picked By
  BankFodder, January 30
- Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld
  
  ATJ posted a topic in Vehicle retailers and manufacturers, January 19
  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
  Picked By
  BankFodder, January 24
- A2Dominion - Housing Association property flooding - damning ombudsman report
  
  WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues, August 4, 2021
  Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
  
  161 replies
  Picked By
  WanTToMoveOn, December 24, 2023
- 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, November 30, 2023
  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
  Picked By
  BankFodder, November 30, 2023
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