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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
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    • If you are buying a used car – you need to read this survival guide.
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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 
      • 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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DEBT Collection Agency of the YEAR Awards


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Sounds a bit like The Fred West Family Values award.

 

Still, they have to have something to celebrate, particularly as more and more people are learning their rights, and the scare tactics of these outfits is starting to fail.

 

I used to work for a DCA (Equidebt, the ethical debt collection agency... laugh to yourself please) and I have seen how they operate, I should imagine the event would be a hoot... bobing for apples, and getting shafted as you do. Who's up for it

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DJDave - I would be more than happy to share, although I will have to watch what I say because I imagine the CAG modorators would be concerned about some of my comments. I have seen some very bad practices (not only by Equidebt, but thier clients). however, I do not think 'laughing' at the alledged debtors problems really classes as ethical. Also quite how they background check migrant workers (even if Mr Mosivich, one of the founders is polish himself) to operate in such a sensitive company is a little beyond me (and no, I am not against polish workers... We have some very good honourable people from Poland, but we don't need to background check them for our line of work as it is not in the same sensitive area). So what would you like to know abotu them?

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You should be aware that DCA's, Bank, Credit Card firms have people log on to this site. At least he was honest. I was asked to do it secretly to 'find out what information is being brought to the attention of the wider prospective debtor audience'.

 

Still, to CT Editor - If DCA's are all above board, and have the right to do what they do,why the secrecy? Why the stealthy tactics to get people to pay (often more than they can afford)? Be more open, make your clients pass you the correct information (to barclaycard, prefferably encrypted and not over public email to large groups) including CCA's etc. Perhaps when you learn to respect people, you too will have respect, along with the right to win 'awards'

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what would it be worth to have a link to CAG / Similar Forum included with the initial red letters (or whatever colour letters they have now) sent by DCA's. Does anyone know how tempting it was when i was with equidebt to do this?

 

They had awards of thier own, with strange titles like the 'Mossie Motivator', basically, be rewarded for the number of people you sucker in. Ethical huh.

 

I am in the process of writing to the banks and credit card firms, as well as DCA's. I like the 'Worst bank, Worst dca, dirtiest trick, Poorest service etc ' awards. I will share replied with the group, although i don't imagine it will be much of a read. they probably all think they are crap enough towin outright anyway!

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Lets bring these **** down. I cannot post the evidence on the site (as some of it contains personal account details of thier debtors, and unkile barclays bank and the dca in question i value the privacy of the individual) but I used to work for a DCA. i'd like to hear from anyone who has had 1 phone call after the CCA request and subsequent default, or harrassment following requests for this not to happen from either of the following: mercers or equidebt.

 

i have some ammo already against these 2 outfits, but want a little more. we can them make a report to the oft, and try and get these 2 kicked into touch. let's fight back, not winging on a forum, but lets really start using the same Consumer Credit Act that they use to threaten against them. it really is time to show these cowboys that they can either respect people, or suffer.

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