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    • Apply for an HM Armed Forces Veteran Card   An HM Armed Forces Veteran Card is a way to prove that you served in the UK armed forces. The card can make it quicker and easier to apply for support as a veteran. It’s free to apply. You can currently only apply for a Veteran Card if you have a UK address. Veterans who do not have a UK address will be able to apply later this year. READ MORE HERE: Apply for an HM Armed Forces Veteran Card - GOV.UK WWW.GOV.UK Apply for an armed forces veteran card to prove that you served in the UK armed forces.
    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
    • totally immaterial. time to now start reading up. Programmable Search Engine (google.com) Clickme^^^ do not miss your defence filing date no matter what dx  
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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
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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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Is Northern Rock your highest % of debt? I can't see how payplan can predict what they will ad won't accept. Turning unsecured borrowing into secured by remortgaging is not usually a good idea and Ifrankly horrifeied that payplan have started advising this, - would you like to post some more details of your total debts and who you owe them to here, so we can maybe advise furter.

Consumer Health Forums - where you can discuss any health or relationship matters.

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I've had a look, and i am guessing that you would be off snowballing these as you have a high income - Have you done an income and expenditure with paypaln - what does your monthly surplus come out at after you have paid essentials - have you tried a 0% balance transfer for the tesco card?

I think you will be better off looking at what you are spending each month, and seeing how you can tackle the debts as they are - borrowing more will cost you dear in the long term and you don't have enough equity to clear them all in one go.

If you have a proper budget I bet you could with a few changes save that £200 a month and clear them your self.

Consumer Health Forums - where you can discuss any health or relationship matters.

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You might be able to delay a payment by putting the accounts into dispute with CCA requests & SARs - enough to get things straight

 

I agree that re-mortgaging sounds like bad advice

 

What about agreeing payment plans with your creditors yourself, try for getting interest reduced / frozen.

Complete the income & expenditure spreadsheet & see what you can afford; offer pro-rata payments to your creditors - be prepared to tell them what your total debts are and that you will be making the same offer to all of your creditors.

 

Grumpy

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As it stands today I have £445 a month left after paying all my Direct Debit bills (including utils) - this £445 would be for food, fuel, emergencies etc. Done the full income and expenditure with payplan (I will give them there due, very thorough) - they tell me I have £890 for my creditors - which as I said is only £100 or so less than I pay in full now. Given my income I think they are all going to hound me so I think I stand little chance on my own. Perhaps I am being selfish and £445 is acceptable for food etc?? However, because of the nature of my job I spend £60 per week on petrol alone (realistically I need £800 per month after bills) - so you can understand why I am feeling the heat. I am told remortaging is a common recommendation from Payplan for people in my position (i.e. high debts but decent income). Perhaps 75k of debts is not as rare as I thought! My option at the moment is to remortgage a little over half the debt which will save me around 250 per month and work on clearing the rest.

 

how many people are there in your household? £75k isn't *that* rare at all. I spoke to someone the other day with over 4 times that.

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I have a friend who got a low interest loan from his life insurance company in a similar situation to yours.

 

Ok, the life insurance was worth less for a few years, but it got him out of his hole.

 

Might be worth an enquiry

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