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    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
    • Evening all,   So today, I was sent an updated offer that includes the £12.60 I spent on letters, but they have declined to add the interest at £7.40. They have stating 'We acknowledge your request to claim interest to date, however, this would be at the discretion of a trial judge if the claim did proceed to a trial hearing.' I think I am content with this outcome, and pushing this to a trial for a total interest of £15.30 throughout the claim does not make sense to me.   What are people's thoughts? I am sure our courts have better things to concentrate on?
    • FFRSG3424ListofEvidencepdf-V1 2-merged.pdfFFRSG3424ListofEvidencepdf-V1 2-merged.pdf 2pages T&C,s UCM
    • Have to attend the hearing and present evidence of his financial position (income & expenditure) and  statements ,and agree an acceptable payment plan with the judges guidance.  It will be a form of redetermination hearing as already stated.The court will not agree to bailiffs if the financials do not reflect it or assetts are minimal. They just want to determine his true affordable disposable monthly figure....which will not be £10.
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      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.  

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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.
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Anyone want to buy a house?


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...so, anyone?

 

2 beds, detatched, front and back garden, south east coast, nothing but fields behind, and 5 min walk from the sea.

 

oh, and it's got a garage that has been converted into a bar.

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Price?

Is it rentable?

Is it in one piece?

Where are you going?

 

IRO: 200k

 

It is in one piece, recently fully reburbished/decorated AND a new boiler (of course). It's got another garage on the other side and a big garden shed too.

 

I'm going to sell up pay off debts, have a holiday (God knows I need one badly) and rent somewhere. That way I might have some money in my pocket once again.

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good idea i am looking for a 1 bedroomed flat to rent for my daughter who is going to university in preston studying forensic phsycoligy so if anyone in preston or near chorley blackpool lytham contact me by pm thanks good idea guys

patrickq1

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IRO: 200k

 

It is in one piece, recently fully reburbished/decorated AND a new boiler (of course). It's got another garage on the other side and a big garden shed too.

 

I'm going to sell up pay off debts, have a holiday (God knows I need one badly) and rent somewhere. That way I might have some money in my pocket once again.

 

My cousin has property down that way - I'll lask him tonight if he wants another

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I'm going to sell up pay off debts, have a holiday (God knows I need one badly) and rent somewhere. That way I might have some money in my pocket once again.

Wouldn't you be better downsizing if you can, as if you rent you are just paying off someone elses mortgage.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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True, but I'm not bothered really. If I have a mortgage then I'm only making banks richer.

 

I'm having a look around the area for something - sale or rent, but not bothered which.

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I tend to look on a mortgage as paying myself something every month. Okay most of it I'm actually paying in interest to the bank but some of it goes towards increasing the amount of equity I have in the property.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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True, it all depends whats about in my village really at the time of the sale.

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Anyone want a lovely 400 year old granite Cornish house, 4 double bedrooms.

 

Lovely kitchen, fantastic ornate ceiling in the front room.

 

rear garden with decking, moments from the river, loads of beaches within a few moments drive.

 

some of the finest sailing waters in the UK, in the third largest natural harbour in the world!

 

£275,000

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Sounds lovely Crusher, where do you park the Spaceship?

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True, it all depends whats about in my village really at the time of the sale.

 

Or if you like the house and the area - maybe someone could buy as an investment with you being the tennant - so they had a guaranteed income? less upheaval for you.

 

Let you know when i check my premium bonds (some hope:rolleyes: )

 

 

Jan:)

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

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offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Or if you like the house and the area - maybe someone could buy as an investment with you being the tennant - so they had a guaranteed income? less upheaval for you.

 

Let you know when i check my premium bonds (some hope:rolleyes: )

 

 

Jan:)

 

I actually just seen an advert on TV last night for a company who buy property from you, then you stay on as a tenant, you get 100% of the market value with min 80% up front apparently. You then stay on and pay rent. Might be worth looking into, unless of course you are looking for a clean break and change of scenery.

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I looked at those, but they only guarantee that you can stay there 6 months, and then you are out...generally.

 

There was a BBC report about it.

 

No, I think I'm going to sell up, use some of the dosh to do the other house up and sell that too, then go and work as a petrol pump attendent or similar.

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Snort. I was thinking I might become a disposable lighter repairman, seeing as petrol pumps are pretty much all self-service these days.

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Personally I dont think renting is such a bad idea .

You pay you weekly or monthly rent and therefore have the security that if something goes wrong with the house it is not you who needs to foot the bill or make an insurance claim.Also if something goes wrong ie jobloss,relationship breakdown etc. you simply hand in your notice and relocate.

Trish:)

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Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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That's what I'm after, plus I only have to do the job I'm doing (and I got bored with this after 10 years, five years ago), because it's the only thing I can do that brings in enough money to pay for the house(s), so without them I'm free to retrain, or simply go and be a petrol pump attendent.

 

I'm fed up with earning a decent wage, and always having no money.

 

This seems to solve all of those problems.

 

Plus, with the luck I've had with houses, I want it to be someone elses problem WHEN they go wrong.

 

I've had 2 boilers go and flood the house, the last one burnt part of it too, the electrics went at one point and all had to be done again, the list is endless over a 7 year period, so I think it might be for the best.

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

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I thought you were trying to sell this house Dave!? :eek:

Abbey - *SETTLED IN FULL!* ;)

-£445 refunded after one phonecall

HERE

 

Lloyds - Reclaiming Charges ***WON!***

-09/05/07 - Prelim delivered

-22/05/07 - LBA sent - no response

-11/07/07 - Filed at court

- 26/07/07 - Full settlement offer!!!! Donation made ;)

HERE

 

Next - Trying to Sue us with no agreement! :lol:

-29/06/07 - Defence filed

-16/08/07 - AQ filed

-19/09/07 - Claim struck out!! :p

HERE and continued HERE

 

PLEASE CLICK MY SCALES IF I'VE HELPED!

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That's what I'm after, plus I only have to do the job I'm doing (and I got bored with this after 10 years, five years ago), because it's the only thing I can do that brings in enough money to pay for the house(s), so without them I'm free to retrain, or simply go and be a petrol pump attendent.

 

I'm fed up with earning a decent wage, and always having no money.

 

This seems to solve all of those problems.

 

Plus, with the luck I've had with houses, I want it to be someone elses problem WHEN they go wrong.

 

I've had 2 boilers go and flood the house, the last one burnt part of it too, the electrics went at one point and all had to be done again, the list is endless over a 7 year period, so I think it might be for the best.

 

 

Totally with you with regards to never having any money just for the sake of paying for a house.

Renting is the thing to do in my opinion and the thing about having a mortgage ?? Well I'd rather have the security of being able to pack up and go and that repairs and all that comes with it wont affect my wallet.

As for selling your house(s) Dave ,I'm sure going by the description,and providing your boiler probs (lol) have been sorted you'll have no probs !!;)

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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Ha - yes the boiler problems are all sorted - so it'll be quite some time before they go again I would have thought.

 

Thanks to the last time though, the whole house has been referbished - was completed last Oct.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Ha - yes the boiler problems are all sorted - so it'll be quite some time before they go again I would have thought.

 

Thanks to the last time though, the whole house has been referbished - was completed last Oct.

 

 

So while all is well,get it on the market quick before something else goes wrong..... lol ( sorry couldnt resist...) :p

If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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