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    • I was due to settle on my new house last Friday , with deposit already paid and mortgage in place. However at the last minute the sellers solicitor has confirmed there was a 2nd mortgage taken out on the property by the previous owner. I therefore can't buy the property until they know the debt was paid. the company was Welcome Finance and the debt was sold to Prime Credit 5 Sarl. No one can find contact information for them to confirm that there is no outstanding amount due. Both my and the sellers solicitors are looking into this but coming up blank so far. can anyone help as we are all ready to move and this has completely set us back. All help and advice very much appreciated.  
    • I wonder how many republican mega farms etc are being raided? (also note the 'slavery option)   US farm workers on Ice raids in the fields: ‘hunted like animals’ | US immigration | The Guardian WWW.THEGUARDIAN.COM In the latest installment of a series on undocumented workers, farm workers explain how fear has ripped through their communities after raids  
    • I have looked for similar threads using your link and Google search here but cant find much with defences. Is there something I'm missing dx? Letters all sent for now and my first draft defence written which I will show closer to the filing date.   Do many of these DCAs read this site? Just curious so they know your defence etc early?   Thanks
    • stayed. dead at present. if it remains that way for months then could cost the claimant £100's more in fees to lift the stay. dx  
    • Student banking deals are ramping up as banks fight for university-bound customers.View the full article
  • 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
      • 162 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
        • Thanks
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On the 29th december my boyfriend sent a letter (along with a loa) to barclay card offering a one off payment of almost half the amount i owe (about £2900) if they write off the rest before i pursue a Debt Relief Order. I lost my job in November and am now a student so have no income so it seemed it was worth a chance as my boyfriend will pay the amount offered.

 

However I have never had a reply from them and last week my boyfriend rang up to be told that they hadn't recieved the letter (though i seriously doubt that) which we sent to the London address. He was told to fax it to them (and given a number to fax it too) which he did and call back a few days later when it would be on the system which he did and was told they still had not recieved it. He sent it again and today I called and they are still saying they have not got it. We only have numbers for an indian based call centre which I think is part of the problem though I still cant understand why there is no record of it when we have definately sent it the place we were told.

 

At the beginnig of this month I had a payment due which I deliberately did not pay as I was hoping to hear back from them. Since then I have recieved 67 calls to my mobile in the past 12 days and a similar amount to my house phone (surely this is harrassment?!), when you answer its just an automated message asking me to call a number to pay. After ignoring them today I finally cracked and rang and got through to an Indian call centre and got no information when i asked about why I had not had a response (and tbh I could barely understand the advisor and probably vice versa).

 

So now I have no clue what to do next as I dont seem to be getting anywhere. My boyfriend is writing a letter saying that they must respond within a certain amount of time or they have to pay compensation but I have a feeling they will ignore this one too.

Does anyone have any advice about what I should do? Does anyone have a number for a department based in the U.K?

 

Any help would be most appreciated!

 

Thanks

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Hi Charlic,

 

Send the letter offering to settle the a/c to the address on your statement but use Recorded Del'y.

 

When was this a/c opened aprrox. If may well be worth sending off a CCA request for the a/c.

 

See here - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

:)

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