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    • now owned by Kensington  prime credit 5 was a luvy co. along with alpha credit 5 their uk portal was thru prime credit,  loans were administered on their behalf by Acenden, Acenden are Part of the Kensington Group. ultimately these were mostly all sold to Coast  have a look at post 8 here Trying to find contact details for prime credit 5 S.a.r.l - Welcome Finance - National Consumer Service  
    • Really? I don't think we would have known.
    • matters no they know it early as it twill be a bland generic defence nothing specific. Lowell claimform - old Talk Talk landline/broadband debt - Financial Legal Issues - National Consumer Service    
    • 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  
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    • 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
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Hi,

I am new to this site and I wanted some advice on how to go about an issue.

 

I have just looked at some few threads and seen some similar situations.

 

My wife and I leave in our flat and occasionally/rarely previous occupants letters do come to our address.

 

I did speak to our Landlady regards to what to do with the letters of previous tenants and we were advised to bin them as they were probably junk letters.

 

Recently we decided to open one of the letters as we wanted to be sure our address was not used by some other person

as a couple of letters had come in for a particular name(If it was a previous tenant/occupant,I am not sure).

 

The letter stated it was a distress warrant to visit and collect a sum of £395 from our address.

 

We dont know how that may have come about as we do not have any knowldge of who the person is.

 

I have read different threads/suggestions to show a form of ID with a council tax or utility bill when they arrive at our flat

but some others have advised not to do so as my information may be taking and then the warrant may be sent in my name(is that possible?)

 

or they may not listen to me but still want to collect the money or goods.

 

What are our options?

 

How would you suggest I go about this issue?

 

I await your suggestions.

 

Thanks

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you can open any mail sent to your address, it is a common myth that you cant, only if your doing it for fraudulent reasons you can be done.

 

the warrant will be issued for the persons name at that address, your not that person so it CANNOT be changed in name to yours, the courts have no interest in you, you have not commited the offence,

all you need to do is what it says on the reverse of the letter, send either an email with a scan of your council tax bill to the email address stating when you moved in and that will be the end of the matter.

 

a report goes back to the court as a new occupier, the court then cancel the warrant for the name on your address and the court then start more tracing of the person they are after.

their is no need to be afraid or scared if your not the person named on the warrant

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If you have a TV Licence in your name, and the Collectica numpty turns up show it to him, and whisper in a Jedi Manner, "I am not the person you are looking for go on your way"

 

No seriously show some ID that shows you at that address and tell them you are contacting the court that you don't have any forwarding address. The warrant will be in the name of the debtor, and he cannot insist you pay, exactly as sgtbush has explained.

We could do with some help from you.

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If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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