Campaign to the OFT against unfair CRA practices.

[SURFBOY]

You can count me into any action against CRA's.
Has anyone thought of bringing any of the CRA's practices to the attention of the media?
Or would the media even be interested?

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[veester]

pt2537 et al.

That was hilarious re wikipedia.

Also for lawstatues simply try this link (ever law is here) - very easy to search and filter on CCA; i used it in my complaint against SLC
Home - Statute Law Database

On another note, what i find a bit galling is that

a) you request a credit file
b) note something bad
c) get it amended - usually takes 8 weeks or more.
d) then have to pay again to verify its done - surely the company who has mucked up should pick up the tab for the 2nd report???

While i appreciatte the company in question might complain, on track record and for peace of mind you need to check

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[pt2537]

Originally Posted by veester

pt2537 et al.

That was hilarious re wikipedia.

Also for lawstatues simply try this link (ever law is here) - very easy to search and filter on CCA; i used it in my complaint against SLC
Home - Statute Law Database

Im glad it amused, a QC who was my tutor said that exact phrase when a student on the same course as me submitted an essay where all of the authorities he was citing clearly came from Wiki, i nearly wet myself when he came out with that comment

statute law is good, but it fails to provide regulations which are made under CCA

apart from that it is a cracking resource as is BAILLI British and Irish Legal Information Institute is you need case law

fortunately, i supplied many of the CCA regs and they have been uploaded in our statutes library

regards
paul

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[finlander]

While Wiki can be a useful tool, to use it to quote legislation and more worryingly Natural Justice is just bonkers

can you imagine going into court and hte judge says "What authority are you basing your argument on Mr Finlander"

You say "Wikipedia sir" , youd be laughed out of court

If you want info on natural justice and constitutional law, look for information from A.V.Dicey or Francis Bennion these are sources i would rely upon

just putting my 2P

thanks for that.... I didn't realise that this forum was a court or of course I would have brought my law book........I simply used it in response to the question 'what is natural justice?' in a previous post. Are we saying that it doesn't exist then? If so I think that would surprise the majority of law commentators who recommended that Dwayne Chambers should have used it as the basis of his arguement against his olympics ban and would certainly have had more chance of winning.

[pt2537]

No, dont be silly, im not saying natural justice doesnt exist,

but if you are au fait with the principles of the Rules of Natural Justice , you would know that Dicey is the authority which any practitioner would cite as a solid source

all i say is that wiki is an untrustworthy source where legal matters come to the fore

i much prefer to use these sources for explanations as they are accurate especially where law is the issue

of course, if you really want an authoritative source of the Constitution and Natural Justice i can forward you Halsburys Laws of England ADMINISTRATIVE LAW (VOLUME 1(1) (2001 REISSUE)) that will give you the definition of Natural Justice which is accurate and relied upon and admissible in a court

[babybear39]

Can you do my law essay for me please if I forward you my copy of McNae's pt2537 lol...

[pt2537]

Hi BB,

i submitted a 30,000 word essay on the Constitution a while ago and it achieved 96% so if you need any help, i am sure i can help

[babybear39]

I was kidding pt2537 Done half of it and plan to tackle the rest Saturday and Sunday. It's a first try at a mit. circs. essay as I was very ill just before xmas Already got 100%, 72% and 60% fir the rest of the module

[pt2537]

of course, journalism is not something im tooooo au fait with but im a fast learner so im sure i could pick it up quickly, plus i know a few good media lawyers in my contact lists

[babybear39]

Ooh, that could be handy

[finlander]

ok so the original idea was for us to post up the arguement and get some peole to play devils advocate and see what the holes are... well the arguements been posted any one want to start the ball rolling........

[redsue]

count me in with this - I've added this in my signature to try and spread the word as I'm sure there are 1000's on this site who would join the fight

Campaign to the OFT against unfair CRA practices - add your support here

Campaign to the OFT against unfair CRA practices.


I HATE MBNA

[citizenB]

Originally Posted by redsue

I HATE MBNA

So do I

[star_scream]

Originally Posted by rippedoffagain

This would seem to be a good idea, and I would certainly participate. May I also suggest that anyone who does write to the OFT also send a copy to their MP.

Done it earlier this year. MP's aren't interested. They refer you back to the FO This was from Kitty Usher, the sec for the treasury. All complaints of this type will be sent to her.

From her web site:
Kitty serves as Economic Secretary to the Treasury, in Gordon Brown's new Government, meaning that she is responsible for matters involving banking and finance, and is also involved in taxation as it impacts on these areas. In addition, she advises on economic policy and works with other treasury ministers on the Comprehensive Spending Review and finance bills.

[star_scream]

But would it not be better to start a campaign against the financial institutions? The CRA's are only taking their word until proven wrong.
I would have thought it was better to hit the shysters that default us in the first place, abusing their power.

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[rippedoffagain]

Originally Posted by star_scream

Done it earlier this year. MP's aren't interested. They refer you back to the FO This was from Kitty Usher, the sec for the treasury. All complaints of this type will be sent to her.

From her web site:
Kitty serves as Economic Secretary to the Treasury, in Gordon Brown's new Government, meaning that she is responsible for matters involving banking and finance, and is also involved in taxation as it impacts on these areas. In addition, she advises on economic policy and works with other treasury ministers on the Comprehensive Spending Review and finance bills.

We are fast approaching an election, MP's in marginal seats may feel it worthwile representing their constituents.

[thecteam]

why not just hit all of them at once. instead of just the cra's you are right.
but the CRA's are the ones that hold all the info. much easier and a bigger target. if these get questioned. the whole lot will be questioned. and so the high stacked players will fold there hands. even if they think the river might save them.

i dont have a problem with them keeping a file as long as it is all within the rules and regulations. im not allowed to break the law. your not allowed. we are not allowed.

but these lot can. why because they dont care who it affects in life. they are making money. thats all there is to it.
money brings power, power brings greed. greed breeds more greed. till it just pushes to far. then they become fat gluttons. and gluttons explode just like on monhty pythons the meaning of life.

its time for everyone that uses there vote to think on there feet and question the practices of these and others like them. start at the top. no point in hitting the bottom not with this lot. there defenses get stronger.

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[star_scream]

But if we hit them at source ( Financial inst) that would stop them defaulting us.
Bit like hitting the drug pushers to stop the spread of drugs. If you target the people who buy drugs, the pushers will just keep supplying. You need to hit the source to stop it.
I would have thought hitting the big boys to make them stop abusing the system would have been far better.

[star_scream]

Originally Posted by rippedoffagain

We are fast approaching an election, MP's in marginal seats may feel it worthwile representing their constituents.

With the greatest of respect riped, I don't think the MP's will give a to** about our plight, seats or no seats. They are losing them fast without us

[finlander]

ok... well my 2p worth is this... send a letter to your MP, the OFT and the Kitty woman..What harm can it do? MPs will do nothing . That is unless they start getting thousands and thousands of letters. So lets give them that.I also think that it's better to have a template letter/poster as it means they get the idea that someone is behind it and they won't go away with a standard fob off letter.

It does work. Remember the road pricing petition? That killed that off. I have sent in a e petition request to 10 downing st's website and am awaiting confirmation it has been posted . when it has I will give you the link. The last petition on there against CRA's got 19 signatures!!! For heavens sake we can do better than that.

The reason why we go after the CRA's is to cut off the problem at the head. Banks can default you as much as they want and it's no good if the CRA won't register it. They offered this service so should be made responsible enough to run it. Going after every bank is again allowing things to get confused and bogged down. IF the CRA's are made to check defaults the banks will soon fall into line............

We need alot of people behind this . No one can force this on their own.

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