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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
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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.

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      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.

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    • 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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Intrested to know if anyone has ever used the human rights act to protect themselves from baliffs and was that sucessful. The part of the act I am looking at states.. The right to peaceful enjoyment of possessions and respect for your privacy, family life and home. It would be good to have people's views..

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its been debated to death over the years.

 

HR law does say we have right to peaceful enjoyment but. Its a similar argument all over UK legislation where laws contradict each other.

 

The only way to find out whether laws are in a conflict, a Judicial Review is the way to go, but getting one costs money - and lots of it! It is therefore no use having such laws when they are not available to the majority of us due to lack of means, and burden of risk lies with the accused. Hardly the basis of the British aclaimed 'fairest justice system in the world'. These are the main areas a bailif works:

 

Council tax is fairly unique to Britain, its a levy on households whereas local taxation elsewhere in the world is based on income. This penalises low-income households and creates a market for bailiffs in council tax enforcement on persons who dont have the money or the brains to complete a claim for a rebate from an automatic statutory liability irrespective if income.

 

The solution? a local income tax (Germany) or local sales tax (Canada).

 

Child Support is based on a working parents income - regardless of the needs of the child. And the UK provides tax credits for working parents then intentionally deprives them of tax credits if the parents live apart. It is therefore a tax on absent working parents. This results in working parents joining the hidden economy, or they sign-on. Work doesnt pay and their incomes are taxed twice.

 

The solution? - Introduce tax credits to all working parents (the EU except Great Britain).

 

Motoring - big bux biz for bailiffs, traffic and parking penalties are fixed irrespective if the driver's income, many low income drivers are unfairly penalised and they do not register their vehicles while others just pay £40 and wal away.

 

The solution? Ditch the £40 fixed penalty and make the driver do one hours unpaid work (formerly community service).

 

Consumer and private debts, every economy has debt but bailiffs are only good if other enforcement has failed, charging order, 3rd party debt order, atachement of earmings or bank account. If all this fails, a bailiff isnt likely to succeed because he cant take what the debtor hasnt got.

 

The solution? excercise better care before giving out credit in the first place. Prevention is better than cure.

 

Criminal fines, Courts can fine a person for his crime, but what is the point when the criminal is on prescribed benefits? If the criminal doesnt have the money to pay then he will commit another crime, sign-on again or bailiffs can try and take what he doesnt have.

 

The solution? - make him do unpaid work & fit an electronic tag (Sweden)

 

 

Thats my 2p.

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You write to your MP outlining the problem and suggest the solution.

 

You can also lobby the organ grinders, the legislators that make things happen. Lord Lucas is known to be sympathetic towards vicitms of bailiffs.

 

http://www.theyworkforyou.com/peer/lord_lucas

 

http://www.theyworkforyou.com/peer/lord_bach

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