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    • The funds were taken by eBay, rather than Paypal.  I presume Paypal collects the funds from eBay, and so eBay then sting me for the money.   But either way, before this money was taken from my account, my eBay account balance showed as -£85.  Yes, my bank account has been debited by this amount. eBay say that they are completely removed from the chargeback process, because it is carried out by the buyer's financial institution.  So, conveniently, they cannot help, other than by refunding the chargeback fee of £14. 
    • Perfect, thanks for the detailed response. Once question, do you know how long it takes for the breathing space to get applied? Say for example I have payments due in 4 days and I apply today how does that work? Also, sorry for sounding stupid but what do you mean by default once the breathing space is in place? I mean what does "Default" mean.  After the breathing space is over and I wanted more time, what would happen? I can and will afford the payments after a few months but I just need that breather to sort some stuff out, as I have said I have never missed a payment. Sorry for the many replies but after doing a quick search, correct me if i am wrong. If it then does go into default and it goes to a collection agency am I right in saying they will send many letters and they may consider a claim? and I should only response if an official MoneyClaim is made? Also, If it does go into default does this severely affect my credit score? or will this only be in the case if a CCJ is applied.
    • there isn't one yet use the default mentioned already there. that covers all 3 debts as i assume the PAPLOC is for all 3 debts? dx  
    • a chargeback via a paypal account used in an ebay sale doesn't usually result in funds being sucked from your bank account,  just that you attain a paypal negative balance. as you saying the money was taken by paypal from your bank account without you authorising this? or is it directly the buyers name that is shown? regarding the chargeback but either way you bank account HAS been debited? dx  
    • what solicitor is the PAPLOC from? then just search xxxx snotty letter dx  
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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.
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      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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Check Judgments Online - Trust Online developed by Registry Trust - current at 21.09.2015


ukaviator
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Trust Online has been developed by Registry Trust. The non-profit company which gathers information from six jurisdictions, including the Register of Judgments, Orders and Fines for England and Wales under contract to the Lord Chancellor.

 

All the information held by Registry Trust is now available to the public online for a fee of £8. The database contains over six million registrations, some dating back six years. CCJs, high court judgments, fines defaults, child support liability orders and administration orders are available.

 

Scotland, Ireland, N Ireland, Isle of Man, Jersey court judgments and decrees are on the searchable register.

 

 

 

Check your own record:

 

 

Check the registers for your CCJ, judgment and fine records - Trust Online

 

Check others:

 

Check other people and businesses for CCJs, judgment and fine records - Trust Online

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Just noticed this thread, before anyone gets too over enthusiastic about this Non-profit making organisation just understand exactly what it is.

 

This is an organisation set up by Malcolm Hurlston. The very same Mr Hurlston who set up the CCCS charity which helps so many thousands of people in debt (and a good job they do too ).

 

The Registry Trust as stated above by UKactivator gathers CCJ - County Court Judgment information from all those jurisdictions which the likes of you and me get if we don't pay our debt -AND THEN THEY SELL THAT INFORMATION TO THE SUB-PRIME MARKET BROKERS!

 

I have a business, so I wrote to Registry Trust and posing as a potential buyer of this information asked for a price list. £80,000 :eek:

 

Now these sub prime lenders and brokers (although there are not so many as there used to be post crunch) used this information to send out those flyers you get through the door offering loans, sub-prime loans, because no high street lender will give a loan if you have a CCJ. Just do an SAR on any leaflet sender (or just phone and ask) and you'll see where they got your name from.

 

Once done, the borrowers who are now paying much higher interest rates and as we read on here, suffering tremedous pressures and fees and so on from the lenders get themselves into more debt as a result of these high repayment charges and pop off up the road to the CCCS charity to get help.

 

All not-for profit? The Government pays Registry Trust a Consultancy fee and Mr Hurlston no doubt invoices through his own consultancy a nice fat fee each month too. Still not for profit? £80k for a list of ccj holders? Still not for profit? Yeah, pull the other one.

 

To cap all that Mr Hurlston very kindly sat on a panel of Judges for the Credit Today awards to select the Debt Collection Agency of the Year a few years ago.

 

See how it all works? :wink:

 

Teach your kids to live without debt. It's a rocky road to ruin from the minute they open an account. Control, that's all this is about - they want to control YOU! :mad:

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