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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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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.

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      This is good ethical practice.

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Credit unions - a realistic alternative to payday loans and high street banks


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Credit unions have been around in the UK since the late 1970s and are a form of co-operative and self help organisation. They were set up to offer low-cost loans of smaller amounts for people who couldn’t get affordable credit, or who were using doorstep lenders.

 

Sadly, they are an underused resource, but they are a realistic alternative to payday loans [PDLs] and loansharks. As they are not profit-making, their rates are much lower than other high street lenders or PDL companies.

 

There are 400 to 500 credit unions in the UK with almost a million members. As well as low-cost loans for smaller amounts, some now offer current accounts, savings and mortgages.

 

Who can they help?

 

Whilst the main aim of credit unions was to provide affordable loans to people who can’t get help from the banks, nowadays they also appeal to people who want to bank with an ethical organisation and benefit their local community.

 

And because their rates are attractive, credit unions are becoming a popular form of affordable borrowing.

Any member of a union can apply for a loan.

 

How do I find a local credit union?

 

The ABCUL website has a search facility to find a local credit union. Once you find one near you, you will still need to check the rules to make sure you are eligible to be a member.

 

http://www.findyourcreditunion.co.uk/home

 

There is also a helpline on 0161 832 3694..

And your local librarylink3.gif or CAB may be able to help.

Who can join?

 

Each union will have its own rules, but generally you will need to live or work locally, or belong to the same employer or organisation as other members. For example, the NHS participates, along with some transport companies, trade unions, churches and other organisations.

 

From 2012, organisations as well as individuals are allowed to be members of credit unions.

 

What is the least I can save?

 

Credit unions will let you save as little or as much as you can afford when you have money to spare, weekly, monthly or more frequently.

 

You can make deposits at your local credit union branch or local collection points like shops, or have money deducted from your wages or by direct debitlink3.gif from a bank account.

 

When you save, you know you will be helping neighbours or colleagues, rather than helping to make money for shareholders. And at the end of the year, your credit union aims to pay out a dividend on your savings, depending on how well the union has done. According to ABCUL, this can be up to 8% of what you’ve saved.

 

Many credit unions include Life Assurancelink3.gif at no extra cost.

 

How do I get an affordable loan and how much can I borrow?

 

Loans are usually available up to around £3000. To borrow, you need to be a member of the credit union. They will take into account your circumstances and make sure you can afford the repayments.

 

Life assurance should be built into the loan at no extra cost, so if someone dies owing money, it’s paid off by the insurance.

 

What will it cost?

 

This calculator helps you work out how much it might cost to repay a loan, although you would need to check with your local union. The most a credit union is allowed to charge is 26.8% interestlink3.gif, compared with 4000% for some payday loans!

 

http://www.abcul.org/credit-unions/b...a-credit-union

 

Can I pay the loan off early?

 

Yes, there is no charge for this.

 

If I invest, can I lose my money?

 

Your money is protected in the same way as other savings, by the FSCS [Financial Services Compensation Scheme].

 

http://www.fscs.org.uk/

 

Credit unions are regulated by the Prudential Regulation Authority and the Financial Conduct Authority [FCA].

 

Where do I find out more?

 

For other information, here is a link to the ABCUL website. Or contact your local credit union.

 

http://www.abcul.org/home

Illegitimi non carborundum

 

 

 

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CAG member Dodgeball has kindly agreed to let me post what he has written about credit unions from the point of view of a volunteer.

 

"Many of the smaller credit unions are being combined these days, six of the small CUs (membership less than 5000) have recently combined to form a larger more efficient unit, in my local area

 

But there is a cost to this, many argue that the strength of the CU lies in its approachability, people used to come in for a chat and a cup of tea whilst making there weekly investment / payment, you would be able to help if some problem was looming for them, a bit like an extended family, severe arrears were rarely a problem because everyone new everyone else, this is all changing now.

 

CU's at there best are far more than just a bank, they can be provide an holistic service to the member and his finances, encouraging not only better financial management but also involvement in the community.

 

Like most volunteers I spent some time chasing arrears and I have to say that debt collecting for a CU is a completely different experience to what you would expect, and explains perhaps what I mean by holistic. In many cases you would come away from the member after giving additional finance, the only way of getting them back on track was to lend them enough to pay some other higher interest loan, can you see a bank doing that.

 

In Ireland CUs have been more like mainstream banks for some time, and issue mortgages, the largest CUs in this country used to be the Police force, I believe.

Illegitimi non carborundum

 

 

 

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I've been a member of my local Credit Union for over 10 years, they have helped me out a number of times when things are hard.

I can borrow £500 from my Credit Union over a one year period, paying £12.50 per week.

£10.48 going towards the loan and £1.66 towards savings.

 

(The above is based on having savings of £250 in my Credit Union Account, thereafter, once a good payment record has been established, I can borrow up to 4 times the amount I have in my savings account)

 

Total interest for the loan = £63.50

 

Total Interest for a similar Provident Loan over the same one year period would cost £410 in Interest.

 

Like the majority of Credit Unions you have to be a member and have saved for a minimum of 3 months.

 

Most Credit Unions are (not for profit) organisations, run to serve the local community and help them avoid high interest rate lenders who prey on those who can least afford it.

 

Credit Unions also provide free life cover so you can rest assured your family will not be burdened if anything happened to you, as your loan will be cleared and shares doubled and paid to your estate.

 

Here are some examples regarding Pay Day Lenders.

(sourced from the internet on 15th February 2013)

 

Payday UK

 

Borrow £200 and pay back in 30 days - interest charged £50

The same loan with a Credit Union would cost £3.94 in Interest

 

WONGA

 

Borrow £200 and pay back in 15 days - interest charged £29.59

The same loan with a Credit Union would cost £1.97 in Interest

 

Quick Quid

 

Borrow £200 and pay back in 30 days - interest charged £50

The same loan with a Credit Union would cost £3.94 in Interest

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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  • 2 weeks later...

 

From this August, Glasgow City Council will deposit £10 in a community credit union account for every new secondary school student - up to 6,000 young people every year.

 

Over time, this will ensure that every young person in the city has access to a dependable, responsible option for savings and money advice.

 

Read more: http://www.glasgow.gov.uk/index.aspx?articleid=10084

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The Archbishop of Canterbury has vowed to put payday lenderslink3.gif out of business by using the Church to build up Britain’s network of credit unions.

 

The Most Rev Justin Welby has told Errol Damelin, the founder and chief executive of Wonga, about his ambition to make the controversial lenders redundantlink3.gif – by helping the 500 financial co-operatives, which already provide small loans to their members, play a much bigger role in helping people with money problems.

 

The Church of England has already set up a credit union for its own staff, which will advise the other co-ops on how to expand their reach.

 

http://www.independent.co.uk/news/uk...y-8730839.html

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