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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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      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.

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Virgin media £8k Voip fraud


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Hi all

I was a virgin media customer for years before someone manages to hack into my connected sipura voip modem device making it dial prem rate numbers and ran up a bill of £8000 in a matter of 3 days somehow bypassing the credit limit on my account.

I have sent an email and called vm to try and sort things out to no avail Vm have made us responsible for the bill blaming the third party device and saying I shouldn't have had a third party device on the line?

 

Somehow I think that vm are not telling me everything and that it could be someone inside vm that was the person who made the calls how was my credit limit bypassed?...

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Simply refuse to pay it

Stuff all they can do to tou

 

No harm in reporting it to actionfraud either

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi and Welcome to CAG

 

How do you have a credit limit with VM ?

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thanks for responce...

I have been in contact with action fraud.

... loved my vm connection and would love to get it back.

...i just wish vm would take it to court as it's been passed around different debt Agencies...

would like to get this sorted so we can get vm connected again...

 

Vm have a had max credit limit on my account to stop very large bills...

 

even the person at Vm fraud team said he did not understand how the bill could get that much without alerting me that something was happening,,

,£8000 in 3 days thats a lott!

 

looking at my bill its numbers is nigeria and some other numbers that the person prob owns and he calls them to make ££££

 

the same thing as the dialers in the dialup days but this was not a dialup modem.

it was a sipura spa-3000 a voip gateway device..

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even the person at Vm fraud team said he did not understand how the bill could get that much without alerting me that something was happening,,

,£8000 in 3 days thats a lott!

 

.

 

 

Presumably you didn't record this. Read our customer services guide and implement the advice there. Then have further phone calls and see if you can get someone to say broadly the same thing – but this time recorded. Then I think you have a basis for a good case.

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So was your VoIP account with VM?, Normally the VoIP modems just use the data side from your BB provider and you pay someone else for using their VoIP service.

I would have thought the bill would be from your VoIP provider?

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Isn't the Spa-3000 a PSTN/LMCE/Asterisk gateway, rather than VOIP? So although connected to your network, it still uses the PSTN line to make calls.

 

 

If this was a call to Nigeria, standard VM rate is 168.51p/min. So assuming that it didn't get cut off, or it re-dialed each time it did.

 

3 days is 4,320 minutes.

 

4,320 times 168.51 is 727,963.2p or £7,279.64p

 

 

But that doesn't answer the question of how it seems to have busted through the cap that you had on the line/credit limit on the account. The only suggestion I have for that is that it wasn't properly applied by VM. So VM are going to have to swallow it.

 

 

 

As for being told by VM that you should not have connected it. Their standard terms & conditions do not exclude attaching your own equipment to theirs (although not replace their actual modem (which you didn't)), the only mention of it is that they will not guarantee that it will be compatible, so that's a non starter as a get out for them as well.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Isn't the Spa-3000 a PSTN/LMCE/Asterisk gateway, rather than VOIP? So although connected to your network, it still uses the PSTN line to make calls.

 

 

If this was a call to Nigeria, standard VM rate is 168.51p/min. So assuming that it didn't get cut off, or it re-dialed each time it did.

 

3 days is 4,320 minutes.

 

4,320 times 168.51 is 727,963.2p or £7,279.64p

 

 

But that doesn't answer the question of how it seems to have busted through the cap that you had on the line/credit limit on the account. The only suggestion I have for that is that it wasn't properly applied by VM. So VM are going to have to swallow it.

 

 

 

As for being told by VM that you should not have connected it. Their standard terms & conditions do not exclude attaching your own equipment to theirs (although not replace their actual modem (which you didn't)), the only mention of it is that they will not guarantee that it will be compatible, so that's a non starter as a get out for them as well.

 

Yes - It connects to both the router and the PSTN socket on the wall. Because calls are dialled in - Mobile to the gateway where it then dials out over the internet to permit cheap calls.

So technically it is a PSTN Gateway but also does use VOIP. Im guessing that someone hacked into the box and busied up the landline for a few days constant dialling to Nigeria of all places.

 

Tollfraud is a nasty thing. If they have Telnet'd into your VOIP Gateway... They can make some funky things happen!! :/

 

As for VM well... Difficult to say. They are technically not liable for it as was a 3rd party gateway. However you would think tthat their Tollfraud teams would have picked something up and also why didnt the credit limit kick in and bar the line?

 

Nigeria is classified as a high risk country - VM should do more - Have you emailed the CEO?

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I knew you'd know. :lol: Thanks for the much better explanation than I could manage :thumb:

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Thanks fko

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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