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About Ibsys

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  1. I know there has been a lot of trouble with Concentrix. My daughter had a demand back for tax credits and she got out of it, never paid it back. I think there was a rule about if it was their mistake it made a difference but I don't know exactly what it was. I make it a rule not to deal with third parties nor pass their "security" as I have no contract with them (contract law). beyond that I don't know the answer. In a dispute I always ask for full accounting and terms and conditions, what laws are they using. Do everything in writing. I sign everything "without prejudice" and write that
  2. Talking about cash, try "abolition of cash" on Google. Money Week "The Indian government has removed from currency 1000 and 500 Rupee notes and put a limit on ATMs of 2000 Rupees Chase Manhatten, in half of their branches they neither accept or pay out cash and car loans, credit card bills and mortgages cannot be paid in cash, David Cameron has told Police that if anyone is carrying over £1000 they demand to know where the cash has come from and if it cannot be verified they will confiscate it (Professional Builder) Bank Of England hasn't printed any £50 since 2015 In Franc
  3. This latest thing with diesels and charging extra for parking etc, what about those with light commercials, as in Ford Transit, full of tools going to customers homes and premises. Thye don't do petrol versions and in country areas it is too far to use electric vehicles.
  4. To save bank "bail outs" and save taxpayers money there has been devised "bail ins". There has been a law passed both sides of the Atlantic where if banks get into trouble they can bail themselves out using depositors funds. When people put their money into the banks it gets put on a loan ledger where the bank has "borrowed" your money so when in trouble you become a creditor just like in a bankruptcy and the "loan" (your cash) would not be paid back.
  5. My son moved back home so my wife phoned Dial-A-TV to purchase a TV on a rent-to-own basis. Dial-a-TV were asked by her "will I own the TV after the installments?..Answer "Yes, after 18 months." "How much will the TV cost per month?" Answer " £30.48" So to confirm the "TV will cost £30.48 for 18 months as a rental then after the 18 months I will own the TV" and they said "Yes". The agreement came in the form of the Consumer Credit Act 1974. She signed it and returned it. I only saw it when the problems started! She was telephoned by Dial-A-TV to see if she wanted an upgrade to which she s
  6. I was sent a Summons to Appear once. In August 2012 I went into hospital for major surgery and when I got home, I opened a Solicitors letter accusing me of ignoring their previous letter which they had also had sent whilst I was in hospital. They wanted me to go to Birmingham High court to be "financially examined". I got the court papers and I told them I was not going due to illness. I told the court by phone as I couldn't write at the time, (pens don't work upside down!) For months I was travelling by ambulance as a stretcher patient, couldn't sit down, couldn't stand long periods, walked w
  7. I went off sick in 2012 for two years and didn't get any benefits so I opted out of Income Tax. I haven't filled in a tax form for three years now and I put it in the Conditional Offer & Notice of Terms that I would not be liable to income tax, form filling or penalties. I will not be part of a scheme which takes my money when working then gives nothing back when off sick. It is a breach of contract and as there is no contractural consideration, therefore unenforceable. I paid into the system for 38 years. And no, there isn't a law which say a human being should pay tax!
  8. On a point that Default Charges shall be no more than £15 from PayDay Lenders, what about Mortgages with Banks etc? Halifax used to charge £25 for a default against a mortgage and the account where the "failed transaction" came from could be charged up to £35. On the rule of a limit on the amount to be paid back shall be no more than borrowed, a 25 year mortgage will require more than 2 1/2 times borrowed. In conclusion, payday lenders have arisen because banks wil not lend small amounts to ordinary people and although the new regs on PayDay Lenders is good, banks are playing by dif
  9. So trader gets sacked for gold price fixing. A family of bankers meet in London every morning for two things: 1. To fix the price of gold 2. Decide what the FED (Federal Reserve) is going to do next. Why does this family not get the sack? Because they are the Rothchilds, part owner of the Bank of England! Anyway, what it the difference between the man in Barclays, sacked and the Rothchilds?
  10. Hi, I had a similar issue with the tax office. The form was submited and I got a penalty (they lost it) Firstly i didn't appeal, I refused to pay and rejected it. Then when the man asked could I prove I sent it? so I replied "can you prove you haven't lost it" and generally asked one question in reply to his questions. They gave in! Anyway, firstly, something posted with the correct address is deemed to have a delivery date so you are absolved and further action. AND It is statute barred. Send a conditional offer: CONDITIONAL OFFER; I will pay what I lawfully owe
  11. It is totally illegal and unlawful. Quote "No Government official or Agent shall seize anyones property without lawful judgement and if he does, that property shall be returned forthwith" (Magna Carta) and "Promises of grants, fines or forfeitures of particular persons before conviction are illegal and void" (Bill of Rights) and lord Justice Laws in 2002 said these laws of special status cannot be repealed impliedly so still stand.
  12. By looking at your pdf, which show only an Application Form, this does not constitute a Credit Agreement/Contract. What you have is all there is. Credit Card companies used to send out Application forms, process them and send the PIN No's and card and that was it! This amount is unenforceable because it was a credit application/card which started before April 2007. It has no "prescribed terms" required under Section 61 CCA 1974. Under Section 127 CCA1974, the alleged agreement cannot be enforced where an action/claim is brought to Court because a Court is precluded (barred) from enf
  13. Halifax ...Bank of Scotland. (HBOS) A mere matter of £20bn on the takeover of Lloyds, a further £17bn and the takeover.
  14. I had an identical letter from Capquest then I had a phone call. They ring and every time they want to get me to go through security to which I refuse as they are a third party. Their letter was responded to and I have copied it below: Please find my response to your letter of DATE AND REFERENCE I have no contract with your Company and do not wish to contract with you. I am not one of your customers. This e-mail does not imply contract. Should you need to contact me again I will need the following; A valid copy of a contract, signed by both parties and giving acceptance by
  15. Watch out! The tax office lose forms sent so they can say they never had them so they then estimate tax owing and demand penalties.. It is a [problem] used to get more money just the same.
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