Had a laugh today as I got a phone call from a dca working for a foreign bank regarding a person who has no association with me. I told the dca that I was not the person they were after but someone with the same surname used to have my phone numer about 10 years ago but as that wasnt his first name the data sellers they were using are patently so crap his firm has wasted their money. He laughed and thanked me for making his day with my comment

Thought be nice for some light hearted fun for a change in the Bear Garden , saw this and thought start it off, lol, click on the link https://uk.news.yahoo.com/video/brave-tourists-attempted-kayak-hilarious-134624659.html

Several weeks into the post-ESA struggle for existence and I received the oddest phone call today from my "benefits advisor". Essentially it amounted to her pleading with me not to close my ESA claim. It was so mind-boggling, given the current climate of attack on the benefits system, that I have to set it out here in some detail. The advisor was responding to my letter declining the appointment made between me and her by the powers that be. Essentially I'd said - if they've stopped my ESA to what end would I be attending the appointment. I assumed that the people who stopped my benefit forgot to tell those making the appointments about the stopping. We are all accustomed to government departments which lack joined up thinking or performance. The woman says she's received my letter but please, why don't I apply for income based ESA. I tell her that (a) I can't face going through the whole assessment procedure again because of the stress and negative impact on my health and (b) when my husband was forced into early retirement he got his lump sum which is just enough to put me out of the running for benefit At which point she plays another card. They'll still be paying my NI benefits so I can't get away with not attending the appointments. I then say fine, stop them. Surely you can't expect me to drag myself an hour's journey each way for the sake of a meagre NI payment? It knocks me back for a whole day. The same woman who gave me such uphill the few times I saw her then proceeds to plead with me to let her keep my claim open, register that she spoke to me so I don't have to keep the appointment, and thus buy myself time to rethink the issue. What's going on here? I don't for one minute imagine that she's concerned for my welfare. Or at least not beyond not wanting me to be another addition to the scandalous statistics of the despairing poor, ill and infirm who have died as a consequence of the attacks on the social health and welfare systems. I reckon she's merely acting on instructions to go through the motions of seeing that people who come off benefits are given "assistance" and "advice". Meantime, we all know that people like me, the walking wounded, are the targets whom Ossie Ostrich has in his budgetary sights. Someone in my situation would be declined for ESA were I to apply afresh today. An asthmatic epileptic with a history of biomechanical and mental health problems is considered perfectly fit for work. (Cross the floor of the job centre to the desks dealing with JSA and they would deny this but there you go...............) Then there's that pesky £16 000 my husband received after 30 years of public service. It makes us "wealthy retirees" - we can eke this out over the next few years. If we're careful and only use it to build his monthly pension to two thirds of the official poverty line, it will last three years or four years. By the time we run out of all our resources and have absolutely nothing, not even our ability to work, to depend on, state assistance of any kind will have disappeared. So why's this woman calling me? What's she after? .

Hi, May 2006, we received a document from Land Registry, stating that an ICO had been applied for, and that a COPY of the ICO had been sent to them by the applicant should we wish to see it . Neither myself nor my O/ H were familiar with the Company or the Solicitors involved. We then received a letter from the solicitors acting on behalf of the Company, a few weeks later dated June 2006, upon reading the contents of the letter, we were disgusted to find that the alleged debt had already been before the courts on 3 separate occasions, without our knowledge. A FCO had been obtained just 5 days before the letter was drafted. Once again we were completely oblivious to the alleged debts existence. A sealed copy of the FCO had been enclosed within the letter, both the ICO and FCO were obtained Many many miles away, it also stated that an ICO had been obtained in April 2006, again without our knowledge. It also stated that a Default Judgment had been obtained back in 2005, by way of a MCOL, We have never seen any documentation for the Default Judgment , or the ICO order, to say I was fuming was an understatement. I sent a letter in reply, to all the comments within the letter, I stated that as far as we were concerned the alleged debt was nothing at all to do with myself or my O/H, I stated that they were the lowest form of life on earth after deceitfully obtaining judgment on an alleged debt, without any chance to enter a defence. I stated that I required valid documents to prove the ownership of the alleged debt and until the valid documents were produced the Debt would remain in dispute Letter Ping Pong with the company whereby in 2008, after receiving another letter, it was stated that the alleged debt was ascertaining to a "Credit Card" in my O/H name and with a company called the Associates. The letter then went on to state that as no payments had been made to reduce the debt, they were going to instruct their solicitors "LCS" to take further action through the courts, the letter went on to offer a consolidation loan which would be arranged by LCS. Once again a letter was sent in reply stating that as far as We were concerned the alleged debt was still in dispute, as the requested documentation back in 2006, had never materialised, and until the requested documentation was produced the debt would remain indefinitely in dispute. cutting A LONG STORY short, in 2010 a stat demand appeared for the alleged debt, but the information entered on the demand was totally different to the information I had on the Original documents, EG; Incorrect Company stated as the owners of the debt, incorrect Case Nos: and reference Nos: Used,, I thought that they were just trying to coerce me into making pmt on the alleged debt with their antics. I was also unable to understand why again another Solicitors were involved now acting for this other company who were claiming that the debt belonged to them. Contacted the Court re the claim no's and owners of the debt, Only to find that the case had been transferred to" Reigate County Court" and that they had got "LCS" as the Solicitors. I then explained that I had solicitors [1] and company[03752940] registered by way of a restriction against O/H beneficial interest since 2006, and they had got Company[03752940] and LCS as solicitors, and now 2011 lo and behold company No;[04140507] and Solicitors" Welbeck LAW LLP" WERE STATING IN THEIR STATEMENT THAT THEY WERE THE SOLICITORS WHO HAD BEEN DEALING WITH THE ALLEGED DEBT, AND HAD made a statement of truth to that effect. I was told by the lady at court that each time a new solicitor was engaged then the courts and myself should have been informed this was a requirement of CPR rules and practice directions as set out in the cca 1974 legislations. In 2011 we received a Bankruptcy order for my O/H, upon visiting the O/R we explained that the debt had been in dispute since 2006, and that a diferent Company and different solicitors had otained the Bankruptcy order, whilst the courts had a company and LCS as the solicitors. I had Company[03752940] and a completely different solicitor, registered against our property, I told the O/R that we had requested valid documentation re the alleged debt, but none had ever been produced. I stated that the alleged debt did not belong to my O/H, the O/R completely ignored the fact that the debt was disputed and that no valid documents had ever been produced, and when I asked him about the different companies involved and the different solicitors being used I was told that the companies were one and the same. upon quizzing him re the different claim no's being used I was told that it must just be an admin error, I stated that the charge was still against the property although a secured creditor should not be able to make you bankrupt, without giving up the security on the property. after phoning Companies House myself I was told that if each company had their own unique reg no then they were classed as separate entities, I told the O/R this and also told the Insolvency practitioners, but once again it fell on deaf ears. I got in touch with the FOS in October 2012, as I was fed up requesting valid documents, and the Insolvency Practitioners were being incooperative after I had an argument with them over data protection issues which were explained as small admin errrors, in which some of the documents in my husbands name have never been located, they stated in their next letter that all office staff had been told NOT to discuss annulment anymore as they were going ahead with the bankruptcy, this was purely a vexatious move on their part . The FOS contacted them and I am going to let you see their final response letter, which abuses most of the legislations within the CCA 1974 act, and completely goes against all the sanctions imposed upon them by the OFT in 2009, and have ignored and abused the CPR rules and directions that are in place to protect the consumer. The default judgment was obtained by deception by way of MCOL which states that the agreement is still needed at the court, hence we were not told of the alleged debt, as if a defence had been entered they would have had to produce the AGREEMENT. ALSO AFTER STUDYING THE CCA 1974 ACT FOR QUITE AWHILE I CAME ACROSS THE After requesting for valid documentation for an alleged debt in 2006,

Hi All, Theirs took the biscuit, they might as well have wirtten: "Hi, We're tryng to get your money for no reason! Bye!" They are chasing payment on an account that I cannot recall from the last 6 years so its either non existent or statue barred. The letter is the same as others I've read so already done the "Do One" letter asking for proof of the original credit agreement with a £1.00. Whenever I write these letter I find it helpful listening to The Pretender by the Foo Fighters, great for writing angry letters! Will post with what laughable crap they send back.

It makes you laugh just reading it.

Having NEVER had a QQ loan, I got this via email this morning.. (Would love to know how they got my name and email address..) Check out the huuge amounts they are asking for! SUBJECT:- Extended Repayment Plan Available: Prevent Sale To 3rd Party Collectors BODY:- Dear [DELETED], Customer ID: [DELETED] Unless payment is made on your loan by 2 August 2013 it may be sold to a third party collection agency. To help you prevent this transfer your defaulted loan balance has been referred to the QuickQuid Final Resolution Department. QuickQuid will accept a re-payment plan over n/a months. Based on your outstanding balance of n/a this would be a monthly payment of n/a. Please contact our Final Resolution Department between 08:00 and 21:00 Mon - Fri at 0800 016 3114 to accept this offer or to learn about other options available. It is important to provide dates of payment when replying to this e-mail as the arrangement is incomplete without dates of payment. Once a payment plan is in place, collections activities will stop as long as payments are made on time. The only forms of payment accepted for this offer are Debit Card or Direct Debit Mandate. If your account information has changed please inform our agents so they can update your information. QuickQuid Final Resolution [email protected] 0800 016 3114 www.QuickQuid.co.uk QuickQuid | 0800 016 3114 | [email protected] | Privacy Policy | Call free from landlines. Mobile phone companies may charge up to 40p per minute. CashEuroNetUK LLC is a limited liability company incorporated in the United States. Head Office: 200 W. Jackson Blvd. 14th Floor, Chicago, USA. Correspondence Address: 483 Green Lanes, London N13 4BS. Consumer Credit Licence #603395

This is an old video with President Reagan in the front row. He is sitting along side of Speaker of the House, Tip O'Neil, enjoying an evening together at the Ford theater. A very funny act takes place on stage. With all of today's security around any of our Presidents, nothing the performer does here could ever take place now. http://www.youtube.com/watch_popup?v=n6mbW-jMtrY&feature=player_detailpage