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    • Yeah well it's been a busy and stressful few weeks. I also wanted to see if they did anything while reopening the claims.
    • We don't know of anyone on this forum who has had RLP organisations or bailiffs arrive at the door. They're going to threaten legal action because they think you may not know that they aren't able to carry this out and could be more likely to pay them. HB
    • Has anyone that you have known or posted on this forum received knocks on doors from them or received a ccj and been sent to court or have sent bailiffs or gave the debt to another company. if they don’t have any legal powers why do they threaten with court action 
    • Ok, so just been to see my friend, she still has her head firmly in the sand and had a pile of unopened post, thankfully nothing serious apart from this case!    In answer to your question it says N24 General Directions Order at the bottom of the page, then on page 2 where the line says "As a result of an order made on the 1 May 2024, this claim has been transferred to the county court at ##### (friends local court) " this is N271 Notice of transfer of proceedings.  Within the stack of letters I found 2 from Kearns Solicitors,    02-12-2022 Document pack with covering letter stating under the s78 CCA please see enclosed  1) A copy of the executed Credit Agreement, 2)  A copy of the terms & conditions 3) A copy of the varied terms & conditions applicable at termination / assignment, and  4) A statement regarding the conduct of your account as requested by s78(1)(a) to (c)  (Would you like me to describe the documents attached?)   18-02-2023 Generic letter asking for her to contact them to discuss settlement or they will take to court for further legal action. 
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    • We have finally managed to obtain the transcript of this case.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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*NOT* Disillusioned with CAG of late


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Do U consider yourself sooo special that U should get preferential treatment + explanations??

 

No, just a little bit slow. I wish you'd explain the joke

 

...Are U a SPECIAL Person Hippy-chick??

 

 

My daddy always says I am

I would be obliged in future if U would keep your opinions to yourself!!!
But this site is all about sharing - and this is the chill out room. I know I'm really stupid - but I really do wonder why you have to resurrect old, dead threads when there are so many new, to my mind funny, new ones aroundl.

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

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I wish you'd explain the joke

I know I'm really stupid

Joined: 15th Sept 2007

Posts: 174 (to date)

Rep: Informative + 4 Green Blobs

 

Been impressing someone have we dear?!...:rolleyes:

 

 

 

 

I really do wonder why you have to resurrect old, dead threads
For someone who has been a Member for just over 2 months + has not Posted on this Thread before,

U seem very assured of yourself + very au fait with who + who may NOT have had had online dealings with each other, prior to your Membership starting?!

FWIW It is the 1st time that I have seen this Thread + Posted accordingly.

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Now then, children.

Play nicely or I will confiscate your ball. :D

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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Ruk...I'd be quite happy if U actually punctured it tbh!!!

 

When is someone going to put a STOP on REP being given out for BG2 Posts??

It didn't used to count when worthwhile Posts were getting Posted in the Main Forums during BG1.

Is it a software problem...or current website policy??

 

I have noticed one or two decent Posters on the Main Forums who are seeming to get little or NO recognition for their efforts to genuinely help others + this includes NEW S/H btw.

Yet, miraculously, there are Posters with relatively high % of Posts in BG2 who seem to be forging ahead!

 

How disheartening this must seem to others more deserving??!!...:???:

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Any rep given in the Bear Garden is ignored by the system and are not included in a user's total.

In the same way, any posts in the BG are not counted.

If a user posted only in the BG and nowhere else, then their post count and rep total would both remain at zero.

This was implemented quite a while ago (During the reign of the original Bear Garden) to prevent a little clicque of users, using it to artificially inflate their scores.

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Any rep given in the Bear Garden is ignored by the system and are not included in a user's total.

In the same way, any posts in the BG are not counted.

I beg to differ on the REP NOT counting Ruk.

+ I didn't mention anything about Posts counting...They STILL don't!

Try giving ME REP + U will see for yourself!

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I beg to differ on the REP NOT counting Ruk.

+ I didn't mention anything about Posts counting...They STILL don't!

 

Try giving ME REP + U will see for yourself!

Interesting. Rep certainly isn't supposed to count in the BG. Yours is currently sitting at 199. I'll rep you and see what happens...

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Right enough, rep duly added! I'll bring it to the attention of the webmaster.

  • Haha 1

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Well at least Rooster got one thing right. BG posts are not counted, a perfect example of which is Alterego aka Bankfighter aka blueskies.
I don't understand...a perfect example of what?

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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Now can EVERYONE see what I mean!!!

It throws the WHOLE REP System into disrepute + God knows how long it's been like this for??!!

Methinks 'certain' individuals have known about this faux pas for ages + have abused it to gain higher than would be expected reputations in a relatively short space of Membership time or amount of quality Posts??!!...:-x

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post counts in the alterego profile are zero as this user has only posted in BG
Ah, I see.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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No way of knowing how or when it was re-enabled. It shouldn't have been and now that you have brought it to our attention we can put the matter right.

Many thanks MTM for your diligence.

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It amazes me that NO MOD etc has noticed this happening before their very eyes???...:confused:

Did NONE ever stop to think about how Posters in the BG2 were gaining Blobs left, right + centre in such a short period of time, without Posting much on the Main Forums???...:?:

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It amazes me that NO MOD etc has noticed this happening before their very eyes???...:confused:

 

Did NONE ever stop to think about how Posters in the BG2 were gaining Blobs left, right + centre in such a short period of time, without Posting much on the Main Forums???...:?:

Can't say that I did. My rep's turned off anyway so I don't tend to pay much attention to other people's either.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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That's really amazing - i hadn't noticed that. It appears that 2 out of my last 10 reps were indeed awarded in the bear garden. Including one by MTM, I have to say ;) If you have a look, RobertXC, you'll see it's true.

 

I agree, this really shouldn't be happening - can anything be done to recalculate total reps because it does seem unfair that users are rated highly without actually being rated on the quality of their information, if this is indeed what is happening as MTM suggests?

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I doubt anything can be done retrospectively, but it should be simple enough to fix moving forward.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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...Including one by MTM, I have to say ;)
That's perfectly correct tiglet!

However I was surprised when the software allowed me to do it + assumed that it would be like when a Newbie below a certain Post count Clicks + there is NO Rep value added?!

It wasn't until last night that I actually put two + two together!!!

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That's quite worrying Robert - when I first joined the site, i would look at the users with the most rep as the one's most likely to be able to give good advice. I've looked around and can see what MTM is saying - so some people with very few posts have about the same rep as me, for example.

 

Normally, when I see that, it is because the person is very expert in a particular field and has gained their rep taht way. therefore, i would be more likley to trust them.

 

However, now we're in the situation where users without very much experience in the day to day answering of posts (which we can tell because of the post count) appearing to be "expert" and so can give advice which users will accept on this premise, possibly against the advice of another user with lower rep but more posts who doesn't visit the bear garden and so their rep has all been earned.

 

I would be happy for any rep points I have received from BG posts to be removed and the total recalculated. Currently, the system is making a mockery out of the idea of reps and turning it into a back-slapping exercise.

 

Don't get me wrong _ I've given reps in the BG for posts and as I've said, I've also received them. However, as I also said i didn't think they counted towards the user rep (they never used to) and as i do post on the main site a lot too and get reps that way, never figured it out until today.

 

I just think it's grossly unfair that usesr who give their time to help others are at risk of not being as recognised as those who don't. i'm not disrespecting anyone who spends time in the BG - i do myself, but I wouldn't expect nor want to be given a rep based on jokes or comments there.

 

As an example, my rep count stands currently at 496. Only a little way to go befoer i get my light green blob. Will someone watching please give me a rep (I will ask for it to be removed afterwards) to give a practical demonstration of how wrong this and I will further comment once this has been done.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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With 162,000 registered users, a proportion of which post in the BG., what's to notice? It takes a number of rep points to produce a green blob and as the actual number of rep points is not displayed on posts, there is no of knowing without looking at profiles, which is time consuming.

Also to get a clue to that we would have to monitor a few users very closely over a period of time.

If we closely monitored some users for a week and then found that their rep total hadn't changed, would we then assume that everything was OK.

Or should we then PM 162,000 users to ask if they had given rep points to any of those users and in what forum? I doubt that many of them would remember anyway.

Even if every team member spent literally 24/7 online it wouldn't begin to even scratch the surface.

When users, such as yourself, point these things out to us and bring them to our notice, we can then rectify the position.

Regarding the removal of any spurious rep awarded in the BG, it is probably not a lot of points anyway. How many points have YOU received in the BG. You may well have received none, or loads. Do you know?

How many rep points should we deduct from your total?:D

Call them a bonus as it's getting near to Christmas.:D

 

Regards, Rooster.

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Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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I can see where you are coming from Rooster, but I have to disagree on point of principle. I really feel strongly that this is misleading to new members especially and unfair to those who work hard on the forums but perhaps rarely visit the bear garden.

 

Surely there must be some way of being able to see whather reps came from the bear garden? i know that I have identified two in my last ten - no offence or ingratitude to those who supplied them, but I really would prefer them to be removed or, failing that, my rep to be disabled.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I can remember someone's REP once being ZEROED for blatant REP Whoring tiglet...;):p

 

On point of principle, MTM, I'd rather my rep was zeroed than unearned and misleading.

 

What I was asking for was a practical demonstartion of how a post which has not assisted any member can lead to someone gaining higher rep count than they are entitled to. as my rep count was nearing the place where I would get an extra blob, I thought it might show people viewing how grossly unfair and misleading this is.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I would be happy for any rep points I have received from BG posts to be removed and the total recalculated. Currently, the system is making a mockery out of the idea of reps and turning it into a back-slapping exercise.

This was exactly the reason that Bear Garden rep was stopped.

You would see a little clicque of users repping each other for posting a smiley.

I would think that the total rep given in BG is quite low as everyone would believe that it was ineffectual, (as we did).

Now that the situation has been recognised we can put it right.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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