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    • the scrappage scheme is nothing to do with the agreement ...sorry. it's an enticement to purchase a replacement vehicle. just the same as shop signs that say 50% off or whatever.  its a done and dusted deal done before you enter into the agreement for the remaining £sum. 
    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. So I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you dont have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
    • This is the crux of the argument. The scrappage contribution should have also been counted as a deposit. It was literally a part exchange in return for a cash deduction so there is no reason it wouldn't be treated the same way.  I did not request a VT, I was struggling to pay after a separation from my partner at the time. However had the figures been reflected correctly, the VT cost would have been 2k not 9k and I may have considered it as an option. Instead, the car was marked stolen and removed from my possession by the police
    • LOL - old one the fiver theory - although with the poops its take a fiver now, promise 10p  sometime in the future while claiming the reverse theory   So when is jenrick, an apparent slam dunk as referenced higher in the thread, being referred to the police? These poops need to know that anything they throw will be returned .. with interest  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Are there any decent loan companies?


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My sister in law has just rang yes loans and they accepted her then asked her to pay £49 she didnt have it in the bank so had to say no, so they are sending her a form out.

I told her not to pay it, but she wants some extra cash for the kids for xmas, is there any decent loan companies she could try.

She has a low credit score and wants to borrow around £500

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God no, I should hope she would`nt take out any more loans!!

 

This is my sister in law, she lives in my road and doesnt have a landline so she just rang them an hour ago from my house.

She does not have anything on credit but is finding it hard still to get a loan off the high street.

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Many loan companies are offering loans in the run up to the feastive season, going through the bank will most likly offer the best APR, others like provident will consider the loan but with very high APR, ur sis can do a search on loans and input her information that finds the best deals, if thats what you can call em, best deals to suit them i would think, getting a loan to cover xmas will cost more in the long run, what with intrest etc added, can she not, just explain to the children that money is a little tight and just buy each child one gift there really want, and a mixture of smaller cheaper gifts, aution sites offer items to bid on, which might work out cheap and cheaper retail shops offer 3 gifts for the price of 2. which might be useful.

Christmas time is never easy for parents, with all the expensive toys/gadets advertised on tv etc, that ploy on parents to buy there children. Buying a board game could assist as been one of the kids gifts, that there all can share, another way of giving gifts, write down one thing you all can do, after xmas, like a day at the beach or funfair, like a iou, that can be redeemed after xmas. Christmas can be fun, and happy, without having to spend hundreds that isnt available. Just been there for the kids having a hearty meal and laughter in the house is just as good as the latest phone or gadet. Saying no to the children at xmas isnt easy, thats what these companies prey on, but don't get into the loan/debt loophole just to buy the latest must have.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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Dont touch Yes Loans.

 

I paid out the £49 had to sign a contract to say that they would search on my behalf to find a lender that will help me with the loan for 1 month.

 

After 1 month they couldn't find anybody - so they had my £49 for 1 month earning them interest - I had about 12 searches on my credit file which meant that I couldn't apply for aything else for 6 months as this did not look good and it took me a further 2 months to get the £49 back.

 

I am sure they have helped other people - I just had a very bad experience so please be careful.

 

I know what it is like with regards to finding money for children for presents - we have this year gone down the route of going through everything old toys linen etc and selling it on ebay - we made about £250!

And it didn't cost a penny!:-D

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