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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Cheekiness towards a DCA


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Do you think she forgot to put her wedding ring on too????:roll:

 

Hard to tell when she's holding all those jumbo sized sausages.

 

Can you see those people in the background? I think they may be stuck in orbit. ;)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Actually its surprising what you can find on their facebook and Bebo pages

 

dcamonkey.jpg

 

How do you find them on facebook and Bebo? Surely they don't advertise who they are?

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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can someone pass me a bucket please.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Thanks HB. passes bucket to the lovely lady in the pic.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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How do you find them on facebook and Bebo? Surely they don't advertise who they are?

 

Fred

If you look back over Sehorses posts he had a load of ones taken from a Cabot staff members home page taken during a night out for the teenies when they were all supping WKD and Smirnoff Ice

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ODC u have just given me an idea.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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No comment

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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If you look back over Sehorses posts he had a load of ones taken from a Cabot staff members home page taken during a night out for the teenies when they were all supping WKD and Smirnoff Ice

 

Thanks ODC and for the pm.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I've got Westcot on my case now - which case I don't know yet because so far all I've had is a call which I didn't answer and no message was left.

 

I've never dealt with this lot before, so on a scale of 10 to 1, where 10 = normal human being and 1 = neanderthal man, whereabouts do they fit?

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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About a 2 - but fairly easy to get rid of.

 

Thanks Tiglet. Like I said, I don't know what it's about yet, but thinking logically, it can only really be about something I've already seen 1 or more DCAs off about already, so I'm not expecting too much hassle.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I had a call from an elderly sounding woman from a company called Pennine yesterday asking to speak to my wife. She was out at the time so the conversation went:

 

Them: I need to speak to Mrs X regarding a personal financial matter.

 

Me: Pennine - sorry I've never heard of you - who are you?

 

Them: It's Pennine regarding a personal financial matter (sounding a bit vexed already!)

 

Me: Sorry, I've no idea who you are.

 

Them: Look, is Mrs X there?

 

Me: You can speak to me - I'm her husband - we don't have any secrets - we share everything.

 

Them: Sorry, it's Data Protection. IS she there or what?! (more vexed!)

 

Me: Look - I'm not speaking to you - if you want to contact my wife you must do so in writing and you must not phone again. If you do I'll report you to the Financial Ombusdman and Ofcom.

 

Then I put the phone down feeling pretty pleased.

 

The bitch then phoned back after about 20 minutes - I didn't answer and let it go to answerphone - "Message for Mrs X regarding a personal financial matter - please ring Pennine urgently" - I could tell from the way she sounded that I'd ****ed her right off so she was clearly having a go at getting her own back!

 

I was vexed by this point so I rang them, pretended to be on a really bad line and kept reading out a made up account number. I also asked to speak to "Dave" - "Hello Dave. Is that Dave?! Is Dave there?! My wife would like to use your toilet."

 

I felt a bit better after doing that! :)

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I had a call from an elderly sounding woman from a company called Pennine yesterday asking to speak to my wife. She was out at the time so the conversation went:

 

Them: I need to speak to Mrs X regarding a personal financial matter.

 

Me: Pennine - sorry I've never heard of you - who are you?

 

Them: It's Pennine regarding a personal financial matter (sounding a bit vexed already!)

 

Me: Sorry, I've no idea who you are.

 

Them: Look, is Mrs X there?

 

Me: You can speak to me - I'm her husband - we don't have any secrets - we share everything.

 

Them: Sorry, it's Data Protection. IS she there or what?! (more vexed!)

 

Me: Look - I'm not speaking to you - if you want to contact my wife you must do so in writing and you must not phone again. If you do I'll report you to the Financial Ombusdman and Ofcom.

 

Then I put the phone down feeling pretty pleased.

 

The bitch then phoned back after about 20 minutes - I didn't answer and let it go to answerphone - "Message for Mrs X regarding a personal financial matter - please ring Pennine urgently" - I could tell from the way she sounded that I'd ****ed her right off so she was clearly having a go at getting her own back!

 

I was vexed by this point so I rang them, pretended to be on a really bad line and kept reading out a made up account number. I also asked to speak to "Dave" - "Hello Dave. Is that Dave?! Is Dave there?! My wife would like to use your toilet."

 

I felt a bit better after doing that! :)

 

You're my wife now ...

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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You're my wife now ...

 

oi! Tiglet, are you two timing me?

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Thanks

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