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    • Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
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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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Cheekiness towards a DCA


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Yep I do.

 

I have copies of all my strange stuff. :D

The worlds largest collection of gingerbread man pics.

 

I must be the only one who has a laptop with 2 external USB hard disks attached.

Then 2 other computers with 2 hard disks each all one a wireless network.

 

I have more computing power than NASA and Startrek put together. :D

 

Is that all:rolleyes: i can beet that hands down:D

 

 

1 pc with 5 hard drives (mine), 4 external hard drives two other pc,s, three hard drives in one , one in the other and one laptop.

 

Working close with IT departments had its perks:p

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Well, that made me chuckle, anyway :)

 

Just remember to PAY YOUR DEBTS Big R x

Edited by tiglet
don't want cagbotting!

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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Oh dear i cant seem to write nice words to say except hahahahahahahahahahahahahaha. Now u know how it feels.

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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Welcome Cheeky Lads and Lasses.

 

I must of been a good boy cos I didn't get any post CAG-BOTTED

Just remember to keep smiling and ask if you need help. :-)

 

I can't read and I can't write, but that don't really matter, cos I come from Lincolnshire, and I can drive a tractor.

CCA sent to robinson way Halifax cc. 22/02/07~Sold on to Aktiv Kapital~How can you take them seriously when they can't spell properly

Data Protection Act sent to HBOS Current Account 22/02/07~All quiet

Over 2 yaers I've been a member~Doesn`t time fly when your having fun~or beating DCA's at their own game

 

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Pfftt, I got CAGbotted for giggling at ODC :D At least ten times :p

 

It's always ODC's fault. I got CAGbotted coz of you Bo....I quoted you on something (probably ODC). :D:p

 

Well thats it. NO more jokes from me:eek:

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Thats because you didnt mention *** *******:cool:

 

Well I'm not scared of the CAG BOT

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

*** *******

Just remember to keep smiling and ask if you need help. :-)

 

I can't read and I can't write, but that don't really matter, cos I come from Lincolnshire, and I can drive a tractor.

CCA sent to robinson way Halifax cc. 22/02/07~Sold on to Aktiv Kapital~How can you take them seriously when they can't spell properly

Data Protection Act sent to HBOS Current Account 22/02/07~All quiet

Over 2 yaers I've been a member~Doesn`t time fly when your having fun~or beating DCA's at their own game

 

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Actually I think xxx xxxxxxx is mentioned in the Lord's Prayer - line three:D

  • Haha 1

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Bit of sad news over on the Crudit Toady site. Our old pal *** ******* was made redundant in the run up to Crimbo

 

He was only bragging the other day about him earning 9 times the national average.

 

Looks like most of us are earning 9 times more than him now.

 

I only have 4 words to say to *** *******

 

GOOD MORNING JOB SEEKERS :-D

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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I've done my animated text thingie too.......

 

 

 

censoredgif.gif

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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Bit of sad news over on the Crudit Toady site. Our old pal *** ******* was made redundant in the run up to Crimbo

 

Lets have a link, so we can all post messages of sympath...... I mean have a good laugh. :D

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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Been messing with the lasers again tonight, as it was still night and the hazer machine fills the garage quite nicely with no wind.

 

DSCN2308.jpg

 

 

This effect is quite hard to do, as it uses one laser switching on and off at exactly the right moment to create a fan of beams. Then the scanning system has to scan across, down a bit, then back up again, 25 times a second.

 

Took me ages to program it, and then to photograph it.

But quite pleased with the end result.

 

Now all I need to do is make it change colour. That's the real hard part.

 

:D

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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Nearly missed this item:

Credit Today online

Item posted at 10:05 on 22nd, I'll refrain from using names...

...The people who go on the forums for example are but a scratch on the surface of debtors in trouble and only a % of them will actually take up the legal challenge and take on these creditors over their agreements etc.

 

What I would like to see is ALL companies with particularly Consumer Credit agreements be audited to ensure their agreements are legally compliant before they get paraded in front of a Judge who knows little or nothing of the CCA, because it is they who are rubber stamping repossessions and charging Orders against people who know little different when they really should not be happening....

 

For once, can we give some credit for this persons view on the situation. OK, so we're a small scratch in his opinion, but at least he's standing up for the bad practise that's caused so many of us to yell - loudly.

 

As that's on their own Crudit site, I can only hope a few of the DCA's take note, and actually do something about it - like agree to stop the hassle if it is clear the paperwork is flawed, which must apply to a high percentage of what they are seeing?

 

itsback.gif

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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I have a feeling the person that posted that was a CAG member. :D

 

But hey it's a great post, and certainly nothing they can actually say is not true or disagree with.

 

I'm still waiting for my application to post on there to be approved. If I am, I will take full advantage of it.

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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Lets have a link, so we can all post messages of sympath...... I mean have a good laugh. :D

 

I segment I have found. I have never posted on this thread but follow it. By the way I almost wet myself at the youtube postings.

How is life in Bobbleton Grove?

 

Will this make it past the mods?

xxxxxxxxxxxxxxxxxxxxxxxxxxxxx

I was made redundant middle of December with my entire team. Since then we have formed a company, opened company bank accounts, registered for VAT had stationery printed, Etc. Etc. and we are now contracted to collect £14m of book debt from the company I used to work for.

XXXXXXXXXXXXXXXXXXXXXXX

I need to change my avatar..But cant find a good replacement.

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Life in Bobbleton Grove is just fine. We have just put up recession proof gates at the end of the road.

 

Let's face it, when you have nothing left in life, then sit back and laugh at it all. When you've lost almost everything, then you're almost untouchable. (apart from £1 a month if a judge happens to take their side.)

 

I'm using it to my advantage, to screw the very companies who put me in this situation in the first place. I have nothing to lose, but they do. Sounds like something worth a gamble anyway. :D

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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Perhaps sooner than later the "person" in point will be the victim of his own kind. Like some animals that prey on their own kind.

 

That old saying rings true "what goes around certainly comes around"

 

 

Stewie;)

I need to change my avatar..But cant find a good replacement.

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Note to self: 'Cancel credit cards prior to death!

 

Be sure and cancel your credit cards before you die! This is so priceless

and so easy to see happening - customer service, being what it is today!

 

A lady died this past January, and *** bank billed her for February and

March for their annual service charges on her credit card, and

Then added late fees and interest on the monthly charge The balance had

been $0.00, now is somewhere around $60.00.

 

A family member placed a call to the *** Bank:

 

Family Member:

'I am calling to tell you that she died in January..'

 

***:

'The account was never closed and the late fees and charges still apply.'

 

Family Member:

'Maybe, you should turn it over to collections.'

 

***:

'Since it is two months past due, it already has been.'

 

Family Member:

So, what will they do when they find out she is dead?'

 

***:

'Either report her account to the frauds division or report her to

the credit bureau, maybe both!'

 

Family Member:

'Do you think God will be mad at her?'

 

***:

'Excuse me?'

 

Family Member:

'Did you just get what I was telling you . . .. The part about her

being dead?'

 

***:

'Sir, you'll have to speak to my supervisor.'

 

Supervisor gets on the phone:

Family Member:

'I'm calling to tell you, she died in January.'

 

***:

'The account was never closed and the late fees and charges still apply.'

 

Family Member:

'You mean you want to collect from her estate?'

 

***:

(Stammer) 'Are you her lawyer?'

 

Family Member:

'No, I'm her great nephew.'

(Lawyer info given)

 

***:

'Could you fax us a certificate of death?'

 

Family Member:

'Sure.'

( fax number is given )

 

After they get the fax:

 

***:

'Our system just isn't set up for death. I don't know what more I

can do to help.'

 

Family Member:

'Well, if you figure it out, great! If not, you could just keep billing

her. I don't think she will care.'

 

***:

'Well, the late fees and charges do still apply.'

 

Family Member:

'Would you like her new billing address?'

 

***:

'That might help.'

 

Family Member:

' Rookwood Memorial Cemetery, 1249 Centenary Rd, Sydney Plot Number

1049.'

 

***:

'Sir, that's a cemetery!'

 

Family Member:

'Well, what the **** do you do with dead people on your planet?'

 

Happend in Oz but could of been anywhere

 

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You know with all these Job Losses happening it's good to see one DCA Advertising for staff.

 

 

slide6-1.gif

Just remember to keep smiling and ask if you need help. :-)

 

I can't read and I can't write, but that don't really matter, cos I come from Lincolnshire, and I can drive a tractor.

CCA sent to robinson way Halifax cc. 22/02/07~Sold on to Aktiv Kapital~How can you take them seriously when they can't spell properly

Data Protection Act sent to HBOS Current Account 22/02/07~All quiet

Over 2 yaers I've been a member~Doesn`t time fly when your having fun~or beating DCA's at their own game

 

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