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    • yes they mostly would be enforceable, but that wasnt the point. even if they get a CCJ the very worst they could have done is get a restriction k which is useless to them. doesnt hurt anything. the CCJ would remain on file for 6yrs yes, but then gone same as a DN. the rest k charge does not show at all. and even so, the idea was to get your debts issued a default notice ASAP, them RESUME payments.. the advise is NOT conflicting, just you don't read things properly or understand.  oh well. dx
    • This is the dilemma I had then and still have it. The bit that stopped me was the post 2015 comments about them being enforceable now in most instances which I feel hasn’t been answered unless I am missing something. the bonus I guess is not all credit agreements now will be chasing me so less people chasing me down so to speak. this is the problem as there is conflicting messaging out there it is hard to plan a strategic way forward 
    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
    • might of been better to have got them all defaulted 2yrs ago as we carefully explained before then you'd already be 1/3rd there and your current issue would not be one.    
    • No doubt the hotel will have security cameras on the floor you were staying to confirm or deny the allegation??   The only compensation you will probably get, which will be discretionary as a goodwill gesture, will be a credit voucher for the entire hotel group. Very much doubt anything more than that as you have not substantiated, the hotel committed the transgression 
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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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BEWARE the PM'ing DCA's


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Come on, spill the beans.

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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And what on earth did a judge say when a DCA produced printed off bits of the CAG forum in court?

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Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

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Capital One/Debitas- now with Lowells

 

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Not just DCA's - I think it is now any company/representative that has been issued a letter from a CAGger.

 

For my own part, having posted a letter to Skillstrain, ad verbatim on forum, I received a letter from the legal team, identifying me personally (due to my letter) and threatening all sorts of reprisals.

 

This is something I can deal with, but I understand how it could be scarey and unsettling for a first time CAGger, especially when done via the 'secrecy' of PM. If in doubt, give away nothing, and check with admin/mods on the genuine nature of anyone you suspect to be fishing by PM...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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And what on earth did a judge say when a DCA produced printed off bits of the CAG forum in court?
LOL - that is exactly what I am hoping will happen in a couple of weeks...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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And what on earth did a judge say when a DCA produced printed off bits of the CAG forum in court?

 

I posted this elsewhere on the forum, but it doesn't hurt to show it.

 

It read:

 

" You also mentioned the DCA's quoting from CAG posts, let me tell you of one situation that happened to one of the Fan Club. The solicitors took him/her to court over an alleged debt which was being defended. The Fan Clubber presented the court with a very precise and professional looking defence document which the judge commented on. The solicitor for the DCA pulled out a copy which had been posted on CAG and told the judge that the defendant hadn't got a clue as the defence had been copied off the internet which had been posted on CAG by XXXX (username). To the judges amusement the defendant then claimed " your honour, I AM -XXXX !!and I created the document and posted it"

 

Needless to say the Judge sent the solicitor running tail firmly between his legs, awarded costs against the DCA and closed the case!

 

So they do read these, even the solicitors. A warning to everyone.

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To the judges amusement the defendant then claimed " your honour, I AM -XXXX !!and I created the document and posted it"

 

Needless to say the Judge sent the solicitor running tail firmly between his legs, awarded costs against the DCA and closed the case!

 

 

I love it!!!

 

I think the 'old sweats' here have long known the scavengers do read these threads, although I can't see how it really does them a lot of good. Most DCA's and purchasers are dealing with thousands or possibly hundreds of thousands of accounts that have been electronically transferred at any one time, and the chances of positively identifying a CAGger and linking them to an account they may have on file must be incredibly miniscule. Hardly worth wasting the time.

 

I suppose it's a way to measure how effective their latest [problem] has been though......

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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I've never had a DCA employee send me a PM. wish they would, but if they had read some of my posts/threads, then I think they'd be way to scared.

 

If they produced a printout off here in court (not that any of them have dared to go that far with me.) No doubt the judge would notice my gingerbread man avatar and admit that he like dressing up too. Just to comfirm this I would show him my photo keyring showing this photo.....

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

3ab8ae5b.jpg

 

 

Your honour I rest my case. By the way I earn £200 an hour, can I now claim costs against Moorcroft now? :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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If anyone could post a photo of the DCA solicitor's face when someone outs himself as the author of a particularly good defense document on CAG... I'd pay.

 

It just shows how stupid they think people are... stupid enough to believe their lies.

 

Oh I do hope they MAY be reading this.

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Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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If anyone could post a photo of the DCA solicitor's face when someone outs himself as the author of a particularly good defense document on CAG... I'd pay.

 

.

 

Here you go

 

and one of the cagger

 

Edited by MARTIN3030

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I'm so glad my child just got to see that one.... and just before bed too.

 

You can get up in the night then, ODC:rolleyes:...

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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It could be that Caggers can be identified because they are the ones that don't lie down and accept all the #%$~ that gets thrown at them by DCAs. Yes they do read and work out who is posting because I commented on some illegal actions and they were recinded before I could take further actions!!!

PS fuzzy do you do party appearances?

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ODC-am suprised at you-you should know better !!!

 

Very bad taste.:(

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi BB,

 

Did you post personal docs ??

 

I'm baffled as to why people think they can ID anyone just because they have posted on this site.

 

It would mean nothing in court, as a post under a name such as 'dannyboy660' could have been posted by absolutely anyone. Only CAG themselves will know the IP address from whence the post came, and even then it doesn't prove who posted, just which computer it came from. That's the main reason why most publicly accessed computers require some form of ID from the user, or G*ry Gli***rs local library would be in court every week!!

 

I think the idea the DCA's are looking over your shoulder reading your posts on CAG and basing court cases on anonymous threads is a bit bizarre and bordering on paranoia. Surely the only hope of a 100% positive ID is if you post identifiable documents.

 

The 'Financial Services' industry have openly admitted that only about 5% of the cases they deal with are suitable for litigation, so if you've been ID'd and then taken to court on the basis of what goes on here, then you have been incredibly unlucky indeed!!!

 

The best thing is to just remain anon., not to publicly post personal docs, and don't give out too much personal info. Throw in a 'Red Herring' every once in while if you want to be extra cautious. ;-)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Agree,There have been some cases where there have been particular interest shown to threads.I remember quite a few mainly with Banks looking to see strats as we sought to overcome new hurdles.The most famous one that comes to mind was Lickthewallfatboy and his Citi case-Citi were desperate to remain one step ahead...

We do know that there have been posters here from all sectors at some time or other.Now and again there are needs to keep things quiet while they are ongoing-its part of the gameplan for both sides.

I remember going to Court and the Solicitor admitted that she spent lots of time reading CAG forums-and had even been told off about it.She went on to say CAG was a talking point in the office.

 

Another famous one was Keith Jeremiah who was a senior Barclays lawyer in the early claims days...he remarked to one Cag user that when he came out of his house in the mornings-he sometimes expected Caggers to jump out of the bushes ..he reckoned he knew all about our advice and said much of it was good.

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Well I don't lurk in the bushes... often.

 

I am very interested in the "opposition" watching the forums. After all they might learn something, like how they are supposed to do business.;)

 

Fascinating.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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