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    • J&P Credit Solutions are specialists on debt recovery. Either way they seem to be swapping between the JandP and IDR whatever their exact definitions are.
    • Primary and secondary teachers are supporting pupils with their own money, buying food and warm clothing. Eight in 10 primary teachers in England spending own money to help pupils | Education | The Guardian WWW.THEGUARDIAN.COM Increasing numbers of children hungry and lack adequate clothing, with two-thirds of secondary teachers also supporting pupils  
    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.View the full article
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buy as you view.


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hello everybody thanks for having me.

 

 

buy as you view?

there saying its over 3 years but when we took out agreement it was meant to be 2 years only. they have no signed paperwork nor do we. they came out today wanting money, we said sorry your not getting any till the paperwork is shown.they harrassed us knocking for ages, kicking and banging the doors. we phoned the police they did nothing saying we owe them money please help.

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Hi hollysdad and a very warm welcome to CAG ! :-)

 

You will get all the help you need and everyone is perfectly friendly. First of all, spend some time familiarising yourself with the site please.

 

You should also read the site rules and the FAQ's. A useful link is also the

How do I guide to the forum.

 

Here is a link to the debt forum. http://www.consumeractiongroup.c o....tion-industry/.

 

Here a couple of link to other caggers who have had similar problems which may help you to get you started, although they are a little older.:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/112502-dunraven-buy-you-view.html

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/87628-buy-you-view-help.html

 

Please feel free to introduce yourself on the debt forum, outling the issue you need resolved.

You do not need to put up with such behaviour at your home and we can help you get it resolved and provide information about getting your credit agreement .

 

Good luck and Regards, Kenny:-)

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Hello and Welcome, Hollysdad.

 

Sorry, I'm not to clued up on 'Pay as you Veiw'

I think you could send them a S.A.R - (Subject Access Request).

 

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/subject_access_-_guide_for_data_subjects.pdf

 

You would then know the score with how long the agreement was for in the first place.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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  • 2 weeks later...

hi still problems with buy as you view. we were told our agreement was over 2 years, well the area manager came out with paper work and it states that its over 3 years.we have paid already over £1800 for a £499 computer and £700 telly, and were told we still owe over £1300.they said if we dont wanna pay they will take the goods back.please help what can we do, the thought of giving them back after paying so much already makes me sick.

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Hi HD,

 

Please stick to one thread for each issue - it help you and us to keep track of your case.

 

I'll get your 2 threads merged.

 

Have you followed the advice given earlier about sending the Co an SAR for the proper paperwork.

 

You do NOT have to let these people into your home and should keep ALL communication in writing only, ie no doorstep or house meetings and no phone calls.

 

Don't be intimidated - they can't just take stuff back like that. In fact, if you don't open the door to them, there's v little they can do.

We could do with some help from you

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These rent-to-buy deals are very expensive, and what you do will hinge on the exact T& Cs you agreed to. These are effectively doorstep lenders, but dressing it up slightly by offering consumer goods and arranging weekly collections for their usage until the arrangement is complete. Is it a rental, HP or credit arrangement? Only by knowing this can we point you in the right direction.

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  • 4 weeks later...

Hi Hollsdad

This might help you in some way, the bully boy tactics banging and kicking the door is all in vain, they can not remove the goods from your property unless they can produce a copy of the hire purchase paperwork. Also without this the police will not help as it as seen as a civil matter.

They will tell you that they will have the bailiff call to your address when in fact they have no bailiffs working for the company.

I also know of several customers who have returned only the meter to the head office with their account details enclosed and had the account written off.

With the amount you have already paid the account will be written off

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  • 4 months later...

As a previous employee (Debt Collector) of BAYV, I can tell you there is nothing they can do without a court order.

 

If you look at your agreement there is a repossession amount, once you have paid that amount they would have to take you to court to repossess.

 

In my three years with the company I dldn't take or hear of any person going to court for non payment.

 

They do not employ baliffs, they have Area Account Manager's who act as Arrears Manager's.

 

They are alsoin financial trouble at the moment, so no chance of expensive court costs.

 

Stick it out and they will eventually write off your account after about four to six months.

 

Good luck.

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