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    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.  Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
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School uniforms- Competition Act 1998?


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My four year old son starts school in September. So we have found out that the only supplier of the school regulation uniform only supplies via the school. Which is shut until school starts.

 

When hunting for an alternative supplier- there isn't one- I came across a note on Teachernet (part of the DCSF) in DCSF guidance to schools on school uniform and related policies,

 

"7. Schools or retailers that have exclusive contracts with suppliers may in principle be subject to enforcement action under Chapter I of the Competition Act 1998, on the grounds that these exclusive agreements may restrict competition between retailers to supply uniform."

 

Now, if I can't get hold of a sweatshirt, polo shirt, PE shirt and shorts, my child will have to start school not complying with the school's uniform policy. They might send him home- and orders for uniform via the school can take up to a months to be processed.

 

And now I find they seems to be against regulations and now the Competition Act with their policy.

 

We live in an affluent area but we are on benefits. We have applied for the local council school clothing grant (and free school meals) but haven't received anything yet. I'm going to try putting a notice in the newsagent window to see if we can get anything second hand.

 

Can I fight this policy in anyway? Can I even force the school to tell us the name of the supplier so we can deal direct? Any ideas?

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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My four year old son starts school in September. So we have found out that the only supplier of the school regulation uniform only supplies via the school. Which is shut until school starts.

 

When hunting for an alternative supplier- there isn't one- I came across a note on Teachernet (part of the DCSF) in DCSF guidance to schools on school uniform and related policies,

 

"7. Schools or retailers that have exclusive contracts with suppliers may in principle be subject to enforcement action under Chapter I of the Competition Act 1998, on the grounds that these exclusive agreements may restrict competition between retailers to supply uniform."

 

Now, if I can't get hold of a sweatshirt, polo shirt, PE shirt and shorts, my child will have to start school not complying with the school's uniform policy. They might send him home- and orders for uniform via the school can take up to a months to be processed.

 

And now I find they seems to be against regulations and now the Competition Act with their policy.

 

We live in an affluent area but we are on benefits. We have applied for the local council school clothing grant (and free school meals) but haven't received anything yet. I'm going to try putting a notice in the newsagent window to see if we can get anything second hand.

 

Can I fight this policy in anyway? Can I even force the school to tell us the name of the supplier so we can deal direct? Any ideas?

 

Call the Office of Fair Trading [http://www.oft.gov.uk] helpline, they deal with enforcing breaches of the Competition Act together with the Competition Commission [http://www.competition-commission.org.uk], but the Competition Commission only makes investigations and recommendations when prompted by another organization.

 

Also contact your local education authority ["LEA"], call your council switchboard and they should put you through and/or give you the direct number.

 

If still having trouble, try Consumer Direct 08454-04-05-06 or try posting here, but I seriously doubt anybody will be able to help, unfortunately. Worth a shot, but don't hold your breath. The OFT is your best bet, but it's hit and miss with their helpline. If you get somebody useless try calling a few times for somebody more helpful. If no luck, then call the switchboard and pretend your a business calling to whistleblow on a cartel - don't give any name other than your first name to the switchboard - and ask them to put you through to the relevant team, then explain your problem to them! Worked for me when I needed something similar!

 

Good luck & keep us posted.

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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I think the main crux here is whether the school has just gone to one shop and asked them to supply it (or one shop approaches the school) as opposed to one seller choosing to supply it out of several that could but chose not to.

 

I know my school used to have one shop exclusively supply their uniforms. They did put sales out in other shops but they refused to stock them. One cannot force a seller to sell what they do not want to.

 

Have you asked the school if you can buy direct from the manufacturer if if they have other suppliers you may not be aware of? Hope it works out.

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you apparently need to put your concerns and the benefit issues in writting to the school, they will then assess the situation re uniforms being subsidised. Do the polo shirts have the school logo on them?

 

honeyx

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Or can you buy logos, badges etc separately and sew them onto clohing that can be bought eslewhere?

 

Couldn't do that at my school because no-one stocked the colours (and they were really strict on it).

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The sweatshirts, PE shirts and shorts are all printed and the polo shirts are embroidered I think.

 

I wouldn't mind if the uniform was only available through one shop, but its not. It is only available through the school itself... which is shut for the holidays!:mad:

 

This is mental!

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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