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    • If you’ve ever wondered how you might fare in armed combat, the first 20 minutes of Steven Spielberg’s Saving Private Ryan is likely to make you thank your lucky stars you were born too late to storm the Normandy beaches on June 6 1944. I suspect many of us might be driven to identify with those men who were absolutely turned to stone by fear. And yet these young men, mainly conscripts, screwed their courage to the sticking point and did the job the fate had chosen for them, heroes all.   .. UK PM Sunak perhaps thinks he understands mind numbing fear better than many as he dishonorably fled the beachhead to do nothing more than double down on dishonest spin and lies from the safety of a UK studio .. The Normandy heroes who not only held their positions, but advanced through hell to a victory that changed the entire course of history .. undoubtedly hold a different perspective.     from a perspective in TheConversation     .. 'That was the slot that sunaks team offered for the interview
    • Yes, send a message to the purchaser but keep it very friendly and simply that you noticed that the package has now been delivered.  I suggest that you ask them if they want to keep the package still or if they would rather return it and that if they want to keep it then please will they return your payment to you to your PayPal address. Keep it as polite and friendly as possible and then we will decide what to do if he doesn't reply or refuses.  Meanwhile I will have a look at Google earth and see if you are able to spot the gas meter outside the house to get an idea if the delivery is real. Get a screenshot
    • Santander have sent their final response and have agreed that they were in the wrong. They will be refunding me the amount I am due and £50 for the delay.  Just the interest factor would be more than double the £50 that they are offering. Thinking to just close this and move on. Is this what you would do?  Opened a FOS case on the 1st of June but haven't heard back yet. 
    • It just been delivered and ive had a live chat with p2g to get some proof of deliverey and they send me a picture of the parcel placed in a gas meter box which they class as a ' 'Safe Place'  and not placed into the hands of the buyer which is either a good thing as the buyer can claim he never received It so i can claim against p2g or a bad thing . Do p2g have coordinators when taking pictures and scanning of parcels ?  I know Royal Mail do ... I'm going to send the buyer a message and see what he says
    • Eight in ten voters support blocking bonuses for polluting water firm bosses INEWS.CO.UK Polling for i exposes level of public anger over sewage dumping  
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      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.  

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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.

      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.

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      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
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good/helpful DCA's?


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A big resounding NO!

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

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My first/current/last one started out very agressive, patronising, threatening, etc for the first few calls, the next person began very polite, simpafetic, but turned once I didn't call him back (when he said!) said he was trying to be professional about it and when I said in that case write to me, he then threatened with the lawyers. Had no more calls (yet!)

PPI reclaims:

RBS: Received stat interest on premiums - £2345, awaiting premiums refund (possible offset)

Blackhorse: Confirmed upheld, awaiting letter - circa £2k

 

Charges reclaimed:

Barclaycard £800 + 8% - Full refund

MBNA £780 (incl. 8%) - full refund

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I would assume that all debt collectors are helpful when you’re doing exactly what they want i.e. paying them in full. Funny enough they have never been that helpful to me. I wonder why that is? I’m about to start a battle with Cabot and a few others, and I’m looking forward to it.

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I thought Moorcroft and Fredricksons were both fantastic for exactly the same reasons, they both wrote a series of really threatening letters and then ran away like little girls when I wrote back, which from my viewpoint was most commendable. and as for Scot call, I thought they were brilliant because they didn't call at all.

Of course from the creditors point of view they were sh*te :D

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I cant believe I am only the DCA that does actually give out helpful advice. I do make sure debt is written off that is clearly unfair (£200 bill for £20 overdraft for example, and other silly bank stories). Also some people are not aware of the benefits they can claim, or extra help, as unless you ask about them generally speaking you wont be put forward for them. Many are not aware of the CCCS, and use companies that charge to help you with your debt.

Some people who have a clear legal case against a bank etc still years later has not done anything about it. If that is case I will say so!

I have never had a complaint against me (though I can not say the same for my colleagues).

Just wondered if I was the only one!!

(by the way I am looking for a different job, one that is an advisory role!)

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