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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      By Sach45 · Posted

      Hi I was caught shoplifting 4 items £20 worth, I’m petrified the Police will come to my house now please can you help. What can I do I worried about my job. 
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      Idr/J&P Emirates NBD - credit card in Dubai

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      I heard nothing more from J&P but have now had an email from the bank saying they have instructed IDR to act on their behalf?  so are they just passing it back? Selling it on again? I don’t know if this is a good or bad thing 
    • SPM87
      Advice and insight please

      By SPM87 · Posted

      I posted a couple of years ago about our debt situation and have been trying to pay off our debt as best we can. It is a possibility I maybe made redundant in a few months time, so I am trying to find out everything I can about what happens in today’s world when you can’t pay. I keep finding conflicting advice on various sites so I wanted to post this quote to get thoughts. It claims basically that the dca will likely get enforceable documents these days and therefore it’s likely you will have to pay dca at some point during the 6 year process.    on here I read a lot of comments assuming the exact opposite of this. A lot of the threads on here state the beginning of the process but I never see conclusive stuff about what happened from start to finish to get insight into whether debts post 2015 have been enforced etc. I hear a lot here not to pay dca companies but most my debts are post 2015 debts I am all up to date on our debts but if I lose my job it is likely I’ll end up where I tried to avoid in the first place. Which is destroying our files and dealing with DCA. I’ll post it below so you can see what I mean.   It is likely that any debts incurred after 2007 will end up with all the documentation being provided and being enforceable. Therefore you should use the time while awaiting responses going through your Income & Expenditure and considering any possiblity of making a full and final settlement. It can take a number of months to reach the stage of a hearing date and exchange of witness statements and normally you would be able to settle or come to an arrangement to pay before the court hearing, once documents have been provided, although this isn’t guaranteed.
    • dx100uk
      Judge & Priestly

      By dx100uk · Posted

      depends who said sols state their client is. IDRWW vis~IDR(worldWide) are a debt collector regulated & registered in the UK & USA    they are not solicitors. they use various 'for hire' - here use our letterhead paper tiger solicitors. its just a case of who's stupid enough to join their folly. IDR law used to be their fav but they lost do much money, they broke ties after almost being struck off and now do Will/Probate disputes only. IDR Legal are their sols wing. moriarty law Judge and priestly Taheel - a foreign DCA that use absolutely any trick in the book to extort money even pretending to be any of the above inc being the bank themselves in phone calls.           
    • dx100uk
      ENBD/IDRWW/IDR Legal - letter of claim now statutory demand

      By dx100uk · Posted

      And? dx  

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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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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Attention: the Rankines Panorama BBC1 20:30 10/11/2008

robcag

By robcag
in Debt Collection Agencies

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because no one has posted on it for the last 5661 days.

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Please click the "Report " link

 

at the bottom of one of the posts.

 

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

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fuzzybobble

fuzzybobble

Posted
Posted

No probs, I have the whole thing saved and busy editing it to be more truthful, and instead of making peeps angry, it will make you laugh. Will take time to finish, as I'm doing two other video projects at the same time.

 

But as my grandad always said, "The best things come to those who wait."

 

I'm not like mainstream tv. To me quality is more important that quantity. That's why I haven't made a reality tv show, and never will.

 

Not until my, "Staff from 1st Credit appear on Judge Judy". Youtube movie.....About to appear on a CAG thread link soon. :D Uncle Bob's mum even took time out to appear on 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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MARTIN3030

MARTIN3030

Posted
Posted

Maccas-Mums posts moved into sep thread for guidance.

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/169015-maccas-mum-panorama-first.html

  • Haha 1

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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maccas-mum

maccas-mum

Posted
Posted
What the hell was that guy from first credit on about when he said to the woman over the phone that the section papers don't prove mental illness?!

 

Section papers firstly are a legal document, secondly for anyone to be sectioned under the mental health act is absolute proof of mental incapacity, you can only be sectioned if you are completely mentally incapable! That is the reason the law and sections under the law exists, in order to force mentally ill patients into treatment if they are mentally incapable of admitting themselves and their illness could cause harm onto themselves or others.

 

what a complete idiot, I've never met a person yet who thinks someone who has been sectioned is mentally capable. Prat. That's not poor training, that's complete ignorance and idiocy.

Hi there,You are completely right i am the person involded in the program and what the programme didnt show whilst i was recording the telephone call was the muppett from first credit saying i could obtain a section from anywhere! aswell as them agreeing to lower payments then going back on it,

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overdone

overdone

Posted
Posted
Hi there,You are completely right i am the person involded in the program and what the programme didnt show whilst i was recording the telephone call was the muppett from first credit saying i could obtain a section from anywhere! aswell as them agreeing to lower payments then going back on it,

Welcome to the forums and for posting that information. Typical 1st credit I am afraid. I have been with them, battling it out for four years and they are not only ruthless but they take absolutely, no notice of anyone, Trading Standards included. In mental Health, you have access to an Advocate and they usually know who to contact. Have they been helpful?

If my post helped you feel better, click my scales.

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bergebabe

bergebabe

Posted
Posted

hey peeps, i am the other woman that appeared on the panorama show. like maccas mum some info was not put in and other parts were just wrong. like ignoring their calls so they took me to court - never happened but on the phone they were un moving with the monthly payments. also attempted to get case moved to my local court - this was refused by the courts so i couldnt represent myself.

 

there was also a post on here saying the situations shown werent of real people - because my dad eventually paid the debt for me - on his credit card, which he is still paying back (i pay him for him to do so), i can assure you my situation was vey real. My father who paid the debt was diagnosed with cancer at about the same time and had a laregectomy (voice box removed) and now doesnt work so it is a huge strain on him to have my debt round his neck. when i was in the situation a couple of years ago i went down loads of held avenues such as national debt line etc and all advised action did nothing - the court was unswerving as were grrenhalghs.

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rory32

rory32

Posted
Posted

Do you have a thread running on your situation bergebabe? I assume the escalation of the debt was true in which case the charges added to the debt can certainly be claimed back.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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hillards

hillards

Posted
Posted
...i went down loads of held avenues such as national debt line etc and all advised action did nothing - the court was unswerving as were grrenhalghs.

 

Should've gone to Specsa... erm - CAG!

 

Start a thread, let people here help - and they will, if you'll let them.

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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bergebabe

bergebabe

Posted
Posted

yes i started a thread about an unrelated matter involving cabot which has just reared its ugly head after three years of being paid every month.

 

i mentioned the panorama thing and a suggestion was a SARS which i now need to look into and try to gain some understanding of. i really wasnt thinking of dragging this up again as have put it behind me - i did the show to stop others getting involved in similar situations - but if there is a possiblity of claiming back money i will have to look at it - maybe finally be able to clear the debt in my dads name!

 

this site really is great - people are really supportive and helpful, however, it is a lot to take in and there are so many posts to read through!

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hillards

hillards

Posted
Posted
this site really is great - people are really supportive and helpful...

:D - True

...it is a lot to take in and there are so many posts to read through!

Take your time. Some of us have been here years and are still picking up very useful information. Just a pity the BBC, and others, don't seem to want the general public to know what CAG is about.

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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rory32

rory32

Posted
Posted

i mentioned the panorama thing and a suggestion was a SARS which i now need to look into and try to gain some understanding of.

If you haven't already, start by reading the FAQ's here. The principles are the same for reclaiming penalty charges whether they are on an HP agreement or a bank account or credit card.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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bergebabe

bergebabe

Posted
Posted

i suppose the real question is whether i would actually be entitles to anything - you see the original credit agreement detailed a total to be repayed of £4300 ish. as i ended up paying £4700 a lot of the court fees etc that had been added to the debt and solicitors fees had been effectively written off. the sum of £1700 was the cost of the sofa if i had paid it in full within the years interest free period, but once the year was over they backdate the interest for that year as well. incidentally i had attempted to pay the debt in full about a week after the first year was over - i had miscalculaed the date and they dont write to remind you strangely enough. they wouldnt accept the payment.

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overdone

overdone

Posted
Posted
however, it is a lot to take in and there are so many posts to read through!

Yes, it does make your head spin but please start your own thread and define where you are at and people on here can help you digest it in bite size pieces. It will be nice for you to find out how you can get some of your own back.

If my post helped you feel better, click my scales.

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sosumi

sosumi

Posted
Posted
:D - True

 

Take your time. Some of us have been here years and are still picking up very useful information. Just a pity the BBC, and others, don't seem to want the general public to know what CAG is about.

My head spins all the time Bergebabe - only CAG has helped me make sense of anything! Glad to see you here :) xx

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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dannyboy660

dannyboy660

Posted
Posted

I'm not sure if this has already been mentioned on this thread, but many people don't seem to be aware that First Credit is owned by Bridgepoint, although they have been trying to ditch it for some time.

 

Bridgepoint looks to sell 1st Credit - source | Reuters

 

Bridgepoint | Financial services

 

They will get away with their bad business time and time again. Why?? well just take a look at the list of people behind Bridgepoint and see if a name jumps out at you.

 

Bridgepoint | Advisory Committee

 

They are some of the same people who stand in the Commons (and the Lords) raging against DCA's, Purchasers and the like because of the way they treat people in difficulties. They make all the right noises in public and tell you what to want to hear, while all the time they are raking in the profits from the very same companies they 'chastise' for causing misery and sometimes suicide amongst ordinary people.

 

It's pity this fact wasn't broadcast - but then it's no great surprise.

 

Actions speak louder than words.

  • Haha 1

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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foolishgirl

foolishgirl

Posted
Posted

They are some of the same people who stand in the Commons (and the Lords) raging against DCA's, Purchasers and the like because of the way they treat people in difficulties. They make all the right noises in public and tell you what to want to hear, while all the time they are raking in the profits from the very same companies they 'chastise' for causing misery and sometimes suicide amongst ordinary people.

 

It's pity this fact wasn't broadcast - but then it's no great surprise.

 

Correct - no surprise on either count!

 

What dos surprise me is that CAGers are able to come up with these valuable snippets of information with the limited resources to which most have access & yet BBC researchers with their infinite access to news archives etc. can only produce the Rankines & Greenhalghs to include in a so called responsible factual documentary!

 

Well spotted articles, dannyboy, excellent reading....:)

  • Haha 1

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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redsue

redsue

Posted
Posted
Pity we can't form our own production team, research, write and get a video crew in to produce and edit and then sell in to TV companies and radio stations.
thenerve.tv

 

I signed up to be an executive producer for this concept (although I'm a 'silent' one - don't have the time to really get involved) go and have a read at the concept behind this site. It might be worth getting in touch with Mark Bowness :)

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Josie8

Josie8

Posted
Posted
thenerve.tv

 

I signed up to be an executive producer for this concept (although I'm a 'silent' one - don't have the time to really get involved) go and have a read at the concept behind this site. It might be worth getting in touch with Mark Bowness :)

 

 

Good idea

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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fuzzybobble

fuzzybobble

Posted
Posted
I know you know :)

 

I know, you know, I know. :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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