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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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    • 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  
    • dx100uk
      UAE debt IDR - Letter Of Claim

      By dx100uk · Posted

      AND? dx  
    • dx100uk
      IDR Letter of claim for Dubai Debt ive been paying directly to the bank for years - why are they sending this?

      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.

      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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      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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Docman

Docman

Posted
Posted
Yes, I know.

And now we all know we all know. But does Channel 4 know that we all know that we all know, if you know what I mean?

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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creditcardmug

creditcardmug

Posted
Posted (edited)
Not sure if I am allowed to say but Channel 4 news are doing some investigations into the DCA industry :cool:

 

Has anyone started a thread to debate this yet?

 

I know about this as well

Edited by creditcardmug

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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foolishgirl

foolishgirl

Posted
Posted
I know, you know, I know. :D

 

Yes, I know.

 

i didn't know :(

 

And I don't know either!!

 

This is like chinese whispers - can someone please enlighten the unenlightened, like moi?! :confused::confused:

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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fuzzybobble

fuzzybobble

Posted
Posted

Ok will reveal as much as I can at the moment.

 

 

You'll have to wait and see, but the matter is in good hands.

 

If the final result shows the DCA industry in the true light they deserve, I don't know for sure. All I know is CAG members are doing their best to provide their side of the story, and hopefully a mention of this site that then goes on to help others.

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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foolishgirl

foolishgirl

Posted
Posted

Thanks FB for some insight - just waiting to see your name up in lights, other than on You Tube that is! :D

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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foolishgirl

foolishgirl

Posted
Posted
Nothing heard here either.

 

Nor here. In fact a deafening & perhaps telling silence?

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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johnharding

johnharding

Posted
Posted

Response from OFCOM:

 

Thank you for contacting Ofcom.

Although we've noted your concerns about a perceived bias in a recent edition of Panorama, this is not a matter in which Ofcom can intervene.

While the Ofcom Broadcasting Code does contain rules restricting commercial references and undue prominence to brands in programmes, and also matters relating to impartiality, under the terms of the Communications Act these rules do not apply to BBC services.

Such matters are, ultimately, regulated by the BBC Trust, but the BBC has a formal complaints process and complaints should be pursued via that avenue in the first instance BBC Complaints - Homepage

 

So the BBC gets to regulate itself. Anything smells fishy?

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blipvert

blipvert

Posted
Posted
Response from OFCOM:

 

Thank you for contacting Ofcom.

Although we've noted your concerns about a perceived bias in a recent edition of Panorama, this is not a matter in which Ofcom can intervene.

While the Ofcom Broadcasting Code does contain rules restricting commercial references and undue prominence to brands in programmes, and also matters relating to impartiality, under the terms of the Communications Act these rules do not apply to BBC services.

Such matters are, ultimately, regulated by the BBC Trust, but the BBC has a formal complaints process and complaints should be pursued via that avenue in the first instance BBC Complaints - Homepage

 

So the BBC gets to regulate itself. Anything smells fishy?

 

a standard letter, you may as well go and find the nearest brick wall and headbutt it. You're dealing with the public sector on gold standard pensions here, no one will want to 'rock their own boat' and engage with you. Do nothing and reap the benefits.

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fiftypence

fiftypence

Posted
Posted
Response from OFCOM:

 

Thank you for contacting Ofcom.

 

Although we've noted your concerns about a perceived bias in a recent edition of Panorama, this is not a matter in which Ofcom can intervene.

 

While the Ofcom Broadcasting Code does contain rules restricting commercial references and undue prominence to brands in programmes, and also matters relating to impartiality, under the terms of the Communications Act these rules do not apply to BBC services.

 

Such matters are, ultimately, regulated by the BBC Trust, but the BBC has a formal complaints process and complaints should be pursued via that avenue in the first instance BBC Complaints - Homepage

 

So the BBC gets to regulate itself. Anything smells fishy?

 

I'm sure that's a cut and paste. I think I had the exact same response form them within 24 hours of sending in my complaint, unfortunately I thought it was such a lame response I have deleted it. :rolleyes:

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maccas-mum

maccas-mum

Posted
Posted
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?

Hi ,The patient advocate is very good but obviously not with this lot he didnt even receive a reply! I wont let them win just thinking where to go with it all next!

Leanne

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maccas-mum

maccas-mum

Posted
Posted
Ok will reveal as much as I can at the moment.

 

 

You'll have to wait and see, but the matter is in good hands.

 

If the final result shows the DCA industry in the true light they deserve, I don't know for sure. All I know is CAG members are doing their best to provide their side of the story, and hopefully a mention of this site that then goes on to help others.

I think you have just given me the next place to show first credit for what they are! My old dad would be so proud!!!

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Yyates

Yyates

Posted
Posted

Is this program a repeat? We downloaded it a couple of weeks back and i'm sure it was aired back in June/July. One couple managed to write off 100k worth of debt but because they went to court over somthing they are now 100k back in debt due to costs. One thing that puzzled me was the presenter said they are in debt because they didn't claim back all monies paid for the debt, had they done this they wouldnt have had all the court costs??? I thought you couldn't claim back what you had paid?

Lloyds TSB -Settled in full 30/08/06 :)

Now whoes next :)

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foolishgirl

foolishgirl

Posted
Posted
Is this program a repeat? We downloaded it a couple of weeks back and i'm sure it was aired back in June/July. One couple managed to write off 100k worth of debt but because they went to court over somthing they are now 100k back in debt due to costs. One thing that puzzled me was the presenter said they are in debt because they didn't claim back all monies paid for the debt, had they done this they wouldnt have had all the court costs??? I thought you couldn't claim back what you had paid?

 

As far a I am aware, the Panorama prog. was a new one. The Rankines have featured on several progs. - they seem to have become the new 'it' people for lazy TV researchers. In fact, it looks as though this might be the only way they will be able to earn a living in the future as in the eyes of the court they have overplayed the 'poor debtor' role.

 

And don't believe everything you hear on TV re. claims etc. particularly where the Rankines are involved. Stick wih CAG if you want reliable advice. :)

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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fiftypence

fiftypence

Posted
Posted

Well, well they must be reading my posts! Got a response regarding my complaint and as to be expected its pretty pathetic, usual fob off and we'll try to do better blah, blah, etc. Think I will respond by saying that I intend to withhold payment when my licence comes up for renewal next year :rolleyes:

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overdone

overdone

Posted
Posted
Hi ,The patient advocate is very good but obviously not with this lot he didnt even receive a reply! I wont let them win just thinking where to go with it all next!

Leanne

Have you got a thread going on here with all the details. If not give it a heading, "First Credit" and people on here will help you with responses on what letters to write yourself.

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

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foolishgirl

foolishgirl

Posted
Posted

The link to the thread is here OD:

 

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

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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nuthatch

nuthatch

Posted
Posted

I have had a reply to my complaint by email:

 

 

Thanks for your correspondence.

 

I'm sorry if you felt the programme was biased towards the point of view of debt agencies.

 

'Can't Pay, Won't Pay' clearly pointed out via Basil and Amanda Rankine and the lawyer from Stephensons Solicitors LLP, that errors in one's credit agreements can lead to creditors wiping out one's debt. We also made plain via Mr Henderson's case and the commercial litigation specialist Richard Kerr that creditors and debt collecting agencies are moving much more quickly towards using charging orders and forced orders for sale.

 

The one fact we were unable to provide was just how many of the forced orders for sale are actually enforced, as many debtors repay their debt at the point the order is issued.

 

Please be assured that your comments have been included in our audience log. This is circulated widely within the BBC and made available to many BBC staff, including members of the BBC Executive Board, channel controllers and other senior managers.

 

Yours Sincerely

 

BBC Panorama

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