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    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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    • Hello,

      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.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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Just Recieved A Signed Capital One Agreement


sunflower99
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I'm in, why not just rent some Boing 747's?, East midlands airport isnt to far away, that way you can ship people in from all over the world. :D

Great idea Craigbadger!

Also going by my surfing on internet seems crapital one is just as unpopular with our American cousins in crapital ones mother cointry! good old USA.Ought to suggest our American cousins organise an outing too to their local crapital offices, though dont know much about USA law and challenging agreements! There are quite a few american disgruntled facebook fans too,Noticed a few crapital One hate fan clubs on facebook :D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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I have to laugh though as i am in so much in habbit of calling Crapital One in house collecters Debitas the cag nickname Debiarse that when i do searches i sometimes forget and put in the name Debitarse instead of Debitas and wonder for a minute why i got no results! Also did the same with capital one in past and in mistake entered Crapital One! LOL and again eventually realised why nothing came up on search!! :D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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They certainly are Crapital One sent for sars eventually got them but they also included someone else`s as a added bonus now what could that be worth;)

Hi Laura cooke!

Welcome to my caggers Crapital one fan thread:)

OOOOH you could cause them a bit of grief with that little gem:D

Are you going to report them to OFT !:D and the commisoner?

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Uum well give me a few seconds to contemplate oh ok will do lol waiting to hear from a certain person on cag who had same thing it turned out to his advantage so can`t wait to hear from him:D

LOL!:D:D:D

Its getting better and better!:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Rick Astley, has just agreed to come as well......wants to know where to sign?

Good idea ! We ought to invite a few celebrities and give our outing and cause a bit of publicity!:D:D:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Yeap understood, you did mention your health in your recent PM to me - hope things are improving.

 

Regarding the PM, things gone quiet again - now its me doing the chasing :)

 

Beachy

At least its good you doing the chasing beachy and giving them a taste of their own medicine:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Not sure if anyones got an iphone but check this app out - Fonejacker. Unfortunately you cant use it while on the phone but you just hold it too the handset. Great fun.

For those that dont know its basically a load of recorded sentences in funny voices like the Ugandan [EDIT] who rings up and asks for your bank account details or the call centre kid trying to flog you a phone upgrade. Was a tv program on c4 where they rang people and had some fun with them.

Im gonna have some fun with this.

 

Fonejacker for iPhone, iPod touch and iPad on the iTunes App Store

Hi Craigbadger!

Willl have to try it!:D

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Hello, all.

 

Thanks to the marvellous Desperate Daniella I have found Sunflower's welcome thread - I received today the exact papers Craigbadger describes above, this in response to a CCA request made to Lowell/Capone. Nearly gave me a heart attack!!! But the docs being from the Leeds Losers, I should have known better :D:D:D

 

Shall have a good trawl through this thread tomorrow. Sorry to hear what everyone's been going through :evil: but good to know there is so much help & advice available.

 

Take care all,

rock on!

H.xx

HI Hwy156

Welcome on board! :D :D:D

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Hi Sunflower99 et al,

 

I have just been introduced to this amazing thread by the lovely Desperate Daniella. Have a Capital One account that was under debt management, but is now along with my other (alleged) debts with a "debt elimination" company which, by all accounts, is a bit questionable. Anyway, I have not been making payments to capital one since March or April 2009. They have been asked for a copy of the agreement, and have failed to produce a properly signed copy. Obviously since I stopped making payments they set a DCA onto me, but since I wasn't making payments to them either it has somehow gone back to the original creditor.

 

Anyway DD thinks that as the original agreement was dated as far back as 2004, it is not a valid enforceable debt so I shouldn't be paying this company 25% to write off this debt (alongside, hopefully, some others). What do you think, Sunflower?

 

Thanks a lot,

PCB

Thanks for finding my thread useful PCB:)IAs mine was back in 2003 i can not say for definite about crapital 2004 ones but a lot of other caggers commeting that they have reason to believe that Crapitalone were not any better at prducing enforceable ones in that year and likely destroyed the originals back then like they did earlier years ! You just need to see what they come up with next,I can not tell you what to do as it is up to person concerned if they want to decide if they want to carry on disputing debt or iif they want to come to a setlement,In my case seeing crapital ones repsonse to my s78 request with all the things wrong with it and the fact that i am skint and can not keep paying all these banks the horendous sums they demand .I decided to dispute them but obviously i can not say what for definite will happen in your case,If i were you in your shoes i would proably do what you do and stop paying them at least until they send you something signed so you can judge whether it is likely to be enforceable or not.and looks like our credit rating trashed anyway,They defaulted me as soon as i did a s78 request!

Edited by sunflower99
typo erors

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From what I have seen the agreements changed may 2005, those were those silly 1 sided autograph sheets with the apparent section 11 and 23. Then those iffy looking cut n paste jobs, then I presume even the cowboys that are Cap one got there acts together around 2007.

 

Can anyone tell me at what point you recieved a default notice and termination?, infact ive not had a letter off them this year, still getting the calls though.

Dont they get it that people dont like speaking to random unqualified indians about there finances?(not racial, purely the location),

Citicard I was a couple of payments behind laste last year, they called for about a week then just wrote me a letter at which point I replied, its almost like they get a buzz from trying to annoy people.

Hi Craigbadger

Crapone defaulted me as soon as i put in my s78 request!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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  • 2 weeks later...
Now, talking of paperwork, my experien report shows a settled balance as at 10/2/10!

 

I hope they didn't get this wrong! ;)

Thats great Dotty!:)

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Debt collectors hit out at advice websites | Money | guardian.co.uk

Seems DCAs are throwing their rattles out their prams:D

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If a website gave advice on how to shoplift, consumers – and retailers – would be up in arms, so how can it be right for a site to effectively encourage people to make off with money that isn't

theirs?"

I love the above quote! about sites like CAG! LOL

What about all the huge unfair charged banks take of the consumer such as charging them nearly £40 a time for a failed DD when it cost nowhwere near that to bounce a DD or the huge unfair interest rates the misold PPIs not to mention the behaviour of many DCAs with people being driven to suicide by many bank?Dcas s behaviour :mad:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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edited this post to try and put up link again

http://www.guardian.co.uk/money/2009/dec/02/credit-services-association-debt-websites

Edited by sunflower99

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strange i though i put that link up earlier about DCAs throwing rattles out thir prams!:eek: but seems to have stopped being a link so reposted it

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Well Sunflower, don't know what's happening :confused:

 

It worked when I posted and now it's not

 

Debt collectors hit out at advice websites | Money | guardian.co.uk

 

Well done Dotty! the link you put up appears to work

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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I can't get it to post up either.

 

DavidDavid

Hi David

At moment Dotty link appears to work! very strange after a while the word debt turns into a large bold letters and the link sort of breaks up!:confused:

Edited by sunflower99

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Reposting link as it seems putting message above helps to keep link!

 

Hope it stays a link now!:)

 

http://www.guardian.co.uk/money/2009...-debt-websites

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Dottys link still work but mine dosent,so if anyone wants to look at link the latest one on Dotty post still seems to be working!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Dottys one on post 1455 still working!

I will have to get you to post up all my links Dotty! :)

Edited by sunflower99

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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:lol::lol::lol::lol:

 

Anytime Sunflower, but it was more luck than judgement!

LOL! You seem to have the magic touch! Dotty:)

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Hi PCB

Yes i love reading the quotes on the article,Some people talk sense and look at the bigger picture that greedy banks and DCAs are to blame instead of trying to blame and critisise the consumer for standing up for themselves and redusing to be held to ransome by these banks behaviour and mistakes for the rest of their lives!:mad:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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Still going strong Sunflower - I haven't heard from the cr*p merchants for a while now.:cool:

Same here! Zazen warrior! !:cool:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY NOR, TO ANY COMPANY THAT YOU CLAIM TO REPRESENT.

 

Dear Sirs,

 

My position remains the same as laid out within my letter to you dated XXXXX

 

Yours faithfully

 

XXXXXXXXXXX

 

love and kisses optional.

LOL1 I love your short and sweet version! :D

A bit easier on printer ink! LOL

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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