Jump to content


  • Tweets

  • Posts

    • Hello, welcome to CAG. Can you tell us more about what happened please? Who stopped you and which shop? Best, HB
    • You don't mention what the debts are, which is important, as it really depends on the details in deciding best course of action. So list types of debt e.g credit card, type of loan, utility bill; current owner bank or dca; approximate amount for each debt.  And do you own any property assets. There is no blanket advice regarding all types of debts. Whoever you contact regarding debt advice would want to know all of the information. The debt buying businesses deal with multi billions worth of debts. They can't issue Court claims for most debts as the cost of pursuing would be ruinous and don't have staff resources. Instead they rely on credit records being impacted and therefore people need to resolve the debts. And they rely on anxious debtors paying amounts after receiving threatening communications. If you know you are likely to be made redundant, start looking for other employment soon. Due to longer recruitment processes being followed by employers, it can take about 3 months between applying and starting a new job.
    • 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. 
    • 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 
    • 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.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

1st Credit get a mention in the Sunday Times (SD's)


blipvert
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5613 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

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

 

Thanks

Recommended Posts

  • Replies 117
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

“It will be a busy time for the debt collection industry,” he concluded, “and a busy time for economic journalists.”

 

It will also be a very busy time for CAG. But then we're already geared up for it and are already recuting the people who will use the knowledge to help others in the future.

 

When it comes to a recession we've been preparing for the last 2 years.

 

Now it's our turn to tell the big boys where to go. And have the law, and media on our side for a change.

 

It's taken a long time, but the tide is turning. :D Are we going to make the most of it? You bet we are.

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

Link to post
Share on other sites

flintstones1960: Have also posted a reply & mentioned CAG - they dont appear to be on any hurry to update them tho

 

SD:

I'm a bit dubious about the efficiency of these newspaper message boards- I've contributed to other articles a lot less contentious and things haven't appeared so it may be just a server prob they have rather than censorship.

 

That said posts supporting the articles do seem to get on there quickly before any cut off point arrives and in this case the contributors 'supporting' the debt collection process are obviously DCA employee drones. A tip-off to First Credit from the venerable Times, anyone? lol

 

As to whether anyone reads these post-article comments and takes them seriously anymore, I dunno. I stopped years ago. Nothing lost trying to plug the CAG message on them tho...

Link to post
Share on other sites

I remember a whille ago in one of the papers that Dispatches on Channel 4 were asking for people who had been affected by a DCA to e mail them, now this was a while ago, and I know a few people had suggested contacting Watchdog.

 

It was before I joined CAG

Im learning more every day :)

Link to post
Share on other sites

I remember a whille ago in one of the papers that Dispatches on Channel 4 were asking for people who had been affected by a DCA to e mail them, now this was a while ago, and I know a few people had suggested contacting Watchdog.

 

It was before I joined CAG

Im learning more every day :)

Link to post
Share on other sites

These ridiculous conferences are just debt-porn for the DCAs, aren't they?

 

Lots of grubby men in cheap suits masturbating furiously at the torrent of bullsh1t flowing from their speakers' lips. I bet Nathoo's feeble attempt at humour gave them a little extra frisson...

 

The reality, of course, is that all this grandiose posturing is part of the turd-polishing way the debt industry seeks to delude itself and the outside world that their fantasy world (the one where they're all compliant) is reality. I think some of them have convinced themselves - vide the delusion that they act in a 'lawful, justified and necessary' way, rather than a parasitic industry that exists to exploit the misfortunes of others. Who do these cretins think they are - Crusaders trying to stem the hordes of evil debtors?

 

'Sumptuous Gala Dinner' - a festival of ready-made bow ties and hideous dresses worn by people who look as if they'd be more comfortable at a 'restaurant' where they ask if you'd like fries with that, judging by the images of previous events. No doubt the finest cook-and-chill food and vats of Lambrini were served. Some of the attendees look as if they found cutlery a novelty. Still, let's look on the bright side - the money spent on these absurd celebrations didn't get sent to the DCAs offshore investors.

Link to post
Share on other sites

Just emailed the reporter of the ST with all my gripping details of them losing the SD and paying me loads of costs.

Lets see what happens!!!

 

HAK

Link to post
Share on other sites

Just emailed the reporter of the ST with all my gripping details of them losing the SD and paying me loads of costs.

Lets see what happens!!!

 

HAK

 

That's what I like to see. The more of us who try to get these parasites exposed for what they really are, the better.

 

In the current climate where DCA's and struggling peeps are what the media are looking for, as we are now suddenly fashionable, then we have to strike, and give them a good kick while the media wants stories from people getting the crap from DCA's, banks, and the government.

 

We have the ammo and lots of stories and experiences to give them.

 

If we don't get a DCA shut down in 2009, then we're not really trying. Once we get the first victory, then it will inspire a lot more to join in. Then at last, ordinary people can make a big difference. Not just with DCA's but in a lot of unjust situations in life.

  • Haha 1

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

Link to post
Share on other sites

Wouldn't that sort of action get the site dangerously close to needing a consumer credit licence?

 

I wouldn't have thought so, we don't provide credit. We're a club who have an interest in consumer rights.

Link to post
Share on other sites

how much would it take for a decent sized ad to be taken out in these papers advertising CAG and the services offered here for free?

 

they couldn't censor that,could they? ;)

 

Dunno about censorship but I think cost might be the issue here (anyone know what scc stands for ?).

 

http://mentor.xssl.net/~admin412/wp-content/uploads/daily-mirror-ratecard.pdf

Link to post
Share on other sites

perhaps an approach where an ad was placed in papers with local circulation might be more suitable when it comes to cost?

 

I know I would have no problem placing an ad at my own expense in my local rag to raise the profile of CAG with people who wouldn't otherwise be aware,and who are really under the cosh of DCA's and don't know where to turn......

Link to post
Share on other sites

I find it amazing that 1st Credit fobbed off the Sunday Times with an almost identical feeble excuse to that which they used on Panorama.

It's one word, four letters:

DEBT. Stigma and preconceptions.

Economies have it, countries have it, banks have it, companies have it - and that's acceptable?

Yet old Mrs Jones down the road gets a bill she doesn't owe from a 'debt collector' for £50... now that's an entirely different thing.:mad::mad:

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!!! :)

Link to post
Share on other sites

It's one word, four letters:

DEBT. Stigma and preconceptions.

Economies have it, countries have it, banks have it, companies have it - and that's acceptable?

Yet old Mrs Jones down the road gets a bill she doesn't owe from a 'debt collector' for £50... now that's an entirely different thing.:mad::mad:

Interesting point.

 

Another round of the same word game is that is credit when you take it out, it only becomes debt when you need to pay it back!

Link to post
Share on other sites

Maybe the solution (cheaper and less likely to invite licensing problems) would be letters to local papers, even try and get some editorial coverage.

 

Local papers are less likely to be dependent on financial advertisers (unless you count the property pages) and more likely to be community minded.

 

Not sure how this would best be done in practice but I throw it out for consideration.

Link to post
Share on other sites

 

Quote:

Originally Posted by Kraken1 viewpost.gif

Wouldn't that sort of action get the site dangerously close to needing a consumer credit licence?

 

 

I wouldn't have thought so, we don't provide credit. We're a club who have an interest in consumer rights.

 

Licences are needed for other things aside from providing credit; debt collection, debt counselling, credit information services, being a credit reference agency, debt administration (?). There is a leaflet on the oft website about it all.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...