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    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
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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.

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      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.
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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Speedup and Cleanup you PC for free.


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Ok, some minor issues, but your running processes (the top list of exes) looks mostly clean. The only suspicious entry is RiskDisk, which if not causing all your issues is probably making them worse.

 

It's now cleanin' time! Please print out these instructions or copy them to a Notepad file somewhere, as we're going to be rebooting into Safe Mode with no internet connectivity, so you won't be able to read them from the forums.

 

Next, please reboot your computer in Safe Mode by doing the following :

 

* Restart your computer

* After hearing your computer beep once during startup, but before the Windows icon appears, tap the F8 key continually;

* Instead of Windows loading as normal, a menu with options should appear;

* Select the first option, to run Windows in Safe Mode, then press "Enter".

* Choose your usual account.

 

Once in Safe Mode, open the SmitfraudFix folder again and double-click smitfraudfix.cmd

Select option #2 - Clean by typing 2 and press "Enter" to delete infected files.

 

You will be prompted: "Registry cleaning - Do you want to clean the registry?"; answer "Yes" by typing Y and press "Enter" in order to remove the Desktop background and clean registry keys associated with the infection.

 

The tool will now check if wininet.dll is infected. You may be prompted to replace the infected file (if found); answer "Yes" by typing Y and press "Enter".

 

The tool may need to restart your computer to finish the cleaning process; if it doesn't, please restart it into Normal Windows.

 

A text file will appear onscreen, with results from the cleaning process; please copy/paste the content of that report into your next reply.

 

The report can also be found at the root of the system drive, usually at C:\rapport.txt

 

Please Note: One of the SmitFraud varients changes then locks the user's Windows backdrop, so the fix automatically strips this out during a clean. Consequently, you are likely to have found your backdrop removed when you reboot. Don't panic! This is expected, and you can just reset your backdrop in the usual way.

Ok. Ta. Going to try this now.

 

Riskdisk is a legitimate program which I need for my business. I can't function without it.

 

Should be back soon.

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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You are an absolute genius!!! I followed your instructions (by the way you can restart into Safe Mode with Networking which gives internet access) and I now have Spybot working beautifully!!!

 

You really saved me, because I believed that I would need to reformat and really don't want to go through that hassle!!!

 

I did a nslookup for safer-networking.org and it gave the same results with P/i/s/s/Net's pathway bit, but the Ping worked, so I tried installing and it worked - and downloaded updates!!!

 

In case anything else needs doing the rapport.txt is copied below:

 

SmitFraudFix v2.423

 

Scan done at 11:14:03.04, 24/08/2009

Run from C:\Documents and Settings\User\Desktop\SmitfraudFix

OS: Microsoft Windows XP [Version 5.1.2600] - Windows_NT

The filesystem type is NTFS

Fix run in safe mode

 

»»»»»»»»»»»»»»»»»»»»»»»» SharedTaskScheduler Before SmitFraudFix

!!!Attention, following keys are not inevitably infected!!!

 

SrchSTS.exe by S!Ri

Search SharedTaskScheduler's .dll

 

»»»»»»»»»»»»»»»»»»»»»»»» Killing process

 

 

»»»»»»»»»»»»»»»»»»»»»»»» hosts

 

 

127.0.0.1 localhost

 

»»»»»»»»»»»»»»»»»»»»»»»» VACFix

 

VACFix

Credits: Malware Analysis & Diagnostic

Code: S!Ri

 

 

»»»»»»»»»»»»»»»»»»»»»»»» Winsock2 Fix

 

S!Ri's WS2Fix: LSP not Found.

»»»»»»»»»»»»»»»»»»»»»»»» Generic Renos Fix

 

GenericRenosFix by S!Ri

 

 

»»»»»»»»»»»»»»»»»»»»»»»» Deleting infected files

 

 

»»»»»»»»»»»»»»»»»»»»»»»» IEDFix

 

IEDFix

Credits: Malware Analysis & Diagnostic

Code: S!Ri

 

 

 

»»»»»»»»»»»»»»»»»»»»»»»» Agent.OMZ.Fix

 

Agent.OMZ.Fix

Credits: Malware Analysis & Diagnostic

Code: S!Ri

 

 

»»»»»»»»»»»»»»»»»»»»»»»» 404Fix

 

404Fix

Credits: Malware Analysis & Diagnostic

Code: S!Ri

 

 

»»»»»»»»»»»»»»»»»»»»»»»» RK

 

 

»»»»»»»»»»»»»»»»»»»»»»»» DNS

 

Description: ULi PCI Fast Ethernet Controller - Packet Scheduler Miniport

DNS Server Search Order: 212.159.13.49

DNS Server Search Order: 212.159.30.50

 

HKLM\SYSTEM\CCS\Services\Tcpip\..\{8D4CAFEE-A4D1-47D9-BBD1-30A05E01FA56}: DhcpNameServer=212.159.13.49 212.159.30.50

 

 

»»»»»»»»»»»»»»»»»»»»»»»» Deleting Temp Files

 

 

»»»»»»»»»»»»»»»»»»»»»»»» Winlogon.System

!!!Attention, following keys are not inevitably infected!!!

 

"System"=""

 

 

»»»»»»»»»»»»»»»»»»»»»»»» RK.2

 

 

 

»»»»»»»»»»»»»»»»»»»»»»»» Registry Cleaning

 

Registry Cleaning done.

 

»»»»»»»»»»»»»»»»»»»»»»»» SharedTaskScheduler After SmitFraudFix

!!!Attention, following keys are not inevitably infected!!!

 

SrchSTS.exe by S!Ri

Search SharedTaskScheduler's .dll

 

 

»»»»»»»»»»»»»»»»»»»»»»»» End

 

No problem. If you recognise and trust it, you can leave it there.

Good, because the last thing I need is to lose Riskdisk! Business isn't going to well anyway, don't need more hassle!

Edited by legalpickle
almost simultaneous post by Tezcatlipoka

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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You are an absolute genius!!! I followed your instructions (by the way you can restart into Safe Mode with Networking which gives internet access) and I now have Spybot working beautifully!!!

 

Fantastic news! Glad we managed to track down your problem (in this case one or more of the SmitFraud variants) and fixed it. You should be clean now, but now you've got it working, don't forget to run a full Spybot scan. Once that's done, your system should be in pretty good shape.

 

Regarding the programs I got you to run, you can either leave them installed or uninstall them.

 

SmitFraudFix is specifically just for the SmitFraud malware, so pretty specialised. You seem pretty PC savvy, so you might want to leave HiJackThis on your system. The last two, Malware Byte's Anti-Malware and CCaeaner are both great little programs, and totally safe. I'd advise not only leaving them there, but adding them to your list of programs to give your PC a spring clean.

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Fantastic news! Glad we managed to track down your problem (in this case one or more of the SmitFraud variants) and fixed it.

 

Regarding the programs I got you to run, you can either leave them installed or uninstall them.

 

SmitFraudFix is specifically just for the SmitFraud malware, so pretty specialised. You seem pretty PC savvy, so you might want to leave HiJackThis on your system. The last two, Malware Byte's Anti-Malware and CCaeaner are both great little programs, and totally safe. I'd advise not only leaving them there, but adding them to your list of programs to give your PC a spring clean.

Thanks for your time.

 

I'm keeping HiJack This. I already had CCleaner installed. I have previously needed Smitfraud Fix, so I'll keep it just in case. I already uninstalled Malwarebytes because it's apparently a trial, I believe.

 

I would rep you here, but unfortunately you can't rep posts in the Bear Garden!

Edited by legalpickle
stupid no rep option in bear garden!

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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One thing before using Spybot is to do a little setup.

 

At the top click 'Mode'

'Advanced Mode' and answer the little pop up

Down the bottom click 'Settings'

'Ignore Products'

 

Scroll down to 'Cdilla' and untick it and then 'Sidestep' and untick that.

 

The definition of spyware is something that puts itself on your computer without asking permission and sends information back to the owner. These to do that, but have threatened Safer Networking with court and claim they aren't spyware. Safernetworking being supported by donations (just like cag) can't afford to take them on so have left it in the list but ticked it as ignore.

 

Next go back to the very top and click Spybot S&D and you're back into the front page and ready to do a clean.

 

Don't forget to do updates and to immunise.

Edited by Conniff
Typo correction
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I would rep you here, but unfortunately you can't rep posts in the Bear Garden!

 

In an act of shameless self-promotion I suggest you visit one of my non-Bear Garden posts, such as this one, and rep me there. In fact, everybody reading this thread should do the same, just because I'm great. :)

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One thing before using Spybot is to do a little setup.

 

At the top click 'Mode'

'Advanced Mode' and answer the little pop up

Down the bottom click 'Settings'

'Ignore Products'

 

Scroll down to 'Cdilla' and untick it and then 'Sidestep' and untick that.

 

The definition of spyware is something that puts itself on your computer without asking permission and sends information back to the owner. These to do that, but have threatened Safer Networking with court and claim they aren't spyware. Safernetworking being supported by donations (just like cag) can't afford to take them on so have left it in the list but ticked it as ignore.

 

Next go back to the very top and click Spybot S&D and you're back into the front page and ready to do a clean.

 

Don't forget to do updates and to immunise.

Thanx Conniff, that's VERY useful to know!!! You got rep for that useful tip, as well!

 

In an act of shameless self-promotion I suggest you visit one of my non-Bear Garden posts, such as this one, and rep me there. In fact, everybody reading this thread should do the same, just because I'm great. :)

:D Did so before I saw you posted this, but went through your posts in your profile, till I found something out of the Bear Garden.

Edited by legalpickle

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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Tez get's a second rep click elsewhere because he also solved my Google issue at the same time. I can now click on Google links without getting craploads of advertising!

 

Uh, oh, I've got to give some more people rep before I can rep Tez again! What a stupid rule! Don't worry Tez, won't forget!

Edited by legalpickle
stupid rule about spreading rep around! what if there's nobody else who deserves rep???

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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A nice website for testing the power of your computer:-

 

 

Computer Power Test

 

 

 

 

 

 

 

 

 

 

P.S. If you've visited and are now groaning at the rubbish joke, sorry :p

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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No comment!

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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  • 11 months later...

Some of the software I have in my arsenal when fixing machines is:

 

* Ubuntu: Free, boots your machine up without using Windows. Very handy for diagnosing some hardware faults. Ubuntu also contains a program called MEMTEST86 which can be used to test your RAM for faults.

http://www.ubuntu.com/desktop/get-ubuntu/download

 

* Jellybean's Key Finder: Free, great for backing up your licence keys for software you've bought. I use this for getting licence keys before destructive restores so I can install software back on the original licences.

http://www.magicaljellybean.com/keyfinder/

 

* Malwarebytes' Anti-Malware (MBAM): Free, great for removing almost all malware from your machine. Don't forget to get this scanning in Safe Mode as normal scan is not enough.

http://www.malwarebytes.org/mbam.php

 

* avast! antivirus: Free - what more can I say?

http://www.avast.com/free-antivirus-download

http://www.avast.com/registration-free-antivirus.php

 

* HijackThis: Free, be sure to get someone who knows what they're doing with this - you CAN destroy Windows. Used after MBAM for extra safety.

http://download.cnet.com/Trend-Micro-HijackThis/3000-8022_4-10227353.html

 

* Sea Tools: Free, used for scanning hard drives for faults. If you get at least ONE error - scrap the hard drive and get a new one.

http://www.seagate.com/www/en-us/support/downloads/seatools

Edited by cerberusalert
Forgot to mention all tools listed above are completely free
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CCleaner is for cleaning up the Windows Operating System.

 

 

It will clean out a 'memory dump file' which is completely different and has nothing at all to do with optimising the memory.

 

 

A memory dump file is just that, a file created to record problems that might occur and you can look at if you are having a problem or BSOD.

 

The following will cause a write to a memory dump file:

 

  • STOP Error
  • DLL Error
  • RAM Hardware Problems
  • Memory Allocation Error
  • HIVE crash
  • COM Error
  • Outlook Errors

Edited by Conniff
Some info no longer relevant - Post 64 edited.
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OK I apologise for that about CCleaner - I've got that muddled up with something else by a similar name. I still stand by what I say about optimising RAM - If something claims to optimise memory avoid it.

 

As for the registry and RAM I'm full aware they're different entities and was not referring to optimising RAM but was referring to the registry cleaning side of it.

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Ccleaner will only clear out 'unused' registry keys and the fragments left behind when a program or application is uninstalled.

 

I will, however, agree with you on RAM optimisation programs. Windows is very efficient at managing the memory and have got better as the newer versions have emerged.

Windows 7 has one of the best memory managers available and all these other so called memory managers are either a con or not required.

Edited by Conniff
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Wow! First time I've ever been on a forum where incorrect posts are edited out - I held back from doing so because many other forums I visit this is frowned upon.

 

If you'd like to edit my post that would be great and appreciated.

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  • 1 month later...
  • 8 months later...

Another good one is Malwarebytes, there are both free and paid versions available, the free one is available from malwarebytes dot org, unfortunately I can't post links yet.

 

I use this and Avast as my primary defences along with PrevX and Lavasoft AdAware

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A lot has changed since this was first posted and will be updated very soon with some good stuff and some really good malware prevention and cleaning.

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  • 1 year later...
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