Jump to content

  • Tweets

  • Posts

    • Hi, I need advice please, Back in November 2018 we parked at The Southgate McDonald’s/Starbucks car park at Stansted before getting our flight.I parked at Starbucks to walk to McDonald’s. I have received letters over the years and have never acknowledged any of them . I now have a CCJ against me as I didn’t think that it was real so never answered My latest letter from dcbl is a notice of debt recovery unpaid county court judgment of £347.92.I know I should have completed the CCJ.Is there anything that I can do now or should I just pay it.Thank you bingoboy
    • Hi BankFodder, Stu007 This is correct BankFodder. Thanks for all the info Stu007, very interesting reading Regards
    • Seems as if Germany has their own version of Boris🤣   ”I know that some of you are impatient with my posts about German politics, and particularly my repeated pieces on our retarded Health Minister. I get that this can seem like inside baseball, and that all of you suffer under the very similar idiocies of your own Covid politicians. But, I just can’t help myself. Lauterbach is a special case, a truly monumental idiot who in his boundless incompetence and stupidity vastly exceeds his peers. It is my aim to make him the international symbol of pandemic derangement. I want pictures of this human incarnation of everything that is wrong with masking children and force-vaccinating millions printed next to future dictionary entries on Covidianism. We have seen the enemy, and it is this sad, stupid, Smeagol-looking loser, who thinks Eric Feigl-Ding is an authority and that clip-on bowties are fashionable.”     German Media Realise Their Health Minister is an International Laughingstock – The Daily Sceptic DAILYSCEPTIC.ORG The German media are waking up to the fact that their mask-loving Health Minister Karl Lauterbach is an international...
    • Guardian readers on here  trying to ignore this 🤣🤣🤣   “Was it my imagination, on Tuesday morning, that there were more than the usual number of possible Guardian readers looking down in the mouth? I don't think so. A few of them, with that hard-to-define but easy-to-recognise look of Guardianistas, appeared unusually pensive. Had some momentous event occurred that had made them question their prejudices? Later in the morning, I stumbled on a possible cause. There was an article prominently displayed in the Guardian print edition and on its website under the byline of the paper's Economics Editor, Larry Elliott. Its headline ran: 'I've got news for those who say Brexit is a disaster: It isn't. That's why rejoining is just a pipe dream.'”   STEPHEN GLOVER: Why won't the Tories trumpet the successes of Brexit when even the economics editor of the Guardian hails its benefits? | Daily Mail Online WWW.DAILYMAIL.CO.UK STEPHEN GLOVER: The headline of Larry Elliott's Guardian article ran: 'I've got news for those who say Brexit is a disaster: It...  
    • So I ask you –"when did you first have sight of this policy containing this exclusion?" And you answer – "when I brought the policy" And then I ask you – "what is the value of the damage your caravan has sustained" and you answer that it is probably a complete write-off    
  • Recommended Topics

  • Our picks

    • 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
    • Post in Some advice on buying a used car
    • People are still buying used cars unseen, paying by cash or by bank transfer, relying on brand-new MOT's by the dealer's favourite MOT station….
      It always leads to tears!
      used car.mp4


    • Pizza delivery insurance.mp4




      Parcel delivery insurance 1.mp4
      • 2 replies
  • Recommended Topics


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5284 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


Start your own new thread

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



Recommended Posts



Have a look at Buzbys 'sticky'.........








Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Were the termination charges justified...? If you've been paying it up it may be difficult to challenge them at this late stage. Why not get your credit report and see what it says about you, then you can work out what to do to put your file on a better footing.

Link to post
Share on other sites

  • 1 month later...





any help please

I'm worse at what I do best and for this gift I feel blessed

Link to post
Share on other sites

Mobile phone bills are very hard to chalenge if you actually used the phone, unlike credit cards and loans etc... mobile contracts are not covered by the CCA.


If you dispute this bill being yours or being for the wrong amount for any reason, you are always best dealing with the original company not a debt collection agency.


If you accept this debt is yours, and you have some money squirreled away, you could maybe offer them a % as full and final settlement.

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.


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

Link to post
Share on other sites

Kinda late to chalenge, the time for that was in 2004 when the charges were first raised. I would have thought the debt would have been sold on by now, so any damage to your credit file should be coming up for retirement,but it is worth checking.

Link to post
Share on other sites

No. At this late stage the damage has already been done, and as the account is no longer 'active', you cannot be penalised again by them trying to extend the visibility of the default. You'd be able to complain to the ICO in any event should this happen.

Link to post
Share on other sites

  • 2 weeks later...

unlike credit cards and loans etc... mobile contracts are not covered by the CCA.



I'm a little confused by all the different regs, are mobile operators immune from credit agreement regs?


I only ask as my girlfriend is all of a sudden being hassled by Bryan Carter for a T Mobile debt. She beilieved it was being dealt with by Greg Pennington but she thought it was Moorcroft not Bryan Carter that was in charge then.

To cut a long story short, she doesnt remember even getting the contract in the first place as she had just come out of a long term abusive relationship and a lot of that time is a bit blurry.

So I sent a CCA request to see if we could get a copy of the agreement and Carters have basically said Its not covered by CCA and please tell us how much you intend to pay us kinda thing.


Now i discover that as per quote above Bryan Carters might be right, where do i look next? I too like a previous poster somewhere, get lost in all these threads so much help dont know where to start.


Please note they never returned the Postal Order, must check if cashed!



PS Sorry if in wrong thread, new to this.

Link to post
Share on other sites

They don;t need to operate under the CCA as they're are not offering the consumer 'credit' (ie, you're not 'buying' money). It is simply a standard service contract - however the way forward here is to tell whichever DCA is pursuing that there is no recollection of a contract and to provide as much details as possible of when/where/how etc.


Seperately, your GF should get a copy of her credit file, as she'll already have been defaulted on this. This may give further clues into the contract date and amount owed.

Link to post
Share on other sites

however the way forward here is to tell whichever DCA is pursuing that there is no recollection of a contract and to provide as much details as possible of when/where/how etc.



Thanks Buzby, is there a standard letter for what you have suggested or do I just do a general letter to that effect.


Thanks for all the advice, she will check her credit file asap.



Abs and GF

Link to post
Share on other sites

It never will drop off - just not shown to enquirers, as they current limit access to info over 6 years - but as this period COULD change, the data is never 'removed'.


Only a court can give you a CCJ after you have lost your case. As for a default, again - you can only be defaulted if you've agreed to it. As you've no agreement with the DCA, they can only view your file, NOT change, alter or modify it.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...