Jump to content


  • Tweets

  • Posts

    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS polled FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the and the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
    • Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase. Unclebulgia. Yes several periods of no contact. Think its time for the SB letter . 
    • well if your not going to upload documents because you are too scared of your data being stolen and someone rocking up to you we are going to struggle to help you peoples energy data breach has nothing to do with a hosting site...
  • 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

Debt passed from A&L to DCA


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5512 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

Alliance & Leicester have passed my debt to an agency after my letter with financial statement and offer.

 

A friend has told me that as the original debt in not with the DCA that I don't have to pay the DCA. I would appreciate your thoughts on this!

 

I have spoken to the DCA informing them that I will send them a financial statement with an offer. They have requested proof of my being disabled and want a phoyocopy of a letter to this effect. I do not want to send any such documentation as this was not asked for when I applied for the loan, so why should I do this for the DCA? I do have the relevant correspondence, its not my being awkward its a matter of principal and also of privacy.

 

 

Thanking you in anticipation.

 

seeker27

Link to post
Share on other sites

  • 4 weeks later...
Sounds like one of their in-house DCAs... what are they called? The 2 I'm familiar with are Security Investigations and Global Debt Management Services Ltd.

 

Correspond in writing only....not on the 'phone.

 

This is fun...kind of! A&L passed the debt to a DCA. I corresponded with the DCA enclosing a financial statement with an amount I could afford. This has been refused by the DCA!Now A&L are also writing to me about my debt to them! Confused! I am! I will sit down later and read all the letters and respond accordingly. Has anyone else experienced similar?!?!

Link to post
Share on other sites

Alliance & Leicester have passed my debt to an agency after my letter with financial statement and offer.

I have spoken to the DCA informing them that I will send them a financial statement with an offer.:eek::eek::eek::eek::eek:

 

Please please stop talking to them over the phone,

stop talking to them over the phone,stop talking to them over the phone.

 

They will only force you into a corner you can't talk yourself out of. Get everything in writing and don't entertain them over the phone.

If you get everything in writing at least you have a paper trail of evidence, should you need to.

 

Is this the first DCA that has contacted you regarding this debt? If it is, it will more than likely be their own 'in house' DCA.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Please please stop talking to them over the phone,

stop talking to them over the phone,stop talking to them over the phone.

 

They will only force you into a corner you can't talk yourself out of. Get everything in writing and don't entertain them over the phone.

If you get everything in writing at least you have a paper trail of evidence, should you need to.

 

Is this the first DCA that has contacted you regarding this debt? If it is, it will more than likely be their own 'in house' DCA.

 

Thanks for your advice. I no longer entertain contact with any DCA on the telephone. I admit I did speak once, but it was on my terms - however it was a one off as I have been well advised by the wonderful people on this forum.

 

I shall write to both "parties" again as I believe the DCA is in-house - can't remember the name at this time!

 

seeker27

Link to post
Share on other sites

Alliance & Leicester have passed my debt to an agency after my letter with financial statement and offer.

 

I was just having another read, did A&L issue you a Default Notice? After that should come the 'We have sold your debt to'....letter, then the letter from their chosen DCA stating that they now own the debt and are seeking payment?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...