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    • You misunderstood how long does bt have to produce the requested d ocs here?    Agreement start date: 19/06/2014 • Application address: Flat 4, 3 Kempsford Gardens • Tariff Description: Phone BB Hardware • Disconnect Reason: Cessation by BT • Original Creditor: BT Retail Consumer • Mobile Number:02078351401 ( this is a landline ) • Client last payment date: 16/12/2014 • Client last payment value: 86.16 this is not £499.00  • Default date: 27/08/2015, this doesn't square with last pay date.  • Airtime Debt Value:257.94 • Early Terminate Fee:241.99, can they charge this?  • Billing Date:27/03/15 If no response within statutory time,  what can i do to get lowell remove credit report? Can you explain the implications of the response and the  SAR as far as Lowell being able to collect the debt? - they can ask or issue PAPLOC/courtclaim.  I attached the sar is this enuf info to prove lowell has any legal rights?  
    • I don’t see all the posts on this thread, so don’t know if there is a context in which HB is posting / replying, but it is always a pleasure to respond to HB.   The issue the experts raise in that article is that passengers aren’t being offered the opportunity to “disembark and go into quarantine”. ‘Preventing travellers disembarking and travelling without restriction’ has been permissible for a long time : the phrase ‘quarantine’ arises from the 40 days people were quarantined from vessels approaching Venice in the 14th Century. https://www.cdc.gov/quarantine/historyquarantine.html   What you would wish to avoid is “importing new susceptibles”.   Cruise lines have established policies for these situations : norovirus outbreaks are a problem for cruise, lines based on similar transmission dynamics (large droplet spread contaminating shared areas), with control measures including enhanced environmental cleaning and restricting passenger cases to their cabins.   Crew are a different story, as they live in much higher density cabins. My expectation is that affected crew will be ‘cohorted’ in an “infected crew cabin”. Air conditioning shouldn’t be an issue, as the virus isn’t spread by ‘aerosol’ (like flu), but by droplet. Plumbing would be more of a concern (as it was with SARS) https://www.who.int/mediacentre/news/releases/2003/pr70/en/   until more is known of Covid-2019’s transmission and infect I ITU. Sampling for those meeting the case definition initially included urine and stools samples. This was never realistically going to happen for the majority of those meeting the case definition (as few will be admitted to hospital, and if seen in A&E and not needing admission they’ll be sent home ASAP) For those admitted, the stool and urine would have had to be collected & sent in the period before the initial test result came back : negative & there would be no need, positive (and needing to be in hospital)  and they’d be whisked off to one of the specialist units.....   Perhaps in recognition of this, the initial test set no longer includes stool and urine.   For the confirmed positives (9 so far....) the reference lab advises on ongoing sampling : they say “we’ll tell you what to send and when”, so it isn’t clear if they are asking for stool and / or urine, and if so, when ; either from the specialist units, or the recovered cases (at home).
    • they told her the documents  will be sent to her and far as know signed nothing, have just tried talking to her and tbh  think she may have been s c a m e d ? I can not find anything on this company , all the money she sent them was bank transfer, no idea how she did it tbh , I am only someone who knows her but  from what she said  she sent them money for insurance, first installment and couple of other payments, so basically     taking what money she had. She has checked her account and nothing as yet  paid in, the gave her a  transaction number
    • Yes, that should have said "some" gas boilers have a pilot flame on all of the time.   I do wonder about these smart meters.  I have refused to have one installed and won't until I am satisfied that some of the issues have been resolved.
    • It is that it? No email address or number?  the mobile number of the guy who sold me the car is appearing in search for car business. Looks like these guys move around a bit?   i still have that mobile number, I might send a txt or call tomorrow. I really need my service manual. The car is ejecting blue smoke out the back, it was on previous MOTs and clearly not fixed. I actually love the car, just need my documentation and an honest answer about its “full service” so I can pay a trusted garage to fix and repair. Hopefully!   thanks dexter
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missy

Missy - v - 1st Credit

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Spot on MC, although it pains me to type it :(

 

:evil: At stupid judge for moving the goalposts!

 

But, I'm learning thanks to you guys 'n' gurlz and that's gotta be worth a big smiley :-)


The villany you teach me, I will execute, and it shall go hard but I will better the instruction.

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Hi

 

Just an update on this situation. 1st Crud tried again to pass this on to a different DCA. I seemed to have put the brakes on that again by using letters found in the library.

 

As previously mentioned !st are still reporting this to CRA and I have a big black D every month since March 2009. Can I clarify that if I am prepared to sit this out then I only have untill Mar 2015 where the alleged debt becomes statute barred.

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SB comes in to play in most debt situations if you haven't acknowledged the alleged debt in writing, or paid anything off the alleged debt for six years... CAG does not advocate debt avoidance but we can, where possible, give you the information to help and/or seek help from appropriate organisations such as national debtline or CAB. If the debt collection agency, in this case 1st credit, breach your rights under the OFT guidlines, CPUTR 2008 or UCPD 2005/29/EC please report them to Trading Standards and the OFT via consumer direct because they are/were under OFT sanctions for unfair debt collection processes including issuing Statutory Demands and using the insolvency services as a method of debt collection that the OFT are very concerned with.


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Another update on this long running saga. Every once in awhile !st try all different permutations of threats. The latest one is to now threaten me with bankruptcy proceedings. I would like to now make a formal complaint against them and maybe even ask for a 3rd party to resolve this. Who would be the body that I complain to?

 

Thanks

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Another update on this long running saga. Every once in awhile !st try all different permutations of threats. The latest one is to now threaten me with bankruptcy proceedings. I would like to now make a formal complaint against them and maybe even ask for a 3rd party to resolve this. Who would be the body that I complain to?

 

Thanks

 

Formal complaint to 1st Credit followed by a complaint to the Financial Ombudsman service, if you're unhappy with 1st Credit's final response to your complaint. It will cost 1st Credit a case management fee of £500 (I think) if you do refer to FOS.

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As far as I'm aware the above response is correct although, of late, I have not kept up with OFT guidelines as I have been involved with multiple groups/organisations etc. mostly regarding the Welfare changes that IDSIOT is hell bent on bringing in to the very real and severe detriment to the very poorest and most vulnerable people in our society...


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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the fos will not decide as to whether your agreement is enforceable or not only a court can do that. They will however decide as to whether 1st C have treated you fairly or not following an unsatisfactory respose to your formal complaint


PLEASE HELP US TO KEEP THIS SITE RUNNING

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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the fos will not decide as to whether your agreement is enforceable or not only a court can do that. They will however decide as to whether 1st C have treated you fairly or not following an unsatisfactory respose to your formal complaint

 

Allegedly, 1st credit do not like Trading Standards, the OFT (had them under a list of sanctions for ages, not sure if they still have), FOS and they're scared s***less by the new version coming in with more teeth in April 2014 :)


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Allegedly, 1st credit do not like Trading Standards, the OFT (had them under a list of sanctions for ages, not sure if they still have), FOS and they're scared s***less by the new version coming in with more teeth in April 2014 :)
so best way forward then to link your complaint to the OFT debt collection guidelines and consequently CPUTR2008 breaches, and then complain to the FOS and TS:lol:

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Ask 1st credit about the UCPD 2005/29/EC and the CPUTR 2008 and see how loud they scream... Mention this to the them as well - http://www.consumeractiongroup.co.uk/forum/showthread.php?147392-CCA-DCAs-and-the-Unfair-Commercial-Practices-Directive and ask them if they feel ok ;)


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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well if 1st C as assignees dont think they are "the creditor" for the purposes s78 in this instance Jones v Link Financial may help to disillusion them:-)


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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well if 1st C as assignees dont think they are "the creditor" for the purposes s78 in this instance Jones v Link Financial may help to disillusion them:-)

 

BB v 1st Credit, on many occasions, should have disillusioned them, but they appear to have yet to grasp the fact that they are debt purchasers in many cases and are very often very wrong in that the alleged debtor is not their victim at all and have been proven so, scared off but then reappear when they feel like it :roll:


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Thank you to all who have offered advice. I have written again to !st and told them I am minded to make a complaint.

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Hi Missy,

 

I've been reading all the thread and have noticed that you'd been advised by a few to send for a SAR but all you've been chatting about is the CCA

 

You've never answered this from others, so now I'm asking? A simple yes or no .......... I've done one recently and its picking up anomalies.

 

Also you were asked about PPI and reclaimable charges, have I missed your answer? My SAR has shown up some.

 

NM

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I have agreed a partial settlement with !st with the agreement that they or anyone else does not chase for the rest of the disputed debt. This was in Feb and I just checked my credit file and the record is marked as PS (partial settlement) but it still says the account is in default. This is not what I expected. Will this account stay open with the CRA and be reported on every month as in default?

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A default will stay on your credit file for 6 years from the date of default. I have one with m&s on my file, they accepted a full and final of about 30% from me, marked it as partial settlement but the default is still showing, although m&s obviously don't update it anymore, my default is due to drop off this summer...

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Hi and thanks for replying.

 

I understand 6 year rule it's just that in the month I made the final settlement. They insist on calling it a partial settlement. this is what it looks like:

 

February 2014

PS

Partial settlement. The payment status has been reported as in default.

 

I an assuming in March there will be no other reporting and the defaults will start to drop off. The first was in April 2009 and so that will drop out in April 2015.

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The actual default won't fall off until 6 years after so will continue to show on your credit file but it won't be updated by the DCA. Mine shows it was last updated just after I made the partial settlement.

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