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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • dx100uk
      Erudio/SLC

      By dx100uk · Posted

      wont go near it with a barge pole as its ex gov't debt.  
    • dave024
      Erudio/SLC

      By dave024 · Posted

      Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • dx100uk
      Another P2G / EVRi Lost Parcel Claim

      By dx100uk · Posted

      there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • dx100uk
      Link/Kearns Claimform - old Barclaycard debt - Now N244

      By dx100uk · Posted

      was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • dx100uk
      Erudio/SLC

      By dx100uk · Posted

      no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    

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      If you are buying a used car – you need to read this survival guide.
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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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. 
       

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    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.
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Crudit Today: Limitation Act change proposal response

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Rhia

Rhia

Posted
Posted

Of course by leaving debts that long they run the huge risk that

a. The Original Creditor will not be able to produce the proper paperwork,

b. That they will faff about so long that the debt becomes statute barred anyway

c. A savvy debtor will stall them for six months and the debt will be statute barred anyway.

 

 

Yes I agree. Suspect it's because historically (pre CAG etc) they have got away with it because people didn't know their rights and weren't prepared to challenge them.

 

Why are they squealing. Well their wriggle room is running out of room to wriggle innit? OFT is clamping down with SDs, looking at COs now and who knows what else. They will have seen a signficant and increasing number of complaints re DCAs which, whilst not see to be acting on, behind the scenes we know they are. Then the rise of the empowered consumer who suddenly is aware of their rights and prepared to challenge so this assault on the Limitation Act is closing down another avenue I guess.

 

No bluddy wonder they'se squealing. It gives you a nice warm feeling.

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andrew1

andrew1

Posted
Posted
Yes I agree. Suspect it's because historically (pre CAG etc) they have got away with it because people didn't know their rights and weren't prepared to challenge them.

 

Why are they squealing. Well their wriggle room is running out of room to wriggle innit? OFT is clamping down with SDs, looking at COs now and who knows what else. They will have seen a signficant and increasing number of complaints re DCAs which, whilst not see to be acting on, behind the scenes we know they are. Then the rise of the empowered consumer who suddenly is aware of their rights and prepared to challenge so this assault on the Limitation Act is closing down another avenue I guess.

 

No bluddy wonder they'se squealing. It gives you a nice warm feeling.

 

Now the Cabot fan Club have a grip, the focus is back :D

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tbern123

tbern123

Posted
Posted

Just to add my two pence worth

 

DCA's do take people to Court. However, People can also take them to Court ;)

 

CCJ's can adversly effect people, i.e the interest rate for your mortgage etc.

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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tbern123

tbern123

Posted
Posted

CCJ's can adversly effect people, i.e the interest rate for your mortgage etc.

 

Forgot to say CCJ's can also effect/restrict employment opportunities.

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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mr.ton

mr.ton

Posted
Posted

Ok then folks...everyone is saying how serious CCJ's are & how they can do/cause this,that & the other etc...

So what do people suggest as an alternative then when dealing with the DCA's?

They have no authority to the money off you & can simply be told to go away if need be.

So whats the answer then? :confused:

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tbern123

tbern123

Posted
Posted
Ive had a few CCJ's, yet ive also had a good few jobs over the past decade or so...so i beg to differ on that ;)

 

You can differ as much as you like.:D

 

Having a CCJ registered on your credit file can and does restrict you from some forms of employment.

 

Mr Ton, you might want to read some of my threads, you will see I do have some knowledge about dealing with DCA's :cool:

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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mr.ton

mr.ton

Posted
Posted

Oh i will differ as much as i like :D

Its odd...but the CCJ's have never appeared on my credit files & never shown up when ive done official searches for them.

Not that im saying the system is a farce or anything like that....:cool:

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ScarletPimpernel

ScarletPimpernel

Posted
Posted
+ anything requiring security clearance of secret and above :-(

 

S.

 

 

Just had my clearance renewed. DVA sent me the world's longest financial questionnaire because they couldn't find me on the CRA database (for reasons I won't go into here). The case officer told me that they don't take that much notice of CRA files anyway because they are so often inaccurate.

 

I have a CCJ (obtained by default in the wrong jurisdiction), and several defaults. They didn't prove to be a problem. I gather that if a lot of CCJs, or evidence of serious financial irresponsibility, whilst not necessarily a bar to clearance, will get you a DV-stylee interview.

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the_shadow

the_shadow

Posted
  • Author
Posted
Just had my clearance renewed. DVA sent me the world's longest financial questionnaire because they couldn't find me on the CRA database (for reasons I won't go into here). The case officer told me that they don't take that much notice of CRA files anyway because they are so often inaccurate.

 

I have a CCJ (obtained by default in the wrong jurisdiction), and several defaults. They didn't prove to be a problem. I gather that if a lot of CCJs, or evidence of serious financial irresponsibility, whilst not necessarily a bar to clearance, will get you a DV-stylee interview.

 

Phew... thats put my mind to rest.. Big thanks for letting me know that.

 

S.

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volvo

volvo

Posted
Posted

Used to work for a well known submarine torpedo manufacturer and never had security clearance problems with previou CCJ's.

 

However, do agree that accountants etc are affected by credit recoed

 

VOLVO

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patrickq1

patrickq1

Posted
Posted

OK! OK! Let's stick to the topic shall we? This proposed legislation is far too important to allow this diversion.

it is so important it is never going to happen,what with the LORDS LORD TAYLORS and freinds i cannot see it ever happening..

patrickq1

but in saying that i have been fighting for all these sort of things since the old bank action group days back in 1992 ,,,phew had to say that quick lol

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ODC

ODC

Posted
Posted

I think its a myth put about by the CRAs and the DCAs as part of their intimidation. I worked in a job where I need Top Level Security Clearance and it never stopped me. As SP rightly says people carrying out Security Vettings pay little heed to CRA files as most of the info on them is crap and a lot of it put on by some vindictive little scrote like the delightful pre pubescent wart from Leeds who told me he would ''F**k my Credit Rating up for life''

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volvo

volvo

Posted
Posted

On the contrary, i think you will find it on the statute books within the next 24 months, it is after all a topic the goverment wants to succeed with for us voters

 

VOLVO

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Helford

Helford

Posted
Posted

ODC,

 

I work in Financial Services and as this is an FSA Regulated business (For what that is worth!), IVA, Bankruptcy, CCJ's and the like and I would be out of a job after 28 years! I have to complete an Annual Proprioritory (?) Declaration.

 

H

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the_shadow

the_shadow

Posted
  • Author
Posted
ODC,

 

I work in Financial Services and as this is an FSA Regulated business (For what that is worth!), IVA, Bankruptcy, CCJ's and the like and I would be out of a job after 28 years! I have to complete an Annual Proprioritory (?) Declaration.

 

H

 

err and what has that to do with security vetting?

 

S.

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itsamomentintime

itsamomentintime

Posted
Posted

hey mr.ton for what its worth.....

 

you are a CAG hero, end of!!

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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ODC

ODC

Posted
Posted
ODC,

 

I work in Financial Services and as this is an FSA Regulated business (For what that is worth!), IVA, Bankruptcy, CCJ's and the like and I would be out of a job after 28 years! I have to complete an Annual Proprioritory (?) Declaration.

 

H

Yes Im sure you would be but then you could get a job as a bank manager.

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