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    • Couple of errors on your N244...not sure why you couldn't save a copy...move your mouse to the side and right click ...save as.   Dont complete anything in 6..my 30 mins was an error...as its requested without a hearing..   9a should be left blank (it states other than the claimant /defendant).   Staple the Draft order to the n244 along with the 2 letters of consent.   On the draft order remove the Amended particulars ..that was just for your benefit when you get to the next stage and the court asks you to resubmit amended particulars.Also there is an error in the amended particulars...should state " The leading Claimant " not The principle claimant.     No you cant represent anyone....but you will be in attendance as the main claimant...if necessary and if directed by the court your daughter can submit a statement in support of the claim in her absence.We can cross that bridge if and when necessary.   Assuming the application is successful the court will give an order for you to resubmit an amended particulars of claim...nothing else changes..the date of claim the value etc....only the claimants names and the particulars.   lastly dont forget to make payment ...the fee is £100...and also be aware that in making this application you may become liable for the defendants costs if your claim is not successful.   Andy
    • Well thats what I thought they'd done?   As you can see it was way over my head! Im sure the judge said he was a Barrister though? I'm totally confused. They didn't give me a name.   Out of interest, if they now allocate me a 3.5 hr slot, and a 2nd court date, have my court costs just shot through the roof? 😲
    • Although I broadly agree with that sentiment Jase, the 'conservative MP's have just defined themselves by almost all blocking a relatively small sum to feed hungry UK children Approx 125 million it cost to feed hungry children over 6 weeks I saw   So as a rough rule of thumb If we take 4 weeks of lockdown and 4 weeks of holidays until 'spring, you are talking about them refusing * less than sercos EXTRA profits from covid, * and FAR less than the cost of the failed collect 250 spit samples a day exercise   Despicable doesn't even start to describe them.      
    • oh god no dont enter nor start pointless letter tennis ever.   dx  
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      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
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      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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eBay & iQor - Under 18 - Help Please :)


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I have quite a few websites that I own that dont have any income streams, but I would like to do one that can earn me a little bit of money to see me some luxuries etc. but cant because all merchants require 18+

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You could be held liable for damages under misrepresentation/fraud but as you effectively cancelled the account and contract it's unlikely they would be able to enforce anything.

Edited by Crapstone
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Just got this back from Consumer Direct:

 

Dear Mr XXXXX

Thank you for your enquiry to Consumer Direct dated XX/06/2009. Your reference number for this case is XXXXXXXX and should be quoted in all further correspondence regarding this case.

 

From your email it appears you are trying to determine what your next course of action should be after, being threatened with court action by a debt collection agency, despite being a minor.

Based on the information you have provided the key legal points in response to your enquiry are as follows:

 

First I would clarify that only a court could order anyone to pay a debt. To get such an order the claimant (e.g. the collection agency) must provide proof that you owe a debt, and that they are entitled to recover that debt.

 

Generally speaking, consumers will be bound by the contract they have entered with the trader. There are some exceptions to this rule - minors being one of them. Someone aged under 18 can only be bound under certain contracts, e.g. for 'necessaries' or 'beneficial contracts of service'. These might be thought of in terms of the types of things it is normal for such persons to buy. The most obvious might be things like sweets or bus travel to school, although nowadays the scope of these might be broader and include things like computer games or mobile phone credit.

 

At this stage, as you particular situation could become complex, we would consider referring the case to Trading Standards for further advice and, if possible, assistance. To do this we would need the consent of an appropriate adult (i.e parent or guardian) your full address and telephone number as any assistance would come from your local Trading Standards authority.

Therefore if you could ask and appropriate adult to contact Consumer Direct quoting the case reference number, we should be able to arrange further advice and possible assistance.

Thank you for your enquiry.

 

I shall follow their advice and update you in due course :)

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A lot of people that work for Consumer Direct come from Trading Standards backgrounds and reply is correct.

 

Did you declare tax on your 'earnings'? One thing you should know is that it's not uncommon for adults to sign up and then try to pass it off as a contract made by their children which they were unaware of and are not liable for. They've heard it all before and in a recent case a person was prosecuted for selling goods on E-Bay that they didn't have but tried to blame their teenage son. It didn't take long to track the money down and the process involved.

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Any update on this Parsons? I am following with intrigue.:)

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Hi Freaky & Guys/Gals :)

 

Sorry not updated this, been busy doing other things amongst getting advice about this, I contacted TS and they made contact with iQor to inform them that the case is now udner investigation, and that I'm under 18. Apparently they are being co-operative...funny now that an official body gets involved they play by the book.

 

They also going to investigate into eBay/PayPal regarding their duty to ensure members are over age and the user policies on accounts such as DP procedures.

 

Will update you in due course, as soon as I get news :D

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