Jump to content


  • Tweets

  • Posts

    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
  • Recommended Topics

  • 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
  • Recommended Topics

Lots of people needing CAG help


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5348 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

yes i sometimes look in on that site but not as good as cag! Though i have got a few helpful tips from trawling their threads sometimes,i dont think it is moderated the same as cag so more likely to get questionable posts up on it i suppose and yes they seem to be not so militant against the actions of DCAS!

Edited by sunflower99

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

Link to post
Share on other sites

Moneysavingexpert forums

 

I've just registered on there - the forum is a little (lot!) less millitant (belligerant/aggressive) in it's attitude to debt collectors, but there appears

to be a lot of people receiving what I would call "questionable" advice.

 

Dare I say DCAs in disguise?

 

I'm registered there, which part of the site(don;t say reclaims cos that is me ;) )

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Link to post
Share on other sites

You cant say boo on that site without some jumped up mod giving you a warning & the amount of rules you can fall foul of for the slightest thing is just rediculous.

At least on here, they are alot more relaxed in what is to be tolerated etc..:)

Oh & the more militant..the better ;)

Link to post
Share on other sites

You cant say boo on that site without some jumped up mod giving you a warning & the amount of rules you can fall foul of for the slightest thing is just rediculous.

At least on here, they are alot more relaxed in what is to be tolerated etc..:)

Oh & the more militant..the better ;)

Hi Mr ton!

i agree! :D:D:D

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

Link to post
Share on other sites

Yes I am always startled by the nasty and belligerent attitude taken towards people seeking help on those forums; I generally just look at the money saving bits, but after someone on a forum here thanked me for offering them 'non judgemental' advice compared to that which he had received on MSE I took a look at the rest of the forums.

 

It made for depressing reading, talk about kick someone when they're down.

 

I hope they find their way here; I was tempted to post a link but that would probably get me banned.

 

I tend to make a point of giving those I agree with a vote of thanks and ignoring the rest.

Edited by zazen.warrior
Link to post
Share on other sites

Yes I am always startled by the nasty and belligerent attitude taken towards people seeking help on those forums; I generally just look at the money saving bits, but after someone on a forum here thanked me for offering them 'non judgemental' advice compared to that which he had received on MSE I took a look at the rest of the forums.

 

It made for depressing reading, talk about kick someone when they're down.

 

Which is why I've given it a pretty wide berth, and ignore their emails now.

 

In that situation you don't need judgement, assistance is more important!

Link to post
Share on other sites

Just loked at that forum and know what you mean! someone was told that they must lock all their doors and windows and that a ordinary doorstep collecter from capquest was allowed to legalllly just walk in:eek:

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

Link to post
Share on other sites

Its alright read further down thread and someone corrected that remark"!

Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

Link to post
Share on other sites

Just loked at that forum and know what you mean! someone was told that they must lock all their doors and windows and that a ordinary doorstep collecter from capquest was allowed to legalllly just walk in:eek:

 

WTF :-x

Link to post
Share on other sites

I am similar to what was mentioned above...i look at the money saving sections/freebie section sometimes...but other than that, there's nothing of any interest to me & most people give incorrect advice and dont know their @ss from elbow when it comes to debt matters.

Link to post
Share on other sites

The over powering rules on MSE dont help either.:(

You are very limited in what you can say on there before a mod pounces on you etc...

Half of what we advise on here wouldnt get accepted on there & thats why some poor individual will be convinced that a DCA can legally just walk into your house etc...:mad:

Link to post
Share on other sites

  • 4 weeks later...

They seem to be defeatists , with the names they pick .. 'unlucky jim' .. 'up to my eyes in debt' , and the threads they title .. 'hanging my head in shame ' . They have the wrong attitude to start with . I know a lot of these people have been accosted for a long while by phone and letter by these dca's , but they won't prevail with that kind of attitude . Not in fighting debt collectors or any other aspect of social interaction.

 

It seems like a breeding ground of defeatism to me .

Edited by Drexl Spivey
Link to post
Share on other sites

It was from MSE that I learned of this site and never looked back , it was also the site where I first found others in debt and began to plan to get out of debt , this was helped by finding this site and I now talk quite openly of being in debt which in turn has found me many friends most of which have joined CAG .

sleepingdog

Link to post
Share on other sites

They seem to be defeatists , with the names they pick .. 'unlucky jim' .. 'up to my eyes in debt' , and the threads they title .. 'hanging my head in shame ' . They have the wrong attitude to start with . I know a lot of these people have been accosted for a long while by phone and letter by these dca's , but they won't prevail with that kind of attitude . Not in fighting debt collectors or any other aspect of social interaction.

 

While I agree with you, it's still all too easy to get into that mindset when you find yourself in that situation.

 

That's what depresses me about MSE, because it seems Martin's heart is in the right place, and a lot of people seem unaware of the options that are available and what they can do...

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...