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    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
    • Well, it's up to you. Years & years & years ago the forum used to suggest appealing to POPLA, but then AFAIK POPLA's remit was changed and it became much more biased in favour of the PPCs. One of the problems with taking that route is that the onus will fall on you to prove your appeal, while if you do nothing the onus is on MET to start legal action which experience teaches they are very, very reluctant to do. If you go down the POPLA route I would think your ace would be insufficient signage.  Are you able to go back there and get photos of their rubbish, entrapping signs?
    • The first clearly visible sign as you pull in to the car park states “McDonald’s Customers Only 60 minutes” The next clearly visible sign is an almost identical sign outside Starbucks which states “60 minutes free stay for customers only” There are other signs towards the rear of the car park (away from the outlets) that have the terms and conditions on them in very small print.
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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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What Made You Want To Swear Today?


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Spoke to a cousin in London today and he said he spoke to a electrical store worker who was looted the other night,, he said that the people looting were grown men all tall about 6ft with balaclavas on and were black. Said he punched on as he ran towards him and the looter in turn punched another looter and they ended up fighting !!

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today was a stressful day.

 

1st i had a dentist check-up. i really hate going to the dentist. i had to take Diazepam just to get through it!

 

then i had my usual monthly GP check-up...i have depression/panic attacks/anxiety/eating disorder/OCD...but it's also for whatever else is wrong with me at the time.

this time i got a recent blood test result. i have iron deficiency anaemia. so i'll be on iron tablet for at least a few months.

at least i know what has been causing my briuses and mouth ulcers.:|

 

then my boyfriend phones me and says a letter for me from a DCA has been sent to his address. even though i had no idea how they could have got his address cause i've never lived there!

so now my bf if angry cause he thinks i've given them his address...which i haven't...and i'm suicidal cause i'm terrified i could lose my soulmate cause of this.:Cry:

 

if anyone wants to read about this DCA letter problem and maybe give me advice here's the post... http://www.consumeractiongroup.co.uk/forum/showthread.php?277302-Additions-catalogue-debt/page2

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Don't know what's going on really. We're dealing with hacking, well the old words for it would be spying, bugging. Links are made Mr Cameron goes away on holiday and suddenly the country is rioting!

 

We really do need to address the underlying cause. The great divide is getting greater and people are not happy.

 

I have always lived by the truth, brutal as it may be, unfortunately it has been my experience that so called professionals etc for what ever reason seem to think that the truth is not important what is important is winning at any cost. Unfortunately even through the legal system it is one law for one and one law for another. But I'm sticking with the truth, there are no come backs.

 

Think we need to be careful at this time about over reaction could be what is planned by the powers that be. What if we lost the freedom of speech on this wonderful site?

 

The loss of democracy is what makes me want to swear, it was hard fought for by our ancestors.

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If all this rioting underclass as the press are calling them are evicted from their homes and have their benefits stopped what is going to happen to them? They are going to be beneath the law and not be able to make any repatriation....

 

It is a belt and braces method which also gags and blindfolds the real causes, lack of opportunity - lack of direction (other than the downward spiral into disaster) and lack of any way of making the situation a bit easier all round.

 

Society is being manipulated from the top down and the 'haves' want to keep the divide between them and the 'have nots' - they have now created another divide for the 'never was's'. Somewhere along the line the haves have now placed themselves in the firing line.

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Interesting isn't it? Think we all need to do a lot of thinking and worrying about our future. That is the kids of today. Some of us will remember the Peace Movement and marches to "Ban the Bomb". They were described at "beatniks" who didn't wash, didn't work etc. Mostly they were students who cared about the future, their future. Yup as an oldie I could go on and on about life experience and propoganda which was not evident to me at the time. Don't know what happened wasn't there wasn't involved. It just makes me soooo angry when people take the quickest solution and yup what happens if the looters are fined, imprisoned who is going to pick up the tab?

 

Are we escalating this into "let them eat cake?"

 

Sorry I'm old and have a tendency to think!!!!!!

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I believe IMO it's nothing to do with not having opportunities, it's the basic break down in society. People don't have real repercussions for their actions anymore. When a millionaire joins in you can't blame it on 'not having'. People don't have responsibility anymore and feel they and their actions are beyond any real reproach. I don't agree with making people homeless or stopping their benefits as thay will force them to become criminals, but for a lot of the people out rioting it was merely mindless opportunistic criminal behaviour. They should be punished. The should be charged. Yes, somebody is going to have to pick up the bill, quite obviously, and as a tax payer this is one bill I don't mind picking up, so long as they get appropriate (not soft) sentencing. What other reasonable fair solution is there? I may not be that old, but I do have a tendancy to think :wink:

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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I believe IMO it's nothing to do with not having opportunities,

 

Exactly. I'm sure we (I'm 22) have more opportunities today than people who are now in their 40s and 50s. Did they riot when they didn't get what they want? I doubt it. The only riot I know of that happened before I was born was the Brixton riots.

 

Oh and a friends response to not having something to do was to set something up for people in our situation. (young people with visual impairments)

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Sorry can't agree, I'm a lot older and can assure you that we had fantastic fair opportunities and guess what, no student fees! No fear of being £50,000 in debt before we even start in employment. There were such things as grants and the lower paid received grants but this was for living expenses not tuition that was FREE.

 

The fact that young people don't realise how things have changed with regard to equality in education has made me swear today.

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The argument from some rioters that they couldn't go to university because of the fees is rubbish; if their income is below a certain level there are 'free loans' and the repayments don't kick in until you are earning a certain amount. Everyone is in the same situation (bar the very wealthy).

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The argument from some rioters that they couldn't go to university because of the fees is rubbish; if their income is below a certain level there are 'free loans' and the repayments don't kick in until you are earning a certain amount. Everyone is in the same situation (bar the very wealthy).

 

Regardless of income, you get a loan to pay full fees, if that applies.

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Do not understand some people:

 

There is someone who hates me. Fine, I don't expect to get along with everyone. She is obsessed with me. She does everything she can to have a go at me.

 

Her life is obviously so empty that she feels she must stalk me (it's the same person as I mentioned before) - how bloody sad.

 

This is bordering on harassment I think.

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Going to university is not free if you have to take a loan repayable when you start to earn above a certain threshold. The comments are very interesting because a loan is what it says it is a loan. it has to be paid back. My point was that university education was free and the opportunities were endless for both sexes.

 

The recent postings have worried me because it seems that we have forgotten so much.

 

Evidently the forum is no longer a safe and happy place. That's very sad when we are trying to support those in trouble. that's made me swear today.:sad::-(:-(

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Well I wanted to swear yesterday when I realised that the fiver change I should have had in my purse wasnt there as I forgot that when you use the self sevice check outs in Asda the paper money comes out from a place quite low down and I forgot about it as I took my change and went home. So whoever went to the till after me got it... hope they needed it !

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Stupid Bint accross the road had me swearing today. She was out with a pack of teenagers screaming and shouting her head off in the early hours of this morning. I don't know if she was drunk or something but all I could hear was "what's your f****** problem" and "I'm a homewrecker" (proudly and at the top of her lungs) for over 2 hours with occasional screeches of laughter. She must have kept the whole street awake (the ones who weren't out with her that is, it isn't the nicest of streets). It's not normal. She's at least in her thirties, why would you want to be hanging around with kids and behaving like kids at that age?? It really is like she thinks she is one of them and is the leader of the gang. It really isn't normal. I have no idea if the police ended up coming or if somebody told her to shut up as I ended up putting ear plugs in and tried my best to ignore it. It's very hard to ignore though when you can feel it escelating and your waiting for a fight to break out. It really is that wierd a situation I wouldn't be surprised if it turned out she was sleeping with them. Odd indeed. I'm trying my best to stay out of it as they focus their attention on you if you complain about them, and for years the trouble's been on our side of the street but after she's moved in and another further up it's on the other side, so those who turned a blind eye are getting a taste of what they ignored all these years.

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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we had a lad across the road who did dodgy deals from his bedroom window, played boom boom music so loud with his windows open you couln't sit outside

argued with his girlfriend an silly oclock in the morning

We gave up hope of selling our house.

 

Joy of joys he was raided yesterday and taken away in handcuffs,:wink:

 

I waved him off :whoo:

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Yay you!!!!!!!!! We are trying to sell too and the constant antisocial behaviour is making it impossible. We were told flat out by one viewer that the noise in the street was a concern. I know some people are working on getting them evicted, so fingers crossed. But yay you!! Victory for the civilised people!

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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Letter from our local bank.

Basic bank account and unfortunately have gone overdrawn 3 times (by small amounts too) since having the account 4 years ago and they have now told us that they are closing our account in 30 days!!!!!:-x

This last time we paid money in the same day too, to clear the account!! :-x

I can't stand any more hassle with banks............seriously fed up with them :-x

Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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Tried to book a flight online. Everytime i try to enter my phone details it gives me an option of mobile, business, or residence. When i enter mobile then country code in the next box, phone option keeps coming up digits only. Spend 20 minutes on the phone to some foreign call centre explaining that i cannot use their website to make a booking. He didn't have a clue what i was talking about. And seemed to care even less.

 

No wonder the world is in such a sorry state.

 

Bah Humbug,

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Letter from our local bank.

Basic bank account and unfortunately have gone overdrawn 3 times (by small amounts too) since having the account 4 years ago and they have now told us that they are closing our account in 30 days!!!!!:-x

This last time we paid money in the same day too, to clear the account!! :-x

I can't stand any more hassle with banks............seriously fed up with them :-x

 

Have you thought about trying one of the mutual building societies Night Owl. I don't mean Nationwide though! :roll:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Santander are fine while in credit, but if there are transactions going out in a particular day which takes you overdrawn you will be charged even if money goes in the same day, even before opening hours. They also have daily charges of £5 a day for every day you're over your limit up to £100 a month, on top of other charges. IF you don't realise you've gone over you can be stung, as I found to my cost. I ended up paying around £150 for one mistake with a SO, although they put several hundred more pounds of charges on which I didn't pay. Needless to say my account is now closed. :roll:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks 'termi + Caro. Im going to send a letter asking them to reconsider because we actually paid money in to the account on the day they cancelled the last D/D. Cant have dealings with Abbey as we still have a claim within the Court system against them.

Keep up the fight against Bank Charges.

 

 

Got Debt problems?

Don't panic, put the kettle on and read this

 

:-) Everything I write comes from my heart and head! The large filling cabinet that is my knowledge of life, however warped that may be!! :-)

 

<<< Please tickle my star!! if I have managed to help you or just made you chuckle!

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Tried to book a flight online. Everytime i try to enter my phone details it gives me an option of mobile, business, or residence. When i enter mobile then country code in the next box, phone option keeps coming up digits only. Spend 20 minutes on the phone to some foreign call centre explaining that i cannot use their website to make a booking. He didn't have a clue what i was talking about. And seemed to care even less.

 

No wonder the world is in such a sorry state.

 

Bah Humbug,

 

I had Etihad Airlines on the phone this morning offering me all sorts of cheap deals. To little to late im afraid. I have booked with another airline. Just wanted to prove we dont have to put up with bad service anymore. RANT RANT RANT.

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Dial A Flight CHARGED me £27 surcharge because I paid with a credit card. I only paid because if the company goes under we will get our money back straight away. An email to the OFT will by sent in a few minutes.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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