Jump to content


  • Tweets

  • Posts

    • If you’ve ever wondered how you might fare in armed combat, the first 20 minutes of Steven Spielberg’s Saving Private Ryan is likely to make you thank your lucky stars you were born too late to storm the Normandy beaches on June 6 1944. I suspect many of us might be driven to identify with those men who were absolutely turned to stone by fear. And yet these young men, mainly conscripts, screwed their courage to the sticking point and did the job the fate had chosen for them, heroes all.   .. UK PM Sunak perhaps thinks he understands mind numbing fear better than many as he dishonorably fled the beachhead to do nothing more than double down on dishonest spin and lies from the safety of a UK studio .. The Normandy heroes who not only held their positions, but advanced through hell to a victory that changed the entire course of history .. undoubtedly hold a different perspective.     from a perspective in TheConversation     .. 'That was the slot that sunaks team offered for the interview
    • Yes, send a message to the purchaser but keep it very friendly and simply that you noticed that the package has now been delivered.  I suggest that you ask them if they want to keep the package still or if they would rather return it and that if they want to keep it then please will they return your payment to you to your PayPal address. Keep it as polite and friendly as possible and then we will decide what to do if he doesn't reply or refuses.  Meanwhile I will have a look at Google earth and see if you are able to spot the gas meter outside the house to get an idea if the delivery is real. Get a screenshot
    • Santander have sent their final response and have agreed that they were in the wrong. They will be refunding me the amount I am due and £50 for the delay.  Just the interest factor would be more than double the £50 that they are offering. Thinking to just close this and move on. Is this what you would do?  Opened a FOS case on the 1st of June but haven't heard back yet. 
    • It just been delivered and ive had a live chat with p2g to get some proof of deliverey and they send me a picture of the parcel placed in a gas meter box which they class as a ' 'Safe Place'  and not placed into the hands of the buyer which is either a good thing as the buyer can claim he never received It so i can claim against p2g or a bad thing . Do p2g have coordinators when taking pictures and scanning of parcels ?  I know Royal Mail do ... I'm going to send the buyer a message and see what he says
    • Eight in ten voters support blocking bonuses for polluting water firm bosses INEWS.CO.UK Polling for i exposes level of public anger over sewage dumping  
  • 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

Defaults, CCJ's and the 6 year rule?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5283 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

Hi,

 

I am in the process of looking to remove defaults and possibly one CCJ (from Bannatynes).

 

I understand the 6 year rule regarding Statute Barred etc.

 

What I would like to clarify is that "IF" I submit a SAR or CCA request does this mean I am acknowleging the debt and so resetting the clock on the 6 year rule ????

 

 

All of my debts are pre 2007

Link to post
Share on other sites

Hi,

 

No, all you are doing is getting your data or any agreement. If you put at the top of your CCA request," I do not acknowledge any debt to you or any company you claim to represent" that will cover you.

The SAR, as I said is just a request for info, nothing more.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Hi,

 

I've recently found a letter from Lowell for an old debt from June 2002.

 

 

I am certain that the debt is statue barred and have a letter ready to send off to them tomorrow by recorded delivery.

 

 

How long do they normaly take to reply if at all?

 

 

Where do I stand if the debt is sold on or passed to another division of the group as I am aware Lowell has many different sub companys?

 

Is there something I can include in my letter in order to stop repeat letters coming from other DCA for the same statue barred debt?

 

I have included the PLEASE NOTE THIS LETTER IS IN NO WAY AN ACKNOWLEGEMENT OF THIS ALLEGED DEBT TO YOU OR ANY COMPANY YOU REPRESENT. I have also not signed the letter only printed.

 

Is there anything else I should include?

 

Many thanks.

 

Link to post
Share on other sites

Hi,

The lowlifes will no doubt say "an attempted payment was made on XXXX".

 

Ignore this. Once you have told them it is SB, it is down to them to prove it isn't. They won't be able to based on your dates.

If they flog the debt on. complain to them and to the new DCA and the OFT/Trading Standards

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Hi Silver Fox,

 

can I ssume then that Lowell will just keep pestering me for this debt but through there other sub companies? Is it possible that they can default me on this even though they are not the original creditor and it is over the6 year statute barred rule?

 

Is there not some form of action I can take under the CCA that once the debt is statute barred it can no longer be sold to other companies?

Link to post
Share on other sites

It's possible either Red or Hamptons (Il)legal will have a go but I wouldn't bother getting into a letter ping pong with them. You will have stated your case, let them deal with it.

They will go away eventually.

 

Before a debt is sold, it must be defaulted and the account terminated so therefore, at some time in the previous 6 years, you must have been defaulted. You cannot be defaulted for the same debt twice. If they tried it, you could sue them for compensation. This will fall off your credit file (if it hasn't already) but I would get a copy of your file for the next few months.

 

Not much you can do to stop Lowells selling this debt on to anyone else as they don't tell each other whether a debt is SB or not. They just try to get it off their books. Like I said, you would have cause for complaint if anyone else came out of the woodwork.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

as fox says they will try the "attempted payment crap "

 

followed by passed on to red and hamptons crap

 

as soon as that starts report to OFT and TS

 

although a letter to compliance complaining that they are attempting to collect on a debt that they have been advised is statute,usually stops them in their tracks.but will not stop a pass off to muck hall or similar outfit.

 

but why deny the OFT/TS the chance of another registered complaint against these cretins..and another warning slap:D

 

SAM

Link to post
Share on other sites

  • 1 month later...

NO it isn't

 

It is a legal request for information as laid out in statute

 

Basically, I want to see every piece of information that your company holds on me, this could be from a bank, a doctor, the police, or even a former employer. it is not specific to credit or debt

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...