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    • Interesting question regarding what Government accounts opposition parties have access to, before an General Election. From what I understand, Government department accounts that are published are always lagging behind and would not include some amounts which are classified as 'commercially sensitive'.  Therefore opposition parties and Parliamentrary select committees would not have access to accounts which contain real time up to date information. If a new Government have found £20 billion of spending liabilities they did not know about, this could be true, as £20 billion is not that much when you look at total Government expenditure. Government department are making decisions on spending all of the time and it could be the previous Government were planning tax changes and/or spending cuts to balance the books.  Jeremy Hunt has recently said that if the Tories had stayed in Government and held an Autumn budget, it would have been very difficult to cut taxes as some had wanted.
    • Everyone knows the tories were hiding the costs - and even added 4 billion quid to the taxpayers high interest credit card to fund a chunk of the NI tax reduction - prime example - look at how much cost was hidden re the Rwanda dogwhistle -10 Billion quid     and re the handful of rebels on the benefit limit If the disasters (like the Rwanda rubbish) of Tory dogs being wagged by the extremist minority ERG tail doesn't highlight the issues .. Enlighten yourself here .. (fat chance) Sir Keir Starmer is right to show Labour rebels the door WWW.INDEPENDENT.CO.UK Editorial: Suspending seven MPs following their rebellion over the two-child benefit cap is more than a prime minister flexing his political muscle. It is a...  
    • Trump instigated that didnt he @theoldrouge despite losing the election - and Biden mitigated as much as he could within his boundaries?   "President Donald Trump ordered a rapid withdrawal of all U.S. troops from Afghanistan and Somalia in the wake of his 2020 election loss"   “The order was for an immediate withdrawal, and it would have been catastrophic,” said Rep. Adam Kinzinger, R-Ill., one of two Republican members of the special panel. “And yet President Trump signed the order.”   Trump ordered rapid withdrawal from Afghanistan after election loss WWW.MILITARYTIMES.COM The memo was among the latest revelations from the congressional committee investigating the Jan. 6, 2021, attack on the Capitol building.   Although i agree that Biden should have done more to mitigate Trump driven disasters
    • ok your WS is wrong. Paragraph 16 and 17 says  you did not contract with evri but this is not true - see below  Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency post 251 of occy thread - £844 lost    you should also add a paragraph on donough v Stevenson talking about the fact that even without contract there is still duty of care to goods and by failing to deliver this duty has been breached.   Make those changes and post it back up here and I'll check over things again
    • no we cant add the occy thing because leicster are being difficult people so we're just going to go without it for now
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    • If you are buying a used car – you need to read this survival guide.
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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.

      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
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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.

      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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help with simply be/ reliable collections


georgie2404
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hi please can anyone help me please, iv had simply be asking me for money since this time last year i have asked for the copy of my credit agreement and they sent me a true copy that they had filled out with no signature on it and said because i took out the account online then they dont have to send me one with my signature on it, i have since asked for a so called copy of the box i ticked online but they still have not sent me it. i now have a letter off reliable collections saying about an agreed payment plan that i have set up, which i have not agreed with them. i have wrote that i do not agree to the agreement in many previous emails to reliable collections finance dept they have also added 10percent of the bill to the invoice as this is what they charge for the "agreement", i dont know what to do now, do i sit and wait till i get a court summons. they are saying the account was taken out in apr 2007, is please help :(

Edited by georgie2404
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georgie2404, without sounding rude ,your thread is a bit confusing?.

 

1 Have you received a true copy of agreement or not

2 Is the agreed payment plan with reliable collections ,if yes then how have simplybe added 10% to it.

 

It would help all if you organised it a bit

 

Manc1

MANC 1

 

 

 

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Georgie

 

The Payment Plan Thing Is To Get You To Admit The Debt Covertly

 

Do You Have A Copy Of The Agreement In Your Possesion

 

Post It Up Minus Personal Details But Leave In The Figures

 

Google Photobucket And Use The Upload Link For Message Boards With Out Thumbnails Option To Post

 

LAST QUESTION

 

DO YOU HAVE A DEFAULT NOTICE

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hilaryfrances has just complained to FOS about JD Williams Group. Keep an eye on her thread and see how she does. Sorry can't do links!

 

I think all the catalogue companies need to be reported to FSA as well, whatever the conclusion, most of them are terrified of an investigation because their paperwork is so bad.

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> > We can set up a Long Term Payment plan where payments will be payable

> every

> > 28 days, providing you;

> >

> > Send your payments on time allowing seven days before the due date shown

> on

> > your statement.

> > Do not place any further orders on your account.

> > Contact us immediately if you have any problems making payments to your

> > account.

> >

> > In return we will;

> >

> > Stop all future charges.

> > Send a statement every 28 days with 2 payment slips attached once your

> > first payment has been received.

> > Take your payment over the telephone on 0870 160 1951 by

> > SWITCH/DELTA/MASTERCARD or VISA.

> > Help if you have a problem maintaining payments to your account.

> >

> > In accordance with our trading terms and conditions an arrangement fee of

> > 10% of the outstanding balance will be added to your account and you will

> > be unable to place further orders. If payments are late or missed charges

> > will be added.

> >

> > Please contact us to let us know how much you can reasonably afford to

> pay

> > and if you wish to proceed.

 

This is what i received in an email then i got a letter saying a notification of an agreed payment plan. thats all iv had. im not sure if i have a default on this account but i have not got any paper work.

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had another letter today concerning the emails sent i asked them if i cud pay 7.50 a week thats when they sent me the email about setting up the agreement but they wanted 30.00 by 27th november, i mite not be good at maths but that is not 7.50 a week. ive stilll asked for my signed copy of agreement but they just keep saying that catalogue companies do not need to send a signed copy and also cos i opened my account after apr 2007, and that they can still take me to court and add costs and charges. what should i do, should i just leave it and wait for court action thats if they go ahead and do it, im a single mum and only living off benefits i just dont know what to do now

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I Am Getting Rather Fed Up Of Companies Using This Sorry Excuse Ref The Cca

 

To Enforce An Agreement, The Creditor On Request Has To Supply A Copy Of The Credit Agreement

 

They Creditor Can Send A Patched Up Version Of What You Might Have Signed To Comply With The Request

 

to Enforce That Agreement They Need A True Copy Of The Original Agreement, Not Some Made Up Piece Of Crap

 

Tell Them You Will Make No Payment, Acknowledgement Of This Account Until They Send A True Copy

 

All Further Enforcement Will Be Viewed As Harrasment And Reported To The Oft And Trading Standards

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I'd be tempted to send them Scots letter below & see what their response is;

Re: my request under the Consumer Credit Act 1974

 

Thank you for your recent letter sent to me, the contents of which are noted. I appreciate your quick response to my original letter. However, the reply received by me does not fulfil your requirements under the Consumer Credit Act 1974.

 

The Act demands that I be supplied with a true copy of any properly executed credit agreement that exists in relation to the above account. I may ask for this on demand providing that a fee of £1.00 is paid. This fee was sent with my original letter.

 

My request remains outstanding. The items you sent in your reply, does not constitute a true copy of any credit agreement that may or may not have been signed by me on the opening of this account. It neither confirms that I am liable for any alleged debt to you, nor gives me any chance to evaluate whether any original agreement was ‘properly executed’.

 

I still require you to send me a true copy of the original credit agreement that you allege exists. As you will know, under the Consumer Credit Act 1974, a judge is not permitted to make any enforcement order unless the creditor can provide a true signed copy of the original credit agreement. This means that unless you can produce such an agreement, this alleged debt is not enforceable in law.

 

You had until XX/XX/2008 to provide me with the true copy I requested. You are now in default of my request. Any account I hold with you is now in legal dispute. Whilst the account remains in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, nor make any further charges to the account. Additionally, you are not entitled to register any information on this account with any credit reference agency.

 

To register information with a credit reference agency, you must have written consent from the customer to collate and share such information. This consent is given in the form of a signed credit agreement, so until you produce such an agreement, you may not do this.

 

The requirement for consent to share data is a clear requirement of the Data Protection Act 1998. any such attempts to share my data without my consent will be met with a complaint to the Information Commissioners Office

 

To sum up, I will not be making any further payments to you until you provide me with the document I have requested. Whilst you remain in default of my request, you are not permitted to take any action against this account. This includes adding further charges and passing any information to the credit reference agencies.

 

Should you not have any signed credit agreement in relation to this alleged debt, please confirm this in writing to me.

 

 

I look forward to your reply.

 

Yours faithfully

Print name do not sign

 

**amend to suit your circumstances.**

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  • 2 months later...

i had a catalogue account with simply be for some years i cant remember when i took it out. iv sent a cca letter to them in jan last year and they just sent me the usual true copy and explained that i did not need a signed copy. then i was getting letters offering me a payment plan but adding another 90 on top of the original bill which over the last year has gone up and up. on friday i received a letter saying they are sending someone to my property on wednesday 17th feb 2010. im also getting at least 5 calls a day and when answered its an automated service. im sending them an telephone harrassment letter tomorrow.

the debt has gone into further debt cos i just cant afford to pay it i asked for help and they wouldnt bring the payments down.

i dont know what to do now, iv told them to take me to court but after a year still nothing has happened, what should i do im a single mum living off benefits :confused:

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They can send someone round all they like, you don't have to entertain the knuckle heads. In fact I would open the door hand them a bag of rubbish and tell them to put that in the bin, and shut the door.

 

IF, and it is normally a very big IF, they do send someone round, you don't need to speak to them or let them in, just tell them to foxtrot oscar, and if the don't ring the Police,999, and report that there is someone on your property asking for money who won't leave and you think there will be a breach of the peace.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Guys

 

my wife is also being pestered by this lot. She had a catalogue account and she CCa'd them they sent back a blacnk credit agreement that someone elso had filled in her details (different handwriting) and there is no signature in the box. This account is being loaded by £12 every two or three weeks despite her telling them that due to the excessive charges the account was in dispute.

 

Latest letter states " your conduct in this matter is unacceptable and will not be tolerated"

 

are they all huuf and puff?

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