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    • Funding concerns are expected to see Saudi Arabia reduce its giant building schemes.View the full article
    • Why the former Fujitsu engineer is such a key figure in the Post Office scandal.View the full article
    • next time dont panic and wet yourself and offer payment !! Date of issue – 14 june 2024 date for aos - 2nd july  date to file defence - 16th july      other than the CCA/CRP and if it ever gets that far..a witness statement, you send them NOTHING and dont ever instigate comms with them. esp by email.. i would be sending one final email in reply to theirs above. PLEASE NOTE: email is NOT to be used for any comms with regard to our mutual court claim. else they'll be sending a whole forest of faked agreements/documents to you one minute before a court deadline removing your shace to object/pull them apart as unenforceable etc. dx        
    • The EU and China still disagree about the import taxes, but have agreed to discuss them further.View the full article
    • Unbelievably I can't find it, I will have a really good look for it when I have a bit more time on my day off this week. AS a side note, I emailed them offering a token payment to settle the account and avoid court action, which unsurprisingly they have declined. However their reply states:  A Claim was accepted on 19 June 2024 which means we cannot set up a payment plan just yet. You should have received a claims pack from the Court. We would ask for this to be completed with your offer of repayment and returned to either ourselves or the Court.  You have 21 days for this to be completed and returned in order to avoid a Judgment by Default. This means we would need to receive this by 10 July 2024. I was under the impression it was 19 days from date on the claim form. which was the 14th, which would be 3rd July. Could I use this against them as it seems like they are giving me false information in the hope of getting a judgement by default?
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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.

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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.

      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

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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







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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





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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


> > 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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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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