Dissecting the Manchester Test Case....

[oilyrag]

There are authoritive members of this group who say how good they are so can they be trusted as well I ask myself..

 

Agreed broooce, funded by the financial industry could not be trusted to wipe their own backsides properly. If you need any further evidence as to the average intelligence quotient, look at the DCAs that call YOU and I. All recruited from the same stock

 

oilyrag.

[citizenB]

Am I being cynical or is it not just a clever way to stop the debt becoming statute barred?

 

NIce little one to slip past those pesky peeps.. perhaps they wont notice, Elsa

 

there is that yes.

 

also read that the oft reckon itll help 5000 people. damm sure there are more than 5000 that need this kind of help. and who is going to be responsible for running the sceme, some new better lending quango i believe.

 

s.

 

I reckon it was a mis print and they left off a few zeros, shadow

 

There are authoritive members of this group who say how good they are so can they be trusted as well I ask myself..

 

oilyrag.

 

I think I might have been one of them prior to their interference in the bank charges reclaim. We were doing ok for ourselves before we were given their assistance

[brooooooooooce]

There are authoritive members of this group who say how good they are so can they be trusted as well I ask myself..

 

Agreed broooce, funded by the financial industry could not be trusted to wipe their own backsides properly. If you need any further evidence as to the average intelligence quotient, look at the DCAs that call YOU and I. All recruited from the same stock

 

oilyrag.

 

I have a friend who works there. I also went to a 'sales' pitch (along with others from various local Churches and other local counseling groups) laying out the benefits of sending clients to them. It was most definitely a sales pitch. They played heavily on the charity angle but when I asked about who funded them (I knew about the 11% commission they get) got one or two sideways looks. When I asked about their view on unenforceable agreements it went down like a lead balloon. Each to their own though, it must work for a lot of people because they've certainly grown in the last couple of years.

[Undercover-Elsa]

CCCS seem to have a bad attitude to CCA disputes

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/245247-cccs-closing-dmp-re.html

 

CitizenB..we're only revolting peasants after all..what do we know about Statute Barred Debts?

(Or "statue barred" as they get called, which creases me.I can't help imagining a DCA leaving a threatening Venus de Milo on your doorstep, to which you respond with the "Statue Barred Template"..)

[Laura Cooke]

If any of you fancy a look on my thread Laura Cooke/Capital One it`s a eye opener sorry to mention if on here but Cap 1 sent Sars nont much for the sars belonging to my hubbie but got another persons sars included in the package!!!

[citizenB]

CCCS seem to have a bad attitude to CCA disputes

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/245247-cccs-closing-dmp-re.html

 

CitizenB..we're only revolting peasants after all..what do we know about Statute Barred Debts?

(Or "statue barred" as they get called, which creases me.I can't help imagining a DCA leaving a threatening Venus de Milo on your doorstep, to which you respond with the "Statue Barred Template"..)

 

Now is that meant to read "we are revolting" or "we are revolting" :lol:

 

Oh that is funny.. statue barred.. who is that little gem from ?

[brooooooooooce]

CCCS seem to have a bad attitude to CCA disputes

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/245247-cccs-closing-dmp-re.html

 

CitizenB..we're only revolting peasants after all..what do we know about Statute Barred Debts?

(Or "statue barred" as they get called, which creases me.I can't help imagining a DCA leaving a threatening Venus de Milo on your doorstep, to which you respond with the "Statue Barred Template"..)

 

It goes back to the funding issue. If CCCS get 11% of everything you pay to your creditors are they more or less likely to maximise what you can afford to pay? 11% of nothing is, well sweet fa. They are are not like the CAB who, I think, are more likely to give you unbiased advice because they have nothing to gain. Once commission and targets enter the frame....well you only to look at the mess created by insurance companies, financial advisors and the banks.

[oilyrag]

Hi Brooooooce,

 

I have had a little spat about CAB on another thread. I was a Stafford Hospital patient and in 1999/2002, I and one or two others were warning that this hospital would end up killing people. 1250 dead bodies, 2 behind closed doors gov't enquiries attest to that statement. At that time, you were not allowed any professional help whilst in the complaints procedure other than CAB or the Community Health Council (NHS funded) please note otherwise the NHS and the GMC had/have a legal right to walk away from you. Well the CAB guy turned out to be running with the fox and hunting with the hounds, ex probation officer and a director of the health trust concerned plus being the convenor for the independent reviews and the most accomplished liar and charlatan I have ever come across. So would no longer trust anything CAB says now unless it can be corroborated from more reliable sources.

 

Just be careful of all of these people, they all have some axe to grind. sadly it is not a nice world we live in.

regards

oilyrag.

[Undercover-Elsa]

LOL I daren't name names or I'd get lynched! But if you search Statue Barred on posts you'll be amazed who says it

[brooooooooooce]

Hi Brooooooce,

 

I have had a little spat about CAB on another thread. I was a Stafford Hospital patient and in 1999/2002, I and one or two others were warning that this hospital would end up killing people. 1250 dead bodies, 2 behind closed doors gov't enquiries attest to that statement. At that time, you were not allowed any professional help whilst in the complaints procedure other than CAB or the Community Health Council (NHS funded) please note otherwise the NHS and the GMC had/have a legal right to walk away from you. Well the CAB guy turned out to be running with the fox and hunting with the hounds, ex probation officer and a director of the health trust concerned plus being the convenor for the independent reviews and the most accomplished liar and charlatan I have ever come across. So would no longer trust anything CAB says now unless it can be corroborated from more reliable sources.

 

Just be careful of all of these people, they all have some axe to grind. sadly it is not a nice world we live in.

regards

oilyrag.

 

I know all about the NHS and its complaints procedure. We endured a 4 1/2 year battle with our local NHS Trust. 2 weeks before trial (after months of them trying to get us to mediate and our refusing) they admit 100% liability, their guilt and a full public apology.

 

You are right, sometimes it is not a nice world. What I like about CAG is it is a resource for the layman. It reminds me when fighting the NHS we had the support of a similar group set up to support families who had suffered the same fate as ourselves. Back then it opened my eyes to the power of the internet - it also made me realise that quite often these 'professionals' we rely so heavily know little more than a well researched layman (particularly when the subject is very specialised).

[oilyrag]

Hi Elsa,

 

Have done the search. 998 results in 0,53 seconds. Brilliant:lol::lol::lol::lol:

 

regards

oilyrag.

[JonCris]

Please remember CCCS are funded by the money lenders

[diddydicky]

i may be wrong on this but i think this need putting in perspective

 

the CCCS is a charity and the credit card companies are "required" to contribute to it's funding

 

which is a lot different from the implied suggestion that they own/operate the CCCS for their own ends

 

it exists to help those who are in financial difficulties to manage their debts with the credit card companies

 

as far as i am aware it has no remit to challenge debts or to offer advice to those who wish to challenge their debts in which case it would seem unfair that people should "slag it off" as a puppet of the finance companies

 

it does what it says on the tin!! - helps people MANAGE their DEBTS

[vint1954]

Registered charity

 

Consumer Credit Counselling Service is a registered charity whose purpose is to assist people in financial difficulty by providing free, impartial and realistic advice.

Foundation for credit counselling

 

The Foundation for Credit Counselling, based in Leeds, is the umbrella charity for Consumer Credit Counselling Service in the United Kingdom. Through its free national telephone service, ten regional centres and online CCCS Debt Remedy, CCCS is able to help people with debt problems wherever they live.

Successful formula

 

Based on a proven and successful formula, our specialist advisory service has already helped thousands of people in the UK by providing counselling on personal budgeting, advice on the wise use of credit and, where appropriate, managing achievable plans to repay debts.

[AA99]

it does what it says on the tin!! - helps people MANAGE their DEBTS

 

Quite agree dd, but who do they leeeeeean to?

[JonCris]

vint don't care what the spin claims they ARE funded by the money lenders & if you search this & other forums you'll find quite a number of people who've been let down by them & that's despite some of them having unenforceable aggreement

[diddydicky]

Quite agree dd, but who do they leeeeeean to?

 

i dont think they lean anywhere

 

they are dealing with debts that debtors admit they owe

 

their purpose is to act as an intermediary in trying to ensure that debtors are giving honest information about their I and E and not taking the p*ss when they offer the creditor a token payment

 

the creditors generally prefer folk to go through payplan or cccs so that at least someone has asked for varification of the debtors circumstances before they agree to cancel interest etc

 

no system is going to be perfect but for folk who do not dispute their debts and just want some breathing space i think it is successful

 

its just not suited to caggers who, by their enquring minds are not prepared to accept what they are told by the creditors

[oilyrag]

CCCS and thirty pieces of silver spring to mind. They have loosed many vulnerable people down, look on here, as JonCris says look on other forums.

 

And lets not be ingratiating here. A CCA dispute is a CCA dispute, a defective DN is a defective DN, UNLAWFUL RECISSION is UNLAWFUL recission and it is the credit card company that has and is behaving unlawfully AND has probably done so for the last 35 years or so.

 

So to claim unbiased help and advice seems to me to be just verging on the hypocritical and not just a little. We did not make the law, Parliament did and EVERYONE should obey it!!!! Lord Justice Argyll used to insist that the spirit as well as the letter was obeyed. Denning had the same approach.

 

regards

oilyrag.

[AA99]

i dont think they lean anywhere

 

they are dealing with debts that debtors admit they owe

 

their purpose is to act as an intermediary in trying to ensure that debtors are giving honest information about their I and E and not taking the p*ss when they offer the creditor a token payment

 

the creditors generally prefer folk to go through payplan or cccs so that at least someone has asked for varification of the debtors circumstances before they agree to cancel interest etc

 

no system is going to be perfect but for folk who do not dispute their debts and just want some breathing space i think it is successful

 

its just not suited to caggers who, by their enquring minds are not prepared to accept what they are told by the creditors

You are absolutely right dd, I'm hissing tonight I just don't trust anyone right now:cool: (CAG excepted)

 

CCCS and thirty pieces of silver spring to mind.

And lets not be ingratiating here. A CCA dispute is a CCA dispute, a defective DN is a defective DN, UNLAWFUL RECISSION is UNLAWFUL recission and it is the credit card company that has and is behaving unlawfully AND has probably done so for the last 35 years or so.

regards

oilyrag.

Can you spread that rumour around the courts please oilyrag:cool:

[diddydicky]

as i said- i dont think cccs was set up for the likes of caggers

 

i think ill leave my contribution there as it/they are not worth having an argument over

[gezwee]

Just to add my 2 pennyworth re CCCS

 

I think it has to be a case of each to their own. My own experience of them has not been particularly helpful (surprisingly not keen on managing a 90 year DMP) but then again I know of others who have successfully reduced their indebtedness with a manageable plan.

 

Looking at it logically, if you are happy to pay your creditors a fixed monthly sum with the benefit of 0 interest and charges why begrudge CCCS taking a kickback from your payment....... its not as if they are diluting your repayments or increasing the overall debt.

 

Where it does fall down is their eagerness to 'assist' people with admitting sizeable debts in the county courts. This really is a point that should be well outside of their remit and when alls said and done the net result of failing to complete AS results in a default judgement anyway, the latter does however leave the claim open to a simpler set aside option at a later date if the respondent realises they've been heavily caned for charges and post judgement interest.

 

Gez

[AA99]

Just to add my 2 pennyworth re CCCS

 

I think it has to be a case of each to their own. My own experience of them has not been particularly helpful (surprisingly not keen on managing a 90 year DMP) but then again I know of others who have successfully reduced their indebtedness with a manageable plan.

 

Looking at it logically, if you are happy to pay your creditors a fixed monthly sum with the benefit of 0 interest and charges why begrudge CCCS taking a kickback from your payment....... its not as if they are diluting your repayments or increasing the overall debt.

 

Where it does fall down is their eagerness to 'assist' people with admitting sizeable debts in the county courts. This really is a point that should be well outside of their remit and when alls said and done the net result of failing to complete AS results in a default judgement anyway, the latter does however leave the claim open to a simpler set aside option at a later date if the respondent realises they've been heavily caned for charges and post judgement interest.

 

Gez

 

You are very right there Gez, spread the word about CAG as an alternative though:cool:

[oilyrag]

Thats all fine guys, and yes we are trying to spread the word via the courts. Its just that our lot won't go anywhere near a courtroom at the moment, just another carousel of DCAs. Its beginning to look like a guest list for the CSA awards night. I wonder why?

 

However more seriously, I do believe that if the advice given is to be truly unbiased and in the best interests of their clients then CCCS and the others must come to accept and recognise that their paymasters in many many cases are breaking the law and as such forfeit ( as per the Statute) the rights and benefits and NOT dumping vulnerable people at what is usually a very bad time for them.

 

Perhaps my opinion of them could mellow if I heard more of that sort of information coming from what are in effect self styled, "unbiased" "experts" in this field.

 

regards

oilyrag.

[vint1954]

vint don't care what the spin claims they ARE funded by the money lenders & if you search this & other forums you'll find quite a number of people who've been let down by them & that's despite some of them having unenforceable aggreement

They may well be funded by creditors, I have no experienece of cccs.

 

They are though a charity, set up to help people manage their debts and as far as I can see, that is what they do.

 

But they will not get involved in people challenging their debts.

 

If they have changed the way that they operate, being biased towards creditors or letting down the very people that they were incorperated to assist, then the Charity Commissioners should be informed.

[citizenB]

Peeps, I think we are in danger of going off topic here in respect of CCCS

 

Can we get back to dissecting the Manchester Test case. Thank you