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    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
    • Hi All, I'm looking for help with a P2G claim for another lost parcel. Given the wealth of information on this site, I'm hopeful that this should be an easy one to fix, but want to be sure I have everything. On the 6th March, I contracted with P2G to send a parcel (a £600 Pioneer AVH-Z7200DAB car stereo which is not on either P2G or EVRi's excluded from compensation or prohibited items list) using EVRi, sent it off, and that was the last I heard of it. The EVRi tracking showed that the parcel had made it to the national sorting hub at 2:12 on the 7th, and then vanished. By Friday, I had started to get nervous, and so, raised an enquiry. And then another, and another - well, they weren't responding, and I couldn't get their telephone one to work, I think in all, it was more than 15 enquiries. I also raised an investigation with P2G as well. EVRi closed the enquiry confirming a loss on the 19th March, and P2G near the end, although P2G closed it claiming that I needed to send photos of the parcel as proof - which I didn't have, and I also do not have an account with P2G so couldn't upload anything (I did test, just in case), and this is why despite receiving advice on the EVRi Fb group to send the letter before claim, I haven't yet acted. I have proof of the eBay listing, and the refund, to demonstrate that which was being sent, but P2G's insistence that I have no photographic proof of the parcel with the label - I have the photo of the goods in their box before sending, but this is for the eBay listing, and so does not show it after the fact. This I fear is what P2G will seek to rely on as a defence, hence my 10 week delay on progressing with this. But, I am more than £600 out of pocket for the loss: £600 for the item and £8.04 for the delivery fee, although my claim will actually be for an initial £611.09 to cover the cost of the loss, their delivery fee, and my 1st Class Recorded stamp for the Letter Before Claim to P2G, rising to £681.09 to cover the additional £70 cost of opening the court case if they fail to respond within 14 days. This question mark surrounding P2G's request for photographic evidence, is this likely to cause me a problem? Steve
    • Had a letter response today dated 12/6/24 from PRA Group re request for information consumer credit act 1974. Confirming they are in receipt of my CCA letter request - and that they are requesting the required information. They returned the £1 postal order. And my CCA letter. Stating that they will contact me with an update ASAP. They attached/included a standard ( non personal ) page about ' what they should provide ' and ' what happens If I don't get this information'.    I need to file my defence by 21 June 24. Any suggestions as to what that defence should be ?   
    • Thanks @dx100uk for responding promptly.    To be quite honest with you, applying for breathing space might not really help except some short term relief. I don’t want to default either as I might lose my job too and I cannot really afford it. Sorry for sounding bit stupid but is there something I can do to stop them charging interest and agree on reduced payments? Can I use pro-rata payment letters to get out of this situation without too much impact? I am working on information that @BankFodderhas requested and will be sharing it later today.  
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      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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    • 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.
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      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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Credit file wiped after 6 years?


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Are credit files wiped clean after 6 years?

I believe I may have an outstanding debt with a mobile phone company but haven't received any letters from them and I have moved address, I haven't checked my credit file either.

 

If debt is wiped after 6 years, then isn't it possible to just take a loan and never pay it back?

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Are credit files wiped clean after 6 years?

I believe I may have an outstanding debt with a mobile phone company but haven't received any letters from them and I have moved address, I haven't checked my credit file either.

 

If debt is wiped after 6 years, then isn't it possible to just take a loan and never pay it back?

 

If you want another 6 years of stress, hell and hassle that in no way compensates for the loan you have taken, then yes. However, as you have stated these intentions, it would be a criminal act. I wouldn't recommend such actions for both of these reasons. I wouldn't dream of getting credit I couldn't afford to pay back on time, let alone intend not to pay back, for any reason. Don't do it.

What sort of world do you want your kids to grow up in?

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If you want another 6 years of stress, hell and hassle that in no way compensates for the loan you have taken, then yes. However, as you have stated these intentions, it would be a criminal act. I wouldn't recommend such actions for both of these reasons. I wouldn't dream of getting credit I couldn't afford to pay back on time, let alone intend not to pay back, for any reason. Don't do it.

 

I'm just saying that a lot of people do it and then skip the country.

I didn't state anything above :D

I have no need for aloan anyway, it was an interesting argument I was discussing yesterday.

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If a debt has not been acknowleged for 6 years then it becomes statute barred. Debts do not show up on credit checks after 6 years. So in theory yes you can take out a loan and then scarper.

 

Be warned however: If you apply for a job in finance or something that requires you to have a credit check older debts can show as a few caggers on here have found.

 

Can I just add that cag does not condone or entice debt avoidence.

I know your question was theoretical:)

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If a debt has not been acknowleged for 6 years then it becomes statute barred. Debts do not show up on credit checks after 6 years. So in theory yes you can take out a loan and then scarper.

 

Be warned however: If you apply for a job in finance or something that requires you to have a credit check older debts can show as a few caggers on here have found.

 

Can I just add that cag does not condone or entice debt avoidence.

 

I know your question was theoretical:)

 

Something must be wrong in the credit file system though if it's supposed to be clean after 6 years yet old debts/CCJs are showing up?

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I did not know anything showed up after 6 years but apparently it can when you apply for a job in banking, finance.

 

Don't ask me how cos I don't know.

 

It is that some caggers have posted on here that they couldn't get a job because of old defaults etc 10 years ago.

 

It must be similar to a criminal record. When an employer does a CRB check it shows up X amount of years but an enhanced CRB check shows a longer period.

 

It's all very confusing:confused:

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If you want another 6 years of stress, hell and hassle that in no way compensates for the loan you have taken, then yes. However, as you have stated these intentions, it would be a criminal act. I wouldn't recommend such actions for both of these reasons. I wouldn't dream of getting credit I couldn't afford to pay back on time, let alone intend not to pay back, for any reason. Don't do it.

 

On a philosophical note, it is ironic that the banks charging you for the service of loans are actually lending out money created electronically that they don't have something a lot of people don't consider. It is one of the best legal scams I have ever heard of :)

This is a US example but the same applies for UK banks...

http://moneyterms.co.uk/reserve-requirement/

 

Anyway, thanks for feedback.

Edited by qwertyjjj
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On a philosophical note, it is ironic that the banks charging you for the service of loans are actually lending out money created electronically that they don't have something a lot of people don't consider. It is one of the best legal scams I have ever heard of :)

This is a US example but the same applies for UK banks...

Reserve requirement

 

Anyway, thanks for feedback.

 

The biggest [problem] is Central Banks being private. :wink:

What sort of world do you want your kids to grow up in?

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Hello renegotiation!

 

Absolutely.

 

It's a great shame that few people even know what a Central Bank is.

 

It's a complete tragedy that fewer still appreciate how utterly rotten and evil they really are.

 

Cheers,

BRW

 

Don't give up mate, as the awakening is growing. Albeit slowly...

What sort of world do you want your kids to grow up in?

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Hello renegotiation!

 

Don't give up mate, as the awakening is growing. Albeit slowly...
Too slowly, sadly!

 

Those who are aware must work even harder to open more eyes to the issue.

 

Now is the time! Never have so many been so fed up with bankers...and yet while we all suffer, they are back to making obscene profits again, and are licking their chubby lips at the prospect of Hoovering up all the assets (at bargain prices) of those who will go bust and/or who will lose their homes in this latest engineered downturn.

 

The worst of this has yet to start...2010 looks set to be a bumper year for the banks. They are awash with number-money, they have a big rubber stamp from the Judiciary, they have Political backing from their mates in Government and the Consumer Credit Act has been de-fanged and emasculated.

 

The banking Asset-Grab Gold Rush will get going soon, and they won't stop until they have gorged themselves on peoples' misery.

 

Cheers,

BRW

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