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    • I posted a couple of years ago about our debt situation and have been trying to pay off our debt as best we can. It is a possibility I maybe made redundant in a few months time, so I am trying to find out everything I can about what happens in today’s world when you can’t pay. I keep finding conflicting advice on various sites so I wanted to post this quote to get thoughts. It claims basically that the dca will likely get enforceable documents these days and therefore it’s likely you will have to pay dca at some point during the 6 year process.    on here I read a lot of comments assuming the exact opposite of this. A lot of the threads on here state the beginning of the process but I never see conclusive stuff about what happened from start to finish to get insight into whether debts post 2015 have been enforced etc. I hear a lot here not to pay dca companies but most my debts are post 2015 debts I am all up to date on our debts but if I lose my job it is likely I’ll end up where I tried to avoid in the first place. Which is destroying our files and dealing with DCA. I’ll post it below so you can see what I mean.   It is likely that any debts incurred after 2007 will end up with all the documentation being provided and being enforceable. Therefore you should use the time while awaiting responses going through your Income & Expenditure and considering any possiblity of making a full and final settlement. It can take a number of months to reach the stage of a hearing date and exchange of witness statements and normally you would be able to settle or come to an arrangement to pay before the court hearing, once documents have been provided, although this isn’t guaranteed.
    • depends who said sols state their client is. IDRWW vis~IDR(worldWide) are a debt collector regulated & registered in the UK & USA    they are not solicitors. they use various 'for hire' - here use our letterhead paper tiger solicitors. its just a case of who's stupid enough to join their folly. IDR law used to be their fav but they lost do much money, they broke ties after almost being struck off and now do Will/Probate disputes only. IDR Legal are their sols wing. moriarty law Judge and priestly Taheel - a foreign DCA that use absolutely any trick in the book to extort money even pretending to be any of the above inc being the bank themselves in phone calls.           
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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.  

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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.

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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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Whos been a silly girl then!


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Cant believe Im so stupid. I just had a call from some woman saying she was from the Warrington Crime Statistic Survey.

 

She asked to speak to the owner of the house.

She then asked if we had an alarm fitted either privatly or by the council.

 

I said we had but it never worked!!!!

 

She asked if we were part of a nieghbourhood watch scheme

 

I told her that even though there was one on the main road it didnt include our close.!!!!

 

She then asked what type of property it was

 

I told her it was semi!!!!

 

She thanked me and hung up.

 

Then I suddenly thought, B-----y H--l, Thats out of order ringing and asking people for those details.

 

So I did 1471 - withheld number, theres a surprise.

 

Then I realised, What a muppet, Ive just given all those details to a stranger.

I think Im quite savvy really and am always telling people to be wary and careful and yet I just totally went with it.

 

Am now going to start boarding up the windows!!!!:eek:

Edited by 1stlifeline
spelling mistake
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Hmm... Time to get the rottweiler you didn't mention on the call ;)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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It's amazing how easily we all impart information before engaging our brains!

There are always stories going around about the helpful bank/cc companies checking about fraudulent use on your card; if you can just confirm all the details and then give security code to check that it is the right card!!!!

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I live in the North West as well. Can you be a bit more specific about your actuall address please.:D

 

Well............I am a Scouser, what do you expect?:p

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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It's so easily done.

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