Jump to content


  • Tweets

  • Posts

    • and it will be also now written off under age related criteria anyway.
    • @dx100ukThanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 161 replies
    • 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
        • Like

*** Let's Start Fighting Back - With 1 Penny Cheques ***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5159 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Okay, so Hillesden refuse to remove the default even though they have no agreement.

 

However, I've been popping batches of 1 penny cheques in the post to them. Seeing as it must cost them about 10p-20p in bank charges they are losing money every time they cash them.

 

I've just got a template in word and I print of a cheque book at a time (25 cheques).

 

To make it even better, I send them by recorded delivery but with NO postage on the envelope and therefore they need to pay the postage AND a £1 fine imposed by royal mail.

 

I'll be starting to send them $0.01 coins soon and a few 1 (Euro) cents soon too.

 

Each time I will ensure that the letter with it states that it is a full and final settlement and try to get a response from them for each payment. Taking up more of their time and wasting more of their money.

 

Once I've beaten them, and I WILL beat them. I'll move onto the next creditor.

 

Let's beat these b@$!"£& at their own game !

 

Come on, who's with me ?

 

EDIT:

 

Some clarification on the matter that I posted a little later

 

Sorry, maybe I should have made it clear from the start but they don't have a credit agreement agreement and have admited it, they are not going to chase the debt BUT they will continue to report this on my credit filelink3.gif. So as they are adamant that they will continue to report the balance on my credit file, they must of course accept the payments else the balance would be incorrect and I would have a case against them via the Information Commissioner`s Office.

 

As for 're-setting the clock' I am sure that I will have sorted this rather than waiting SIX YEARS.

 

Surely being pro-active and getting rid of them is better than waiting for over half a decade for it to 'drop off' your credit file.

 

I have used this process in the past with another company and they buckled after the 3rd batch of cheques. Closed the account and never heard form them again (It was not a credit account so didn't have any issues with the credit file), but they still closed the account and confirmed that there was nothing to be paid (they'd had enough of the penny cheques).

Edited by Mr_Homer_J_Simpson
Clarification
Link to post
Share on other sites

  • Replies 110
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

  • Haha 1

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!

 

 

Link to post
Share on other sites

Been on there, but ICO tends to side with CDA/banks anyway.

 

Might try sending via special with no postage so it cost them closer to a fiver to get 25p of cheques.

 

Trying to think of what else to send as my 'offer' of full and final settlement.

 

Buttons, bricks, the cardboard roll inside a roll of toilet paper. I'm going to start having a lot of fun with this.............

 

Edit:

 

I might even start drawing like this guy did.........

 

http://www.urlesque.com/2008/11/07/broke-man-tries-paying-bill-with-a-picture-of-a-spider/

Link to post
Share on other sites

I'm sure the 1p payments were all made "under duress" ;)

 

I like it when DCA's start sending me prepaid envelopes to return their "tell us your financial info and employers phone number" letters they laughingly call I&E forms.

 

I've had a few that accidentally got attached to roof tiles wrapped in brown paper. Then they accidentally fell into the post box.

 

Next week I'm off to buy some doughnuts.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

Link to post
Share on other sites

Err, cannot see the point?

Every time you make a 1p payment, you acknowledge the alleged debt!

 

Because it cost them 5 to 10 times as much as anything they ever receive off me and it doesn't make any difference to the fact that they don't have a credit agreement and can't do a damn thing about it.

Link to post
Share on other sites

I'm quite happy to continue to print 1p cheques until the day they stop cheque payments all together.

 

BBC NEWS | Business | Paying bills by cheque can be expensive

 

"At the time it came to the conclusion that the cost to a bank of processing a cheque was 44p"

 

 

Teach greedy banks a 1p lesson - Business News, Business - The Independent

 

"As it costs 45p to process a cheque"

Link to post
Share on other sites

Let's say you owe £1k which a DCA bought for say £50 to £100.

 

If you were to pay them just £10 by 1,000 1p cheques it should end up costing them around £450 to process.

 

45x the value of your payments

and

4.5x to 9x the price they paid for the debt.

 

What do you think folks ?

Link to post
Share on other sites

I think it is a total waste of time, do you honestly think they will bank them cheques and incur them charges?

 

How do you send recorded delivery without postage, what post office counter allow you to do that?

 

I hope for your sake that Hillesden/DLC don't find a enforceable CCA.

 

It has all been done and discussed before waste of time

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

Link to post
Share on other sites

To be honest, I dont bother with doing anything to any DCA, the day I get a ligitimate pre court letter is the day I will bother untill then I just file the letters and ignore, I only have 2, capital one and welcome and both have gone full circle with various letters from diff DCA's but no further because they haven't a leg to stand on.

 

Its costing them to keep writing etc so Im not bothered.

Link to post
Share on other sites

Do I think they'll bank the cheques ? No I don't think they will I know they will as they already have.

 

You see if they argue (as they are) that they are entitles to chase the debt and that they can report it on my credit file it would be wrong of them to refuse the payment and continue to report the higher amount as the outstanding balance.

 

As for sending recorded without postage paid. You simply ask your post office for recorded delivery stickers and put these on the envelopes before you pop the post into as post box. You do not had it in at the post office. Then it's gets processed as an item without enough postage and they are asked to pay what the postage would be + £1 royal mail charge.

 

It is costing them more money to deal with me than write if off. It's just a case of how long it will take them to buckle and I assure you they will give in. I will be sure to post the letter confirming so as/when I manage to beat these scumbags.

Link to post
Share on other sites

I think it is a total waste of time, do you honestly think they will bank them cheques and incur them charges?

 

How do you send recorded delivery without postage, what post office counter allow you to do that?

 

I hope for your sake that Hillesden/DLC don't find a enforceable CCA.

 

It has all been done and discussed before waste of time

 

 

Not a chance..........

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=8474&d=1241367028

Link to post
Share on other sites

I agree this would be a waste of my time and I would far rather spend it doing something I give a sh*t about which isnt what the likes of DLC have to rant at me.

 

@Fuzzybobble....

I always send which ever DCA it might be, my days supply of junkmail the ar*sehole postman has decided to dump through my door back to them in the prepaid envolopes.

Link to post
Share on other sites

I think it is a total waste of time, do you honestly think they will bank them cheques and incur them charges?

 

How do you send recorded delivery without postage, what post office counter allow you to do that?

 

I hope for your sake that Hillesden/DLC don't find a enforceable CCA.

 

It has all been done and discussed before waste of time

 

Yes, they really are that stupid !

 

cheques.jpg

Link to post
Share on other sites

So if I use this to get them to either write off the debt or accept a full & final settlement of say £50 and remove all traces of this from my credit file would this would be a waste of time ?

 

I don't see what the big problem is ?

 

It is doing exactly what I want it to do, costing them more money than they receive.

 

THE REVERSE OF HOW THEY WANT TO OPERATE !

Link to post
Share on other sites

I agree this would be a waste of my time and I would far rather spend it doing something I give a sh*t about which isnt what the likes of DLC have to rant at me.

 

@Fuzzybobble....

I always send which ever DCA it might be, my days supply of junkmail the ar*sehole postman has decided to dump through my door back to them in the prepaid envolopes.

 

That ar""hole postman would be instantly dismissed if he did anything with that junk mail than deliver it.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

Link to post
Share on other sites

Let's not worry about the postman. I'm glad he gives people something to post back in the freepost envelopes. It get's rid of junk mail, earns the post office some money for processing more freepost letters and best of all costs the DCA money and wastes their time.

Link to post
Share on other sites

I like it and ONLY and I do mean ONLY if a CCJ has been granted other than that its stupid and pointless but personally I wouldn't even pay them a penny.

 

Why only if a CCJ ?

 

Surely the point is the same, pi$$ them off into submission.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5159 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...