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    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report?   The three I have with the May date are moot anyway as either way they are gone - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August so I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they.   I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc?   I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's.   Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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THE Election - Made your mind up yet ??


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Lets keep it civil, can we?

 

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As an ex civil servant (I did 10 years) with many friends who are still in the Civil service I am disgusted at people's opinions of those who usually work bloody hard for peanuts to try and help people as much as they can and do their job as best they can considering the service they are left with and have to try to work with :mad::mad::mad:

 

Average wage more than people in the private sector??!! :lol:! I'm sorry dear but you are very much wrong there if you are talking about the majority of front line staff. As with any establishment, it's the big wigs at the top who earn all the real money, and it's them who need to go. NOT those who ARE needed in order to provide the services needed. The cuts will go ahead and would have regardless of who won. Labour have already been cutting staff for years, with no regard of the mess that it caused. One of the many reasons I left was because it was too stressfull, being expected to carry out the same ammount of work with half the staff. It doesn't work. People are expected to do overtime they are not paid for just to keep their head above water. This idea of a bunch of people sat around doing nothing drinking tea infuriates me and smacks of nothing but bloody ignorance! As for their pensions and slalaries being protected, pah, that's why they have been striking, because the gov are as good at keepig promises to their staff as they are with the rest of their policies. Traditionally they got good pensions and one reason for that was because of the low pay they got in comparision. Those days are long gone.

 

I'd like to know where it was in my post that I said any of the things you appear to have ascribed to me.

 

All I have asked is who the extra 750,000 are and what they are doing. That's a fair question in my mind given that my taxes go towards paying for them.

 

My wife works in the public sector - right in the 'front line' at a special needs school. I am not anti public sector. I just want to know why we need 750,000 more public sector workers than we had 13 years ago. Some of them will be additional health care workers and teachers which I am all in favour of. But who are the rest and why do we need them?

 

They are legitimate questions, not statements of fact.

 

As far as wages are concerned, here is just one article: Public sector pay races ahead in recession - Times Online

 

I know that there are bound to be good reasons for some of this, like a lot of the lower-paid workers being contracted out from public to private, but I also know that my wife's salary has increased by a much bigger percentage than mine over the last 10 years.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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This shows a few of them Fred

 

_46312736_nhs_staff_466gr.gif

 

Gotta say I am surprised that there are more admin/support than there are nurses in the NHS. I expect admin/support includes things like cleaners. Managers almost doubled looking at that graph.

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This shows a few of them Fred

 

_46312736_nhs_staff_466gr.gif

 

Gotta say I am surprised that there are more admin/support than there are nurses in the NHS. I expect admin/support includes things like cleaners. Managers almost doubled looking at that graph.

 

Well most of the cleaners are probably contracted out and therefore in the private sector, so they wouldn't count as members of the NHS.

 

You shouldn't be surprised at the extra admin. staff - somebody has to 'monitor' all of the targets that have been set and then fiddle the figures. Health professionals should be left alone to decide who needs what treatment on the basis of need, not on the basis of some artificial target.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Unbelievable. Tories in power for less than half an hour and already a Scottish family is unemployed and homeless. :D :D :D

 

Don't worry, he'll get a big fat pension that most of us could only ever dream about and we have to pay for it.. Most of us haven't wrecked the economy and the pensions industry or wantonly sold the country's gold for the wrong price either.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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According to the Times article I linked to earlier, there are actually 914,000 more public sector workers now than there were 13 years ago, not the 750,000 that I was quoting.

 

We have definitely not got 914,000 extra Teachers, Nurses and Doctors.

Edited by Fred Bassett

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Lets keep it civil, can we?

 

Thank you.

 

Civil?

 

:

Cromwell died on 3 September 1658, the anniversary of two of his greatest victories; twenty months later Charles II was recalled from exile and the monarchy restored. Cromwell had been buried in Westminster Abbey, but in 1661 he was exhumed and hanged in his shroud at Tyburn. His head was cut off and displayed outside Westminster Hall"

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by Fred Basset:

"We have definitely not got 914,000 extra Teachers, Nurses and Doctors."

 

There are too many managers, there are too many scribblers and all on high salaries!

 

The people that are needed, as Fred says, are qualified teachers, nurses, doctors etc...

 

Cut out the high salaries that are being paid to the civil servant pen pusher's.

 

Take a look at your local council, take a look at the salaries paid out to the bod's at the top

 

Take a look at the colossal money that Ed Ball's wasted on education; mind boggling.

 

Please do not misunderstand my word's, the people on the ground deserve to be paid well (they are not) but not the, so called manager's

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Unbelievable. Tories in power for less than half an hour and already a Scottish family is unemployed and homeless. :D :D :D

 

Ah, but there's the thing, he isn't unemployed, he only stepped down as leader and not as an MP, so if he is too pig headed to sit on the opposition benches, he will still be paid.

 

If he don't show up I think we should start a No10 petition to get him to relinquish his MP status as well or he will be no better than the chavs that stay at home and get paid.

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Ah, but there's the thing, he isn't unemployed, he only stepped down as leader and not as an MP, so if he is too pig headed to sit on the opposition benches, he will still be paid.

 

If he don't show up I think we should start a No10 petition to get him to relinquish his MP status as well or he will be no better than the chavs that stay at home and get paid.

 

I thought we had stopped talking about the royal family

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Ah, but there's the thing, he isn't unemployed, he only stepped down as leader and not as an MP, so if he is too pig headed to sit on the opposition benches, he will still be paid.

 

If he don't show up I think we should start a No10 petition to get him to relinquish his MP status as well or he will be no better than the chavs that stay at home and get paid.

 

He has stated that he will step down as an MP as well.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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So who are these 914,000 extra public sector workers that we have employed since 1997? I see Woody is online, perhaps he would like to tell us all. I for one would love to know.

 

We've seen from the graph above that there are about 175,000 extra admin. staff in the NHS, all vital and much more important in a health service than doctors and nurses I'm sure - but what about the rest?

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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So who are these 914,000 extra public sector workers that we have employed since 1997? I see Woody is online, perhaps he would like to tell us all. I for one would love to know.

 

We've seen from the graph above that there are about 175,000 extra admin. staff in the NHS, all vital and much more important in a health service than doctors and nurses I'm sure - but what about the rest?

 

Well forgive me if I cant account for every job in the public sector, however I will put the ball back into your court and ask you to prove these figures that you are qouting. It has certainly not been my experience of huge overstaffing. I did read with interest a post made on here a few days ago when someone was calling for all outreach workers to be sacked, without having a clue what an outreach worker was.

 

Here is my attempt to debunk the figures.

 

The Other TaxPayers' Alliance | Right-wing think-tank demolishes public spending myth

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Ah well, we'll know soon enough from Osborne's emergency budget what's to be cut. I do suspect that a lot of jobs could go without it having the slightest effect on front line services.

 

We shall see.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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wall.gif Good start. Not.

 

Appointed to Home Secretary and Minister for Women and Equality, please make room for Ms May Theresa.

Her track record, she has voted

- against repealing section 28

- against lowering the age of consent in homosexual relationships to 16

- against gay adoption rights

- against Human Fertilisation and Embryology Bill which would give homosexual couples the ability to receive fertility treatment.

 

She also refused to attend vote on Gender Recognition Act that allows transsexuals to change their legal gender.

 

*sigh* :-(

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She's a f'ing bigot.

Shh... look at what trouble saying that got Gordon Brown in!!!

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