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    • I think my post is too long so I've split it ino two: It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I think my post is too long so I've split it into two: It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good.
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further. It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
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PPI Claims on Hold as legal action taken against FSA


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Well Heatman, its certainly begining to look that way, unfortunately. We all know what happened with bank charges and the cynic in me is alive and well.

 

However, we don't have all the pieces of the jigsaw yet and there's quite a bit of information needed.

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I can well understand your anger Heatman but I feel it is ill judged and misdirected.

 

This site, in particular, along with MSE and other sites have been at the forefront of many fights championing the consumer. There are lots of folk who give up their time freely on this site and have done so since 2006. You join in October 2010 and make such suggestions, please give me a break.

 

We are perfectly willing to offer you support and advice on PPI or other issues. Thats why most of us are here, because we believe in righting wrong.

 

Please remember that this has just happened and it will take time to develop tactics that are in the best interests of claimants. Maybe you have a positive and worthwhile suggestion to make, if so, please let us know.

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News item from the Scotsman

 

http://business.scotsman.com/business/Bankers39-appeal-delays-payouts-.6580365.jp

 

Bankers' appeal delays payouts

 

Published Date: 14 October 2010

By JEFF SALWAY

Thousands of consumers waiting for compensation over the mis-selling of payment protection insurance face long delays because of the British Bankers' Association's challenge against new complaint-handling rules.

 

The BBA has requested a judicial review of Financial Services Authority (FSA) rules coming into force in December requiring banks to reassess previously rejected PPI complaints dating back to 2005. The case is unlikely to begin before April and could last for several months.

 

Complaints unaffected by the judicial review will still be processed, according to the BBA, led by chief executive Angela Knight. But hundreds of thousands of claims will be effectively put on ice until it is over.

 

The BBA said that where this is the case, customers will be contacted by their bank.

 

It added: "Customers should be assured that all complaints will be reviewed - even those delayed by this judicial review process.

 

"There is no deadline for receipt of complaints. If customers have a problem regarding PPI they should contact their bank and, if necessary, complain in the normal way."

 

Its line was backed by high street banks including Royal Bank of Scotland, HSBC and Barclays.

 

Lloyds Banking Group previously said it would not consider any PPI claims until the judicial review was complete.

 

However, Lloyds told The Scotsman that while there may be a delay if clarity was needed from the FSA or the Financial Ombudsman Service because the judicial review may impact on the complaint, claims not affected by the review would be resolved.

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Competition Commission confirms ban on point of sale PPI. Some good news.

 

http://www.competition-commission.org.uk/press_rel/2010/oct/pdf/ppi_remittal_press_release.pdf

 

The Competition Commission (CC) has confirmed that it will introduce a remedies package based around a point-of-sale prohibition for all forms of payment protection insurance (PPI) (with the exception of retail PPI1May) after detailing how it will benefit customers. This follows the CC’s provisional decision on this issue, which was published in this year.

The point-of-sale prohibition would stop the completion of sales of PPI during the sale of the associated credit product such as a personal loan. It was one of a package of measures the CC planned to introduce following its investigation into PPI, which concluded that businesses that offer PPI alongside credit face little or no competition when selling PPI to their credit customers.

The report and in particular the proposed point-of-sale prohibition were the subject of a legal challenge last year to the Competition Appeal Tribunal (CAT) by Barclays, supported by Lloyds Banking Group and Shop Direct Group Financial Services Ltd. Whilst upholding the CC’s conclusions as to the competition problems in this market, the CAT ruled that it must in particular consider further the role and importance of a potential drawback to the prohibition, namely that it might inconvenience customers.

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Payment protection insurance sale curbs approved

 

http://www.bbc.co.uk/news/business-11537187

 

Banks will no longer be able to sell payment protection insurance policies when granting loans to customers, the Competition Commission has confirmed.

 

This "point of sale" ban was first proposed last year after a long investigation, but was held up by a challenge by Barclays bank.

 

PPI is supposed to cover borrowers' loan repayments if they fall ill, die, or lose their jobs.

 

Lenders will have to wait seven days before offering PPI to their customers.

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I used to work in a call centre, when I first heard about ppi.I borrowed some money and started to help people. I don't know what to do. I can't lie to my clients so I have made them aware of what is going. Should I carry on proccesing claims or shall just go back to work.

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From the Telegraph (extracts only- read the full article) http://www.telegraph.co.uk/finance/personalfinance/insurance/8067126/PPI-delays-after-banks-dig-heels-on-complaints.html

 

The BBA did not say which type of PPI complaints would be deemed "directly affected" and which would be unaffected by this legal action. Nor would it quantify what proportion of complaints now faced delays to get their claim settled. Customers should be told when they register a complaint whether they are affected though, a BBA spokesman said.

 

The dispute centres on new FSA rules, due to come into effect on December 1, stating banks must review PPI complaints against new sales standards, designed to root out highly pressurised selling tactics.

 

Daniella Lipszyc, a solicitor and director of Ultimate Law, added: "It's outrageous that the banks are putting customer complaints about PPI on hold. Hundreds of thousands of people are going to be affected by this decision, given that approximately 50,000 claims are handled by the industry each month. Yet again the action of the banks is having a damaging and detrimental effect on the consumer. These are the usual tactics of the lenders, who show that they can do what they like and nobody is able to put a stop to their antics – not even their own regulator.''

So what should consumers do? Those who feel they have been mis-sold a PPI policy should ensure they still lodge a complaint with their banks, or the lender that sold them the policy. Lenders are obliged to process all claims and will tell the customer if the complaint is put on hold. If it is not delayed, then the lender is required, under the FSA rules, to process your complaint as normal.

However, if you do receive a letter saying the claim is on hold because of the judicial review, the FSA has said there is nothing to stop you taking the complaint to the ombudsman, who will still consider your case and look at the evidence to rule whether or not your policy was mis-sold.

According to recent statistics from the ombudsman relating to PPI complaints, it finds for the consumer in more than eight in 10 cases. This is far higher than its average "uphold rate".

A spokesman for the Ombudsman said: "Customers have to complaint to the provider that sold them the PPI policy first. If after eight weeks they are unsatisfied with their response given then they are free to refer the complaint up to us. We are still looking at all PPI complaints were receive."

 

It is also unclear whether the FSA will take further action against the banks over their decision to put some complaints on hold. Recently it accused the banks of abusing the complaints procedures by stalling legitimate complaints, knowing that many customers would not pursue them further.

Consumer groups urged those people mis-sold PPI to be persistent. Ms Lipszyc said: "The FSA is facing a revolt from those it regulates and it is understood that the regulator is considering strong action." She said she understood the FSA was considering whether to file an injunction against the banks.

Edited by kennythecelt
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so they should

a blanket stop is just an excuse

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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why are martin lewis and co off other consumer websites, urging people to fire in claims quickly before the banks win this case?

 

i read it like you, but with the impending double dip recession, maybe the banks can no longer afford to pay the ppi out and need a 2 or 3 year block with appeals etc

 

will be interesting to see what if anything the FSA do, if the banks get claims on hold... it will be for years.

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why are martin lewis and co off other consumer websites, urging people to fire in claims quickly before the banks win this case?

 

i read it like you, but with the impending double dip recession, maybe the banks can no longer afford to pay the ppi out and need a 2 or 3 year block with appeals etc

 

will be interesting to see what if anything the FSA do, if the banks get claims on hold... it will be for years.

 

we are doing the same, but i don't think it's really necessary , but it won't hurt to be in the queue.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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the FSA has a track record of judging past sales against current criteria, to whit, pension transfers and endowment sales.

 

 

i do not doubt that some endowment sales were inappropriate, but not as many surely as was made out, because a lot of people just wanted the compensation.

 

I do not doubt that some pension transfers were inappropriate, but many stood up to the criteria in force at the time the transfer was made, they just didn't pass the new criteria they were judged against. Many advisers were ethical, honest etc, but funnily, the ones driven to inappropriate sales were the bank advisers - commission hunting!

 

However, the insurance companies just rolled over, why I don't know.

 

The FSA decided to try the same thing with banks, and then found out that the banks are not so accomodating, that they do indeed have teeth.

 

And while, I am sure, many of the MPPI products were sold inappropraitely, especially the 5 year ones, these produced big commissions for the banks and lenders, and they do not want to repay any.

 

I think the true number of correctly sold MPPI plans is probably small, but they were all sold under the guidelines of the time, which were not robust enough, and slowly got changed.

 

But judging anything from the past against current guidelines/laws is flawed.

 

Imagine that, (as an overt example) that driving while drunk now carried a mandatory long time in jail and that the permitted alcohol level in the blood is now one tenth of what it was; then review all past cases, conviicted or not, test against the new law, and find them guilty etc. even if in the past they were not.

 

You wouldn't like that would you.

 

Nor do the banks.

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no comparison at all.

 

they fleeced £1M's out of people because 'they could'

 

PAY BACK TIME

 

DX

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

I've got one in with HFC right now... I was paid out last month for my Barclaycard and HSBC ones.

 

Looks like they are trying to stem the tide again... time for a taxpayers revolt in this country if you ask me.

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yes,I do believe people power should be an option here as the big banks are once again trying to shaft the consumer.If enough "on Hold"letters are forwarded to the ombudsman for investigation then perhaps

there may be positive results.

I wonder what there reaction would be if I decided to put my repayments on hold awaiting the outcome

of their issue with Fos?

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scammed and will all the consumer sites shut up again?

 

do nothing?

 

seems that way, i wonder who funds them???

 

Suppose much of the blame should be focussed on Ambulance chasers who set up shop to make a kill with PPI in the same way they did with bank reclaims and promises of CC debt wipeout.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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