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    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • 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 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. 
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      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.

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      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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Distance selling Regs and eBay?


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A Paris Commercial Court awarded a 40 million Euro damage claim against eBay, eventually reduced to 5.7 million on appeal, because of the failure to prevent the sale of trade marked goods on the site, and then again a further fine of 1.7 million Euro, December 2009 because the sellers continued to advertise the goods.

 

eBay's defence was basically that "ebay does not supply any goods", which would seem to have not been so wise with hindsight.

 

8-)

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  • 1 month later...

Today I learnt something new about the Distance Selling Regulations. If you read an advert on the Internet in the comfort of your home, contact the seller and then go to view and purchase the advertised goods, i.e. a caravan, you are covered by the Distance Selling Regulations as it is deemed that the contract commenced at your residence although finalised at the seller's premises. This applies to traders only. I suppose that in additon to the Sales of Goods Act this gives you more protection if requesting a refund.

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The Distance Selling Regulations and the the Sale of Goods Act apply to contracts only. The Consumer Protection from Unfair Trading Regulations 2008 is the statute to apply to a trader, because the Regulations define offences.

 

The right to cancel provided by the Distance Selling Regulations is therefore an alternative to the Sale of Goods Act rather than an addition. With the contract cancelled there is no contract to apply the Sale of Goods Act to. From there on the cancelled contract counts only to the extent that the Regulations refer to it.

 

8-)

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The SOGA and the DSRs apply to the extent that a contract exists and to the extent that the contract is legitimate, as per section 3 of the Sale of Goods Act.

 

The CPUTRs apply to the practice of a trader in general and may thus apply to advertising, with no consumer yet involved as an actual buyer.

 

Section 10(2) of the DSRs is the part they miss when the punters in their ignorance expect to cancel a contract while continuing to complain about the quality of the goods or the fact that goods were not delivered: On eBay for instance the correct way to go about it is for a seller to declare a mutual agreement to discontinue the transaction. The incorrect way to go about it is to claim to have cancelled the contract and to also proceed to the Paypal Dispute Resolution Centre to complain about the performance of a contract.

 

(2) Except as otherwise provided by these Regulations, the effect of a notice of cancellation is that the contract shall be treated as if it had not been made.
To complain that goods paid for were not delivered or to complain that the goods were bad is to treat the contract as if it had been made.

 

8-)

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Pretty much the entirety of that original posting is wrong.

 

If you read an advertisement on the Internet and then proceed to finalise the contract when you go to see the goods the Distance Selling Regulations would not apply because the Regulations apply to a contract concluded at a distance and the finalisation of a contract is the conclusion of it.

 

"concluded" is the key term, not "commenced".

 

If, on the other hand, you agree to a seller's terms online and promise to purchase it would make no difference if you go to collect the goods and pay in cash so long as the deal was already done, with no caveat for instance that you wish to inspect the goods before you agree to pay. If that's the case the contract of sale would not be concluded.

 

 

distance contract” means any contract concerning goods or services concluded between a supplier and a consumer under an organised distance sales or service provision scheme run by the supplier who, for the purpose of the contract, makes exclusive use of one or more means of distance communication up to and including the moment at which the contract is concluded;

http://www.legislation.gov.uk/uksi/2000/2334/regulation/3/made
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You have absolutely no comprehension of the law and on numerous post you offer incorrect advice. I am not even going to bother to argue this one with you as it just goes over your head and even when presaented with facts contrary to your view, you decdie you are always correct anyway..

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For those sufficiently blessed with an adequate comprehension of English there was nothing so new to learn about about the Distance Selling Regulations anyway, except to have failed to bother to read them.

 

The statute came to force a full ten years ago [31 October 2000] and was not since amended, except that Part 8 of the Enterprise Act subsequently defined how the consumer protection legislation must be construed, in general.

 

Those are the facts of the matter.

 

8)

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  • 1 month later...

For good measure, section 210 of the Enterprise Act is to be found here:

 

http://www.legislation.gov.uk/ukpga/2002/40/section/210

 

If anybody has anything to say on the subject it may as well be said here and now, to refer back to instead of disrupting thread after thread.

 

The definition of a consumer applies by way of 212(4):

 

References to a listed Directive or to a listed Regulation must be construed in accordance with section 210.
With regard the DSRs the listed Directive is 1997/7/EC

 

The usual point of contention is that a business includes

 

© any undertaking in the course of which goods or services are supplied otherwise than free of charge.
8-)
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There was already a thread on "Distance selling Regs and eBay?"

 

See posting #6.

 

Consumer Protection from Unfair Trading Regulations 2008 may be applied to invitations to buy but with no actual acceptance of a supplier's offer to sell. The DSRs and the SOGA apply to a contract.

 

8)

Edited by perplexity
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Today I learnt something new about the Distance Selling Regulations. If you read an advert on the Internet in the comfort of your home, contact the seller and then go to view and purchase the advertised goods, i.e. a caravan, you are covered by the Distance Selling Regulations as it is deemed that the contract commenced at your residence although finalised at the seller's premises. This applies to traders only. I suppose that in additon to the Sales of Goods Act this gives you more protection if requesting a refund.

 

If they had followed it up by phone, email etc, maybe but not if the contract is made on the Trader premises. If the caravan is away from the Traders usual premises it may apply depending on the circumstances so it's by no means clear cut.

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