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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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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.

      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
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Help Please DEBT COLLECTORS HOUNDING ME


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Yes ok but what if welcome and hfc say they cant find the paperwork etc...i have been paying the two dcas for hfc and welcome for 2 years etc ,so wont that mean i admit to them

 

No not in the slightest, you made those payments under duress before you became aware of your rights.

 

TV licence needs to be got on top of, ring TVL and before they transfer your call to their tame DCA 'Idiot iQor' tell them you WILL ONLY pay TVL directly, not this tin pot shower who you have no business with.

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!

 

 

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right so on monday i will get these sars with hfc and welcome sorted ,but what do i tell tbi and ruthbridge in the meantime,i am new to this and dont want are acton taken agaist me,what if welcome have no paperwork or hfc dont have any paperwork what abt the £2000 plus i have paid to tbi and ruthbridge

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you let them fleece you they'll take the gifts sadly. theres nowt you can do to get it back.

 

this is why it is SOOOO important to not just

believe what these leechers tell you but to check every tiny detail!

 

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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penny not dropping is it..........

 

if the OC of the 'debt' you are paying fleecers for has no paperwork then they [the dca fleecers] have none either!

no paperwork = no debt

 

in otherwords, its statute barred and all they have been doing is what they do best, fleecing people on debts that no longer exist because people

believe the threat-o-grams these leeches send out.

 

the term cash cow comes to mind.

 

you must really read your thread carefully

for 81 posts now

 

most people have been pointing out that dca's have

 

NO LEGAL POWERS

 

they are NOT bailiffs they can do

 

NOTHING TO YOU.

 

sadly few people learn or realise this.

 

this is why the debt collection industry is worth SO much money

 

people just cough up, mindlessly.

 

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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Johnnycee,, PLAIN AND TO THE POINT...DCA'S HAVE NO POWER REMEMBER THAT AND YOUR 99% THERE.... DX100UK HAS PUT IT STRAIGHT TO YOU. DON'T WORRY ABOUT THOSE POND LIFE. THE OC HAS NO PAPERWORK, THEY WILL HAVE NO PAPERWORK. TELL EM TO DO THERE WORST...

 

ANY POST OR CORRESPONDENCE FROM THESE CLOWNS, POST IT UP ON HERE AND THE TEAM WILL TELL YOU WHAT TO DO. NOW FORGET ABOUT EM UNTIL THE NEXT CORRESPONDENCE ARRIVES. THEN JUST GET ON HERE AND LET THE GUY'S KNOW WHAT TRICKS THERE UP TO.

 

SOON AS THEY NO YOUR NOT WORRIED AND KNOW YOUR RIGHTS THEY WILL CRAWL BACK TO THERE CESS-POOL QUICKER THAN A RAT UP A DRAIN PIPE.

[sIGPIC][/sIGPIC]Happyhippy1959

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RIGHT CHECKED EQIUFAX ..it says

 

LOAN FROM TBI FINANICAL SERVICES...

OUTSTANDING £7000

START BAL £0

DEFAULT/DELINQUENT BALANCE £9.777

START DATE 2003

UPDATED 2010

DATE LATE DELINQUENT 04/07

STATUS DEFAULTED

TERMS V0@ £0MONTHLY ..

 

I HAVE NO PAPERWORK FROM WELCOME OR HFR

JUST LETTES FROM TBI AND RUTHBRIDGE

 

AND

 

I HAVE 2 CCJS ON THERE

ONE

 

FROM TOWER FOR 337

 

AND

ONE FORM PROVIDENT

FROM 2005 for 3300

 

WHICH BOTH COME OUT OF WAGES

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YES the courts put them one £4per week and £10 perweek they are for tower payday and edrupt co for provident,i wanna stop paying tbi and ruthbridge but i was looking at another post on here and this guy said tbi put a charge on his house etc...and i dont want them clowns doing that to me..the penny has dropped now...

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Strange, it usually only after you have defaulted on a payment to the court that they see fit to attach a earnings order.... hmmmmm oily lemons indeed. just had my house valued today £15,000 negative equity so go ahead put as many charging orders on as they want. I may go BR this year and really feck em up....... I can't see house prices rising in two years so no interest for OR..... anyway my ex other half can buy mine for a £1.00 plus costs...

[sIGPIC][/sIGPIC]Happyhippy1959

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hi again this bryan carter thing i have been paying and got a ccj for its addressed to my first name but the surname is 3letters and not my 4 and spelt different want shall i do if i stop paying it they can not do anything to me surely

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If the surname bears no resemblance to yours, then they are phishing, if you have contacted them, then regardless of what you have told them they will assume they have the right person.

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!

 

 

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They all talk the talk but NONE of them can walk the walk. I bet this is his first job after flipping burgers and it has gone to his melon head, having a desk with a phone, computer screen and a flip chart with their scripted threats on.

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!

 

 

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