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    • J&P Credit Solutions are specialists on debt recovery. Either way they seem to be swapping between the JandP and IDR whatever their exact definitions are.
    • Primary and secondary teachers are supporting pupils with their own money, buying food and warm clothing. Eight in 10 primary teachers in England spending own money to help pupils | Education | The Guardian WWW.THEGUARDIAN.COM Increasing numbers of children hungry and lack adequate clothing, with two-thirds of secondary teachers also supporting pupils  
    • I googled "prescribed disability" to see where it is defined for the purposes of S.92. I found HMRC's definition, which included deafness. I don't  think anyone is saying deaf people cant drive, though! digging deeper,  Is it that “prescribed disability” (for the purposes of S.88 and S.92) is defined at: The Motor Vehicles (Driving Licences) Regulations 1999 WWW.LEGISLATION.GOV.UK These Regulations consolidate with amendments the Motor Vehicles (Driving Licences) Regulations 1996...   ….. and sleep apnoea / increased daytime sleepiness is NOT included there directly as a condition but only becomes prescribed under “liability to sudden attacks of disabling giddiness or fainting” (but falling asleep isn't fainting!), so it isn’t defined there as a “prescribed disability”  Yet, under S.92(2)(b) RTA 1988 “ any other disability likely to cause the driving of a vehicle by him in pursuance of a licence to be a source of danger to the public" So (IMHO) sleep apnea / daytime sleepiness MIGHT be a prescribed disability, but only if it causes likelihood of "driving being a source of danger to the public" : which is where meeting / not meeting the medical standard of fitness to drive comes into play?  
    • You can counter a Judges's question on why you didn't respond by pointing out that any company that charges you with stopping at a zebra crossing is likely to be of a criminal mentality and so unlikely to cancel the PCN plus you didn't want to give away any knowledge you had at that time that could allow them to counteract your claim if it went to Court. There are many ways in which you can see off their stupid claim-you will see them in other threads  where our members have been caught by Met at other airports as well as Bristol.  Time and again they take motorists to Court for "NO Stopping" apparently completely forgetting that the have lost doing that because no stopping is prohibitory and cannot form a contract. Yet they keep on issuing PCNs because so many people just pay up . Crazy . You can see what chuckleheads they are when you read their Claim form which is pursuing you as the driver or the keeper. they don't seem to understand that on airport land because of the Bye laws, the keeper is never liable.   
    • The video-sharing app told the BBC that a "very limited" number of accounts had been compromised.View the full article
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How long till another Beryl Brazier case?


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Thank you for starting this thread. I started something similar some months ago, hoping to get a campaign started, but it petered out, probably due to my having to cope with so much other stuff. We'd got as far as thinking we needed someone famous to front it, or maybe several supporters.

 

Currently there is an inquest on this poor man, and it seems likely that his worries about his debts contributed to what happened.

 

http://www.dailymail.co.uk/news/article-1299908/Claim-debt-laden-Andrew-Case-stabbed-wife-killed-children-inquest-opens.html

 

As usual, on the BBC report you have linked us to, there are references to National Debtline and CCCS, but EVERY TIME there is a report like this there should also be a reference to CAG, because CAG is the real life-saver.

 

I was absolutely besides myself before I discovered CAG. If it hadn't been for my daughter asleep upstairs I would have driven my car into the river. Why? Because I had been so absolutely terrified by Allied International Credit. They frightened me to death. I thought I would be evicted from my home within a month for the sake of owing money to Amex. All lies, of course, but how could I know that? And, more to the point, how can anyone who is getting those very same calls today know they are lying either?

 

Just before AI, I'd had a call from a total b**tard at Mercers, again demanding I gave him all the money in my account despite my saying it was all I had for food.

 

CCCS did help me, although I didn't go along with their idea of a payment plan. I'd called the FSA for help because I was so desperate and they put me in touch with CCCS, and as soon as I got a reference number AI backed off completely.

 

However, I didn't have anyone to actually talk to. I knew there must be other people in my situation but I didn't know how to contact them until, thank God, I found CAG.

 

Apart from the absolutely brilliant advice the site offers, it also offers friendship. It may be cyber-friendship, but it's friendship with people who actually understand what you are going through. I would never have thought I could actually laugh about debt but I learned that you can, and that it can be really empowering when you learn to fight back with the DCAs.

 

If you are debt-ridden and it all seems out of control you have no money to go anywhere, and that is where this site can help. You can log on and have immediate support and contact with the outside world. I'm assuming press releases are being sent out regularly to all papers, columnists, TV and radio? I hope they are being sent out every time there is a report on someone killing themselves due to debt, because really CAG needs a much higher profile and we need to get the press to mention CAG.

 

By all means use NDL or CCCS, but even if you just want to let off steam or just have a giggle, CAG is there for you, and I think that is a very important point to get across to the public.

 

Incidentally, if you google "Help with Debt", CAG doesn't come up - at least not on the first four pages of answers. Yet CAG, more than any other organisation, actually does help. We actually do care about the other people on this forum. If someone is going to court, they will come back to find posts asking how they got on. When Rooster died, and when babybear was so ill, we all cared. That is what makes this site so unique, and really it is very important to publicise that. Lots of journalists write about debt so let's make sure they all know about CAG.

 

DD

 

Well said DD. I know what it can be like. Although I can't claim to have suffered as much as some, I've been very close. Luckily for me I have a supportive wife but even on that front things were dodgy for a while after she found out what I'd been hiding from her. I found a way out, initially through the CCCS, who were a godsend at the time, but then through CAG. At one point I was referred by my Doctor to the mental health team because I was really struggling to cope. I have to say that the health services in my area are excellent.

 

Nowadays, although I treat my personal situation seriously enough, I do my best to have a laugh and I hope I've made a few people on here laugh as well. Let's face it, you just couldn't make up a lot of the stuff you read on here.

 

The whole point though is that, through membership of the CAG, you learn to take control of your situation and that, most importantly, you realise that the people you are dealing with are 99% p*ss and wind. When that realisation dawns you can actually start to live your life again and even have a bit of fun at the expense of the idiot debt collectors. I know I have. I am paying off my (enforceable) debts bit by bit and the rest can all wait, although I will make them an offer when the time is right for me. My finances are on track and I'm in control. I can now support my family properly again and much of this is down to the help and advice I've received on this site.

 

Regards to all.

 

Fred

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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The changes don't need to be to the current law and guidelines but with the regulatory bodies tasked with enforcing them. 3 strikes and you're out. DCAs only behave in this way becasue nothing is done to stop them - paltry fines following years of half-hearted investigation. They are like children - continuously pushing the boundaries and continuously getting away with it. Lack of enforced regulation is tacit approval to continue with the behaviour. In this industry you are guilty until proven innocent in their eyes. It can change but it will take time. I could go on and on, but I won't...

 

 

There is a word that comes up often in regulatotion - proportionality. I suggest you look into it.

 

Unfortunatley the current govt wants less regulation and is cutting funding to the bodies that responsible for regulating these issues so things could get worse from an overall perspective.

 

You will also find Debt collection is not a priority for certain regulators such as some TS, the complaint levels for DCA are often not even in the 5 top complained about areas.

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Here’s a tragic case that could have done with some digging. Wonder if anyone harassed the Bank of Scotland about this?

 

http://www.debtmanagementtoday.co.uk/newsstory?id=1182&type=newsfeature&title=tragic_mother_s_suicide_caused_by_debt_stress

 

When I read stuff like this it makes me think that we should vary our approach in our dealings with these companies.

 

What we should do is compile a list of all of the DCA/Bank-related deaths and preface all of our correspondence with them thus:

 

 

Dear ....

 

I am aware that your organisation was complicit in the deaths of Fred Blogs, Joe Green and Beryl Brazier and have no intention of becoming your latest victim. I therefore request that you conduct all of your dealings with me in writing only and with due regard to my circumstances ........

 

Fred

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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lamb909

 

Please don't ever think that you are waffling when pouring your heart out like that. Im sure there will always be someone on here willing to listen to you when you need some one to talk to. Nothing the DCAs can do to you should ever make you feel so bad but I am well aware that it's easy to say that as dealing with them is another story. I'm having murderous thoughts right now about their despicable conduct.

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I don't even think this case was even mentioned in the national press - and it should have been. We really do need a journalist to take up all these stories. Any ideas anyone?

 

How about contacting Jeremy Vine at Radio 2? His show often has the topic of debt.......

Today is the tomorrow you worried about yesterday, and all is well!

 

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I wish this group had been around when I had all my problems in the mid 90s......I was doorstepped by a DCA and paid them because I was on my own and scared witless. If I knew what I know now I'd have done things very differently! Even thinking about it now makes me go cold, and it was all sorted out in 1998......I just wanted to share that to show that there is life after debt and although something else has come back to haunt us now, there is sooooooo much support and understanding here that nobody needs to feel they are alone.

Today is the tomorrow you worried about yesterday, and all is well!

 

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I'm having murderous thoughts right now about their despicable conduct.

I have never once resorted to violence in my whole life but if any dca had come calling at my home during my pre cag period, I honestly couldn't swear that I wouldn't have used the iron bar I had by the door. But when you feel you are backed into a corner, you will do whatever it takes. This is what I meant about changing your behaviour. No rational person would consider such a thing, but I did! Luckily no one ever knocked on my door or I would be in prison right now. I believe that CAG saved me from prison (or worse) and helped restore my rationality and my faith in people. There is a real spirit among the members of CAG. I am always overwhelmed at the amount of help and support people receive here. Now, whoever said 'the printer is mightier than the iron bar' was quite correct!

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Totally agree with you paulh. There's been times that I've been unable to sleep or eat (and that's a big thing for me as I love my food!) with worry about what a DCA might take from me in the past which makes my blood boil but to actually force some people over the edge so that they consider (and in the cases mentioned, actually do it) taking their own lives breaks my heart. There was a case in the papers recently where a man had been conned out of money by another and he had lost everything. He decided he had nothing to live for but before ending it all, he went to the house of the person who had taken his money and shot him dead on his doorstep. He was found dead later in some woods. A very tragic story all round but I'm surprised there are not more like it.

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Thats exactly it. They push people to the edge. If that person goes over the edge then anything can happen. I watched my wife go to pieces with worry over debt. She'd cry herself to sleep at night and, as a man, I began to feel totally inadequate, helpless and frustrated at the whole situation. What use am I if I can't protect my family??? If I wasn't married and had no kids I could well have given up. I had one foot over the edge. You don't know what you are capable of until you are forced into that situation. Sadly, some people just seem to 'give up'. :sad:

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Not my usual user-name but I thought I would add my son's experiences here.

His bank took some direct debits they shouldn't have done, then refunded them. Meanwhile they added charges that wouldn't have been applied if it wasn't for the direct debits.

These snowballed - as they do.

When he became unemployed & was on benfits, they were swallowed up completely by charges. Then the bank closed his account & the phone calls started. Of course he didn't have any money because they had taken it all.

After one of these calls he took a lot of paracetamols. We knew that he was getting depressed, fortunately my wife sensed that something was wrong & found out in time what he had done.

After nearly a week in hospital & some time with a shrink he was let out.

Very nearly another case.

Meanwhile my son is on a heavy dose of tabs & not really up to much.

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Martin Lewis is on Jeremy Vine Show, Radio2 tomorrow (Friday) midday dealing with this very subject, might be worth some of you e-mailing programme, giving your expeiences.

Don\'t let the B**tards grind you down

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I work on a busy admissions ward and see a lot of DSH (Deliberate Self Harm ) patients in our ward. A lot is because of Debt due to the usual marriage break-ups, loss of jobs. We are seeing a steady increase in the new type of patient, middle class well educated.

 

The debt collection industry stinks and is rotten to the core. Thank God for CAG.

[sIGPIC][/sIGPIC]Happyhippy1959

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I think there should be a campaign to get the law changed so that debts can't be sold onto to DCAs (there probably already is but I'm new to this). It should be only the original creditor that can chase for a debt - I for one would be more inclined to pay the people I owed money to than a DCA who send unprofessional and threatening letters and make ridiculous claims on the phone. I came upon this site by chance and I am so glad I did as it made me see the letters and phone calls for what they are and I no longer lose sleep over it - I really feel for people who are being harassed and feel there is no way out.

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Martin Lewis is on Jeremy Vine Show, Radio2 tomorrow (Friday) midday dealing with this very subject, might be worth some of you e-mailing programme, giving your expeiences.

 

How spooky.......I suggested just last night that maybe we should contact Jeremy Vine! (must be a CAGGER!!!!)

Today is the tomorrow you worried about yesterday, and all is well!

 

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If anyone does want to contact Jeremy Vine before/during the show tomorrow, here is the link:

http://www.bbc.co.uk/radio2/shows/jeremy-vine/contact/

 

He's on radio 2 from 12-2 and Martin Lewis is usually on in the second hour of the show.

Today is the tomorrow you worried about yesterday, and all is well!

 

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This is tragic and frightening especially as she says she is not able to uses the internet at home, they must seek advice as soon as posssible

locally, and before the worst comes to the worst get in contact with their local council homelessness officer for help.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Unfortunately she appears to have left for the day. I am just hoping she believes what I have told her and hangs on till Monday. She must be absolutely desperate to turn to someone and I'm just going to be praying she doesn't do anything silly this weekend. I'm really pretty confident that Ell-enn can help her, so it would be an absolute tragedy if she can't hold on for the next couple of days.

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