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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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      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.  

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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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I have a payday loan with this company which i have defaulted on. I have cancelled by debit card so they cannot take payment. It is not a very large debt (originally £60 now over £100 with int and charges) but I cannot afford to pay it at the moment as my husband is currently out of work. I have received e-mails from them and I explained the situation. They then tried calling my mobile and then my workplace. This second phonecall was quite aggressive. the person said things like it was very poor on my part as a first time borrower etc. i asked him not to call my workplace and to remove the number from my file but he refused saying if they cannot get me on my home or mobile number they will carry on calling the office, even though i was adamant I cannot talk in working hours.

 

I offered to pay £20 a month but he said they only do weekly repayment plans so i would have to pay £20 a week! I said I could pay £5 a week but he seemed to ignore this.

 

I only want to deal with them by e-mail or post as I found his manner very unfriendly, how should I best go about this?

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Hi there newlywed

 

Is it possible for you to open a new bank account and move your priority direct debits over the new one? The reason I ask is that these people, although you have cancelled your card, may have your bank details and try and set up a direct debit without you knowing.

You also need to email them requesting an arrangement for a payment plan - what YOU can afford. Do not let these people bully you, they will try every trick in the book to frighten you into paying what you cannot afford so REFUSE to speak to them on the phone. There are templates in the CAG library regarding telephone harrassment. Sorry, don't know how to do a link (d'oh!) but if you go up to the top of the page you will see "library". Just click on that and have a look around. It also does a template for requesting a payment plan. If you have any problems just post here again and you will get plenty of advice. In the meantime, don't worry hun, this is a great site and lots of these guys are brilliant with advice and support. x

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report them to you local trading standards too

they should not be calling your works nimber...fullstop!

 

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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report them to you local trading standards too

they should not be calling your works nimber...fullstop!

 

dx

 

Totally agree with dx

Newlywed - you can report them via consumer direct website. Don't let them away with anything!

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Thank you so much for the advice, I willlook at the templates. I do have an alternative bank account so I will be sure to move everything across.

 

 

Also, close your old bank account hun, otherwise they will try and raid it! Good Luck x

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  • 2 weeks later...

Just catching up with this thread. 24/7 Money Box have a right to contact you about an account unpaid, but must do so in a way that is fair and doesn't constitute harassment. The Office of Fair Trading's debt collection guidance makes it clear in sections 2.6 (a) and (j) that if the creditor knows that it is going to be publicly embarrassing for you to speak about this in your place of work, it is then against their guidelines to continue to contact you there in order to try and make you do so.

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  • 1 month later...
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