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    • Heres a point, while we wait for @theoldrouge to condemn rather than promote and support right wing bigots spouting genuine and clear monstrous antisemitic rhetoric ... Isn't it actually specifically unlawful to promote violence against politicians on top of laws to criminalise such things? ... As is reported happening in these closed facebook groups run by Tory staff and where a Tory police minister and the Tory London major candidate are members and post?   .. or do the Tories (seemingly like tor) only promote laws for protecting the hate spouting hard right ?   "“Some of these (Tory facebook groups) posts constitute the most appalling racism and I would urge the Conservative Party to swiftly distance itself from these hate-filled groups and urgently investigate what role any Conservative politicians and officials have played within them. “Susan Hall and the Tory MPs who have belonged to these groups need to come out and explain why – and to denounce the content they have tacitly endorsed by their membership.” "Reporters found widespread racism and Islamophobia as well as conspiracy theories and celebrations of criminal damage on the pages, including sharing the white supremacist slogan and antisemitic videos. " "Unearthed found that 46 out of the 82 admins have clear links to the Tory Party, including a recent digital campaign manager for the party and a conservative activist. Conservative councillor for Haywards Heath, Rachel Cromie, is an admin on all the groups. "     Also interesting that Facebook groups opposing 20mph speed limit in Wales are being run by English Tories   Conservative-run anti-Ulez Facebook groups hosted racist and Islamophobic posts - Unearthed UNEARTHED.GREENPEACE.ORG Tory staff running Facebook groups described as 'cesspits of vile racism' WWW.THENATIONAL.SCOT TORY staff and activists are running Facebook pages which are riddled with white supremacist slogans and Islamophobic attacks... Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts   Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts - London Post LONDON-POST.CO.UK A coordinated network of 36 Facebook groups opposing London’s ultra-low emission zone (ULEZ), run by Conservative councillors and...  
    • Morning dx and thank you for your message.   With regards to your comment about them not needing to produce the deed, the additional directions ordered by the judge included 'a copy of any assignment o the debt or agreement relied upon'  so that is why I thought that point was relevant?
    • Sorry for the long post but I don't want to miss out any relevant information: My wife bought a car from Trade Centre UK and have been having nothing but trouble with it. Unfortunately we paid of the finance used to buy the car as we weren't expecting this much trouble with the car as we we though we would have protection as buying from a dealer. We are wondering if we can still reject the vehicle since the finance plan has been paid off. Timeline is as follows: 13/12/2023 -15/12/2023 Bought car from Trade Centre UK for £10548 £2000 deposit paid on credit card on 13/12/2023 £8548 on finance from Moneybarn (arranged through Trade Centre UK). picked up car on 15/12/2023 Also bought lifetime warranty for £50/month 25/12/2023 Engine Management Light comes on. The AA called out and diagnosed the following error codes: P0133 - Lambda sensor (bank 1, sensor 1) Oxygen Sensor. Error Message : Slow reaction. Error sporadic P0135 - Lambda sensor heat. circ.(bank1,sensor1) Oxygen Sensor. Error Message : Component defective Due to it being Christmas took a few days to get through to them but they booked me in for 28/12/2023 to run their own diagnostics. 28/12/2023 Took car in to Trade Centre so could check the car – They agreed it was the Oxygen Sensor and Booked me in for repair on 30/01/2024. I was told they had no earlier slots, and I would be fine to carry on driving car when I said I was afraid of problem worse. During diagnosing the problem, they reset the Engine Management Light. During drive home light comes back on. 29/12/2023 - 29/01/2024 I carry on driving the car but closer to the date, engine goes to reduced power every now and again – not being a mechanic I presumed that this was due to above fault. 20/01/2024 Not expecting any more problems paid off the finance on the car using personal loan from bank with lower interest rate. 30/01/2024 Trade Centre replace to O2 sensor (They also take it on a roughly 60mile road trip which seems a bit excessive to me – I can’t prove this as something prompted me take a picture of milage when I handed car in but I forgot take one on collection – only remembered next day.) 06/02/2024 Engine goes in reduced power mode again and engine management light comes on – Thinking the Trade centre’s 28 day warranty period was over I booked the car the into local garage for the next day to get problem fixed under the lifetime warranty package. Fault seems to clear after engine was switched off. 07/02/2024 In the Morning, I take it to local garage who say as the light gone off – the warranty company is unlikely to cover the cost of the repair or diagnostics and recommend I contact them when the light comes back on. In the evening the light comes back on and luckily I manage to get it back to the garage just before it shuts for the day. 08/02/2024 The Garage sends me a diagnostics video showing a lot error codes been picked up by their diagnostics machine including codes for Oxygen sensor and Nox Sensors, Accelerator pedal and several more. Video also shows EGR Hose not connected to the intake manifold properly, they believed this was confusing the onboard system as it is unlikely this many sensors would trigger at same the time but they couldn’t be certain until they repaired the hose. 13/02/2024 Finally get the car back as it took a while to get approval and payment for the repairs from the Warranty company. Garage told me to keep an eye the car as errors had cleared with the hose but couldn’t 100% certain that’s what caused the problem. 06/03/2024 Engine management light comes on again. Fed up I go into Trade Centre as I was just around the corner when it happened and asked them how to reject the car or have the problem fixed. They insist that as it’s over 28 days I need to get the car fixed under the warranty package I purchased and they could no longer fix the car as it was over 28 days. When I tried telling them it appeared to be the same or related problem they said they couldn’t help as I hadn’t contacted them earlier. I asked them if they were willing to connect the car to the diagnostics machine and tell me what the problem was, as a goodwill gesture, which he agreed to do and took the car to the back He came back around 30 minutes later and said they took a look at the sensor they replaced previously and there was nothing wrong with it and engine management light went off when they removed the sensor to check it. When I asked what the error code he couldn’t give me an exact fault but the said it one of the problems I told him earlier (Accelerator pedal). I have this visit audio recorded on my phone – I informed the reps I was recording several times. As the light wasn’t on, local garage couldn’t book me for a repair under warranty. 07/03/2024 Light came on so managed to book back into local garage for the 12/03/2024 Whilst waiting to take car into garage, I borrowed a OBD sensor and scanned for errors on the car. This showed the following errors: P11BE – Manufacturer specific code (Google showed this to be NOX sensor) P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow 12/03/2024 Took car to local garage and the confirmed the above errors. This leads me to believe that either Trade Centre UK reps lied and just reset the light or just didn’t check properly (Obviously I am unable to prove this) 22/03/2024 Finally got the car back as according to garage, the warranty company took a long to time to pay for the repairs 28/04/2024 Engine management Light has come back on. Using the borrowed OBD scanner I am getting the following codes: P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow P2138 - Accelerator Position Sensors (G79) / (G185): Implausible Correlation I have not yet booked into a garage as I wanted to see what my rights are in terms of rejecting the car as to me the faults seem related. I can’t keep using taxi or train to get to work every time the car goes into the garage as it is getting very expensive. Am I right in thinking that they have used up their chance to repair when they conducted the repair end of January or when they refused to repair it in February ? If I am still able to reject the vehicle could you point to any sample letters or emails I can use. Thankyou for your advice on my next steps.
    • Ok noted about the screenshot uploads. In terms of screwing up I had one previous ticket that defaulted and ended up in a CCJ from Southend airport because for some reason during COVID I didn't receive their claim form just a notice of default. This hospital ticket was the 2nd ticket that went to CCJ due to a lack of knowledge of the process. Maybe it's easier just to pay them in future I'm thinking though, I don't get them very often anyway
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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.  

      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.

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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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major debts please help,westcot,equidebt,bla ir oliver & scott


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Hi, i have 4 debts , 2 originally with Halifax and 2 originally with MBNA. i have Wescot, Equidebt and Blair Oliver and Scott chasing me for payments. The CAB sent them my income and expenditure on my behalf. Since then my partner passed away and i am off work with depression so claiming benefits.My phone is constantly ringing from these agencies . The debts in total are around £30.000 and i can see no easy way out of my situation as i am struggling to survive as it is. I am living in my partners house( it is in his name but he left it to me in his will, probate just been granted today) can anyone tell me what i should do?:|

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Hi, i have 4 debts , 2 originally with Halifax and 2 originally with MBNA. i have Wescot, Equidebt and Blair Oliver and Scott chasing me for payments. The CAB sent them my income and expenditure on my behalf. Since then my partner passed away and i am off work with depression so claiming benefits.My phone is constantly ringing from these agencies . The debts in total are around £30.000 and i can see no easy way out of my situation as i am struggling to survive as it is. I am living in my partners house( it is in his name but he left it to me in his will, probate just been granted today) can anyone tell me what i should do?:|

 

Firstly, I am so sorry to hear of your partner passing away. It must be an incredibly stressful time for you as it is, without the problems you describe above.

 

There is a letter in the templates section that deals with telephone harrassment. Send this to all companies that are bothering you by rec. delivery. In the meantime... hang up immediately, refuse to give security details or, leave the phone on the side until they get bored.

 

Please can you outline what each debt is for.

How old each account is.

If you have any CCJs (County Court Judgement).

The approx. amount still outstanding on each.

Which company each one originated with and which compnay is now chasing you for payment.

 

:-)

Edited by PriorityOne
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Thanks for replying, my debts are as follows

mbna....£6.800.00....2005......wescot

mbna... £7565.61......2005.....equidebt

halifax...£783.17.......2005.....blair oliver and scott

halifax...£14.788.74...2005.....blair oliver and scott

 

I have no ccj's and havent checked my credit file

 

i also received a letter today from DVSL requesting i confirm my address

 

can anyone tell me how long probate takes?

thanks

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Thanks for replying, my debts are as follows

mbna....£6.800.00....2005......wescot

mbna... £7565.61......2005.....equidebt

halifax...£783.17.......2005.....blair oliver and scott

halifax...£14.788.74...2005.....blair oliver and scott

 

I have no ccj's and havent checked my credit file

 

i also received a letter today from DVSL requesting i confirm my address

 

can anyone tell me how long probate takes?

thanks

 

Ok.... prior to CAB contacting them on your behalf.... when was the last time you made a payment against these debts or, sent a written acknowledgement of them?

 

Ignore DVSL.... whoever they are, it's a phisiing trip.

 

Probate can take a while but please don't be in a rush to pay these leeches until we've established whether they're legally entitled to have it.

 

:-)

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Hi, the last payments i made were March 2011, My partner died on 23rd feb and i became ill in march. CAB contacted them in march also

 

As your suffering with mental health issue's with regards to your partners death, you can send them all a letter ref the lending code was changed in feb 2011 with regards to how people are treated with mental health issues. Fire that at them and they back down very very quickly.

 

Matt

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Hi, the last payments i made were March 2011, My partner died on 23rd feb and i became ill in march. CAB contacted them in march also

 

What I'm trying to establish is whether a period of 6 years went by without you making a payment..... or were these accounts opened with the original creditors in 2005? Before you were contacted by DCAs, were you making payments to the original creditors and if so, when were the last payments made? What were the circumstances aurrounding these accounts getting passed to DCAs?

 

Aplogies for all the questions but it helps to decide the way forward :-)

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the accounts were opened in 2005 with the original creditors. i was paying the original payments until about 2009 when i became ill with kidney problems and couldnt pay, that was when the DCA's got involved.

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the accounts were opened in 2005 with the original creditors. i was paying the original payments until about 2009 when i became ill with kidney problems and couldnt pay, that was when the DCA's got involved.

 

Ok.... thanks.

 

Finally, what kind of debts are these; loans, credit cards, overdrafts, mobile phone debts? I'm assuming the larger one is a loan.

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The reason for all the questions is because most kinds of credit involve the signing of a Consumer Credit Agreement (CCA, 1974). As all of yours would fall under CCA 1974... if they are credit cards and/or loans, then whoever is chasing you for payment needs to have the original in their possession before they can legally pursue you through the courts for payment, or legally collect any payment from you at all.

 

As all of the above accounts are now with DCAs, you owe it to yourself to check.... but before doing anything, the telelphone harrassment letter needs to go off first; by rec. delivery, to all of them. You then need to send a CCA request to each DCA; again by rec. delivery. There is also a template for this in the template section. If you are not sure of what a CCA request is and/or the benefits of requesting one, then please say.

 

You have so much going on right now.... and we are here to try and hold your hand through it.

 

:-)

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Hi,

I'm only posting firstly to say I'm sorry to hear about your partner. What a terrible, distressing time for you without this going on. Secondly just to echo the excellent advice already given by P1. You are in good hands here.

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hi again,The large halifax was a loan,the small one a credit card. the mbna £6800 was a loan , the other mbna was a credit card but changed to a loan.

thanks for all your kind messages, its not easy without him as he would have sorted it out for me.Now I am on my own paying all the bills.all i have is my benefit of £69.00 weekly

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hi again,The large halifax was a loan,the small one a credit card. the mbna £6800 was a loan , the other mbna was a credit card but changed to a loan.

thanks for all your kind messages, its not easy without him as he would have sorted it out for me.Now I am on my own paying all the bills.all i have is my benefit of £69.00 weekly

 

Ok....

 

First of all, send the telephone harrassment letter by rec. delivery to anyone currently chasing you for payment over the 'phone.

Secondly, send each DCA a request (seperately) for the original copy of your Consumer Credit Agreement that relates to each of these accounts.

 

Everything by rec. delivery.

 

Both templates are in the template library. Each CCA request will cost £1, so send a postal order for each one (not a cheque). Also, do not sign with your normal signature; block capitals will do or a childish, readable "signature" instead will do. This protects you from the possibility of your real signature being lifted onto a fantasy document. It's not unheard of....

 

Once each CCA request has been sent.... sit back and wait. Have nothing more to do with anyone on the phone as advised earlier and see what gets sent back to you in response. When you receive something back, post up on here what it is and we'll take it from there.

 

As you're on Benefits, you would be within your rights to offer £1 a week against all of these; assuming they have the proper docs. :-)

 

Dealing with finances at a time like this is deeply distressing. I can still remember my Mum learning to cope after my Dad passed away suddenly; many years ago now and it wasn't easy. Lots of love to you hun..... :hug:

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thanks for your help priorityone. I have blocked all their telephone numbers and never answer unless i know the number. i will get on with the CCA'S straight away and will keep you posted on the progress. much love xxx

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  • 3 weeks later...

Some kind of signature is a good idea, IMO but don't worry about it now. They'll soon let you know if it matters to them.... it's far more important that everything goes by rec. delivery, to be honest.

 

Just wait and see what comes back.

 

:-)

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UPDATE.....

CAPQUEST who have bought one of my debts from HALIFAX, have replied that they have put my account on hold for 28 days while they obtain the information needed.

WESCOT have replied that they are not the creditor but instructed by HALIFAX and that I have to send another postal order to HALIFAX, They have put the account on hold for 28 days..

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UPDATE.....

CAPQUEST who have bought one of my debts from HALIFAX, have replied that they have put my account on hold for 28 days while they obtain the information needed.

WESCOT have replied that they are not the creditor but instructed by HALIFAX and that I have to send another postal order to HALIFAX, They have put the account on hold for 28 days..

 

Re. Capquest..... good.

Re. Westcot.... no you don't. They have an obligation to pass your request to Halifax themselves.

 

In both cases, just sit and wait now.

 

:-)

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  • 3 weeks later...

UPDATE***

HALIFAX replied that they cannot find an agreement with the details I sent, but my letter was sent to BLAIR OLIVER AND SCOTT, with their reference not the HALIFAX reference. They want me to resend with details of my name, addresses and DOB

 

 

Same thing with CAPQUEST but its the halifax again who replied

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UPDATE***

HALIFAX replied that they cannot find an agreement with the details I sent, but my letter was sent to BLAIR OLIVER AND SCOTT, with their reference not the HALIFAX reference. They want me to resend with details of my name, addresses and DOB

 

Same thing with CAPQUEST but its the halifax again who replied

 

Blair, Oliver & Scott are in-house debt collectors for Halifax. They've managed to use your name and address to make contact with you, so that's a ridiculous request from them. Capquest must be acting for Halifax as well then. Once again, a ridiculous request.

 

Suggested letter re. both accounts is below:

 

Dear Sir/Madam,

 

Your ref: xxxxxx

 

I refer to your recent letter in response to my request for information under the Consumer Credit Act 1974, dated xx/xx/xx. As you (and your agents) have been in regular contact with me by name and at my existing address for some time however, I find your request for confirmation of who I am and where I live quite ridiculous.

 

Please note that my request for information still stands. Should you not be able to locate such documentation however, then please confirm as much under The Consumer Protection from Unfair Trading Regulations (CPUTR) 2008 by return.

 

Yours faithfully,

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