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    • Speaking of the reformatory boys, here they are with all of their supporters, some of whom traveled with them from miles away, all carefully crammed together and photographed to look like there were more than about 80 .. rather like Farages last rally with even fewer people crammed around what looked like an ice cream van or mobile tea bar ... Although a number in the crowd apparently thought they were at a vintage car rally as they appeared to be chanting 'crank-her'. A vintage Bentley must be out of view.   Is this all there is? Its less than the Tory candidate. - shut up and smile while they get a camera angle that looks better
    • in order for us to help you we require the following information:- Which Court have you received the claim from ? Canterbury If possible please scan redact and upload a full page copy of page 1 of the claim form. ( Name of the Claimant ? Moneybarn No 1   How many defendant's  joint or self ? One Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 29/05/24 Acknowledged by 14/06/24  Defence by 29/06/24  Particulars of Claim PARTICULARS OF CLAIM   1.  By a Conditional Sale Agreement in writing made on 25th August 2022. Between the Claimant and Defendant, the Claimant let to the Defendant on Conditional Sale. A Ford Ranger 3.2 TDCi (200 P S) 4x4 Wildtrack  Double Cab Pickup 3200cc (Sep.2015) Registration No, ******* Chassis number ***************** (“The Vehicle”).  A copy of the agreement is attached   2.  The price of the goods was £15,995.00.  The Initial Rental was £8500.00.  The total charge for credit was £3575.;17 And the balance of £11,070.17 was payable by 59 equal consecutive monthly instalments of £187 63. payable on the 25th of each month.   3.  The following were expressed conditions of the set agreement,   Clause 8: Our Right to End this Agreement  8.1   Subject to sending you the notice as required by law, any of the following events will entitle us to end this Agreement: 8.1.2  You fail to pay the advance payment (if any) or any of the payments as specified on the front page of this agreement or any other sum payable under this Agreement. 8.1.3 If any of the information you have given us before entering into this Agreement or during the term of this Agreement was false 8.1.4 We consider, acting reasonably, that the goods may be in jeopardy or that our rights in the goods may otherwise be prejudiced. 8.1.5 If you die 8.1.6 If a bankruptcy petition is presented against you; if you petition for your own bankruptcy, or make a live arrangement with your creditors or call a meeting of them. 8. 1.7 If in Scotland, you become insolvent or sequestration or a receiver, judicial factor or trustee to be appointed over any of your estate, or effects or suffer an arrestment, charge attachment or other diligence to be issued or levied on any of your estate or effects or suffer any exercise, or threatened exercise of landlords hype hypothec 8.1.8 If you are a partnership, you are dissolved 8.1.9 If the goods are destroyed, lost, stolen and/or treated by the insurer as a total loss in response to an insurance claim. 8.1.10 If we reasonably believe any payment made to us in respect of this Agreement is a proceed of crime. 8.1.11 If steps are taken by us to terminate any other agreement which you have entered into with us.   Clause 9.  Effect of Us Terminating Agreement   9.1 If this Agreement terminates under clause 8 the following will apply 9.1.1 Subject to the rights given to you by law, you will no longer be entitled to possession of the goods and must return them to us to an address as we may reasonably specify, (removing or commencing the removal of any cherished plates) together with a V5 registration certificate, both sets of keys and a service record book. If you are unable or unwilling to return the goods to us then we shall collect the goods and we'll charge you in accordance with clause 10.3 9.1.2 We will be entitled to immediate payment from you for all payments and all other sums do under this agreement at the date of termination 9.1.3 We will sell the goods or public sale at the earliest opportunity once the goods are in a reasonable condition which includes a return of the items listed in clause 7.1.4 9.1.4 We will be entitled to immediate payment from you of the rest of the Total Amount Payable under this agreement less: ( a) A rebate for early settlement ias required by law which will be calculated and notified to you at the time of payment (b) The proceeds of sale of the goods (if any) after deduction of all costs associated with finding you and/or the goods, recovery, refurbishment and repair. Insurance, storage, sale, agents fees, cherished plate removal, replacement keys, costs associated with obtaining service history for the goods and in relation to obtaining a duplicate V5 registration certificate   4, The following are particulars required by Civil Procedure Rules. Rule 7.9 as set out in 7.1 and 7.2 of the associated Practice Direction entitled Hire Purchase Claims:-   a)     The agreement is dated 25 August 2022. And is between Moneybarn No1 Limited  and xxxxxxxxx under agreement number 756050. b)    The claimant was one of the original parties to the agreement. c)    The agreement is regulated under the Consumer Credit Act 1974. d)    The goods claimed Ford Ranger 3.2 TDCi ( 200 PS) 4x4 Wildtrack Double Cab Pickup 3200 cc (Sep2015} Registration No ^^^^^^^ Chassis number ***************** e)     Thw total price of the goods £19570 f)     The paid up sum £1206 5 g)    The unpaid balance of the total price £7505 (to include charges) h)    A default notice was sent to the defendant on 20th February 2024 by Firrst class post i)      The date when the right to demand delivery of the goods accrued 14 March 2024 j)      The amount if any claimed as an alternative to delivery of the goods 7505 22 include charges ]= 5.  A the date of service of the notice the instalments were £562.89 in arrears. 6. By reason of the Termination of the Agreement by the notice, defendant became liable to pay the sum of £7502 7. The date of maturity the agreement is 24th August 2027. 8. Further or  alternative by reasons of  the Defendant breaches of the agreement by failing to pay the said instalments, the Defendant evinced an intention no longer to be bound by the Agreement and repudiated it by the said Notice the claimant accepted that repudiation 9. By reason of such repudiation the claimant has suffered loss and damage.   Total amount payable £19570 Less sum paid or in arrears by the date of repudiation £12064 97 Balance £7505 (to include charges.) ( The claimant will give credit if necessary for the value of the vehicle if recovered.)  The claimant therefore claims 1.    An order for delivery up of the vehicle 2.    The MoneyClaim to be adjourned generally with liberty to restore,  Upon restoration of the MoneyClaim following return or loss of the vehicle. the Claimant will ensure the pre action protocol for debt claims is followed. 3.    Pursuant to s 90 (1)  of the Consumer Credit Act 1974. An order that the Claimant and/or its agents may enter any premises in which the vehicle is situated in order to recover the vehicle should it not be returned by the Defendant 4.    further or alternatively damages 5.    costs.   Statement of truth The Claimant believes that the facts stated in these Particulars of Claim are true. The Claimant understands that the proceedings for contempt of court may be brought against anyone who makes or causes to be made a false statement in the document for verified by statement of truth without an honest belief in its truth. I am duly Authorised by the Claimant to sign these Particulars of Claim signed Dated 17th of April 2024   What is the total value of the claim? 7502   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Never heard of this   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? n/a Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No   When did you enter into the original agreement before or after April 2007 ? After  Do you recall how you entered into the agreement...On line /In branch/By post ? In a garage  Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes  Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Original Were you aware the account had been assigned – did you receive a Notice of Assignment? n/a   Did you receive a Default Notice from the original creditor? They said sent but nor received   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? None seen   Why did you cease payments? Still Paying,   What was the date of your last payment? Yesterday  31st May 2024   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes on 12 Feb 2024   What you need to do now.   Can't scan, will do via another means as you cant have jpg
    • Now that is an interesting article which adds afew perspective that I hadn't thought significant - but on reflection of the perspectives offered ... Now Starmer is no Blair, however 'blairite he may be perceived, but the Tories aren't tories and aren't even remotely liberal   The fast 'unannounced and unexpected election call from sunack may well be explained by the opinion linked that he hoped reform would be unprepared and effectively call a chunk of Farages largely empty bluster - making him look even more of a prat, leave scope for attacks on shabby reform candidates and mimimise core vote losses to reform - while throwing the 'middle ground' (relative) tories TO THE DOGS - and with the added bonus of likely pacifying his missu' desire to jogg off to sunny cal tout suite somewhat   thumb in the air - I expect about 140ish tory seats, but can hope for under a hundred Reform - got to admit the outside possibility of 1, maybe 2 seats with about 8% of the vote - but unlikely. I think projections of over 10% of the vote for reform is nudged and paid for speculation - but possible with the expected massive drives from Russian, Chinese and far right social media bot and troll prods targeting the gullible.
    • Commentary June 2024 WWW.ELECTORALCALCULUS.CO.UK Interesting article about just how bad it could be for the Tories.  Also Tories could be hoping on Reform not having candidates in many seats, as they were not ready.  
    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
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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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Recording an Interview Under Caution


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Why bother? you are legally entitled to obtain a copy of the IUC yourself after the interview anyway. You will be given a form at the end of the interview telling you how you can obtain a copy of either the tapes or CDs. It is unlikely you will get a copy there and then, but it should only take a few days.

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Hey bio great suggestion! That never crossed mind, yes sure great idea, just trust that you will ever get a copy of an unadulterated tape or better still let them just intimidate you on their tape which stays in their system! So, why bother thinking for yourself and taking your own recording device to protect yourself and ensure a fair playing field? Which, I now understand is your legal right to do if you are ever invited for a cosy chat in an IUC? But yes, of course you are correct why bother?...............

Edited by areweatfault
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I was trying to help............

 

Anyway, as I said, you are legally entitled to a copy of the recording, on whatever media it was made at the time. Quite how you think anyone can alter a recording after it has been made (remember we are talking council/DWP offices here, not super duper recording studios!) is beyond me! Anyway, there will be two copies of the recording made at the time of the IUC. One of these copies will be sealed in your prescence, with your signature on the seal. This copy of the recording can only normally be opened after a request has been made to magistrates, so if you do think you have received an adulterated copy, you can check it against the original.

 

Do you read lots of conspiracy stories?

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Hey bio, of course I do! It seems you may write a lot of conspiracy stories! A good example being the one that you posted in response to my original question :-) I asked about the legality of making your own recording and did not ask for 'help' about how to get a copy of their tape.... But hey thanks for trying to 'help'.......... The internet is littered with heartbreaking stories of people being in IUC's who are never given forms, never asked to sign tapes and never asked to sign the written statements that are taken during these interrogations! Oops, I mean interviews. A conspiracy theory nearly slipped out of me there.

Edited by areweatfault
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Ok guys lets keep things civil.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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If you wish to record your interview then you have to inform the department in advance, you will then be issued with a letter before the recorede interview takes place and there is a paragraph that states that you can record for your own domestic use but that the recording should not be placed on the internet.

Members of staff can also refuse to be recorded and an alternative person should be located who does not object to being recorded.

Any recorded interviews must also be held in a private interview room.

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Flumps1976 thanks for a great answer. I assume that if you accept the 'terms or contract' of the above that state 'for domestic use' then that implies that you cannot use the recording in any other aspect outside of the house or family home. Which is a way to ensure that you can't produce it in a court of law....Clever that.

Edited by areweatfault
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Well, I suppose it works both ways, really. I mean, you could doctor the recording yourself. I'm not saying you, personally, would do such a thing but it isn't impossible that someone might. Police and DWP recordings need to be made, sealed and stored in particular ways and any access to them needs to be logged.

 

What you could do, though, is make your own recording and get a copy of the official one as well. If they differ in any way, seek advice from a lawyer.

 

Here is the guidance to officers at the HSE when conducting IUCs, with rules about making audio recordings starting at section 44. I imagine DWP rules are similar. To be honest, I'm reasonably sure that the DWP are not going to tamper with the recording because whatever else they may be, they're not blithering idiots. A member of staff caught tampering with evidence is likely to find themselves sitting on the wrong side of the IUC table in short order.

 

Edit to add link.

Edited by antone

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The idea that all politicians lie is music to the ears of the most egregious liars.

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I was told that you can have a copy of the tape when the outcome of the interview is has been determined by the 'decision makers' and that can take several months depending upon the compexity of the information/allegations. It did cross my mind to make my own recording but I didn't do it in the end and now wish I had; if you can get them to agree I don't think it could hurt for them to know you have your own copy.

Edited by Springboard
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Springboard, that is so true! My point exactly why you should make your own recording, and under no circumstances trust what they tell you about tapes. They will tell you things like 'You can have a copy when the interview ends' yet, the only time they are legally allowed to give you a copy is if they PROSECUTE you which could take them months or even years to do! So you see, they are full of deception and should never be trusted. In fact, they are encouraged to make every effort not to give you a copy in case they want to interview you again and you may remember what you said in a previous interview and use it to defend yourself! Brilliant tacit.... Oh dear, now I am going to be accused of writing conspiracy stories not just reading them here :-)

Edited by areweatfault
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It's obviously sound advice that one should not trust a person who is being paid to gather evidence against you. And as it appears you have the right to make a recording, it seems like a good idea to avail yourself of that right.

 

It's quite another to imply, in a forum based on facts and evidence, that evidentiary recordings are routinely tampered with, despite the fact that such tampering is, in and of itself, a serious crime. I never met a fraud investigator at the DWP who cared enough about a case to risk going to jail.

 

If you believe you should be able to introduce your own recording as evidence in court, how would you demonstrate to said court that you haven't altered it in any way?

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The idea that all politicians lie is music to the ears of the most egregious liars.

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atone, how do you know that everything in this forum is based on fact and sound evidence? Is it just because you say it is? Oh by the way, thanks for the link you gave I read that information a few weeks ago but thanks anyway.

Edited by areweatfault
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No problem (re the link).

 

What I meant was that on this forum the idea is that we should attempt to base our responses on facts and provide supporting evidence where possible, not that absolutely everything is 100% correct or that no personal opinions are offered.

 

For example, I cannot state it as fact that there's no way DWP investigators could alter recorded evidence - because clearly it's technically possible. It could happen. All I can state is that doing so is perverting the course of justice, a serious crime. I can further state that there is no evidence that it happens, and give the reasons why chain of evidence protection is important.

 

And finally, I can ask how you would propose to provide chain of evidence protection such that your own recording should be admissible in court.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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I wouldn't bother wasting your time Antone.

 

This thread is based on scaremongering nonsense & despite being able to answer some of the questions I've decided not to mainly because of areweatfaults attitude & the fact that it's obvious they wouldn't believe me anyway.

 

They best advice I can give is to try to remember to take your tin foil hat off before the IUC starts!

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  • 3 weeks later...

Hi Antone - Regarding your comment concerning 'preserving the chain of evidence' ie the tape recording at IUC. A solution could be that tapes are exchanged, sealed and signed at the same time?

 

I do agree with arewatfault concerning access to the tape as I believe a copy should be instantly available or at the least accessible without delay by whatever method is deemed to be secure. I have a question concerning the visual recording during the interview process. How is this accessed?:?:

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There is NO visual recording of a LA/DWP IUC. You will be invited to sign the tape/CD seal at the end of your IUC, and can request a copy of the recording, although it is unlikely that you will be given this straight away. The reason for this is that whilst two copies of the IUC are made at the same time, one is sealed as the 'master copy', and one will remain as the 'working copy' and it is from this that further copies will be made.

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I was told I could have a copy, & was shown the form, yet I wasn't given the form at the end & I forgot to ask for it :o(

Not that it ended up mattering, no further action taken. But what do they even do with those tapes in the end? Shouldn't people be given both copies anyway if there is no further action? And yes I know, they could quite well make more copies, but I can't see why they would want to...

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Thanks Bio for your reply,

There certainly are CCTV's in some if not all interview rooms - installed for 'security ' purposes.

If a decision to prosecute goes ahead the tape recording is typed up and submitted as evidence - it is not easy to obtain a copy of the tape itself or the transcription until you are in court - sadly delaying tactics are very common.

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Hi Antone - Regarding your comment concerning 'preserving the chain of evidence' ie the tape recording at IUC. A solution could be that tapes are exchanged, sealed and signed at the same time?

 

That could certainly be done. But once the claimant broke the seal of their copy, it's no longer possible to ensure it's a correct record. Perhaps if we gave the claimant two copies - one sealed and one not sealed. That's generally how it works within the DWP or other investigating agency: they have a sealed "master copy" and another they use as their "working copy". If anyone disputes the recording, the master copy can be unsealed in a court or wherever and used to verify the accuracy of any other copy.

 

Of course, that leaves an issue. If we can't trust that the DWP hasn't tampered with the sealed master copy, how can we be sure that a claimant hasn't tampered with their sealed master copy? If the two sealed master copies disagree, which do we trust?

 

I don't know - I'm not and never was a fraud investigator or lawyer.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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  • 4 weeks later...

AFAIK the reason for using late 80's to early 90's technology with Analogue cassettes is the twin deck recorder makes a recording on magnetic tape via it's recording heads and that's that as it were http://en.wikipedia.org/wiki/Compact_Cassette . If a digital medium was used for recording IUC's , there would be ways and means of tampering by either party .

 

The problem with the person being interviewed making a private recording by whatever means is admissibility . I think there was one case of a teacher being sacked by a school board of governors , she made a recording outside the room they were in discussing her case . Apparently there was contentious points and issues and she took the school to a Employment Tribunal , however her private recording was deemed to be inadmissible by the Tribunal .

 

I was told of one case in the 90's when a railway manager employed by another sector , took it on himself to film a guard inside the engine's cab with the driver when he ( The Manager ) was on annual leave . The railway wanted him sacked , the Union representing the Guard got it thrown out as the video recording was deemed to be inadmissible . What I'm driving at is things can work both ways .

 

As for that guard they caught him again and they sacked him ...some people never learn

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By the way, digital recordings can be used now, but a sealed master copy is still produced in the interview. I honestly don't know what the original posters problem is.....if you are that bothered, just don't attend the interview. I'm an investigator, and ALWAYS comply with PACE codes of practice because if I don't I've wasted my time.

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