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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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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I asked Natwest to write off my debt of £2500 as there is no way on this earth we can pay it. Even on a payment plan with Triton Credit Services at a fiver a month it will take me over 40 years to pay off...

 

So they gave up contacting me...

 

So I now get a letter from Newman DCA, whom I'm about to start the whole process with again lol.

 

Round and round and round we go...

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The old theory on debts not being ''sold or assigned'' whilst

in dispute seems have lapsed it is happening on a regular

basis and the fact has been tested in court and there has

been no favourable results in my experience.

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Debt sold in massive portfolio, usually all on disc with minimal

detail, the purchaser attempts collection if they fail on to another

sale, again with little detail and so it goes on,

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So I now get a letter from Newman DCA, whom I'm about to start the whole process with again lol.

Round and round and round we go...

 

NW won't write off debt, what they will have done is to sell it in a portfolio of other 'defunct debts' that they are unable to collect, get a few pence in the pound for them and claim the rest of their insurance to recoup their supposed losses.

 

The 'new' owner will then claim you owe the full balance and they can offer you a discount if you pay X amount in full or monthly, this is because they have not paid for the full amount they claim you owe or that they have nothing in the way of enforceable paperwork and very little history of the debt.

 

Continuing the game of letter tennis will only prolong the cost of postage and stationary to you, as I doubt you send these letters by 2nd class post? IMO continuing this game of letter ping pong is pointless, someone somewhere needs to take the bull by the horns.

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 are entitled to ask for more money on a regular basis because peoples circumstances do change - obviously your individual circumstances may or may not change

 

it is poor form to get another DCA involved if you are already in a payment plan with one DCA and it is accepted you cannot pay any more - woudl check the debt collection guidance to see if there is anything in there about that.

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Again JB, they will not write off debt, that is a misnomer.

 

All you can do is to stick to the payment you arranged, and pay that amount, if it has been passed on to another DCA that you have no knowledge of or have not been informed of, then stop payments until the OC informs you IN WRITING, that they have farmed this out to a third party, and who it is, what you need then is another letter from said third party informing you that they have been instructed to chase the lemon.

 

STAY OFF THE PHONE.

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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I asked Natwest to write off my debt of £2500 as there is no way on this earth we can pay it. Even on a payment plan with Triton Credit Services at a fiver a month it will take me over 40 years to pay off...

 

So they gave up contacting me...

 

So I now get a letter from Newman DCA, whom I'm about to start the whole process with again lol.

 

Round and round and round we go...

 

Have you made a CCA request?

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they are entitled to ask for more money on a regular basis because peoples circumstances do change - obviously your individual circumstances may or may not change

 

it is poor form to get another DCA involved if you are already in a payment plan with one DCA and it is accepted you cannot pay any more - woudl check the debt collection guidance to see if there is anything in there about that.

 

I think using many DCAs is probably against the OFT guidelines. If JB is unable to pay one DCA any more, then he is unlikely to be able to pay more to new one. IMHO that has to be harassment.

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Only harassment if the same DCA keeps chasing

but as they pass the parcel in the hope that a debtor

will finally get so teed off with it that they pay up:madgrin:

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They can keep passing it about. The more they pass it about, the less chances of me actually paying up.

 

That's being very naive.... sorry. You may end up with a very tenacious lot on your case at some point and subsequent court papers because they see you as an easy CCJ (County Court Judgement). What kind of debt is this and have you made a CCA request?

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There is absolutely no reason

for them to write this off as said

they are more likely to raise a claim

for it and take £1 a month forever

and you end up with a CCJ.

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Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Its fora credit card. And no I haven't sent the ma CCA request yet. I've sent them letter "K" from the library asking for it to be written off first.

 

They won't write it off; that particular template is a waste of time. Without a CCA request being made, you are simply leaving yourself wide open to having court papers issued at some point. If you've made the decision not to pay, then at least go down the proper channels and protect yourself because the "ner-ner-nee-ner-ner" attitiude has no place in this industry; not the way you're doing it anyway.

 

:-)

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