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    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
    • The average high street easy-access account pays 1.7% interest - but savers could earn 5% if they moved their money elsewhere. We look at which banks have the top rates.View the full article
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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i have messed everything up!!!!!!!!!!! vicious dog attack


mrsgazzer
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On the 15th December 2011 i took my elderly staffie for a walk aas we were walking on a piece of grass at the side of the road there is a big house opposite with electric gates,as the gates opened this massive akita trotted across the busy road and grabbed my staffie and shook him like a ragdoll i was screaming art the owners who by the way was watching this attack to recall her dog after 10 minutes the dog trotted back and was greeted to the daughter who patted it

they didnt even have the decency to ask how my dog was they just closed the gates and went into the house.

When i arrived back at the house i reported this dog to the police as the house is next door to infant school the police came out and took a statement we then noticed Porridge(my staffie) was bleeding from his chest so rushed himm into the pdsa where they had to operate and repair his chest muscles and put two drains into his chest.

I sent the vet bill to the owners for them to pay for the vet bill its the least they can do they wrote me a letter back saying that the printout wasnt good enough they wanted a proper receiptt so they could claim back Vat on the bill

Now this is where i have messed things up

Cos i couldnt get another letter of the PDSA i have stupidly put it on another vets invoice and now have been found out cos the owner went to the vet to pay the bill and obviously found out they didnt have that invoice!

I feel totally ashamed i onlly did it for justice for porridge and why should the PDSA be out of pocket cos of this iresponsible dog owner

no monies have been accepted by myself i would not have kept the money it would have gone straight to the vets

I went to straight to the police tonight to tell them what i have done and someone is supposed to be getting back to me

 

I have absolutely ruined everything as we were due to be adopting this year but not now after this

im not looking for sympathy im just wondering what ill be charged with is it fraud?obtaining money by deception

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Do the PDSA charge, as I was under the impression they ask simply for donations?

 

Try not to worry - I'm sure your heart was in the right place. However, I doubt the other dog owner will want to leave it there (would you?).

 

''A deception will be deliberate when the defendant knows that what he represents as true is untrue. This is predominantly a subjective test, matching the general approach to establishing intentional behaviour. The test of recklessness is also predominantly subjective to show that the defendant is aware that what is represented may or may not be true, excluding the extended meaning of recklessness in R v Caldwell [1982] AC 341.''

 

However, you haven't actually 'obtained' any money - you 'attempted' to. It may be found that No Further Action in this instance will be taken. You may just receive a verbal or official reprimand.

 

Why don't you wait and see what happens, and then take it from there?

 

Phil

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thanks phil no they dont charge but they gave me a printout of the running costs for porridges treatment and i thought their dog did the damage why shou;d PDSA be out of pocket

I just wanted justice for him not to rip anyone off

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Essentially, the Charity has lost out. Instead of trying to recoup the treatment costs on behalf of the Charity, you tried to purloin those funds for your own benefit. At least, that's how some cops and maybe the beak would see it.

 

Maybe that could be your act of penitence - to reimburse the Charity out of your own funds?

Edited by edwincluck
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