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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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      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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Can people really be expected to live on nothing?


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See my post #22 above - they're not removing the right to appeal. They are, however, making the process more complicated.

 

Now there's an understatement. The whole thing is just beyond disgusting.

 

What a bunch a heartless arse's we have running this poor bloody country.

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if it wasnt so serious ..it would almost be laughable...I am wondering if every morning baldrick strolls into no.10 and announces to DC...'i have a cunning plan......'

 

Part of my job was inputting ESA appeal decisions into the JSAPS payment computer system. The tribunal sends a notification of the result to the DWP office. Normally these were quite mundane, along the lines of "Appellant satisfies the conditions of ESA regulation XX and the decision of the Secretary of State is set aside".

 

Every so often, though, I'd see one that read something like "We are astonished that this has landed on our desk. Appellant is so obviously entitled to ESA that it's hard to believe any halfway competent medical examiner would suggest he is fit for work."

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

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It's not definite yet, it's proposed (AFAIK). At the moment you get basic rate, yes, while awaiting your reconsideration and appeal but you'll be expected to sign on every fortnight from next April if this goes through. Since hardly anyone knows about it, there's every chance it will. Difficult to see how the sick and disabled will be able to claim JSA at all let alone repeatedly.

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It's not definite yet, it's proposed (AFAIK). At the moment you get basic rate, yes, while awaiting your reconsideration and appeal but you'll be expected to sign on every fortnight from next April if this goes through. Since hardly anyone knows about it, there's every chance it will. Difficult to see how the sick and disabled will be able to claim JSA at all let alone repeatedly.
I suppose every cloud has a silver lining if it does force hundreds of thousands off ESA to claim JSA think how high the unemployment figures will look?
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any halfway competent medical examiner would suggest he is fit for work."

 

not ATOS by any chance

 

who pays the piper (DC)

of course the 'miracle cure' company...one wave of the magic pen...and the sick and disabled are automatically cured

 

who needs loudres...when you have rATOS

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I suppose every cloud has a silver lining if it does force hundreds of thousands off ESA to claim JSA think how high the unemployment figures will look?

 

There's a certain irony here. During the Thatcher years unemployment was the big concern, and the government realised that people on IB didn't count in the unemployment figures. So anyone who turned up to sign on with a bit of a sniffle and a runny nose was told to claim IB instead. We've come full circle.

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

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It's not definite yet, it's proposed (AFAIK). At the moment you get basic rate, yes, while awaiting your reconsideration and appeal but you'll be expected to sign on every fortnight from next April if this goes through. Since hardly anyone knows about it, there's every chance it will. Difficult to see how the sick and disabled will be able to claim JSA at all let alone repeatedly.

 

At present, you don't actually get paid until the recon is completed. It's just that the recon is the first stage of the appeal process, and the claimant need only submit one GL24. The delay in payment most claimants experience when appealing is mainly due to the time it takes to do the recon.

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

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It's my understanding you get paid at the basic rate while you're waiting for the results of your recon.

 

Well, it may be different now, but when I worked there we could only put a claim back into payment once we had received it back from the DMs. Of course, procedures do change and it's been 2 years since my ESA processing days.

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

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And this utterly terrifies me. So few people know abut whats going to happen (as per with this government) and so by the time it effects them it will be far too late.

 

What with this and this foul and imo completely biased 'sanctioning' policy, people will be forced into even greater despair and poverty.

 

How low can we as a country go before some people start to rebel against all this terrible injustice?

 

When will the british public ever learn Tories are no different today than they always have been! All for the rich and the working class are **** and should be driven into the gutter and that is their main aim to take us back to those dark days. The young people of britain have never experienced a Tory goverment but they will now and they are going to get a shock!. And as for some of the other older generations who voted tory again you all must have short memories, how can we forget the massive amount of damage tories did under Thatcher control!! Sending in her hench men starting with the Yank Ian McGregor to dismantle the steel industry then moving in for the main prize the Miners to crush the unions and make an example of them and god knows what amount of damage to the manufacturing industry. All I can see is this is just the begining of the end for the working class unless we all stand together and get this shower out come next election !! Will it happen?the standing together I mean! I very much doubt it because we in britain need to recognise that we live in a selfish society all for ourselves as long as its not affecting me attitude who cares!!. Well it is all our problems, well all except the filthy rich and their cronies. Wonder what Guy Fawkes would think if he were around today!!. The revolution is long overdue but one day it will arrive!!.

Edited by mark1trucker
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It's not definite yet, it's proposed (AFAIK). At the moment you get basic rate, yes, while awaiting your reconsideration and appeal but you'll be expected to sign on every fortnight from next April if this goes through. Since hardly anyone knows about it, there's every chance it will. Difficult to see how the sick and disabled will be able to claim JSA at all let alone repeatedly.

 

I am not familiar with the workings of the benefit system but I undersand what sanctioning means and jcp and jsa but no idea what all the other things mean like (AFAIK) I think I need a benefits dictionary if anyone can help please for future reference! Thanks.

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I am not familiar with the workings of the benefit system but I undersand what sanctioning means and jcp and jsa but no idea what all the other things mean like (AFAIK) I think I need a benefits dictionary if anyone can help please for future reference! Thanks.

 

AFAIK isn't really a benefit abbreviation. It means "as far as I know".

 

There are benefit dictionaries on this site, IIRC ("if I recall correctly", another one you'll see online a lot) and I'll see if I can find them.

 

Edit: Here it is.

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

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AFAIK isn't really a benefit abbreviation. It means "as far as I know".

 

There are benefit dictionaries on this site, IIRC ("if I recall correctly", another one you'll see online a lot) and I'll see if I can find them.

 

Edit: Here it is.

 

Thanks Antone :) think ime a bit out of touch with things like shortened down words! Need to get in touch with the lingo eh :) Thanks for the dictionary :)

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Thanks Antone :) think ime a bit out of touch with things like shortened down words! Need to get in touch with the lingo eh :) Thanks for the dictionary :)

 

NP ("no problem"). Others you see a lot are IMO ("in my opinion"), IMHO ("in my humble opinion"), IMNSHO ("in my not so humble opinion"), and the perennial favourite, LMAO ("laughing my arse off").

 

Another is ROTFL ("rolling on the floor laughing"), and one that was invented for a politics/social forum I used to be involved with: ROTFLAGL ("rolling on the floor laughing and gathering lint"). Internet abbreviations are an art, really :-)

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

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OIC (Oh I see) which is a YABA (Yet Another Bloody Acronym):-)

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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I had a conversation with my sister last week, it was more about the NHS than benefits but a point we agreed on I feel is relevant to this topic.

 

We were discussing how the NHS is now much harder to get things like home visits and transport and agreed they made an assumption that there is always a family/friend to help so eg. can get a lift to the hospital or doctor. I feel its the same with benefits in that the state has assumed that if someone is cutoff from benefits that there will always be a friend or family member for that person to fall back on for the essentials such as accomodation and food. Thats a very dangerous assumption to make of course. Of course it makes that person less independent when this government is going on about dependency.

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There will also be many people who are currently living in accommodation that is considered too big for their needs, so will either have to move, or will find their HB cut. Also HB will be paid within universal credit which is likely to lead to people not paying all their rent if they're struggling to make ends meet.

 

Expect to see the courts with even more people facing eviction.

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It's arguable that the whole of welfare reform is actually illegal, http://gwenhwyfaer.posterous.com/reinstatement which would explain why legal aid for opposing it has been taken away.

 

He is right.

 

I find it shocking all the press, all the charities and sites like b&w which appears to be run by legal professionals have not picked up on that a lot of welfare reform is illegal and started legal action.

 

I think all the charities etc. between them have enough funding and manpower for this but I think they have due to bad management taken the wrong paths.

 

A friend of mine has beat his local council multiple times legally over housing benefit changes which change entitlement to single room rate. It was on a very similiar principle.

 

Now the press is perhaps not so shocking when considering they probably in collusion with the government but its very bad from the charities.

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A lot of the charities are busy running their hands under cold water after having their fingers burnt with regard to w2w contracts, at least it has exposed a lot of charities for openly going for the fast buck instead of the usual method of siphoning the cash from the collecting boxes.

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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There will also be many people who are currently living in accommodation that is considered too big for their needs, so will either have to move, or will find their HB cut. Also HB will be paid within universal credit which is likely to lead to people not paying all their rent if they're struggling to make ends meet.

 

Expect to see the courts with even more people facing eviction.

 

I know a few people in this situation. They live in adapted houses; so it's not quite as easy as just finding smaller accommodation - they have bigger houses because they need them.

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I had a conversation with my sister last week, it was more about the NHS than benefits but a point we agreed on I feel is relevant to this topic.

 

We were discussing how the NHS is now much harder to get things like home visits and transport and agreed they made an assumption that there is always a family/friend to help so eg. can get a lift to the hospital or doctor. I feel its the same with benefits in that the state has assumed that if someone is cutoff from benefits that there will always be a friend or family member for that person to fall back on for the essentials such as accomodation and food. Thats a very dangerous assumption to make of course. Of course it makes that person less independent when this government is going on about dependency.

 

That is exactly my experience of NHS and problems when ill but no one to call upon in an emergency. People I know cannot afford to run a car.....or a taxi ride....

 

It is easier to be independent when you are well and in work.....not so easy when ill and "dependent" on benefits......

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