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    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
    • totally immaterial. time to now start reading up. Programmable Search Engine (google.com) Clickme^^^ do not miss your defence filing date no matter what dx  
    • Programmable Search Engine CSE.GOOGLE.COM clickme^^
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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The FoTL Twaddle Thread


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The damning thing about FOTL followers is that they are convinced that there are no laws that have any impact on them, it is fortunate that a pronouncement has been made by a senior judge in Canada that has international implications has dispelled all of this dangerous nonsense, that can lead the vulnerable and ill advised member of the general populace into making fools of themselves before a judge.

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The only way you would be able to object to a transfer of obligations from a creditor to a collection agency will be a tripartite assignment based on Novation. That is all rights, duties and obligations are transferred.

 

Assignments of obligations are transferred under the Law of Property Act 1925. When you take out an agreement, a term is inserted into the t&c allowing the creditor to sell the debt if he wishes to a third party.

 

YOU AGREE TO THAT TERM when you sign and execute the original agreement.

 

So for people to object later on is a non starter as you have already given your express consent to any possible transfer or sale of the contract to a third party, such as a collection agency

 

Thank you for your imput but I seem to remember that this site was set up originally to fight among other things "unfair terms in contracts" And lets not forget their is no signed agreement.

 

I am no lawyer but I believe there is a law under the fraud act that says something like all parties must be given access to all information. I am sure someone will correct me if I am wrong. I have requested sight of the signed agreement and in particular the bit that states T-Mobile can carry on charging after the contract has finished and the phone is not in use. However this has not been provided.

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Just a quick update on my fight against injustice. I have a mediator on the case now who is going to call me to try to resolve this case before it goes to court.

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It would appear that you have fallen foul of the ''automatic Contract Roll over process often used by mobile phone providers and insurance companies also seen here in a different form with the CRAs free trials which if not cancelled in time automatically roll on to be a paid for account.

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It would appear that you have fallen foul of the ''automatic Contract Roll over process often used by mobile phone providers and insurance companies also seen here in a different form with the CRAs free trials which if not cancelled in time automatically roll on to be a paid for account.

 

Is there a defence against this?

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Just a quick update on my fight against injustice. I have a mediator on the case now who is going to call me to try to resolve this case before it goes to court.

 

An HMCTS mediator? This service is excellent and very successful in deadlock cases.

 

I have acted on behalf of others in a fair number of cases, resolution in the form of a Tomlin order means that NO CCJ is entered as long as the terms of the order are met.

 

Mediators are not lawyers, cannot make judgements or give legal advice, he/she will pass comments from each party to the other.

 

I particularly like telephone mediation appointments, much less stress for the parties and less taxing than a court hearing.

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I have been successful, in showing that the roll over section of the service contract is not made clear and fully explained to the customer, the applications made for mobile phone accounts on line is particularly a problem, nor is this explained in the providers shop premises.

 

I'm particularly aware of this as I bought a new phone a couple of weeks ago and the Ts&Cs were not explained nor was I recommended to read them before signing the contract.

 

Most mobile account holders think that they can just forget the contract after is reaches term and you can see the problems this can cause.

 

I think this is what you should pursue through the mediation process.

 

I would very much recommend (if you have not already done so) getting a copy of the service contract.

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I have been successful, in showing that the roll over section of the service contract is not made clear and fully explained to the customer, the applications made for mobile phone accounts on line is particularly a problem, nor is this explained in the providers shop premises.

 

I'm particularly aware of this as I bought a new phone a couple of weeks ago and the Ts&Cs were not explained nor was I recommended to read them before signing the contract.

 

Most mobile account holders think that they can just forget the contract after is reaches term and you can see the problems this can cause.

 

I think this is what you should pursue through the mediation process.

 

I would very much recommend (if you have not already done so) getting a copy of the service contract.

 

Thank you

 

Your advice is much appreciated.

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Thank you

 

Your advice is much appreciated.

 

Your welcome!!!

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In most cases FOTL method is sucessfull only because that a company decides the amount may not warrant the possible expence to act upon, hence takes a financial decission to not continue for commercial reasons.

:mad2::-x:jaw::sad:
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In most cases FOTL method is sucessfull only because that a company decides the amount may not warrant the possible expence to act upon, hence takes a financial decission to not continue for commercial reasons.

 

Can't see where ''commercial views, decisions) have any relationship with FOTL.

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Can't see where ''commercial views, decisions) have any relationship with FOTL.

 

 

Company taking the view that the cost of any court action may out way the actual claim i.e. if things went against them also possible thought a precedence may be made detrimental to companies.?

:mad2::-x:jaw::sad:
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Quite. If someone has nothing and the most any payment is likely to get is a quid a month is it really worthwhile spending time and money that they may never see back taking you to court.

Any opinion I give is from personal experience .

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Quite. If someone has nothing and the most any payment is likely to get is a quid a month is it really worthwhile spending time and money that they may never see back taking you to court.

 

Yes and of course every time one of the commercial decisions forces the creditor to withdraw the FOTL take it as confirmation of their argument.

 

One of the strong points of our legal system is that everyone has a right to be heard and present their arguments, unfortunately that also includes the nutters.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Can't see where ''commercial views, decisions) have any relationship with FOTL.

 

Neither do I.

 

It appears that in many peoples minds any mention of FOTL automatically invokes negative views.

I appreciate these views are based on the experiences of the person making the comment, but actual FOTL philosophy/ideals have nothing to do with "debt evasion". The posters quoting novel/nutty case law to evade debt are not real FOTL followers. I suspect, they are desperate people clutching at straws trying to deal with overwhelming pressure from creditors, and landed on the wrong website first. I would like to know where they are getting these "ideas" in the first place.

 

They are really in need of help, by directing them to case law/legislation and considered advice.

 

Bill.

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I don't think it would be worth referring them to any legislation, from what I read they don't acknowledge that it has any jurisdiction over them, only over their "straw man" counterpart.

 

This is represented by any document or number which is assigned to them at birth by the "state "and robs them of their rights as free men.

 

Strangely this does not apply to their national insurance number though which of course enables them to draw social and receive free medical care, odd that.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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How true the concept has no merit what so ever and cannot succeed.

''Commercial'' decisions or views as DCAs in a corner call them are not

in any way linked to FOTL.

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I think perhaps we are talking at cross purposes here.

 

When a creditor decides if they are going to enforce they will do so on a commercial basis , it maters not a jot if the debtor is claiming the are free men or if they maintain they are exempt from earth laws because they come from the planet zog.

 

Mainly it is the blood from a stone issue

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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I think perhaps we are talking at cross purposes here.

 

When a creditor decides if they are going to enforce they will do so on a commercial basis , it maters not a jot if the debtor is claiming the are free men or if they maintain they are exempt from earth laws because they come from the planet zog.

 

Mainly it is the blood from a stone issue

 

 

zog? == the 9th planet on the 8th plain and turn left would that be?

:mad2::-x:jaw::sad:
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zog? == the 9th planet on the 8th plain and turn left would that be?

 

Ah you know it.

Nice place, but twelve moons. Plays havoc with the tidal system.

Good if you like to surf though.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Surf? I nearly drowned there so much paperwork clogged me ears!

 

:lol:

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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How true the concept has no merit what so ever and cannot succeed.

''Commercial'' decisions or views as DCAs in a corner call them are not

in any way linked to FOTL.

 

The only way the have any relationship is that if the creditor knows you will defend they will incur extra charges which they may never get back. If i were defending i would want to use something with proven results. Even UE can be a game of poker. Never reveal your hand until you have to.

Any opinion I give is from personal experience .

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  • 4 months later...

Just an update on this case.

 

I had the mediation and during the discussions sigma said they would accept a lower amount.

I refused as I maintained no debt existed.

 

The amount kept going down and I kept refusing.

 

In the end no agreement was made and they have now gone way past the 28 days they had to file a case with the local court.

 

I also received a letter saying no further action will be taken.

 

However the default Sigma have put on my credit file still remains and I have a feeling this will all start up again at some point.

 

PS I have also put this on the original thread.

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If the default is there and no debt exists, you need to hound them for its removal.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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