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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • SPM87
      Advice and insight please

      By SPM87 · Posted

      I posted a couple of years ago about our debt situation and have been trying to pay off our debt as best we can. It is a possibility I maybe made redundant in a few months time, so I am trying to find out everything I can about what happens in today’s world when you can’t pay. I keep finding conflicting advice on various sites so I wanted to post this quote to get thoughts. It claims basically that the dca will likely get enforceable documents these days and therefore it’s likely you will have to pay dca at some point during the 6 year process.    on here I read a lot of comments assuming the exact opposite of this. A lot of the threads on here state the beginning of the process but I never see conclusive stuff about what happened from start to finish to get insight into whether debts post 2015 have been enforced etc. I hear a lot here not to pay dca companies but most my debts are post 2015 debts I am all up to date on our debts but if I lose my job it is likely I’ll end up where I tried to avoid in the first place. Which is destroying our files and dealing with DCA. I’ll post it below so you can see what I mean.   It is likely that any debts incurred after 2007 will end up with all the documentation being provided and being enforceable. Therefore you should use the time while awaiting responses going through your Income & Expenditure and considering any possiblity of making a full and final settlement. It can take a number of months to reach the stage of a hearing date and exchange of witness statements and normally you would be able to settle or come to an arrangement to pay before the court hearing, once documents have been provided, although this isn’t guaranteed.
    • dx100uk
      Judge & Priestly

      By dx100uk · Posted

      depends who said sols state their client is. IDRWW vis~IDR(worldWide) are a debt collector regulated & registered in the UK & USA    they are not solicitors. they use various 'for hire' - here use our letterhead paper tiger solicitors. its just a case of who's stupid enough to join their folly. IDR law used to be their fav but they lost do much money, they broke ties after almost being struck off and now do Will/Probate disputes only. IDR Legal are their sols wing. moriarty law Judge and priestly Taheel - a foreign DCA that use absolutely any trick in the book to extort money even pretending to be any of the above inc being the bank themselves in phone calls.           
    • dx100uk
      ENBD/IDRWW/IDR Legal - letter of claim now statutory demand

      By dx100uk · Posted

      And? dx  
    • dx100uk
      UAE debt IDR - Letter Of Claim

      By dx100uk · Posted

      AND? dx  
    • dx100uk
      IDR Letter of claim for Dubai Debt ive been paying directly to the bank for years - why are they sending this?

      By dx100uk · Posted

      And? dx  

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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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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Should the bedroom tax be scrapped? please vote

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antone

antone

Posted
Posted
But would not this help the families that need a larger house?

 

I don't think that it is right that couples with children that have flown the nest are allowed to remain in their 3/4 bed council/HA property. They should move out to a 1 bed private let (which will of course cost more in benefit) but the bigger picture is that it will release a whole swathe of 'family' homes that are desperately needed. It can't be right that families with 3/4/5 children are having to live in a 2 bed property simply because the 'old couple up the road' living in a 3 bed semi are blocking them.

 

Honestly I don't think that there is a way out of this. The government will have to standardise both types of letting and only pay for the bedrooms that the law deems that are needed.

 

The problem is that housing is a complex area. So yes, it is a good idea in principle (as I've acknowledged already in this thread) to rearrange the way social sector housing is used. I agree that a couple whose kids left the nest 10 years ago should not really be living in a 4 bed house while a family of five lives in a B&B or a slum.

 

That's not really the point, though, because this legislation does nothing to solve the problem. All it does is yank money from poor people who can't afford to move, without offering them any way out of the predicament.

 

And even if you suggested that they move to the private sector, well, my wife and I just moved from one private sector property to another 30 miles away. We are not currently claiming any benefits. Conservatively, I would say that the moved required about £1300 in upfront cash. Sick and disabled people, the unemployed, and so on, simply have no way to save that sort of money.

 

Perhaps we should offer to cover first month's rent, security deposit and reasonable moving costs? If we did that, we'd take a tiny and tentative step towards something that might make this work.

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RaeUK

RaeUK

Posted
Posted
... I agree that a couple whose kids left the nest 10 years ago should not really be living in a 4 bed house ...

Slightly disagree. The couple should be living there as they have every legal right to do so under the terms of their tenancy contract. People shouldn't be penalised because the contract they entered into years earlier is now deemed unfashionable. Why should they be forced to move from the home they have lived in for, quite often, decades? One of the main points of social housing was to offer security in renting.

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stu007

stu007

Posted
Posted
Slightly disagree. The couple should be living there as they have every legal right to do so under the terms of their tenancy contract. People shouldn't be penalised because the contract they entered into years earlier is now deemed unfashionable. Why should they be forced to move from the home they have lived in for, quite often, decades? One of the main points of social housing was to offer security in renting.

 

Their lies one of the issues for the Social Housing Sector as a lot of Council/HA for years have had a Clause in their Tenancy Agreements about Under Occupation and they could legally have used this clause if under occupation did occur.

 

Most of the Council/HA were reluctant to use this clause for years due to the legal impact but now well you can guess whats happening now this clause.

 

My own HA has had this clause for over 10 years in the Tenancy Agreements but even now is reluctant to use this even with the bedroom tax and would rather explain the pros and cons and offer as much advice as possible to those tenants affected to make their own informed decision.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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antone

antone

Posted
Posted
Slightly disagree. The couple should be living there as they have every legal right to do so under the terms of their tenancy contract. People shouldn't be penalised because the contract they entered into years earlier is now deemed unfashionable. Why should they be forced to move from the home they have lived in for, quite often, decades? One of the main points of social housing was to offer security in renting.

 

This is why I said it was complex, because you do make a valid point. Given that SS housing is limited, it seems instinctively reasonable that it should be allocated to those who can make the best use of it. But as you correctly point out, people did sign these deals on the basis that they could be secure where they were, and to retroactively penalise them for this seems unfair - certainly when no alternative is offered.

 

Of course, those of us in the private sector have to deal with this, and much as we'd like SS housing, it simply isn't available to us. So I don't totally disagree with Andy...oops, sorry, bedofweeds, either.

 

It seems obvious to me that selling off a huge chunk of our SS housing stock for way less than market value is the ultimate cause of this whole problem, but I don't expect Mr Cameron to acknowledge that Goddess Thatcher ever made a mistake. So we're...stuck. We don't have enough houses for those who need them, and we have no way to remedy the situation that won't cause suffering and misery. Thanks, Mrs T.

 

But whatever we might propose, the Bedroom Tax is simply stamping on the poor with steel-toed boots. It does nothing to solve the problem.

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stu007

stu007

Posted
Posted

What we have also not mentioned yet is the mass increase in Food banks throughout the UK and that they have seen a mass increase in those needing the service but all these Food banks are starting to struggle with the influx and are asking for help in donations as they cant cope.

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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osdset

osdset

Posted
Posted

Have been contributing my tuppence-worth to a heated 'debate' over on the benefit bashing forum on this very subject, the consensus of opinion among the swivel eyed Tory mob is that 1 bed properties are plentiful and it's just greedy stubborn skivers that won't move who are causing the problem.

 

A widely held view among the Tory rank and file it seems.

 

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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estellyn

estellyn

Posted
Posted
Have been contributing my tuppence-worth to a heated 'debate' over on the benefit bashing forum on this very subject, the consensus of opinion among the swivel eyed Tory mob is that 1 bed properties are plentiful and it's just greedy stubborn skivers that won't move who are causing the problem.

 

A widely held view among the Tory rank and file it seems.

 

does being a Tory somehow remove their ability to do simple sums. I haven't heard of any areas where there are enough 1 bed properties for the need caused by the bedroom tax.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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antone

antone

Posted
Posted
What we have also not mentioned yet is the mass increase in Food banks throughout the UK and that they have seen a mass increase in those needing the service but all these Food banks are starting to struggle with the influx and are asking for help in donations as they cant cope.

 

Worth considering, although this isn't only being caused by the Bedroom Tax. Many aspects of welfare reform are driving people to extreme poverty.

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antone

antone

Posted
Posted
does being a Tory somehow remove their ability to do simple sums. I haven't heard of any areas where there are enough 1 bed properties for the need caused by the bedroom tax.

 

But didn't you hear? Reality has a left-wing bias.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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

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bedofweeds

bedofweeds

Posted
Posted
But where are these smaller houses? That's the problem. More people want them than there are smaller houses.

 

If you give me your postcode I am sure that I can find you many 1 bed properties to rent within say a few miles of where you are now - or is it that you are choosing not to want to rent privately and move?

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osdset

osdset

Posted
Posted

I thought the governments bedroom tax had a dual purpose, to free up under occupied property and reduce housing benefit costs. Renting privately is always more expensive than social housing, pushing people into the private rental sector would see the benefits bill rise dramatically.

 

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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osdset

osdset

Posted
Posted
I love how some people will go to any lengths to excuse this foul and corrupt governments war on the poor and sick.

 

Yeah, all the forums have a handful of government apologists, bigots, and swivel eyed cranks.

 

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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Nystagmite

Nystagmite

Posted
Posted
Surely the simple answer to this,all Social Housing tenants sign a contract that as the house/flat becomes under occupied,then the local council/housing association move their tenant to a smaller property.

 

FS

 

Who would pay for them to move? As Atone mentioned earlier, many are on benefits and don't have the money to pay to move. (including deposit, etc) I do think there does need to be an incentive to move.

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lenny100

lenny100

Posted
Posted

First they came for the Jews and I did not speak out because I was not a Jew.

 

Then they came for the Communists and I did not speak out because I was not a Communist.

 

Then they came for the trade unionists and I did not speak out because I was not a trade unionist.

 

Then they came for me and there was no one left to speak out for me.

 

 

 

all so true now as then

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osdset

osdset

Posted
Posted
You missed out the t-word ... :lol:

 

Yeah, I'm not over keen on using Troll, it's a bit too shorthand for my liking.

 

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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