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    • Thanks for your prompt reply. I have some questions, please: When you say nothing will happen, my 80 year-old mother is worried about potential DCA doorsteppers if/when the debts are sold on - she is a very sweet, quite vulnerable lady and she is worried she may be bullied and harrassed.  If they do come knocking, what should she say?  I told her to say she knows nothing about any of it and they have no right to come knocking on her door and to warn them police will be informed if they come back.  Problem is, I don't think she would be strong enough and can easily be bullied into saying more than she intended once the door has been answered. Next questions: 1)  Should I inform all my lenders that I have moved abroad before defaulting (to avoid the quirky English law loophole thingy that could end up in a CCJ or worse once a DCA gets hold of it)?  2)  Can/should I provide an alternative UK correspondence address to my lenders instead of my mother's home address e.g. my virtual office address for my business - would the lenders accept this as I live abroad now and don't live at my mother's address?  Can I just write and tell them, without any further ado and not get into any further questions about it and cease further correspondence with them and default?  And would this stop DCAs coming to my mother's house as it would not be my current residential address on the lenders files when passed to the DCA?  Do they doorstep previous addresses? 3)  If I don't provide a UK correspondence address will I be at risk of not being aware of any Letters of Claim etc and legal proceedings notices etc not reaching me (there's no reliable postal system in the developing country I've moved to).  Worried this would mean I could end up being taken to court without being aware of it and could end up in a worse situation. 2) What exactly will go on my credit file once I've defaulted, assuming no legal action is taken against me?    4) Should I contact any of my lenders and inform them I have zero assets.  TSB & Sainsburys already have I&E info from me which shows my income  @ £1200/mth is below the combined total of my debt repayments @ £1300/mth and that my income only just covers essential costs of living @ £1200/mth.  Could it be useful to be on my file that I have no assets, so that the DCA clearly see this when the debt is passed to them? Thanks again for any advice.
    • paypal, but i would like to know if anyone knows if there is a certain time limit they have to refund you? thanks
    • Dear lookinforinfo, I'm sorry if I seem stupid, but what exactly am I telling them? -what code/ law / standard have they broken that I will use as an argument in letter? I don't understand the premise of your argument.  I would appreciate it if you could explain it to me clearly and in simple terms so that I understand.  Thank you   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Agreed, let them default. Keep everything in writing, if they ring to discuss the accounts over the phone, simply say 'everything in writing please', and hang up. They'll soon get the message. Get all of your paperwork in order too, if you haven't got any, or are missing relevant documents, then you can SAR the original creditor, which is free and they have 30 days to supply the info. Keep a diary of events too. sit back and relax, YOU'RE in control, not them.
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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Please can someone tell me if it is legal and acceptable for a meter reader from G4S to stand in my back garden,

point his phone at my bathroom window and take a picture of me standing at it whilst topless?

 

This is what happened last week.

 

Apparently there must've been a knock at the door.

I did not hear the door go as the water was running in the bathroom and I was about to have a bath.

 

The sash bathroom window was open about 2inches and I was standing at the sink next to the window when something caught my eye.

I looked out to see the meter reading guy complete with uniform and id card around his neck pointing his phone up at my bathroom window.

 

I shouted down to him "could you please stop taking naked pictures of me?"

 

He didn't respond and left.

 

I know it was G4s because a short while later I went out and saw their car in the area.

Is this acceptable behaviour for g4s acting on behalf of scottish gas?

 

Should I complain or am I over-reacting?

 

Was this for some kind of evidence to prove that I was in and not getting the door?

if so why would they do that?

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You need to start with G4S and warn them what happened and that you are reporting the matter to the police.

 

If you are 100% sure it was G4S of course?

 

Then make a report to the local Police regarding the invasion of privacy.

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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thanks, yes I do know it was them.

They have been very intimidating in the past.

usually they knock so loud you would have to be deaf not to hear them

and they keep on knocking for ages as I was stuck in the bathroom once before when they came.

 

As I have ocd I am usually in the bathroom washing or cleaning something

and if interrupted I would have to start what could be a 8 hour washing ritual all over again.

 

I have tried to phone and arrange appointments so i don't get the surprise visits

which send my ocd through the roof,

but they never respond with times or dates.

So it is an invasion of privacy then?

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The taking of photographs whilst you were in your own home by a stranger, especially when naked is an invasion of privacy yes, because you expect a certain amount of privacy in your own home.

 

This might also be on the cusp of a sex offence?

I strongly urge you to contact your local police, 101 unless you know their geographic number?

 

Utility Services (gas and electricity meters)

 

We undertake meter reading services on behalf of a number of major energy suppliers. If you have any customer enquiries about your service, of if you need to rearrange appointments, please contact [email protected] Tel: +44 (0) 845 300 5016.

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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