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    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • Hi all, Love this site and it's no nonsense advice, have dipped in and out of the consumer forums over the years, mostly to assure myself that what I was doing was the right thing when dealing with various businesses (almost 100% success rate, thanks in part to reading and more reading here.). Anyway, the time is almost approaching where I might need to ask for some specific help and I have a couple of queries that I can't see definitively answered. Due to financial mismanagement and severe anxiety issues I stopped paying all unsecured debt in December 2018 (one slipped to the first week in Jan 2019 when the last payment was made having rechecked my bank statement from that period - all my unsecured debt direct debits were cancelled in early Jan 2019). This has left half a dozen debts;  a couple of credit cards, a bank loan, Shop Direct and some Hitachi Finance stuff having been sold on and passing the rounds through the usual suspects, Lowells, Link, PRA Group, others related to them, and then back to them again. I have somehow successfully managed to maintain radio silence and avoided anything more worrying than their begging letters.  I have blocked their phone calls and texts, bumped all emails to the spambox and had a chuckle at their desperate letters.  I've never had anybody at the door.  I have been at the same address since before I defaulted and all correspondence comes to my current home address.  I have NEVER contacted them or admitted any debt. In anticipation of them perhaps ramping up action at the last minute I've had a look at my credit report on Credit Karma (rec'd from this very place) and I see that the default dates on these range from May 2019 to November 2019. Also in preperation I've been reading, reading and reading lots here as advised. Obviously being in Scotland there are a lot fewer posts relating to these matters and it's always quite annoying when OP's do not follow up with any outcome on their cases - how rude! This has also left me a bit confused of when I am able to finally breathe easy (although cancelling all the direct debits in Jan 2019 was the biggest sigh of relief as I knew it was all going to be unmanageable and, well, default one, default all.). I've been reading that defaults should be filed 3-6 months after the missed payment but one of my larger debts was defaulted on 27th August 2019 when the last payment I made was 10th December 2018, meaning the first missed payment was 10th Jan 2019.   My query for now is - when should I infer that these debts are prescribed?  From when the payment was missed, or taking the default date plus 5 years from the credit report? The three I have with the May date are moot anyway as either way they are gone  - some letters from Lowell offering me 90% off to settle is what got me thinking these must have been near SB status, however I have one big 10k+ with a July date and another 10k+ at the end of August I am feeling a bit anxious again, even though I know there is nothing to worry about with the begging letters.  Reading the various forums I am not sure why the OC's didn't take action against me when I read time and again the surprise that other posters haven't already been taken to court for lesser amounts - I'm also surprised I've avoided any action this long as there are plenty in this forum and sub forum who are whisked off to the court by the beggers minions after only a year or so after defaulting.  There are no CCJ/decrees listed on my credit report and I have not received any such judgements against me.  I still just regularly receive the begging emails to the spambox, the blocked phone calls and the letters from the they. I'm also reading that there is no need in Scotland to send an LBC so what should I be looking out for to know that the time has come to engage with CCA requests etc? I'm afraid in a fit I threw a lot of the paperwork out but I have a box of stuff I'm going to go through which may have the original letters from the OC's. Thanks in advance for any advice.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.    Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
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      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.

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Should we leave the EU..


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There are a lot that actually take away rights we already have like SOGA which is why they were not implemented in full. But I didn't say anything about being bad, we can make up our own rules to suit our nation, we have done for thousands of years and done alright by them. Trade and a common market fine the worlds worst dressed woman (if it is a woman) telling the whole of Europe what to do NO.

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There are a lot that actually take away rights we already have like SOGA which is why they were not implemented in full. But I didn't say anything about being bad, we can make up our own rules to suit our nation, we have done for thousands of years and done alright by them. Trade and a common market fine the worlds worst dressed woman (if it is a woman) telling the whole of Europe what to do NO.

 

The views you express reveal a strong 'islander' feeling that is common in people living in islands around the world.

 

I have the opposite feeling, that we are part of one world and should embrace it. I don't want the UK to retreat back into being a small island nation. The people of the UK need protection from their government in the form of the EU/ECHR. It is a bit like having an outside regulator to step in to make rulings where it is needed. Sometimes it is inconvenient but it is mostly in the interests of the people. The EU went further on consumer rights than the UK Parliament wanted

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Yes I'm an Islander and love being so. I would also love more than anything for the world to be one big country, but that will never happen when you have the likes of Russia, China, N Korea and Iran. They are only interested in domination.

 

As for the choice of words, 'retreat' is not a word in the British dictionary, we have never been a lock the door and hide away nation. Remember we owned the world at one time, so I don't think retreat is a word that comes into it.

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Yes I'm an Islander and love being so. I would also love more than anything for the world to be one big country, but that will never happen when you have the likes of Russia, China, N Korea and Iran. They are only interested in domination.

 

As for the choice of words, 'retreat' is not a word in the British dictionary, we have never been a lock the door and hide away nation. Remember we owned the world at one time, so I don't think retreat is a word that comes into it.

 

The world has changed and it is how you deal with it. I use the word retreat to mean that people think that separation is the way to handle change. It is far too late for that now. We are Europeans and need to work together to face the competition from countries like China.

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I think the problem is that the way the EU has evolved has led to what is perceived as an unaccountable juggernaut that resembles a scrap yard.

 

The idea has merits but maybe the EU needs to be scrapped and started again with its new aims and objectives clearly spelt out. Not a mess that evolved from a trade union to a political one.

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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I think the problem is that the way the EU has evolved has led to what is perceived as an unaccountable juggernaut that resembles a scrap yard.

 

The idea has merits but maybe the EU needs to be scrapped and started again with its new aims and objectives clearly spelt out. Not a mess that evolved from a trade union to a political one.

 

I don't mean this to accuse anyone of racism or xenophobia, but I wonder whether people would feel the same way if all members of the EU Parliament spoke English and sounded like they were from the Home Counties of England,

 

At the election many in England did not even want Scottish MP's having the right to vote on some issues at Westminster or having much influence on government.

 

I find this is harking back to only wanting those within the clan to hold any power over the clan. This allows nationalism to grow and some take it too far. Look at some of the SNP supporters and how they behaved. Do we want to see a rise in English nationalists ?

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The problem with any form of government is that the public must have faith that they understand and represent all sections of the community.

 

The bigger the Community, the harder it gets.

 

The EU could work, but atm we have problems with having faith in our own government, let alone that is as transparent as a brick wall XD

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The problem with any form of government is that the public must have faith that they understand and represent all sections of the community.

 

The bigger the Community, the harder it gets.

 

The EU could work, but atm we have problems with having faith in our own government, let alone that is as transparent as a brick wall XD

 

People don't like government, whether it is local, national or at continent level.

 

I think the EU does work but could do with some reforms to make it better. Once you get passed the nationalistic tendency, there are not many specific issues affecting people in the UK caused by membership of the EU.

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Yes it will, they can't get out of it now.

 

I wouldn't be so sure about that, as our governments have a good track record of getting out of things they promised. Whether the population would stand for it, if they tried, is another matter.

What sort of world do you want your kids to grow up in?

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They may promis a lot of things and break those promises, but they won't the referendum, it's too deeply entrenched and been hammered into the people to much.

 

Agreed. The government majority is small and the last thing they need is some sort of backbench rebellion. Reneging on the EU referendum promise would be a sure way to guarantee such a thing.

 

Even without the backbenchers, I'd guess there were a fair number of people who voted Tory specifically because they wanted an EU referendum or at least wanted the issue to be discussed seriously in this Parliament. I know Cameron has said he won't seek another term as PM, but presumably he wants his party to have a chance of still being in government after June 2020. He won't break this promise.

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

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I hope you are both right and we will all see soon enough. If it didn't happen, then I would have to declare democracy in this country, whatever little we have left of it, totally dead. Touch wood.

What sort of world do you want your kids to grow up in?

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Every argument the No campaign made against Scotland going Independent applies to leaving the EU.

 

Look at Norway - a lot of Norwegian Politicians would love it to be in the EU - the problem they have is they have to enact EU legislation that they have no control over or say in, because they dont belong to the EU, but if they didnt enact that legislation, they wouldn't be allowed to trade with the EU, and various other things.

 

So we couldn't leave, and become a powerful trading nation, continuing to trade with the EU, we would simply still have to enact certain stuff, and not even get the billions that the EU sends to Britain for poor areas etc.

 

The Immigration arguments don't stack up either!!!

Here are a couple of EU nations who have citizens resident in the UK

Germany 126,000 German Nationals in UK

Spain 71,000 Spanish Nationals in UK

Netherlands 40,000 Dutch Nationals in UK

 

UK Citizens in those Nations:

Germany 115,000

Spain 761,000

Netherlands 44,000

 

So should we leave the EU and send the EU Migrants "home" and they retaliate and send Brits back, we will not only not ease the population, but increase it, France has about 130,000 Brits! And many of those Brits, especially in Spain and France are on local Benefits, and using up local services, especially elderly brits in both. So we would have several hundred thousand Brits coming back, all needing the NHS and benefits system, at least temporarily.

 

We would be exchanging many working EU Migrants, for Brits who wont be working, many of whom will be on pensions.

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Every argument the No campaign made against Scotland going Independent applies to leaving the EU.

 

Look at Norway - a lot of Norwegian Politicians would love it to be in the EU - the problem they have is they have to enact EU legislation that they have no control over or say in, because they dont belong to the EU, but if they didnt enact that legislation, they wouldn't be allowed to trade with the EU, and various other things.

 

So we couldn't leave, and become a powerful trading nation, continuing to trade with the EU, we would simply still have to enact certain stuff, and not even get the billions that the EU sends to Britain for poor areas etc.

 

The Immigration arguments don't stack up either!!!

Here are a couple of EU nations who have citizens resident in the UK

Germany 126,000 German Nationals in UK

Spain 71,000 Spanish Nationals in UK

Netherlands 40,000 Dutch Nationals in UK

 

UK Citizens in those Nations:

Germany 115,000

Spain 761,000

Netherlands 44,000

 

So should we leave the EU and send the EU Migrants "home" and they retaliate and send Brits back, we will not only not ease the population, but increase it, France has about 130,000 Brits! And many of those Brits, especially in Spain and France are on local Benefits, and using up local services, especially elderly brits in both. So we would have several hundred thousand Brits coming back, all needing the NHS and benefits system, at least temporarily.

 

We would be exchanging many working EU Migrants, for Brits who wont be working, many of whom will be on pensions.

 

Very wise comments !

 

Cameron wants the referendum to deal with Tory divisions and UKIP. Those against EU membership may be more likely to vote than those that want to stay in the EU. If Cameron looses his gamble and the UK votes to leave, this would be a massive problem to sort out. The Stock markets may crash and it may cause problems with currencies. Businesses looking to invest in the UK who had put on hold decisions, are likely to use their money elsewhere.

 

Dangerous game Cameron is playing and it may lead to his government finishing early.

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It looks like the negatives of leaving will outweigh any positives of leaving. All we hear is that foreign business will leave and many jobs lost. I suspect as been said, when it comes down to it the same will happen in UK as in Scotland, scared of the unknown. Maybe it will be a case of better the devil you know.

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Despite being the EU-cashcow, UK has ALOT of "tax beneficial" resources in the EU which could go to waste if we were to leave. I'm not to sure if they would even be affected as we would more than likely retain EEC status.

 

Not only that, but as Britain has evolved into a "Service Nation" over the years, the services we deploy around the EU are mission critical to the income of the UK.

 

I think that second paragraph is why it would be disastrous for the UK to leave the EU.

 

If the wicked witch had invested in UK industry and manufacturing rather than destroying it and effectively deregulating the financial systems, then we would would probably be in a stronger position, but not enough stronger to make the decision different I think, just reducing the chances of being really in the do-doos if we did leave..

 

I would love to see the proposals for the UK's trade with the rest of the world if we did leave now.

 

Having said all that, I really have very mixed feelings and thoughts about a federal Europe effectively run by unelected officials.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

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seems sparkey refers to

not being subject to the echr (though the courts have long since had regard to the echr re hr, even prior to 72 and the hra). though yes, a human rights act, or the like, may not be necessary if not in the EU. though its like will subsist.

 

the current probs at calais. but, wont they be there whether in or out.

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seems sparkey refers to

not being subject to the echr (though the courts have long since had regard to the echr re hr, even prior to 72). though yes, a human rights act, or the like, may not be necessary if not in the EU. though its like will subsist.

 

the current probs at calais. but, wont they be there whether in or out.

 

Yes human rights will still apply and Calais would still be the same.

 

People who think leaving the EU would place the UK in a better position should listen to what is said by Norwegians.

 

Would be madness to leave the EU.

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one of our self made entreps advocates staying in. branson.

tbh, as joe p, i dont know the full sp. thats the idea of P, for them to decide whats best for us. but do they?

even if the ref says no, it doesnt mean that P will take us out?

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seems sparkey refers to

not being subject to the echr (though the courts have long since had regard to the echr re hr, even prior to 72 and the hra). though yes, a human rights act, or the like, may not be necessary if not in the EU. though its like will subsist.

 

the current probs at calais. but, wont they be there whether in or out.

 

And of course, the ECHR and the European Human Rights Court are actually nothing to do with the European Union itself.

 

Funny how Cameron doesn't want a referendum on the ECHR, presumably because he doesn't want to come clean on what would very likely become known, after its enactment as "The British Bill of Rights We Used to Have" Governments never like giving, only taking, and a Bill of Rights would without question strip away many Rights all in the name of "Terrorism"

[sIGPIC][/sIGPIC]

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ECHR will still exist and the UK will still be a member. The bill of rights talked about is just allowing UK courts a fuller role in deciding human rights and trying to impress on the ECHR that human rights have been fully considered by UK courts.

 

So it does not make much difference and is purely a political message of UK trying to seek dominance.

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A/ Be part of Europe for trade as what we were sold in the seventies.

 

B/ Leave the EU in its current form as it's unelected.

 

C/ Secure our borders with the army involved.

 

D/ Stop trying to meddle in other country's affairs..

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