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    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
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    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
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GoldenEye 2015 threatograms discussion thread - closed


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You presume I am pro creditor because the law I cite appears to be pro creditor.

I am just saying, sometimes it's better to settle out of court than pay these people much more in court.

 

 

Incidentally, if they can't sue you, can't criminally prosecute you or take out a private prosecution against you,

they will take a proprietary interest on any homes, other property by the remedy of Charge Order (1979 Act),

 

 

after which they'll let that original amount grow until they claim they have sufficient interest to sell your property from right underneath you, in their own right.

 

 

 

 

.

They have to win in court to get a charging order and that is a very big IF so i wouldnt be offering them anthing just to avoid court

You do come across as though you are a solicitor touting for business from these bandits.

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No, what I was doing was playing devil's advocate.

 

 

This forum largely concentrates on consumer rights

i was however alluding that law is very broad and diverse, with many and various remedies available to creditors.

 

 

A Charging Order is not as difficult as you think and at this time creditors seem to have the sympathetic ear of judges.

 

 

I am just presenting legal ideas to persons to equip them to make informed decisions and not based off or through the lay person's advice where said remedies do not affect them.

 

 

The Citizens Advice Bureau advise to not just ignore the letters. i have not read enough law on Copyright law,

 

 

although I did present possible arguments in various analogy form in which Golden Eye could use to convince judges,

my post was perhaps with out due merit, removed.

 

 

An educated and lateral thinking mind is a threat to some people who prefer to embrace control

and the limitations of the simplistic lay person's perception of law.

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Your posts were removed with due merit as they were irrelevant and nonsense to the thread topic.

 

Goldeneye is not a creditor...it does not have any remedies to avail itself...it works on fear and confusion to frighten its victims.

 

Could you please expand on how they could attain a charging order over ones property without the need to litigate and having the sympathetic ear of judges ?

 

We are open to any lateral thinking and is not a threat to any of our advice given...providing the advice that is offered makes sense and is coherent.

 

Andyorch

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What is sense to one person is foolish to another.

 

 

My post to you was not relevant because they were of a lateral thinking perspective/ standard, a lawyer type way of thinking.

 

 

They are foolish to you because you cannot relate to how a lawyer thinks, which is to persuade

...it's no different actually than the Government using rhetoric to endeavour to remove the Lords' powers or at least reduce them substantially, when they impeded their tax credit reforms; or Osborne making savage cuts in what was already a deep recession.

 

 

Lawyers are trained mouth pieces and a good lawyer would have used what i said,

just as in Tort an adept lawyer will convince the judge why someone should be liable and where others ought to be more protected, ie the police.

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So how do they get that restriction ?

We could do with some help from you.

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Rule of law

 

You seem to be spreading this none sense all over the forum, you points by enlarge are either misplace or sometimes just plain wrong, you really should stop.

 

You are not a solicitor nor do you have any legal training, you should stop pretending you do. As a final point lawyers do not think laterally they think literally. ie the same language as the judge is likely to.

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Order is a clue that it needs a court order. I never said an order is not required. I just said that a Charging Order is not as difficult to get as people think. If someone owes you money, you could take a charge on their land/ property. If you commit a crime, the victim's remedy against you can include a charge on your property. If someone has a co-ownership and owes a debt, I believe (although am not sure about it except if I were to research it) the other could put a charge on their home (am purposely avoiding the relevant legal terms/ principles, and keeping it simple).

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By applying to land registrar using the correct forms. The idea of a restriction is that certain types of land must be registered: Land Registration Act 2002, to essentially mirror what land interests are held and by whom to prospective buyers (agents for buyers), especially 3rd party interests that impede the land, Freeholds/ Leaseholds; beneficial interests such as implied trusts, and Easements. So the restriction effectively stops the person creating/ transferring land before the person who has the restriction is paid off: s. 40, Land Registration Act 2002.

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You said you had legal training in property law, which going off what you have said above you plainly dont.

I hesitate to correct your incorrect notions regarding the above as it is way of topic and I wonder how it came to be on this thread in any case TBH.

 

As regards unilateral charges(charging orders etc. these have to be supported by court sanction CCJ etc, The rest is unrelated nonsense, which is only included to make the unsuspecting reader think the poster know what he is talking about, he doesn't.

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Au contraire, I never said I was a lawyer. However, I have produced enough essays and answers to problem questions on all the legal subjects required for a qualifying law degree to know how to think like a lawyer.

 

Has it occurred to you that some of the people on this forum, to whom you are preaching, have actually qualified and practiced as lawyers?

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Has it occurred to you that some of the people on this forum, to whom you are preaching, have actually qualified and practiced as lawyers?

 

 

 

I have studied all the law degree subjects relevant to the qualifying law degree, whereas many who have done law conversion courses have not. This qualifies me at the least to have an opinion in matters pertaining to law.

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Some are doctors, teaching assistants, factory workers...and?

 

and they know that you are talking through your nether regions :)

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and they know that you are talking through your nether regions :)

 

 

 

What is it with you people? Are you not bright enough to think for yourselves, or think that a law degree is too difficult to do? It's like everything I say has the gestapo on my back. What have I done wrong? Are you guys any more qualified than I to discuss the things that I have? This is starting to feel like harassment now owing to controlling personalities who have propensity to be clique-like.

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Ruleoflaw

 

What have you done wrong?

Well if you are going to say that they can get charging orders on your property or land make sure you fully explain what you mean , do not make claims without foundation

 

I think many of us know that these days charging orders are indeed quite easy to get (although orders for sale are a different matter) but you still need to have followed the legal process.

 

having said that there are many people who do not know so by giving incomplete info you may be scaring the living bejeezus out of them when it is not necessary

 

 

Some of the people on this forum are very qualified in the areas they talk about through either qualifications or experience or because they have taken the time to understand what is being said

 

There is no clique on here , well not on this thread anyway . I do have a lot of respect for some of the site team and some of the posters because they have earned that by giving me good advice in the past . I am sure though, that the site team will tell you, if I think someone is wrong , I will play holy hell .

 

There is a saying

Those that can do, those that can teach ( or write essays about it) . Writing an essay is a long way from actually knowing your stuff, do you have any published, Peer reviewed articles we could read?

Any opinion I give is from personal experience .

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Ruleoflaw

 

What have you done wrong?

Well if you are going to say that they can get charging orders on your property or land make sure you fully explain what you mean , do not make claims without foundation

 

I think many of us know that these days charging orders are indeed quite easy to get (although orders for sale are a different matter) but you still need to have followed the legal process.

 

having said that there are many people who do not know so by giving incomplete info you may be scaring the living bejeezus out of them when it is not necessary

 

 

Some of the people on this forum are very qualified in the areas they talk about through either qualifications or experience or because they have taken the time to understand what is being said

 

There is no clique on here , well not on this thread anyway . I do have a lot of respect for some of the site team and some of the posters because they have earned that by giving me good advice in the past . I am sure though, that the site team will tell you, if I think someone is wrong , I will play holy hell .

 

There is a saying

Those that can do, those that can teach ( or write essays about it) . Writing an essay is a long way from actually knowing your stuff, do you have any published, Peer reviewed articles we could read?

 

A qualification to me is merely a piece of paper - any degree is piece of paper and in fact pertains to the formality of the certificate

 

 

 

To do an essay on public law, criminal law, land law Equity Trust, EU law, Commercial Tractions, Tort....just one essay in fact requires thorough research. I studied sociology and psychology but as hard as they were, compared to the standards for law, were like child's play. The law degree is demoted in the modern world in terms of credential inflation in England/ the UK. However, the law degree in the USA is not only a premium subject it is post graduate subject. The English law degree is broad equivalency to the US equivalent. We sit a 3 hour exam notwithstanding demanding course work per LLB module. We do not do soft dissertations for LLB modules. So, I do not care if someone has gone beyond the academic stages of the law degree and has gone to practice stage. Those person cannot practice unless they have the foundation knowledge, and it's that knowledge of substantive law that is more important or at least it ought to be in any qualified lawyer's life. In the UK now, any degree has the same value - as Marx would say, now universities set the scene and dictate the grade type whereas the employers take on the acting role by listening to the universities and putting those demands on the graduates even though many employers have never been to university.

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Ok enough I will give you 2 options:

 

Option 1 - Get back to the Topic Discussion.

 

Option 2 - I Close the Thread due to continuing to go off topic.

 

There are your options

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

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I would go for 2 if it were upto me, the chances of getting back k on topic now have become even more unlikely.

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

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Close the thread, as it is a waste of time. Nothing much is happening with these copyright claims at the moment. All that appears to have happened is that some Sky customers have had their details supplied to Golden Eye.

 

When people actually receive demands or court claims they can post a thread.

We could do with some help from you.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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