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    • 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 so 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. 
    • They are absolute chuckleheads. You paid but because you entered a different car park site also belonging to them they are pursuing you despite them knowing what you had done. It would be very obvious to everyone, including Alliance that your car could not have been in two places at the same time. Thank you for posting the PCN so quickly making it a pity that you appealed since there are so many things wrong with it that you as keeper are not liable to pay the charge. They rarely accept appeals since that would mean they lose money but they have virtually no chance of beating you in Court. Very unlikely that they will take you to Court given the circumstances. Just in case you didn't out yourself as the driver could you please post up your appeal.
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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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Labour party summed up in one stupid, embarassing speech.


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If the country wasn't so greedy and allowed the giveaways to be reduced, we could get the debt down and actually be in the black and there wouldn't be any requirement to borrow at all

in fact we could start to lend it and reap the benefits.

 

We lose tens of billions through corporation tax avoidance, which is legal, but often morally questionable.

 

If there had been a requirement to reinvest council houses sale money into building new homes, we would probably be saving billions in housing benefits every year and not have a problem.

 

The state pension scheme should have been changed decades ago. Money should be invested away and not have so much taken from current revenues. The Norwegian state pension scheme is apparently the largest sovereign wealth investment fund if its type in the world.

 

International aid money is subject to abuse.

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We lose tens of billions through corporation tax avoidance, which is legal, but often morally questionable.

 

If there had been a requirement to reinvest council houses sale money into building new homes, we would probably be saving billions in housing benefits every year and not have a problem.

 

The state pension scheme should have been changed decades ago. Money should be invested away and not have so much taken from current revenues. The Norwegian state pension scheme is apparently the largest sovereign wealth investment fund if its type in the world.

 

International aid money is subject to abuse.

 

If all the money from the sale of council houses was put back into building houses in places suitable for lower/middle income families (brown sites),

 

then not only would there be no significant housing shortage or vastly inflated prices,

 

the housing bubble and its economic devastation would not have occurred

 

and the house building slump with its economic fallout and loss of skilled tradesman would not have occurred.

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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Now I think Corbyns utter incompetence in managing this latest Syria vote situation really and clearly shows he is unfit for any position this side of the back benches.

 

A single prime example

A big issue made of whether he would whip or not.

 

A competent leader would have said even/especially at the last minute -

This is a matter for conscience, and I urge the Conservative government to allow a free vote to it members, in which case I will also.

 

Instead the fool has left the party split and in an untenable position.

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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Now I think Corbyns utter incompetence in managing this latest Syria vote situation really and clearly shows he is unfit for any position this side of the back benches.

 

You were told this the day after he was elected. The man is a baffoon not fit for any post.

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You were told this the day after he was elected. The man is a baffoon not fit for any post.

 

But there is a difference between political rhetoric and demonstrated incompetence conniff.

 

I didn't believe he was the best option, even from a poor bunch, and stated that.

 

Some of us consider the reality of developing situations rather than unquestioned support of something right or wrong.

I gave him the benefit of some doubt - he has now proven that doubt.

 

Cameron and his barons blatantly lie and waffle and Corbyn is completely unable to address that let alone turn it back on them.

He must go (preferably Corbyn and Cameron)

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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You were told this the day after he was elected. The man is a baffoon not fit for any post.

 

Jeremy Corbyn could be useful to Labour for several reasons.

 

1). If you choose a pig as leader, anyone who follows is likely to be seen as a PM in waiting.

 

2). It has increased the number of members and unions opposed to the Blairite new Labour project have rejoined

 

3) it has exposed the very left wing politics to more scrutiny and shown that it is mostly not credible for the real world we live in.

 

4). When Corbyn resigns, the new leader will be someone from the centre of the Labour party, who can unite the party. This would not have been possible had a blairite won the leaders contest originally.

 

5) Corbyn may have allowed the Tories to move more towards the left politics wise and therefore it makes it easier for a moderate middle of the road new leader to appeal to more voters.

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Jeremy Corbyn could be useful to Labour for several reasons.

 

1). If you choose a pig as leader, anyone who follows is likely to be seen as a PM in waiting.

LOL

 

 

2). It has increased the number of members and unions opposed to the Blairite new Labour project have rejoined

 

Yes

 

 

3) it has exposed the very left wing politics to more scrutiny and shown that it is mostly not credible for the real world we live in.

 

Yes - inadvertently I'm sure

4). When Corbyn resigns, the new leader will be someone from the centre of the Labour party, who can unite the party. This would not have been possible had a blairite won the leaders contest originally.

 

I dont think he will resign. He will probably need to be forced out causing more damage.

5) Corbyn may have allowed the Tories to move more towards the left politics wise and therefore it makes it easier for a moderate middle of the road new leader to appeal to more voters.

 

Perhaps

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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Corbyn will resign before September 2016, because he will come to realise that he does not have enough support and he is uncomfortable with the invasion into his private life. He is being chased around London on a daily basis by the media and he is not able to live the same life as he did on the backbenches.

We could do with some help from you.

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Corbyn will resign before September 2016, because he will come to realise that he does not have enough support and he is uncomfortable with the invasion into his private life. He is being chased around London on a daily basis by the media and he is not able to live the same life as he did on the backbenches.

 

Good points - you could well be right. I certainly hope so although I see indications of a man who is realising a taste for power.

 

Be the worst thing in a long while for the Tories and their cheerleaders despite the fact they will undoubtedly rave on about it.

 

But who to replace him?

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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Being anti labour and more so anti Corbyn doesn't follow that you are a tory cheerleader.

 

No it doesn't Conniff, Even being a Tory supporter wouldn't necessarily make someone a Tory cheerleader. It takes a special sort.

 

'Bootlicker' was your offensive and wildly inaccurate name calling of me Conniff, but I think it fits the Tory cheerleader type much better.

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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Yes we all borrow and we all end up on sites like this asking for help.

 

There is no similarity between household/personal finances and a national economy.

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

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Good result in the bi-election

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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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Good result in the bi-election

 

Not according to Farage, who showed more of his true colours (LOL)| this morning.

 

aka it was

A fiddled postal vote and so undemocratic that none of the 'ethnic/immigrant' community voted for him

 

:lol:

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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National finances are different because of taxation which can be varied.. Also government revenues include investment earnings. Remember that government own a lot of property and land which is rented out. There is also trading done in terms of currencies etc. The vast majority of households only have employment income.

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Good result in the bi-election

 

Just sheep following one another. Some Labour peoples mentality is "My father voted for them and his father so I will". It matters not that they are crap with crap policies and brought the country to the verge of bankruptcy I just vote for them anyway.

Edited by Conniff
to make my statement clear as someone it obviously too thick to understand what was being said
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Not according to Farage, who showed more of his true colours (LOL)| this morning.

 

aka it was

A fiddled postal vote and so undemocratic that none of the 'ethnic/immigrant' community voted for him

 

:lol:

 

Well I guess that it stands to reason that the ethnic/immigrant community wouldn't vote for him - especially if they are planning on bringing over their families.

 

I have long said there is something iffy with the postal vote and it wont be the first time where it has been proved that some votes have "gone missing".

 

I am also concerned that people will be allowed to vote on the internet - we have seen how easy it is to manipulate.

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There is no similarity between household/personal finances and a national economy.

 

Really ?. Why not ?

 

Maggie for example was the first to always make this comparison

 

I think Margaret Thatcher's position was that one should live within their budget whether you are a family, company or government.

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Really ?. Why not ?

 

Maggie for example was the first to always make this comparison

 

Yeah, she did make that comparison a lot, didn't she? She wasn't a daft woman either, she must have known it was deceptive.

 

Anyhow, Unclebulgaria lists some of the reasons below. There are a couple of other points, though.

 

Firstly, in our national economy, my expenditure is your income, and vice-versa. If everyone cuts spending, everyone (paradoxically, at first glance) gets poorer. This is especially true when the government cuts spending, since in times of recession it is, in effect, the "spender of last resort". There really is no parallel for this in a household budget, and it's fundamental to the way the national economy works. So the time for a government to cut spending is when there's plenty of other money around to pick up the slack.

 

Related to this is the fact that governments (at least, those outside the Eurozone) can create money. Obviously it would be unwise for a government just to create unlimited amounts of cash since this would be inflationary, but it's perfectly legitimate for a government to print money when it's needed, and the limit, roughly, is the productive capacity of the economy as a whole. In the UK at present we have spare capacity available - we know this because unemployment is still high (spare labour) and interest rates are very low (people are trying to save money rather than spend it, that is, spare capital). Again, no parallel for this in a household budget.

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

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Just sheep following one another. My father voted for them and his father so I will. It matters not that they are crap with crap policies and brought the country to the verge of bankruptcy I just vote for them anyway.

 

They are not sheep. You under estimate the people. Thanks for making your views more clear.

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Just sheep following one another. My father voted for them and his father so I will. It matters not that they are crap with crap policies and brought the country to the verge of bankruptcy I just vote for them anyway.

 

I didn't realise your father was a Tory Conniff?

 

Following in your fathers footsteps used to be considered an honorable profession.

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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It would be really interesting to see you guys debating this point in a pub/club :lol:

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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seems everyone is either anti tory or anti labour, be nice to have something different to read about :)

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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