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    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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The problem is, there are arguments on both sides.  Referendum was a binary question, it shouldn't have been?Leave won ,arguably democratic.  You and I think the referendum was a stupid idea, distorted by lies, but nevertheless it involved a democratic choice.  That's me playing devils advocate.

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Fwiw, I think the referendum was called for the wrong reasons, a lot of them to do with Cameron being worried about UKIP, and that the question was badly worded. For instance, it didn't ask about leaving with no deal.

 

Cameron, aka Captain Hindsight, assumed a Yes vote was a forgone conclusion and didn't bother to give much energy to the campaign. Nor did Osborne or May.

 

The Leave campaign had all the catchy slogans although quite a few of them have turned out to be economical with the truth.

Illegitimi non carborundum

 

 

 

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Correct but there is a strong argument that it is democratic.  And if the boot was on the other foot, and remain had won the referendum, we would be outraged if Parliament was trying to thwart it.  So both sides can throw accusations of being undemocratic around, and both are correct.

 

 

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Let me play devils advocate to Londons devils advocating

 

 

Lets say Aldi beans are 23p a tin

 

I say come to my shop, an easy 10 paces walk around the corner and I'll sell you beans at 15p a tin (a democratic choice?)

 

You get to my shop and I say the beans are 38p a tin - but you've got to buy them

you had your choice and made it

 

?

 

 

 

How many people would pay?

 

... Let alone if you get around the corner and its the slip road to the m1 and the shop is 200 miles up the M1 ...

 

 

 

We are becoming far to comfortable and accepting of Government lying to us and then telling us thats the way it is.

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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Oh and I dont just mean Johnson and Vote Leave, they are just the latest worst incarnation.

 

The thing to really be concerned about is if they get away with it

- thats the new normal ...  until it follows its natural path and quickly gets even worse.

Edited by tobyjugg2

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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1 hour ago, London1971 said:

Correct but there is a strong argument that it is democratic.  And if the boot was on the other foot, and remain had won the referendum, we would be outraged if Parliament was trying to thwart it.  So both sides can throw accusations of being undemocratic around, and both are correct.

 

 

Where is the strength in an argument that the referendum was democratic? It was as undemocratic as the stunt that Johnson has just pulled as it is designed to exclude Parliament from the decision making process.

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3 hours ago, honeybee13 said:

So it's the end of democracy then?

In as much as we accept an individual in a position of power can choose to bypass Parliament I think it is.  When it's an individual who was put in that position of power by their own followers only rather than the country it starts to look more like a coup than demcracy.

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How true

 

 

This is not new, but worth a watch

Brexit: Endgame - The $20T Secret, with Stephen Fry

 

 

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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4 hours ago, honeybee13 said:

So it's the end of democracy then?

I am not sure we have ever lived in a democracy- well certainly not in my voting lifetime. Once upon a time, not so many years ago, university graduates had two votes whereas others only had one. Now we get professional politicians who only want to do what is right for them- Johnson is a case in point, his switch to leave on the eve of the vote was a calculated decision with the aim of getting him where he is now- at the head of a deeply unpopular government that is only in power because the leader of the opposition hasn't understood he needs to play the game- oh and politically I support a lot of what Corbyn wants, re nationalisation of the railways and utilities and more public ownership.

 

 

By the way- living in Birmingham it is clear that not only will Brexit be a disaster but should they scrap HS2 the city will be on its knees

Any opinion I give is from personal experience .

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The petition to prevent dissolution of parliament (how appropriate a term) is well past a million and rising

 

https://petition.parliament.uk/petitions/269157

 

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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"Parliament must not be prorogued or dissolved unless and until the Article 50 period has been sufficiently extended or the UK's intention to withdraw from the EU has been cancelled."

 

Can't see that having any effect, potentially annoying the Leave voters who didn't want this mess, but then to a Remainer, any form of leave even EEA/EFTA is anathema so verboten.  Neither side comes out of this with any Brownie points. 

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15 hours ago, cjcregg said:

Where is the strength in an argument that the referendum was democratic? It was as undemocratic as the stunt that Johnson has just pulled as it is designed to exclude Parliament from the decision making process.

 

I am just trying to see this from the other side,

 

There are zero benefits to a No Deal Brexit.

 

I am a Remainer but would have been OK with May's deal going through.  It's also interesting reading , this.  Respectable Poll from a respectable source.  Suspending parliament isn't popular, even with leavers.

 

https://uk.reuters.com/article/uk-britain-eu-poll/few-britons-back-month-long-parliament-break-before-brexit-yougov-idUKKCN1VI1TZ

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3 hours ago, brassnecked said:

 but then to a Remainer, any form of leave even EEA/EFTA is anathema so verboten.

 

No so

 

The better than our existing deal cake and eat it all the benefits none of the costs, extra deals across the world ready to go before we leave, all without affecting our single market access and with no negative effects on our access or workers and environmental rights

 

... as sold by the Leave campaign

 

Would have done very nicely thank you

 

 

But some deal much worse than our existing deal, nowt sorted, worker, food and environmental rights out the window, collapsed currency, businesses and investment leaving the country  and slavery to whoever the Yanks might vote in ...

 

No thanks.

 

 

 

 

 

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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27 minutes ago, king12345 said:

In the mean time Germany is fearing a deep recession triggered by their healthy motor industry collapsing in the event of import tax imposed to the UK post Brexit.

 

ROFL

 

Whys that

Someone think that financiers and politicians won't be able to afford BMW's any more?

 

They will have little choice but BMW's (or JCB's) given the collapse of the UK's motor industry.

 

Raleigh shares might be a good buy though as ordinary people wont be able to afford cars at all...

 

.. now who owns Raleigh .....

Edited by tobyjugg2

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

Link to post
Share on other sites

It is going to be an interesting few days. Will BJ be defeated and if he is will he then be able to get the majority needed for an election? 

 

If Labour have any sense they will stop a no deal but let Boris go on after 31st Oct so an extension is in place. Next move would be a deal with the Lib Dems to form a coalition at a GE 

Any opinion I give is from personal experience .

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The MPs seem to forget that No Deal is the default scenario if no agreement ratified by the end of the negotiation period, that has been extended, without a further extension we are out.  Parliament cannot ban No Deal per se, EU Law is superior to UK law now, so Parliament have messed up.

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That isn't going to happen if Johnson and the Beadle's lot are still in charge.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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2 hours ago, fletch70 said:

It is going to be an interesting few days. Will BJ be defeated and if he is will he then be able to get the majority needed for an election? 

 

If Labour have any sense they will stop a no deal but let Boris go on after 31st Oct so an extension is in place. Next move would be a deal with the Lib Dems to form a coalition at a GE 

 

I disagree

 

Johnson and his cronies will do anything and everything to throw spanners in the works.

 

As BN says, revoke is not going to happen - without a referendum

We need an extension to get to that point

and we need Johnson gone.

 

Even Corbyn for a spell is looking the lessor of 2 evils - via a coalition with the libdems.

 

 

Strangely the Tory remainers are mostly trying to save the Tory Party if you look closely.

Real Tories are in a real quandary, and a brief Corbyn coalition could do it as long as the Labour Party don't let corbyn carry on with his spoiling tactics..

If Corbyn carries on with his crap then its likely we will be quickly back in the mire.

 

 

addendum

I deliberately left out the SNP

Edited by tobyjugg2

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

Link to post
Share on other sites

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