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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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Lewt

BT want over £600 to cancel something i've not activated

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Hi all,

 

I signed up with BT Broadband, phone and tele however I've since been offered a deal with Virgin that I think is better. My Bt was due to start on Monday however I didn't get the packages that day as I wasn't in. They are still at the post office.

 

However i phoned them today to cancel and they say as I'm out of the 14 day peace of mind period (which is shorter than the time it took for equipment to arrive) I can only cancel if i give them just short of seven hundred quid.

 

To confirm, I have never activated any service and even if i had then it would only be three days I'd been using it that i could make a decision on.

 

Is there anything i can do or am i stuck with it until next year now?

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Please could you link us to whatever their terms and conditions are regarding cancellation and also the so-called "peace of mind" package.

 

Also, have they complied with the information requirements here https://www.businesscompanion.info/en/quick-guides/off-premises-sales/consumer-contracts-off-premises-sales#Informationrequirements

 

In particular, have they supplied you with the cancellation form?


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I'm guessing this is most likely the 'cooling off period', which is usually 14 days, but the T&C's will outline these.

 

P.S. Virgin Bledia are as bad, if not worse, than BT.


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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Wouldn't the cooling off period start after delivery of the goods?

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Wouldn't the cooling off period start after delivery of the goods?

 

IMO Yes, but their T&C's may say otherwise.


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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My daughter is in dispute with BT over a similar problem . Hers to do with over charging for metered internet .

With the help of the good people here , and CAB inline, it appears the cooling off period starts , not when the equipment is delivered , but when usage starts .

Read in this thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?465626-3-Days-faulty-internet-appaling-customer-service-%A3204-cancellation-charge-welcome-to-BT-broadband&p=4911783#post4911783

 

That is the nub of our dispute , which , at present is in the hands of OFCOM , and has been for nearly 6 months !

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IMO Yes, but their T&C's may say otherwise.

The T&Cs cannot over ride legislation like the CRA 2015.

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The T&Cs cannot over ride legislation like the CRA 2015.

 

Correct, but still need to know what the T&C's say.


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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