Jump to content


  • Tweets

  • Posts

    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2342 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have a default with QQ dated 16/07/2012 it should fall off my file July 2018.

Will it stay on my file after this date if there is still a balance on it or will it be removed regardless.

 

 

Can they add another default at anytime?

Link to post
Share on other sites

Regardless of the state of the account/debt, whether it is paid or not, it will auto drop off your file 6 years after it was

first placed on there.

 

And no it can't be re-added.

Defaults only have a six year shelf life, once they drop off then they are gone for good,

but don't expect them to stop with the demands for payment, even when it is statute barred!

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!

 

 

Link to post
Share on other sites

  • 3 months later...

I have 2 'loans' with QQ. In fact I only have 1.

 

Main loan (rolled over)- 28/03/2012 - 500

Finance charge - 147.5

Late fee - 12

Balance - 659.5

 

Roll over fee - 29/02/2012 - 500

Finance charge - 147.5

Late fee - 12

Balance - 159.5

 

I have since paid £320-330 which has resulted in smallest loan account being closed, and the rest being put towards the biggest loan.

 

I am wondering if QQ are trying to play me and make me pay the finance charge & late fee twice?

 

My credit report has my balance as £499 but I think it should be £340 ish.

 

I have stopped paying the last few months and just received a letter today trying to locate me as I moved house.

 

Should I get back to them ask for a full breakdown? When it was 'sold' to ARC they wouldn't give me one.

 

EDIT: Also which credit report is the best to look at?

I have Noddle (call credit) & now ClearScore (equifax) and both are different.

 

ClearScore has none of my payday loans listed but Noddle does.

 

ClearScore however doesn't show the status of my accounts so it doesn't show defaults.

Edited by debrag15
Link to post
Share on other sites

I sent an email to QQ earlier in reference to the £659.50 loan and they have admitted in a reply the £147.50 is an extension fee.

Therefore I am refusing to acknowledge the smaller loan for £159.50.

 

Unfortunately ARC assigned my payments to the smaller loan first, meaning that loan is now paid off.

They then sent QQ any payments after the fact so £170.50.

 

1) Why didn't ARC sent QQ the money from the start?

2) Why weren't ARC assigning the money to the main loan after the small loan was paid off?

 

Kind of sounds like ARC owned the small loan but QQ owned the main loan. ARC & QQ are probably the same company.

Link to post
Share on other sites

They cannot refuse to send you a breakdown of the debts and should be sending you regular statements.

 

If you have any correspondence from ARC, they should identify at the bottom of the page if they have any link to Quick Quid ?

 

Did you receive a Notice of assignment when the debt was supposedly sold/assigned ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

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

Link to post
Share on other sites

they haven't refused to send me a breakdown. I already have what I posted above from them and today I got information about the 'main' loan.

 

From what it sound they care charging me twice for the rollover fee.

Link to post
Share on other sites

  • 4 weeks later...

I got a breakdown of the main loan via post last week.

 

They are not mentioning the 'rollover' loan and claim only £90 has been received leaving my balance as £499.

 

Main loan = £659.50

Payments = £160 (ARC) + £170 (direct)

Balance = £329.50

 

They have applied £159.50 to the 'rollover' loan which I dispute stating I still owe £499.

 

I have a mind to just start paying them £5 till it falls off my credit report in a few years.

Link to post
Share on other sites

  • 4 weeks later...

Quick Q on your last point debrag15.....

 

Whe you say 'falls off your credit report', what do you mean exactly?

 

I've heard and seen snippets with regards to a company only being able to post to your credit file for 6 years.

 

Is is this in which you refer?

 

I ask as I've had QQ post to my credit file for almost two years now.

 

Will this 'fall off' after the 6 years is up, or 6 years after I settle?

 

Thanks.

Link to post
Share on other sites

Fall off Simply means it will automatically be removed

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • 1 month later...

my account has gone back to QQ, when I log into QQ I have no current loan and no loan history.

 

Should I contact them to inquire as they have sent me a breakdown previously or just say nothing and wait for the post?

 

I've since moved addresses so it could be a while, if ever.

 

I had intended to pay them £5 a month but that's their loss.

 

My default is dated 16/07/2012 and should come off my file August 2018, in under 3 years.

Link to post
Share on other sites

  • 2 months later...
So I got a breakdown of the main loan via post last week. They are not mentioning the 'rollover' loan and claim only £90 has been received leaving my balance as £499.

 

Main loan = £659.50

Payments = £160 (ARC) + £170 (direct)

Balance = £329.50

 

They have applied £159.50 to the 'rollover' loan which I dispute stating I still owe £499. I have a mind to just start paying them £5 till it falls off my credit report in a few years.

 

I did decide to only pay £5 a month to ARC.

 

The first payment went through then I got an email to say they no longer hold the account and it's back with QQ.

 

Went to pay QQ this month and the £5 has been returned from 'qq/p2p'.

 

Spoke to them via live chat and got told ARC still hold it, tried ARC and they don't recognise the ref number anymore.

 

I have emailed QQ to tell them all this.

 

I think I shall continue to pay them £1 a month & if it gets returned no-one can say I didn't try to pay.

 

I keep getting them 'if you don't pay...' emails.

 

The wording never changes.

You'd think they'd have taken me to court by now!

 

It falls off my account July 2018 so not too much longer.

 

Will wait and see what their next move is.

Link to post
Share on other sites

Dont pay another penny until they get their act together. Just keep the money in your bank and once they figure out who owns the debt, then pay them

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • 1 month later...

UPDATE:

 

I just checked my noddle report and I no longer have my 2 defaulted QQ accounts on there, not in the open or closed section.

 

I only have the 3 close none defaulted accounts that fall off Jan 2018.

 

Does this mean they have sold it to someone or that I no longer own them anything?

 

I am still getting the auto 'pay in 60 days' emails which I just ignore.

 

Have I had my loan written off (just read the guardian article),

 

I've had no email about this and they don't have my current bank details or address.

 

Too scare to inform them

Edited by debrag15
Link to post
Share on other sites

  • 1 year later...

I have had a qq loan in the past (2012).

 

I disputed it and since then I've had the '60 day over payment' email going back at least as far as 2015.

 

The default is dates May 2012 so due to fall of my report May 2018.

 

Today I have received via email a 'notice of assignment' from Motormile Finance.

 

Should I ignore it,

remind them that the account is in dispute or send them the prove it letter?

 

I'm getting confused now.

 

27/01/2013 Last email sent saying I was in dispute over the balances and the debt being assigned/sold to ARC. ARC couldn't give me a breakdown referring back to QQ, QQ claiming they didn't hold my account anymore!

 

21/08/2015 Email sent requesting a breakdown as I disputed the balance amounts.

 

12/09/2015 Last email sent/received over the balance dispute

 

24/11/2015 Notice of Payment 60 Days Overdue emails start arriving almost weekly til Dec 2017

 

21/12/2017 Notice of sale email

 

04/01/2018 Notice of assignment email from Motormile

 

It drops of my credit file in 5 months but when would/should it be statue barred?

 

I think I shall get a 'prove it' letter as well as a CCA request letter in the post ASAP

 

If Motormile do own the debt then should the closed defaulted QQ record on my credit file be changed to Motormile but the default date stay the same?

 

29/01/2017 QQ claim my balance is £494

 

05/01/2018 ARC claim my balance is £589 (appears to still be active)

 

04/01/2018 Motormile claim my balance is £489

 

This has been going on for years not sure what the balance should be.

Link to post
Share on other sites

Threads merged under one username.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

id be blocking their emails

who ever told you to email any one regarding debt wants shooting

if you have not written to the OC or anyone that has chased this and ANY of your other debts with your correct address

id be doing so

 

you seriously stand a risk of backdoor CCJ cause you think its smart to hide...

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... 

Link to post
Share on other sites

I'm not quiet sure why you think I am trying to hide.

 

As I said I don't remember the last time I paid them anything. Ignore the following:

 

05/01/2018 ARC claim my balance is £589 (appears to still be active)

 

That was for something else.

 

I'd forgotten about the whole stuff in 2016 about the accounts falling off my report.

 

Both are back but only one is defaulted.

 

It appears it may have been written off then put back on, who knows.

 

I am more than likely going to try and offer a F&F on the £489 anyways

Link to post
Share on other sites

I've had no email about this and they don't have my current bank details or address.

 

Too scare to inform them

 

have you informed in writing QQ or anyone your change of address since moving?

 

if not you stand a big risk of a backdoor CCJ from MMF and that's one of their favourite party tricks.

 

i'd not blindly be paying anyone yet...

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... 

Link to post
Share on other sites

QQ have my address,

I have only been getting emails not letters through the post.

 

MMF could give me a CCJ in it's last 5 months on my report :

 

Surely I need the 'claim before court' letter or whatever it's called before they can do anything.

Link to post
Share on other sites

good

so all MMF are doing is saving money and using a cheap method to harass you.

 

bounce their emails back and block them.

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... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...