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    • pdf's merged and properly named. thread title updated. word fine replaced by charge in post one....they are not fines mere speculative invoices. just type no need to keep hitting quote.   dx  
    • Nice work dx, much what I thought and glad to have it confirmed by the expert. Radio silence remains my game plan, I have been resident in Scotland since birth and although I had moved a couple of years prior to defaulting, all addresses were updated and I am confident all begging letters are coming to my current home address. I appreciate the info that they probably wouldn't get a claim in by Aug anyway - I think I'll hunt out my big box of badness in the next few days just to see if I can find any default notice letters so I can pin down some dates to satisfy my semi-OCD. Much obliged, and unlike some others i will look to update in the future as I certainly intend to send them the SB letter as I like to pull the chains of these types of cretins! Of course i'll be back to confirm the correct procedure if I get any "proper" legal letters other than the usual Overdales toilet paper type of scare tactic.  
    • statute barring in Scotland is 5yrs from last payment/use date or date of default Notice + 14 days, whichever is the later. dont confuse that with the 6yrs debts show on credit files (DN's 6th bday regardless to payment or not). they'd never get a claim raised by august in 99% of cases . as long all these debts were taken out whilst resident in scotland and you have not moved since taking them out but failed to inform the original creditor before the debt sale....... then stay radio silent until sb date is reached. then if you wish send our scottish sb letter. just remember unlike E&W in scotland debts are extinguished, dead , gone , parrot. once SB'd dx  
    • 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 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.  
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    • 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.  

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

      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
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Government signals commitment to improving bus access for wheelchair users


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Government signals commitment to improving bus access for wheelchair users

 

Government accepts expert legal recommendations aimed at ensuring that wheelchair users can access bus services.

 

New measures to ensure that wheelchair users can safely access on-board wheelchair spaces on buses will be introduced by the government.

 

This follows a Supreme Court judgment last year concerning the ‘reasonable adjustments’ which bus operators should provide for passengers in wheelchairs, and will be aimed at challenging the barriers still faced by some people with disabilities when using bus services.

 

Today (8 March 2018) the Department for Transport announced that it will begin developing proposals to ensure that wheelchair users can access buses and that drivers can fulfil the duties given to them by the courts.

 

READ MORE HERE: https://www.gov.uk/government/news/government-signals-commitment-to-improving-bus-access-for-wheelchair-users

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  • 3 months later...

This is good news. Whilst I've never personally experienced someone who doesn't need it refusing to give up a wheelchair space, I know that it does happen and quite often the bus driver, sometimes under pressure from other passengers to continue the journey as quickly as possible, is apparently unable to do anything about it.

 

My biggest issue is often actually getting on to the bus - the sinking feeling when you see someone else in a wheelchair already queuing and you know there's only one space on this hourly service and the often protracted manoeuvres to get into the space once on the bus, plus the sighs of other passengers at the time involved in the driver putting the ramp out and then putting it away again before he can carry on.

 

However the railways shouldn't feel complacent. Only last week I held the train up for more than 10 minutes whilst station staff attempted to get me on board, involving at least 30 people having to get off the vastly over-crowded service and a lot of luggage being temporarily relocated to the toilet just so I could reach the space, and even then the guard ended up physically lifting the back of my chair into place because there simply wasn't enough room to manoeuvre without removing more passengers and luggage. Of course there was one person who seemed to blame me personally for the inconvenience though most simply blamed 'Chris Failing' to quote the guard.

 

I think everyone in charge of public transport should be made to do at least one journey in a wheelchair just to experience how difficult it can be.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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I do find it strange in our "developed" country how difficult it is to use a wheelchair or mobility scooter on public transport. To use the train at Malaga Airport a ramp automatically comes out and you can drive a mobility scooter straight on or off. The majority of their buses are similar - don't forget the bus driver can see as he approaches if he needs to deploy the ramp and/or its kneeling function. Whilst a lot of the newer vehicles in this country are adapted a lot of the older ones are not. Catching a train here is fraught with difficulty even if you have asked for assistance as you don't always get it and are left to struggle on your own.

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I am extremely reluctant to use any train that is driver only because booked assistance so often fails to turn up.

 

When I had to use London Overground earlier this year, on a train with no guard and going to an unmanned station, I actually researched which was the next station that was manned and where I could (hopefully) get off and demand that they pay my taxi fare back to where I wanted to be. Luckily, it all went smoothly that time but I doubt I'll ever be confident in that situation and it is reflected in which journeys I am prepared to attempt.

 

As for the Underground - never!

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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I am extremely reluctant to use any train that is driver only because booked assistance so often fails to turn up. Worst station - Manchester Piccadilly, best so far Newcastle Central/Edinburgh Waverley/Kings Cross

 

When I had to use London Overground earlier this year, on a train with no guard and going to an unmanned station, I actually researched which was the next station that was manned and where I could (hopefully) get off and demand that they pay my taxi fare back to where I wanted to be. Luckily, it all went smoothly that time but I doubt I'll ever be confident in that situation and it is reflected in which journeys I am prepared to attempt.

 

As for the Underground - never!

 

 

For London always used black cabs. Must point out it wasn't me that needed the help it was my other half.

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