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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
    • The clock is ticking for savings providers. They now have just a few weeks left to get their act together and start offering loyal customers a good deal.View the full article
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      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.

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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.

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      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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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US elections November 2024 [amended 18/04/24 - HB]


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Trump is looking less and less popular, over Covid and other things.

 

I'm not sure I'd be inspired to vote for someone who thinks the cognitive test he's talking about is too difficult for most people, especially Joe Biden. Is he confusing a congnitive test with an IQ one?

 

https://www.theguardian.com/us-news/2020/jul/23/person-woman-man-camera-tv-trump-insists-cognition-test-was-difficult

Illegitimi non carborundum

 

 

 

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truth is the test he refers too was done in 2018!!

not recently at all.

 

USA has more than a quarter (143k) of the worlds deaths from covid 19 ...but only 4% of the worlds population...go figure ....blokes a prat...

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... 

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So is Johnson

 

So whos pratting around voting for them

 

Bad as clinton was she was no Corbyn, so the yanks haven't even got that excuse.

 

 

 

 

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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I'm wondering how many voters will be turned off by the White House's handling of the George Floyd demos and the Covid crisis.

 

Part of the electorate will stay with Trump whatever, but at the moment he's trailing Biden in Texas which is bad news if it continues.

Illegitimi non carborundum

 

 

 

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All Trump had to do to get re elected was make some empathetic speeches and defer to his scientists.

 

He screwed it up. He’s done , it’s over. 

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Problem is, the American people are dying of Covid and he is out playing golf. It's like Marie Antoinette, let them eat cake!

 

People laugh and snark about Boris but ultimately he had empathy, ultimately he flattened the curve of the disease, ultimately he bailed the population out financially.  Trump did none of those things.

 

4 months ago there was no doubt in my mind that Trump would win, This will be studied by our great grandchildren in history books as to how rapidly things can turn.

 

And before anyone says the polls are wrong, they are at 4 times the margin of error!!! There are 3 months now until the election, Biden is not Hillary Clinton, no mud is sticking. In fact Biden doesn't have to do a thing, just give Trump enough rope and he'll hang himself.

We could do with some help from you.

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21 hours ago, London1971 said:

 

People laugh and snark about Boris but ultimately he had empathy, ultimately he flattened the curve of the disease,

 

 

ultimately he bailed the population out financially.  Trump did none of those things.

 

 

 

 

He flattened the curve of the disease at best half of what he should have

 

and Johnsons gov were avoiding 4 million plus hitting the universal credit system and the immediate collapse of swathes of UK businesses,

yes thats better than Trump, but given the situation and the differences in the UK, his gov would have almost certainly collapsed if he hadn't

 

 

 

 

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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22 hours ago, honeybee13 said:

 Covid press conferences but without the scientists so far. They weren't invited yesterday.

 

Because most are now flatly saying Johnsons policies are not medical advice or medical science rather than simply muttering 'political decision'

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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interesting that Johnson has said there will be rises for the Judiciary, police and doctors

 

Well, the Judiciary have mostly been at home

Getting to actually see a GP, or even getting past 'every symptom is covid - isolate don't come in' has been and is a ferking disgrace

 

 

My other half and daughter in law, both NHS who have both been working right through the pandemic - longer hours and more responsibilities than normal

apparently still aint getting a penny extra.

 

 

 

 

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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, tobyjugg2 said:

 

Because most are now flatly saying Johnsons policies are not medical advice or medical science rather than simply muttering 'political decision'

 

You mean Trump, right?

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Either/or

I was referring to Johnson

but Trump fits equally well there

... Just a matter of degree and what each thinks they can get away with in most areas

 

Like johnson would never get away with 4-9 million extra unemployed and tens of thousands of Tory voting small businesses down the pan

Trump doesn't care - cheap slave labour without using Mexicans

.. Johnson just wishes he could

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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On 23/07/2020 at 14:31, London1971 said:

 

People laugh and snark about Boris but ultimately he had empathy, ultimately he flattened the curve of the disease, ultimately he bailed the population out financially.  Trump did none of those things.

 

 

Yes and at least Johnson has admitted there were mistakes in not locking down sooner, something you couldn't imagine Corbyn doing.

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Surely you mean Johnson makes feeble excuses for the results of terrible personally driven policies and practices and claims it wasn't his fault

... just like Trump and Corbyn have and continue to do

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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I'm reading excuses - and feeble ones

 

"the prime minister has said he took the "right decisions at the right time", based on the advice of scientists."

 

 "We didn't understand [the virus] in the way that we would have liked in the first few weeks and months."

 

" "I think it's fair to say that there are things that we need to learn about how we handled it in the early stages

 

""Maybe there were things we could have done differently, and of course there will be time to understand what exactly we could have done

 

 

Do read what you link

 

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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So show a single clearly defined mistake admitted or apology

 

From refusing PPE and UK PPE being sent to China

Lying about PPE being ordered and coming in from Turkey

Demonstrating Handshakes when there should have been care

18 million people admitted/returned into the UK untested and unchecked

SPADS and ministers P*ing all over lockdown while fining ordinary folk

 

.. theres lots and lots of cretinous decisions for him to pick a clear apology from

.. and not a single one - just like Corbyn and Trump

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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Mr Johnson said: "Maybe there were things we could have done differently, and of course there will be time to understand what exactly we could have done, or done differently."

 

It's nice to see he takes full responsiblity for what the government has done. But I disagree with the time to understand comment, a second wave could be pretty soon.

 

Illegitimi non carborundum

 

 

 

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Yup, Johnson did a poor job, as did Macron, Spain, Italy, just nobody in this country follows any other country aside from the US and Australia.  The Belgian PM is taking, deservedly a lot of flack.

 

But, not one of them, Johnson included can be compared with Trump.  He is on the spectrum of normality, and believe me I don't like Boris one bit.  Trump is like Marie Antoinette, telling the people to eat cake.  The population is dropping like flies, but he is playing golf, tweeting about fake news, boasting about his achievements and some cognitive test a 5 year old could complete.

 

Lets not forget this is the man in control of the worlds largest nuclear aresnal, and has the ability to destroy every major city on earth. All in all it makes the likes of Boris, Macron etc, seem like small fry.

We could do with some help from you.

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14 minutes ago, honeybee13 said:

Mr Johnson said: "Maybe there were things we could have done differently, and of course there will be time to understand what exactly we could have done, or done differently."

 

It's nice to see he takes full responsiblity for what the government has done. But I disagree with the time to understand comment, a second wave could be pretty soon.

 

 

Maybe If he had left out that Maybe ....

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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changes a weak but arguably an actual apology into nothing but an excuse and avoidance at best in my eyes

 

A simple apology with a clearly defined focus is what is needed

 

 

and given how often he does munge and obscure a required apology, quite clearly says to me that no apology was or is intended. Quite the opposite.

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

 

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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