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    • 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.  
    • I'm at work now but promise to look in later. Can you confirm how you paid the first invoice?  It wasn't your fault if the signal was so poor and there was no alternative way to pay.  There must be a chance of reversing the charge with your bank.  There are no guarantees but Kev  https://find-and-update.company-information.service.gov.uk/company/09766749/officers  has never had the backbone to do court so far.  Not even in one case,  
    • OK  so you may not have outed yourself if you said "we". No matter either way you paid. Snotty letter I am surprised that they were so quick off the mark threatening Court. They usually take months to go that far. No doubt that as you paid the first one they decided to strike quickly and scare you into paying. Dear Chuckleheads  aka Alliance,  I am replying to your LOCs You may have caught me the first time but that is  the end. What a nasty organisation you are. You do realise that you now have now no reason to continue to pursue me after reading my appeal since you know that my car was not cloned. Any further pursuit will end up with a complaint to the ICO that you are breaching my GDPR.  Please confirm that you have removed my details from your records. ------------------------------------------------------------------------------------------------------------------------------------------------------------ I haven't gone for a snotty letter this time as they know that you paid for your car in another car park. So using a shot across their bows .  If it doesn't deter them and they send in the debt collectors or the Court you will then be able to get more money back from them for  breachi.ng your data protection than they will get should they win in Court-and they have no chance of that as you have paid. So go in with guns blazing and they might see sense.  Although never underestimate how stupid they are. Or greedy.
    • Thank you. Such a good point. They did issue all 3 before I paid though. I only paid one because I didn’t have proof of parking that time, only for two others.  Unfortunately no proof of my appeal as it was just submitted through a form on their website and no copy was sent to me. I only have the reply. I believe I just put something like “we made the honest mistake of using the incorrect parking area on the app” and that’s it. Thanks again for your help. 
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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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    • 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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Boris Johnson, former Prime Minister


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Freeports are supposed to be up and running by the end of this year. But companies who might set up in the freeports and their advisers don't know the exact tax rules or where most of the freeports will be...

 

WWW.CITYAM.COM

Tax experts have warned that the opening of England's eight new freeports would likely be delayed because the government had...

 

Illegitimi non carborundum

 

 

 

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Trainspotting people who cant dance

 

 

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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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Quote of the day regarding arch Brexiter Tim Martins withered-poons beer and staff shortages

 

"Blimey, at this rate even Tim Martin's going to admit Tory Brexit's screwed up the country before Keir Starmer does."

- Daniel Grigg on twitter

 

Tim Martin apparently wants special visas for EU bottle washers and bar staff .... and EU lorry drivers, and EU students ... without whom his business seems to be failing ...

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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As if he hasn't done enough damage already, Demonic Cummings is writing in his [paywalled] blog about organising a political movement with the help of Silicon Valley billionaires.

 

This movement is to find a Republican candidate who can be chosen in preference to Trump and beat Biden in 2024. He says that it's possible for a small team, like the one he had in the UK, is able to take over a government.

 

He wants this person, if elected, to close down the Pentagon and replace it with 'ABC' and get rid of a lot of federal government. Unsuprisingly, he has no ideas of what to replace them with.

Illegitimi non carborundum

 

 

 

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Boris does not look very well.

 

I thought recently he might have to stand down soon and be replaced.

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Who would the Tory party accept as leader  ?

 

I think it would be a run off between Gove and Rishi Sunak.

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Johnson wants to increase NI contributions to help pay for social care and the NHS. Gordon Brown added 1% to NI in April 2002, to raise £6bn for the NHS.

 

A lot of people don't agree with this and think it would be fairer to increase taxes so that retired people, who are more likely to benefit from this, also pay. An NI hike is going to affect younger people disproportionately.

 

WWW.THEGUARDIAN.COM

Growing backlash from cabinet ministers and MPs after leaks about plan for...

 

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Illegitimi non carborundum

 

 

 

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On 03/09/2021 at 06:44, honeybee13 said:

Freeports are supposed to be up and running by the end of this year. But companies who might set up in the freeports and their advisers don't know the exact tax rules or where most of the freeports will be...

 

WWW.CITYAM.COM

Tax experts have warned that the opening of England's eight new freeports would likely be delayed because the government had...

 

 

The populists cant even sort out basic customs for 'sovereign' UK ports

and why bother with 'freeports' when the normal ones are in chaos and leak like a sieve

 

and all they need(ed) to do is actually have basic customs processes and labelling in place like any 'sovereign' nation

.. or simply agree not to fall back from existing standards with the EU - and in doing so do FAARRR less damage to UK business

 

It aint difficult, any half way competent developed nation could do it in far less than 5 years ...

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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You don't read of any progress being made, do you? There are lorry parks in Kent, but have they hired border guards or built customs posts, etc?

 

I know the chief exec of Portsmouth port was complaining that they'd been given a fraction of the money they were promised to get ready for the new arrangements.

 

I wonder how long the EU will live with constant extensions of the time limit when nothing seems to be happening.

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Illegitimi non carborundum

 

 

 

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The Uk isnt applying rules (that they haven't implemented) to the EU are they - apart from hostile environment ... bacause 'hostile environment' is all they have implemented

... likely hoped that the EU would reciprocate allowing the UK cake and eat it by the back door

- but the EU did the work defined by the UK requirements of 'UK sovereignty from standards' even if the UK didn't

 

There seems to be hardly a week go by without the populists piling even more shame on our Nation.

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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Share on other sites

Income tax increase to pay towards care costs is fairer, provided some of this money is reserved, so it can used later on. 

 

Government should look at how to provide lower cost care. When a care home room costs £40000 per year average and staff are on minimum wage, there is someone making money from this. Should never let investment companies buy care home chains, as they are more interested in profit than care.

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I agree about income tax being a fairer way to raise the money. Pensioners on low incomes aren't paying any anyway.

 

Agreed about venture capitalists as well. They could be the next to find they don't have enough staff. I read earlier that carers are leaving to go and work for Amazon and the like for more money. I think they're very undervalued. 

Illegitimi non carborundum

 

 

 

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23 hours ago, honeybee13 said:

As if he hasn't done enough damage already, Demonic Cummings is writing in his [paywalled] blog about organising a political movement with the help of Silicon Valley billionaires.

 

 

This lifts the curtain slightly on the two main sets of players

 

Right wing capitalists - who seem to largely fund Johnson and (Murdock is a player in this IMO but there are far worse in the US - but Murdock revs up the noisy minorities)

Russia (who largely manage this as war) - who seem to be the ones spreading disinformation and support which helps Johnson, but who were more focused on Trump/US and Farage/european theatres

 

Then theres China ... and Turkey as the significant bit player.

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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Share on other sites

Demonic has spoken to Steve Bannon in the past, hasn't he? I can see his influence in the wrecking concept.

 

Bannon was supported by the mega-rich pro-Brexit Mercers for a while, they've been linked with Trump, Farage and Cambridge Analytica.

 

WWW.THEGUARDIAN.COM

Robert Mercer, who bankrolled Donald Trump, played key role with ‘sinister’ advice on using Facebook data

 

Illegitimi non carborundum

 

 

 

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Johnson is a dead man walking like Biden, seen the dark circles around his eyes?

We could do with some help from you.

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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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Lord Frost is suggesting that the EU could affect relations with the UK if it doesn't do a substantial renegotiation of the NIP.

 

A comment I saw said that Frost is likely to do this on his own.

 

WWW.THEGUARDIAN.COM

Minister says government will not ‘sweep away’ NI Brexit protocol, but renews demands for major changes

 

Illegitimi non carborundum

 

 

 

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Lord Frost is obviously talking nonsense.  EU does not need the UK, but the UK really needs the EU. 

 

As a small island that still relies on financial services too much, UK can't start picking fights.  UK has trade negotiations going on and trust is very important.

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We could do with some help from you.

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Quote of the day:

"England has become a country where the pubs have no beer, farmers don't have anyone to pick their fruit, & even if they did there aren't enough lorry drivers to get it to the shops."

- Ian King - Sky news

 

 

Edited by tobyjugg2
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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

Link to post
Share on other sites

Jonty Bloom has an article on the problems with the supply chain.

 

“The government has done little or nothing since the Brexit referendum to prepare for potential staff shortages.. It wasted 5 years.. seemingly terrified of admitting that Brexit is causing any problems at all, (it) is silent.”

 

WWW.THENEWEUROPEAN.CO.UK

The UK’s supply chains face more problems every day. So why the denial over what helped cause this, and where is the strategy that will resolve it?

 

 

Illegitimi non carborundum

 

 

 

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Problem with labour shortages and training, is that central Government bark out orders from Westminster, as if they can solve long term issues simply by willing results to be achieved.

 

In regard to HGV driving courses, for unemployed or those on very low income, there have always been free or reduced rate courses available. But you need to have training capacity from many different providers in each area of the country. This takes time to arrange and requires a significant level of investment. 

 

So yes had Government injected billions in training schemes 5 years ago, we would not be having these issues. And also they should have looked to retain more foreign workers.

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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 OTHERS

 

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