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    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
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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.  

      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.

      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.
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      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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Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)


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Rwanda Is apparently the first of many places Government want to send migrants, but if they are going to cost billions collectively, then you wonder whether the money could be better spent. Other countries have the same issue and have larger numbers of migrants to deal with.

Surely it would better for UK and other Governments to collaborate on more effective border controls closer to where the migrants start their journeys. More work done to tackle the people traffickers. Asylum Centres based in safe countries closer to where migrants are escaping from.

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I agree with you, UB. At a cost of a million or more per asylum seeker, it isn't sounding cost-effective.

I think the sticking point in your suggestion could be the collaboration bit. Exceptionalism doesn't make that easy.

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23 hours ago, tobyjugg2 said:

So @theoldrouge

We've seen you ignore calls to condemn racism including extreme antisemitism from the extremist republican right

We've seen you ignore calls to condemn racism from the extremist Tory right including their London mayor candidate

We've seen you support far right candidates long associated with antisemitism as well as other forms of racism

We've seen you ignore calls to condemn racism and violence by the British far right EDL yobs (who are renowned for antisemitism as well as other racism) .. including outrageous EDL violent attempts to desecrate the cenotaph itself .. where no pro peace marchers went.

Even your support of Israeli atrocities seems only based on hate and not actual reasonable defense of Israel.

 

I'm struggling to understand how anyone other than a Racist extremist EDL supporter - with all the antisemitic and racist hate long associated with that group and its ilk - temporarily using the cover of hate of Muslims to stream bile, hate and division could do that?

 

How do you explain that?

So Sunak has finally grown half a pair and is desperately trying to follow Suella’s advice
As he has belatedly discovered the Left are attempting to subvert democracy 
Meanwhile following the result in Rochdale 
Starmer has been exposed and is looking like a frightened rabbit in the headlights 
He has for months proclaimed that he has changed the Labour Party only to discover that the candidate that he chose for Rochdale only lasted 48hours into the campaign before he came out with anti Semitic racial abuse 
Yet again the mob that you clearly support Jugg is to demonstrate in London and elsewhere 
Let us hope with Sunaks apparent backing the police get stuck in instead of acting like stewards 

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Posted (edited)

Saw the announcement of Sunaks speech with rumors it was around extremism affecting guv ..

thought eyup, surely hes not properly sacking anderson, braverman, truss and the other extremist hate mongering nut jobs

 

.. and of course he didn't - just waffled a bit, apparently about his party being a threat to democracy, and went back in

 

So @theoldrouge @TheEDLrouge

going to even condemn the edl/far right who attempted to attack and desecrate the cenotaph yet? or just continue your cowardly avoidence?

let alone condemn the rabid antisemitic far right Pals of Trumpy

 

 

Rwanda - 1.8 million pounds per trafficked human being - the other criminal traffickers must be green with envy at the fees Rwanda are getting from the british taxpayer via the corrupt Tories - the only green coming out of this corrupt cronyistic government.

£1.8 million per individual deportee - offer 1/10th or 1/100th that as an incentive and there would be queues around the block and they would actually leave .. with a smile on their faces.

Why is this guv paying Rwanda 100s million of UK taxpayer money for nothing more than the most expensive racist dog whistle in history?

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 @theEDLrouge hero truss 'mingles' with Nazis promoting her book

LEFTFOOTFORWARD.ORG

Liz Truss made a speech at the far-right conference plugging her new book

 


Sunak says to wife - look at the profits Fujitsu have made for duff software and shafting a few thousand british plebs via a few bullies and lawyers - we should grab some of that - especially in the highly profitable British fossil fuels sector

In 25 years time when some paper does a report, we can just say - we'll give them a bit of money as long as you give us loads more contracts .. then drag it out for decades more ..... win win win

 

WWW.LBC.CO.UK

LBC has exclusively learned that Indian tech giant Infosys, in which Rishi Sunak's wife is a shareholder, received a near-50% increase in public sector...

 

 

https://www.theguardian.com/business/2023/jan/31/infosys-uk-tax-dispute

 

https://www.ice.gov/news/releases/indian-corporation-pays-record-34-million-fine-settle-allegations-systemic-visa-fraud

 

 

 

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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The Tory Legacy

Whats on the UP - taxation, debt and deficit, energy costs, immigration, cronyism, NHS waiting lists and food bank use

Whats on the down - living standards, Growth and Trade, Roads, Hospitals and schools

 

* Taxation at the highest level since WWII

* the national debt (the sum of every annual shortfall) has steadily risen from 64.7% of gross domestic product (GDP) in 2010 to 96.5% currently – the highest level since the 1960s.

* UK goods trade has fallen 15% below the G7 since Brexit

* The UK's trend rate of economic growth has fallen from 3.4% a year in the postwar period up to 1973, to 2.3% up to the 2008 financial crisis, to just 1.2% in the years since. Tory austerity for the masses - riches for the few.

* GDP per capita barely above pre-Covid levels, at just 4% above the mid-2016 level VS 8% in the eurozone and 15% for the US.

* Business investment in the UK economy lags behind the G7

* IPPR thinktank estimates the UK has underinvested to the tune of half a trillion pounds. Most visible in crumbling schools, hospitals and infrastructure, it argues this lack of investment is behind key reasons for lacklustre productivity gains.

 

A legacy of mismanagement and wasteful cronyism

WWW.THEGUARDIAN.COM

From a huge budget deficit to weak GDP and a record rise in tax, we look at the background to the Tory budget

 

 

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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Not a patch a zahawi or sunaks wife or MOST of the conservative MPs and pals eh? is she let alone Sunak himselfs tax avoidance and tax havens - despite Tories and shills claiming otherwise.

.. or Sunaks (Indian) family company getting massive government contracts since he's been at the top - and NOT before.

or the PPE pals who shunted millions of profit from taxpayers into tax havens

A simple misunderstanding re the house she bought and lived in for years before allowing a family member to use it rent free and then simply selling it. .. with nothing hidden or routed via tax havens.

 

Shows a lot that the poops and their shills have to jump on something as simple and basically honest as this while excusing the enormous corruptions of their Tory MPs and Pals eh?

 

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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doesn't matter. Everything hunt promises will either be paid for after the GE, or if they win, munged into unrecognisability to give 'get out of paying loopholes' to their doners and rich pals ..  or just dropped.

No doubts on that whatsoever

 

They are just stripping the final assets of the country for themselves and their pals who will give them well paid seats on the boards for doing nowt more than they've already done for their pals

Corrupt to their core - especially the new 'red wall' tories whos snouts were straight at the trough.

Why has that latest corrupt trough-meister Scott Benson not been arrested rather than just a suspension from parliament

- sounds like fraud, bribery, racketeering and a clear case of abuse of public office to me.

 

 

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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Seems every one is agreeing that your rankings and fake confection are just thatJugg
 

WWW.DAILYMAIL.CO.UK

Just this week we saw the strength of the alliance between the hard-Left and Islamists on full display, with George...

 

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Going by the discussions in this thread, I am guessing there may be a General Election coming up :)

 

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 My prediction is that the General Election will be first week of July.  Mid Summer, with older more Conservative voters more willing to go out and University students on break. So possibly best time of year for current Government.

Some are saying May, because the migration number stats are due to be issued end of May and they are expected to confirm highest net migration on record.

I don't think they will leave it until the Autumn

 

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Schools break up third week in July. But I think the election will be first Thursday in July.

The Tories will want a longer campaign period, because they will want to give plenty of time for Labours plans and candidates to be fully scrutinised by media and public. So it would not surprise me if the election in July was called as early as beginning of May after local elections on 2nd of May.

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Bridgen's estranged wife says he was captured by the anti-vax brigade.

WWW.THETIMES.CO.UK

The opera singer Nevena Bridgen lived a glamorous life attending high-profile events and rubbing shoulders with prime ministers. But then, she says, her...

https://archive.is/RXyRs

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14 hours ago, honeybee13 said:

When though, UB?

Just after the first plane takes off to Rwanda
 

Bill will pass by Easter break 
Sunak will ignore the ECHR 
Election early summer 

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That the edl view? @theEDLrouge.

Gotta be wrong then. Ready to condemn your antisemitic right wing republicans yet?

 

First point, and its a lulu:  🇷🇼 Rwanda have quite clearly stated they will NOT break international law - even if the sunak is happy to try

.. dont need any other points really - although there are many - like the UK still accepting asylum seekers fleeing Rwanda - oops.

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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Posted (edited)
2 hours ago, honeybee13 said:

Bridgen's estranged wife says he was captured by the anti-vax brigade.

WWW.THETIMES.CO.UK

The opera singer Nevena Bridgen lived a glamorous life attending high-profile events and rubbing shoulders with prime ministers. But then, she says, her...

https://archive.is/RXyRs

LOL

sat in a chair with eyes held open being braincell washed (just the one) watching movies about large syringes going into tender places (well he is a complete @***)

- shades of clockwork orange

 

.. although to be fairer than warranted, even he had enough working braincells to quickly see that re-de-form was far to whack-job even for him.

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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Alternatively, A man who does understand  ..

poison of antisemitism and Islamophobia is infecting British politics”

'a concerted and growing attempt by some to degrade and humiliate minorities for political and electoral gain'

 

INEWS.CO.UK

Sadiq Khan alleged that the past few weeks had seen 'a concerted and growing attempt by some to degrade and humiliate minorities for political...

 

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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CofE seeks others to pay for its part in profiting from slavery ..

 

The Church Commissioners have “embraced a target of £1bn”, according to the report ..

with £10m a year from the churches £10B slavery linked fund and the rest from ... 'not the CofE'

 

WWW.THEGUARDIAN.COM

Church plan to seek co-investors for fund comes after advisers said £100m originally earmarked did not reflect scale of ‘moral sin’

 

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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UK Conservatives' support lowest in 46 years in new poll

An Ipsos poll put support for the Conservatives, in power for 14 years, at 20% at the end of February, down seven percentage points in a month, with the opposition Labour Party on 47%.
 
It was the lowest support Ipsos had recorded for the Conservatives since at least 1978, when it began regularly tracking support for the main parties.
The previous low was 22% in 1994, when John Major was Conservative prime minister

 

WWW.REUTERS.COM

 

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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