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    • Hi dx yes it was the same one. PM
    • Sunak wants to use a new system to issue sick notes, rather than GPs doing it. He seems to think GPs don't understand their patients. But over the weekend there were articles about stopping the 'sick note culture'. I would have thought this would make it easier. Don't people self-certify for the first few days anyway? Public will be able to use NHS algorithm to sign off sick ARCHIVE.PH archived 21 Apr 2024 19:04:52 UTC Another one. Sunak wants more disabled people to work - and closes the scheme that has been helping them. Hardly contradictory at all. Help for disabled people in England and Wales to get jobs is axed amid benefits crackdown | Disability | The Guardian WWW.THEGUARDIAN.COM Closure of Work and Health Programme comes hard on heels of Rishi Sunak’s bid to end the UK’s supposed ‘sicknote’ culture Still, he's not likely to be around to implement it...
    • Apologies re:unredated docs.i didn’t just not show up at court on the 18th April it was struck out but no explanation,like I said I did call the court but the staff stated they are not legally trained to give a explanation, I have since emailed the court to ask for a reason. is putting a n245 forward accepting I’m in the wrong?  now that the court hearing was struck out what would be the timeframe of them applying for the bankruptcy order and it coming into force. thanks.
    • Good luck today, TD. Please let us know how it goes. HB
    • That is different to my PCN issued by Highview. I am not by any means an expert so I would leave it to the experts to check what I say and maybe delete this if it is not helpful. My thoughts on this are In the PoC they state you are liable as Driver or Keeper. Firstly, I would challenge that .... are they pursuing you as Driver or as Keeper? They don't know who the driver is, as stated on the NTK and, they don't know if you didn't tell them, so I would think that they can not pursue you as the driver. The NTK is not fully compliant with POFA 2012 as LFI stated but specifically, and correct me if I am wrong, Section 9 [2][f] states that:   Section 9 (2) The notice MUST— (f) warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i) the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii) the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid;   All the applicable conditions under this Schedule (Schedule 4) are NOT met, specifically warning the keeper as in (f) .... As far as I can see, the creditor has NOT warned the keeper on the NTK, as they MUST do in accordance with S9 [2](f). So, as far as I can see that prohibits them from having the right to recover from the keeper.   I put it to you M'Lord, given the facts stated, the creditor does not have grounds to pursue the Driver, nor the Keeper!! 😂🤣😂 Maybe that's why you've not heard from the courts, what does it say on MCOL ?
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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.

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Pre-2007 nationwide CC


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I owe Nationwide 6K for a credit card that defaulted last year.

The debt has just been passed to ARC (Europe) Ltd to collect on nationwide’s behalf.

I opened the credit card in 2005

I suspect that Nationwide will not have the credit agreement. I am currently unemployed and likely to stay that way for a while. I have no assets/property/savings. Should I:

1. CCA Nationwide now

2. Stop making payments and wait for letter of claim then CCA nationwide

3. Make token payments for a while in the hope that they sell the debt on and then do 2

4. Something else

Thanks in advance for any help.

OC: Nationwide

DC: ARC (Europe) Ltd

Account opened: 2005

Amount owing: 6k

Default date: Sept 2023

Date of last payment: Jan 2024

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negotiate a token payment its already defaulted so will vanish from your file on the DN's 6th b'day.

then revise.



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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Hi dx,

Thanks for getting back to me about my queries. Why do think making token payments to my nationwide CC is the best approach? 

Also, in general how often do nationwide go for CCJs themselves?

Thanks again

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not seen a nationwide Claimform here since 2010.

as for token payment, although it will run the SB date, once the DN reaches 6yrs your credit file will be clear of harm from this debt.

p'haps once that happens as i said, revisit/revise and poss do a CCA request.

but we ain't got a crystal ball .


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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