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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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What can we do about Fuel Prices?


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cracking post, damn am getting old, I still do all that cally said, I need help, anyone reccomend a good shrink?

 

 

How funny, was just reading this out loud to hubby, bit off topic I know, but funny and true all the same...

vid.gifvid.gifvid.gifI Should Never Have Survived!

According to today's regulators and bureaucrats, those of us who were kids in the 60's, 70's and early 80's probably shouldn't have survived,

 

because our baby cots were covered with brightly coloured lead-based

paint which was promptly chewed and licked.

 

We had no childproof lids on medicine bottles, or latches on doors or

cabinets and it was fine to play with pans.

 

When we rode our bikes, we wore no helmets, just flip-flops and fluorescent 'spokey dokey's' on our wheels.

 

As children, we would ride in cars with no seat belts or airbags riding in the passenger seat was a treat.

 

We drank water from the garden hose and not from a bottle and it tasted the same.

 

We ate chips, bread and butter pudding and drank fizzy juice with sugar in it, but we were never overweight because we were always outside playing.

 

We shared one drink with four friends, from one bottle or can and no-one actually died from this.

 

We would spend hours building go-carts out of scraps and then went top speed down the hill, only to find out we forgot the brakes.

 

After running into stinging nettles a few times, we learned to solve the problem.

 

We would leave home in the morning and could play all day, as long as we were back before it got dark. No one was able to reach us and no one minded.

 

We did not have Play stations or X-Boxes, no video games at all.

 

No 99 channels on TV, no videotape movies, no surround sound, no mobile phones, no personal computers, no DVDs, no Internet chat rooms.

 

We had friends - we went outside and found them.

 

We played elastics and rounders, and sometimes that ball really hurt!

 

We fell out of trees, got cut, and broke bones but there were no law suits.

 

We had full on fist fights but no prosecution followed from other parents.

 

We played chap-the-door-run-away and were actually afraid of the owners catching us.

 

We walked to friends' homes.

 

We also, believe it or not, WALKED to school; we didn't rely on mummy or daddy to drive us to school, which was just round the corner.

 

We made up games with sticks and tennis balls.

 

We rode bikes in packs of 7 and wore our coats by only the hood.

 

The idea of a parent bailing us out if we broke a law was unheard of...They actually sided with the law.

 

This generation has produced some of the best risk-takers and problem solvers and inventors, ever.

 

The past 50 years have been an explosion of innovation and new ideas.

 

We had freedom, failure, success and responsibility, and we learned how to deal with it all.

 

And you're one of them. Congratulations!

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What I find scary about callyday's post though is that, yes I did virtually everything on that list and am still here, still (relatively) sane, in my mid 30s with a family.

There is no doubt about it, things WERE better when I was growing up, so what the hell kind of chaotic mess are our grandchildren going to live in? People will probably be sued for expelling dietary byproduct methane into the atmosphere and should you be caught for the heinous offence of picking your nose (in the privacy of your own eco friendly, carbon negative tent) then you will probably be exiled to the federal penal colony (Belgium) for exposing the population to an uncontrolled risk of pandemic flu.

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Well, fortunately for me naughtyemit, i don't have time to fart or pick my nose, as I am sure anyone with children will agree. So, we are safe!!! :lol:

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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If you own a diesel car, it can easily be converted to run off vegetble oil. It gives out no nasty emissions and is free: get hotels, restaurants etc to give you their used oil. It may take a little more effort than standing at a fuel pump, but it is so worth it financially and environmentally. Technically, you still need to pay fuel duty on it, but @ 27.5p per litre is still much cheaper.

 

Those hippy roots of mine are once more resurfacing!:D

 

Spotnot

Get away spotnot:lol:

See, this is what annoys me about this counry, has the duty not already been paid for by the hotels and retaurants?

I earn a living, pay tax etc, try to save some, pay tax, buy something, pay tax, it's amazing I have any money left!

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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Get away spotnot:lol:

See, this is what annoys me about this counry, has the duty not already been paid for by the hotels and retaurants?

I earn a living, pay tax etc, try to save some, pay tax, buy something, pay tax, it's amazing I have any money left!

 

Why would the restaurant pay fuel duty on Vegetable Oil? They're using it for cooking, not fuel! If you use it as fuel, YOU are liable for the fuel duty.

 

However, CURRENTLY, one has to be licenced to sell fuel oil of ANY description, and one must charge the fuel duty at point of sale. If something is sold to you for use as fuel oil by a non-licenced seller, they are breaking the Law and are liable to prosecution. You are also liable to prosecution for using fuel obtained illegally. So - declare it to the taxman and pay the duty by all means... but realise that you'll likely also have to pay the fine for using it in the first place!!

 

Personally I would prefer to use either diesel from the forecourt or find a licenced source of biodiesel or other substitute...

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Why would the restaurant pay fuel duty on Vegetable Oil? They're using it for cooking, not fuel! If you use it as fuel, YOU are liable for the fuel duty.

 

However, CURRENTLY, one has to be licenced to sell fuel oil of ANY description, and one must charge the fuel duty at point of sale. If something is sold to you for use as fuel oil by a non-licenced seller, they are breaking the Law and are liable to prosecution. You are also liable to prosecution for using fuel obtained illegally. So - declare it to the taxman and pay the duty by all means... but realise that you'll likely also have to pay the fine for using it in the first place!!

 

Personally I would prefer to use either diesel from the forecourt or find a licenced source of biodiesel or other substitute...

That would be wise :lol:

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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Why would the restaurant pay fuel duty on Vegetable Oil? They're using it for cooking, not fuel! If you use it as fuel, YOU are liable for the fuel duty.

 

However, CURRENTLY, one has to be licenced to sell fuel oil of ANY description, and one must charge the fuel duty at point of sale. If something is sold to you for use as fuel oil by a non-licenced seller, they are breaking the Law and are liable to prosecution. You are also liable to prosecution for using fuel obtained illegally. So - declare it to the taxman and pay the duty by all means... but realise that you'll likely also have to pay the fine for using it in the first place!!

 

Personally I would prefer to use either diesel from the forecourt or find a licenced source of biodiesel or other substitute...

 

 

Sorry, need to disagree with this. The places that supply me the oil don't sell it, they give it away. Secondly its not sold as fuel, cos certain additives are added to make it run cleaner.

 

I have done this for many, many years. More years than I care to mention. I have researched this many times. There is a program on BBC2 (How to live more green, or something similar), bloke has big moustache. Anyway, they showed you how to convert the oil into fuel. Surely, if it was illegal, then the BBC would be in serious trouble.

 

If anyone is interested in this, have a look at this website

 

RUN a DIESEL CAR on VEGETABLE OIL

 

It isn't illegal to use vegetable oil as an alternative fuel source. Never has and never will be. Oh and apologies, its now 28.35p per litre in fuel tax.

The only illegal bit is not paying the duty, which I always do.:D

  • Haha 1

Spotnot v MBNA and their nasty solicitors (on behalf of my friend)

 

If I have helped in any way, click my scales.

 

Remember, we were all newbies once!!

 

When you win, donate!!!

 

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Do you really run your car on oil from the supermarket, and it doesn't damage it at all? Of course I would try it if it worked and didn't damage my engine, lol, anything to get one over on the tax man! He he, but I wouldn't do it regular of course ;)

:DABBEY-WON! £1,359.34

:confused:CAPITAL ONE WON £1,523.27+£39court fees.

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No, my oil comes from restaurants, but SVO (straight vegetable oil) can be used just as easily. Remember Diesel engines were first designed to run on Peanut oil!!

Spotnot v MBNA and their nasty solicitors (on behalf of my friend)

 

If I have helped in any way, click my scales.

 

Remember, we were all newbies once!!

 

When you win, donate!!!

 

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  • 8 months later...

Oil is becoming a scarcer resource and whilst I expect that more of it will be found, it is now also in greater and greater demand and will continue to be as china and india grow. Why waste your time trying to force the price down as economics suggests that that would only make the problem worse, surely?

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  • 2 months later...

Please support the fuel protest in Dover 3rd 4th 5th of May in the campaign section. If you can come along please register your support.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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if only the bus went to where i was working.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Wish i could walk that far you've no idea how much i do.

Ive a bad back and cant walk.

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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