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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
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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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Yes they're still trading. I got a letter from Gold yesterday asking me to pay EOS in full immediately or they will commence court procedings against me (they didn't state may). Oh well another letter for the harassment counterclaim file. After all I only sent EOS a CCA request at the beginning of April which they have still not responded to.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I sent EOS a CCA in March and I havent received mine either, at first they said they didnt have it and said they had ceased action and then they set Golds on me. I wonder when they'll make a reappearance?

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I sent EOS a CCA in March and I havent received mine either, at first they said they didnt have it and said they had ceased action and then they set Golds on me. I wonder when they'll make a reappearance?

They failed to respond to your request so in theory should not have passed this disputed debt on

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I would agree with penny, it seems to depend on what underwear they turn up in who they work for.

 

Try not to make any obscene comments ODC ;) You will be edited.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 3 months later...

No-one has any problem negotiating with a DCA provided the DCA has proof in the form of an Executed CCA agreement that the debt actually exists and they have the legal right to collect it. Its called THE LAW. As for your assumptions that someone who does not or cannot pay their alleged debts is a thief i would suggest you have a read of the Theft Act and The Fraud Act. There is obviously no point in trying to explain Mens Rea and Actus Rea to you.

  • Haha 1

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i do not understand why you guys all hate these people so much???:confused:

they are just normal people doing their jobs like everyone else, and as for golds solicitors they are actually solicitors they are all leagally trained i have looked this up, i mean i actually know someone who had many assets taken from her home by this company and sold at public auction to raise the balance!!!:eek:

so at the end of the day we shouldnt be getting ourselves in this situation in the first place, at the end of the day we cant expect to borrow money and not pay it back!!

thats stealing and as i said these people are only doing their job and are in every right to enforce these payments and people like us shouldnt be trying to wriggle out of it we should be facing up to it!!

we put ourselves into this time to grow up and get ourselves out!:)

i spoke to a girl in their office and she was absolutely lovely and very understanding!

so at the end of the day if you are honest they appreciate it and help you!:)

but if you lie they are in their rights to catch you out!

so dont be frightened of these people:)

 

 

In a perfect world no one would need to be here.

Everything would be rosy and we could all live hapilly ever after.

Normal people are hard to find...if there is such a thing these days.

Theres nothing normal about people being hassled into paying something they have been levied with through no fault of their own...especially by people claiming over the top amounts for debts they bought for 20% of its value.

It is greed it is manipulation and it is morally wrong.

Of course I am speaking of those who have legitimate issues and suffer wrongly at the hands of these people.

Yes there can be no defence for those who seek to play the system and take money that they dont intend to pay.

At the same time we should look at those who seek to caspitalise on the poorer members by targeting them with loans and services that they know all too well will be difficult for them to manage later.

Who is more guilty here?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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It is called irresponsible lending. And the you know what is hitting the fan for the companies who prey on vulnerable people. If someone had borrowed £1000 from you and was paying you back at £25 a month while you were charging them £20 a month in interest, but because they were paying you by direct debit you decide they are a good credit risk :confused: and keep lending them more money - then who is the fool?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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i do not understand why you guys all hate these people so much??? READ THE THREADS

they are just normal people doing their jobs like everyone else, and as for golds solicitors they are actually solicitors they are all leagally trained i have looked this up, Where did you look this up??? The Dandy or the Beanoi mean i actually know someone who had many assets taken from her home by this company and sold at public auction to raise the balance!!!:eek: Obviously not a member of CAG

so at the end of the day we shouldnt be getting ourselves in this situation in the first place, at the end of the day we cant expect to borrow money and not pay it back!!No-one on here borrows money without INTENDING to pay it back, theat would be a criminal offence and as you know CAG does not condone debt avoidance

thats stealing What legislation did you get this from?????:confused: :confused: and as i said these people are only doing their job and are in every right to enforce these payments and people like us shouldnt be trying to wriggle out of it we should be facing up to it!!No problem just get your employers to comply with the law then.

we put ourselves into this time to grow up and get ourselves out!

i spoke to a girl in their office and she was absolutely lovely and very understanding!Must have been a new start then

so at the end of the day if you are honest they appreciate it and help you!:) Yes they are so very understanding demanding you pay them thousands of pounds within 48 hrs

but if you lie they are in their rights to catch you out!What about their lies when WE catch them out

so dont be frightened of these people

Members of CAG ar NOT frightened of these people, but THEY are frightened of people who know their rights:p

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