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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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obvious v itcsales.co.uk *** I WON ***


obvious
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Well thanks for that. Bit of a shock :O

 

I wont go into a detailed reply but I cant help wondering why the Defence Lawyer doesn't seem to feel that the overriding 'no costs rule' (Rule 27) applies as this has been allocated to the Small Claims track? Is he implying a 'vexatious defence'...if such a thing exists?

 

Tboner, you seem to be taking an unusual interest in this case. The forum you "use all the time" I'm assuming is http://forums.hexus.net/member.php?u=13460 where you've made a total of two posts, both of which were in the ITC thread. Curioser and curioser. Your defence lawyer can't spell either.

 

The phrase "See you on the 5th October" springs to mind :D

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His tame 'lawyer' shares the same spelling and sentence structure. There are quite a few examples eg the 'lawyer' is quoted as saying

I am afraid the information provided By Peter ( Tboner) from both this forum and another confirms all of this in detail.
while Tboner refers to himself as
Tboner ( Peter )
..note the spacing and parentheses used. Coincidence?

 

Also the 'lawyer' seems to believe in something called "General Pursuant costs" which strangely don't get any hits on google

 

Perhaps he got his law degree out of a cracker? (Sorry, couldn't help myself)

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I think that both TBoner and Obvious are basically putting their cases at real risk of failure by discussing the points of Law so clearly here. I think the wiser course would be to keep your counsel as far as the finer points of your case are concerned, and wait until the court date...

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I think that both TBoner and Obvious are basically putting their cases at real risk of failure by discussing the points of Law so clearly here. I think the wiser course would be to keep your counsel as far as the finer points of your case are concerned, and wait until the court date...

 

Thanks :) On the one hand I dont see why the facts should hurt me but that's probably naive.

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Hello

 

I thought this was a discussion forum ? Oh well "obviously not"

 

I type up a telephone conversation with Peter and get slated, the original interest was from the other forum not 1 because i had purchased from them and had no problems at all? and spent 5 years working at the Consumer advice bureau so i thought it was a little odd.

 

I will ask Peter next week about rule 27 as that is beyond my full understanding and see what he has to say and try to post next weekend. Still the question remains on your reply do you still have the unusable goods that you claimed your chargeback on ? Which is what the whole case is about surely ?

 

Regards and best intentions

 

Tboner

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Unless one of the above posters is actually ITC, then we are of course getting one side of the story. If your side (obvious) is a fair reflection of the case without undue bias, then I personally think that the prelim hearing will be of great concern to ITC.

 

I do not consider that your partial chargeback has resulted in goods 'not paid for in full' (post 19) and I'm certain the Judge will see the same too. Any reference to you making the most of the goods obtained is irrelevant and forms no part of the case in question.

 

I also think that ITC may have been hasty in starting legal proceedings. For that very reason, we here suggest 2 letters each of 14 days to try to reach settlement before starting action - this is 28 days min of course - and the court would normally look to a calendar month as a reasonable amount of time.

 

The fact that the dispute may have lasted longer is not the issue.

 

When is your prelim hearing?

..

.

 

Opinions given herein are made informally by myself 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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Unless one of the above posters is actually ITC, then we are of course getting one side of the story. If your side (obvious) is a fair reflection of the case without undue bias, then I personally think that the prelim hearing will be of great concern to ITC.

 

I do not consider that your partial chargeback has resulted in goods 'not paid for in full' (post 19) and I'm certain the Judge will see the same too. Any reference to you making the most of the goods obtained is irrelevant and forms no part of the case in question.

 

I also think that ITC may have been hasty in starting legal proceedings. For that very reason, we here suggest 2 letters each of 14 days to try to reach settlement before starting action - this is 28 days min of course - and the court would normally look to a calendar month as a reasonable amount of time.

 

The fact that the dispute may have lasted longer is not the issue.

 

When is your prelim hearing?

Thanks jonni2bad. The prelim is on October 5th.

 

I'll take a little more care when posting details so please forgive me if I dont answer all questions fully from now on.

 

Tboner, if you are an ITC representative (and that's by no means certain) then it's pretty underhand to be posting here incognito solely with the purpose of wrong-footing me. It doesn't reflect well on your company.

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Guest Lueeze

Geez how underhanded, I suggest you contact Dave and see if you can get IP addy for this guy, that will show who he really is!!

 

I would also print these posts off (Tboners) and take it as evidence. Why would a new user with no posts come here and then post on your thread AND discuss at length with a lawyer you case?? THEN put you off??? Hmm Tboner I suggest you should be banned, you have no interest in reclaiming bank charges or anything of the sort.

 

*Reported to Admin*

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Thread being monitored.....

..

.

 

Opinions given herein are made informally by myself 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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Guest Lueeze

Make sure you print it all off as evidence.

 

[EDITED] Beware of potentially libellous comments, please.

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Giving misleading information and not to mention acting in a child like fashion would put a rather large dent in their credibility though IF you could prove it was said company which is probably impossible esp if an employee posted from their home and it wasnt posted by a fixed IP address you couldnt prove it anyway again it would be balance of probabilities and a judge wouldnt be interested

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The "evidence" I was referring to wasnt that ACTUAL posts it was the IP logs of the person posting I wasnt attempting to show that the posts themselves were legally binding at all, merely that if the OP intended to try and use them in court he would need the evidence to prove his claim that ITC had posted them.

 

Besides its about showing that you are have been reasonable about trying to settle before heading off to court and showing that you are the more credible person so you are believed hence the OP seeing if there is anything here he can use hence logs as evidence thats all.

 

As for the legalility of bringing any of this before a court thats beyond anything I could or would advise on anyway but having all of that to hand just in case even if you cannot use it can only be a good thing.

 

As I said earlier tho proving that was someone from ITC will probably be impossible anyway so the whole argument is void

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It shows nothing, even if he can prove it came from ITC it doesn't show who it was and even if he could prove who it was it still won't be admissable.

 

I have a case in the small claims court atm where a couple of references would help bolster my case but am not able to enter them and they are signed and readily provable.

 

As to showing if he's been reasonable or not (not saying he isn't at all) it is just his side that has been put forward, I'm sure I could put forward a thread from ITC that would seem equally hard done by if you hadn't seen both sides.

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You are missing the point I wasnt saying that what has been posted here would be admissable in court I was saying that IF you were going to attempt that then you would need the evidence to back up your assertation ie the IP logs.

 

As for being reasonable I wasnt again ascertaining whether he was being reasonable or not however IF you could prove ITC made those comments 110% (which he cant) then their credibility would be shot thats all I was getting at.

 

Again im not saying who is being reasonable (im not the judge lol) BUT if everything in this thread is true and the ascertation that TBoner is from ITC then it shows how low a company will sink to try and get their own way and influence someone into giving up their rights.

 

Im not actually arguing with you re submitting to court at all, in fact I was agreeing with you that it would probably be inadmissable as theres no real way to prove that the posts came from ITC as I doubt they are big enough to have their own block of IP addresses to which you could do a reverse look up and prove it came from their offices (regardless of who posted it from there) I suspect it will either be a static IP address on an ADSL line or just a dynamic one either way as far as mere mortals are concerned its untraceable past the generic ISP in question and to get any further would involve considerable expense and time which would be totally worthless

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I have been following this thread and you know what?

 

It has detracted so much from the original purpose that anyone reading this now with a constructive input would not even want to bother posting.

 

There obviously appears to be some well informed views that there has been some improper conduct going on here and the arguements that are ongoing are not really doing anyone any good since theres no gains to be made.

 

If its at all possible is there any chance that the thread can get back to its purpose by having constructive comments that will serve to attract other users to post......in a slightly more adult way to that of posts we are currently seeing.

 

:rolleyes:

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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I've been considering putting a copy of all correspondence between myself and ITC online so people can see the full picture. Things like ITC refusing to communicate via recorded delivery and stuff like that. I'm not sure if it's a good idea i.e. breaking confidentiality on what were originally private emails though. There were no privacy disclaimers. Making the entire sordid affair public would perhaps go some way to reinforcing my position with regard to honesty/integrity etc

 

Example: 7th March, they offered :-

 

Hi Paul

A decision has been agreed now on the PDA's with the following been offered:-

1) We would like you to agree the return the balance of the PDA's you currently have for a refund ... and the balance which have been sold or you wish to keep for outstanding sales (i.e. 5 units) a refund of £20 + vat per unit.

Please advise

Regards

Ian

 

This email came months after the initial purchase and after they'd refused to make an offer via recorded delivery. Since the partial chargeback was already done and dusted + I'd sold some of the units + I didn't like the offer, I didn't accept it.

 

A question I've got about the wording of the offer (which wasn't marked 'without prejudice' fwiw) is whether their use of "(i.e. 5 units)" can put a limit on the offer in terms of the number of units I "wish to keep". Surely the number of units "I wish to keep" is up to me rather than ITC and perhaps I could argue that this amounted to an offer of £20 per unit regardless of quantity?

 

Hope that makes sense.

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the arguements that are ongoing are not really doing anyone any good since theres no gains to be made.

 

sorry if this is deemed off topic again, but establishing if something can or if something should be produced in court seems highly relevant as that seems to be the ultimate destination of the OP and ITC

 

in a slightly more adult way to that of posts we are currently seeing.

 

:rolleyes:

 

and that comment in itself is rather childish as its an attempt to insult myself and the other poster, whilst trying to cover your own back to comments that may be thrown your way.

 

All in all I see your post as irrelevant as it doesn't add to the topic by neither discussing wether or not the OP should or shouldn't produce these posts in court nor does it discuss the legalities of chargebacks etc.

 

 

Obvious

 

don't think there is a prob with posting the emails up on here - as has already been discussed it would be hard to prove it was you that had posted them and they probably wouldn't be admissable anyway.

 

As to their offers what was the market value of the items you requested and the ones that you received, also what sum did you charge back to them?

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