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    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS polled FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the and the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
    • Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase. Unclebulgia. Yes several periods of no contact. Think its time for the SB letter . 
    • well if your not going to upload documents because you are too scared of your data being stolen and someone rocking up to you we are going to struggle to help you peoples energy data breach has nothing to do with a hosting site...
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • 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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Telephone harassment - an action plan


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Hi Charley,

 

I picked up this thread somewhere towards the middle, so maybe I have missed something but I thought you required the DCA's bank details in order to proceed with the Garnishee Order?

 

If you have the details already, then forget my comment :-)

 

fletchy

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Hi Fletchy Yes Yr Right , Sorry , My Fault ,

I Have Just Telephoned Northampton And They Are Sending The File To Birmingham Courts So I Can Indeed Do A Garnishee , Northampton Siad Bec I Put Pay Imedi On My N225 I Can Do The Order As Soon As It Gets To Their Local Court , Not Sure Of The Cost Though As Yet , I Shall Call Them Tom , As Off To Work Shortly , But Result So Far ,

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the file has been transferred to their local court , birmingham .

i called them to find out the costs for a garnishee or third party order costs £100 as does a warrant . next move ?

 

either will hurt them!!

 

have you waited for a month so that the CCJ stays on their file for 6 years??

if you go too early they will pay up and the ccj will vanish

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Hello Dicky Asked Them That , And Their Reply Was Because I Put Pay Imediately On The N225 Requesting Judgement Form , I Could Do Straight Away , Or In The Future , Sent Them Another Letter Because They Sent Me One With An Apology And Saying That They Would Fight Any Court Case , (which Was A Bit Late Really , As I Knew By Then I Had Got Judgement , Shows You That These Companies Are So Big Or Stupid That They Dont Know Whats Going On, ) My Letter Which Said That They Owe A Further £90.00 As Well As The Original Court Amount , And That They Are To Late Judgement Had Gone Against Them Quoteing The Case Number And Simply Saying If They Do Not Wish Any Further Action To Pay , And To Not Write To Me At All Not Even A Reply To This Letter Only A Cheque , Or They Will Incure More Letters From Me And More Ccj S .

In Other Words Bug Off , Leave Me Alone Or I Will Bite Back !:)

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it's about time our good-for-nothing government stopped harrassing the ordinary citizen and gave these rogue debt collectors a taste of their own medicine. Looks like the good guys are just an easy target. Why don't this government do something useful at last. All this money spend on this agency and that commission - what does it achieve? - nothing, except jobs for their cronies. Seems to me the government is scared of these debt collectors and their legal sharp boys.

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Hello Dicky Asked Them That , And Their Reply Was Because I Put Pay Imediately On The N225 Requesting Judgement Form , I Could Do Straight Away , Or In The Future , Sent Them Another Letter Because They Sent Me One With An Apology And Saying That They Would Fight Any Court Case , (which Was A Bit Late Really , As I Knew By Then I Had Got Judgement , Shows You That These Companies Are So Big Or Stupid That They Dont Know Whats Going On, ) My Letter Which Said That They Owe A Further £90.00 As Well As The Original Court Amount , And That They Are To Late Judgement Had Gone Against Them Quoteing The Case Number And Simply Saying If They Do Not Wish Any Further Action To Pay , And To Not Write To Me At All Not Even A Reply To This Letter Only A Cheque , Or They Will Incure More Letters From Me And More Ccj S .

In Other Words Bug Off , Leave Me Alone Or I Will Bite Back !:)

 

yes, i understand you got a forthwith order

 

the court system makes allowances for people to dispute debts so that if they lose- and pay up within 28 days of the judgement- then no record of the judgement is placed on the register which people can see for 6 years

 

if you force them to pay before the 28 days are up then no one will ever see on their record that they have a ccj

 

it is not for you to remind them of that

 

if you wait for 28 days THEN take enforcement action as they have not coughed up then that ccj will remain of THEIR credit file for 6 years

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if you force them to pay before the 28 days are up then no one will ever see on their record that they have a ccj

 

Doubt this will make any difference to them. Quite a few banks have CCJs, but do you ever check this before entrusting them with your money? The system is biased... :-(

 

 

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Doubt this will make any difference to them. Quite a few banks have CCJs, but do you ever check this before entrusting them with your money? The system is biased... :-(

 

 

dead right the system is biased. wasted of space council officials and public servants don't do a thing to curb these debt collecting rogues

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I propose new legislation requiring all financial institutions to display a health warning on their advertising 'as of today we have n CCJs filed against us'... :-)

 

i agree - but you won't get it with this government, they are too busy looking after their banker and financial institute friends - its that craven cowardess that got the county into a mess. this lot don't care a s*d for the little folk

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yes, i understand you got a forthwith order

 

the court system makes allowances for people to dispute debts so that if they lose- and pay up within 28 days of the judgement- then no record of the judgement is placed on the register which people can see for 6 years

 

if you force them to pay before the 28 days are up then no one will ever see on their record that they have a ccj

 

it is not for you to remind them of that

 

if you wait for 28 days THEN take enforcement action as they have not coughed up then that ccj will remain of THEIR credit file for 6 years

HI D D AND FRED YES SEE WHAT YOUR SAYING , WILL LEAVE ANY WAY BECAUSE THEY SAID AT THE COURT THAT THEY WOULD POST OF SOME ENFORCEMENT LEAFLETS FOR ME , SO MAY AS WELL WAIT THE 28 DAYS THEN GO AHEAD , GIVE THEM WHAT THEY GIVE , MEDICINE IN THE FORM OF A CCJ :)

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HI D D AND FRED YES SEE WHAT YOUR SAYING , WILL LEAVE ANY WAY BECAUSE THEY SAID AT THE COURT THAT THEY WOULD POST OF SOME ENFORCEMENT LEAFLETS FOR ME , SO MAY AS WELL WAIT THE 28 DAYS THEN GO AHEAD , GIVE THEM WHAT THEY GIVE , MEDICINE IN THE FORM OF A CCJ :)

 

good luck and keep fighting, admire your spirit and determination

 

i worry because there might be many old and infirm folk out there who are being harrassed by these rogues - but what do the authorities care? as long as they get their tax paid pensions

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good luck and keep fighting, admire your spirit and determination

 

i worry because there might be many old and infirm folk out there who are being harrassed by these rogues - but what do the authorities care? as long as they get their tax paid pensions

THANKYOU ,

I KNOW 2 WRONGS DONT MAKE A RIGHT, BUT DOING UNTO A DCA AS THEY DO TO YOU IS :)

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  • 3 weeks later...

Latest Update

Just Received Yest A Application From Birm Court For Metro Collection To Have The Case Set Aside On The Grounds That They Can Defend And They Did Not Have Enough Time Etc Dg Solicitors

Excuse Me But This Lot Are Surpossed To Be Professionals

I M The Novice

Any Way Sent My Two Penneth Via E Mail After Tel The Court

Hearing At 2 Pm Today So We Shall See

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The law, as has been said, is 'an ass' and is there to protect the wealthy and big business. Somewhere along the line the law stopped consulting the common sense of that mythical man on top of the Clapham Omnibus.

 

Good luck. It's about time our spiv MPs started to look after the ordinary people

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Latest Update

Just Received Yest A Application From Birm Court For Metro Collection To Have The Case Set Aside On The Grounds That They Can Defend And They Did Not Have Enough Time Etc Dg Solicitors

 

That somehow seems a bit crooked to me. Would a debtor realistically be able to do the same thing?

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That somehow seems a bit crooked to me. Would a debtor realistically be able to do the same thing?

HI SHINOBI

YES IT ALL SEEMS SUS

IT BEING MCS LOCAL COURT , DG SOLICITORS NOT SURE OF THAT ONE IF BASED THERE OR NOT

THE CLAIM ONCE I RECEIVED THE APPLICATION NOTES FROM THE COURT , CLAIM S DATED 21ST OF JAN BY DG SOL THE COURT CLAIMED THEY POSTED AT THE BEGINING OF FEB

RECEIVING IT YES WITH A CLEARLY MARKED BIRMINGHAM POST MARK WITH THE DATE OF 8 - 2 - 10

WORK THAT ONE OUT WITHOUT BEING SUSPICIOUS

ANY WAY I DID SCAN IT AND E MAILED THIS TOO AS WELL AS ALL THE OTHER INFO AS WELL AS STATEING I AM BUT A NOVICE AND I MANAGED TO CALL NORTHAMPTON SEVERAL TIMES ABOUT VARIOUS THINGS EACH TIME MAKING IT MY BUSINESS ASKING IF THEY HAD HERD FROM MCS OR THEIR SOLI , ONLY ONCE DID THEY CALL THEM.

AND NOW IT SEEMS THEY CLAIM THEY COULD OF DEFENDED AND HAD NO TIME TO I GUESS WE SHOULD ALL ALLOW SOLICITORS MORE TIME AS IF :cool:

I CALLED TO SEE WHAT HAPPENED , BUT THEY DID NOT HAVE THE PAPERWORK BACK FROM THE JUDGES ROOM AND EXPECT THEM BACK TOM SO I WILL CALL AND SEE FRIDAY FOR THE RESULT.AS IF I DONT KNOW ALREADY BUT HEY YOU NEVER KNOW

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Charley can u stop posting in capitals. It is very rude.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 1 month later...

I'm actually on the reverse of this kind of action. 1st post so please bare with me).

My new partner has been owed apx £200k (amounts of £100k in 2007-to present sum). This was lent to a man she met through work & following instructions from her boss, & was given in good faith to help him secure custodial right to his daughter.

Since that time he has slowly siphoned off her life savings,(for his business dealings & personal life) using guile & subtle threats along with stories of his & his family's links to the "Security Services" & his powerful contacts, (he was a succesful journalist), he is a huge drug user, has a full range of dodgy contacts & is adept at using the police whenever he feels a need. All while making no attempt to settle this debt.

My partner is now facing considerable financial difficulties & has finally 'fessed' to the embarrasment of falling victim & finally asked for my help.

She has recently been sacked from her PA job to a middle eastern family, due to the contact & conduct of this man & is at present going through the process of an employment tribunal, (another tale).

To keep this short. I am no wall-flower, am ex military & have worked in the security industry for almost 20 years. I have refrained from my natural instincts & airing on the side of caution, attempted to arrange a meeting with this man to facilitate some form of repayment plan.

This was in the form of a text message to ask if he would meet, how he intended to repay & when he could start.

His reply was a tirade of offensive, rude texts & calls to both my partner & myself, including false accusations of threats to him & his property along with warnings to us both of his contacts & consequences of our continued attempt to pursue this.

To the point.......

After I had attempted to call him yesterday, (about a meeting) first on his mobile..no answer , then on his alternative 'dealers' mobile....no answer, I called his apartment (exclusive address in central London), he answered & hung up. I called back, (assuming my bad signal), I greeted him, he hung up. This happened 3 more times until he finally spoke & I asked for a possible meeting to discuss this issue. I was then subject to 10 mins of his threats & insults (water off a duck..) until he finally stated he would get me sorted out & I didn't want to mess with him or his MI6 friends & hung up. I left it at that & headed to my sons birthday dinner in the midlands.

My partner called me around 11pm to state 2 uniformed police officers had called at her house to speak to me accussing me of harassment. As I was still in the midlands they left. 07.50 this morning 3 officers called to ask me to sign a document in relation to his accusations. I asked them if they were here to investigate the matter they said NO, they were here to speak to me. When I asked to see the complaint they said they didn't have the details other than I had continuously called him, threatening him & his partner by saying I was outside his apartment with "2 darkies & a crowbar". The officers had not interviewed him or seen the evidence but assumed it must be true...

What are my legal rights with this? He can simply make up another encounter & I'll be arrested.

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mm are you sure your;e not a debt collector?(LOL)

 

seriously, the only way forward in this is for your partner to make a complaint against this man for fraud

 

if the money was obtained as you say by deception then it is a police matter to start with

 

a conviction will then make a civil claim much more feasible

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