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    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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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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Blair Oliver and Scott/Bank of Scotland ** Compensation awarded by FOS **


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The 12 + 2 days are up today. I have every confidence that copies of all the agreements will be delivered this morning and everything will be in order.

On the other hand, as soon as the postman has been and gone I'm certain I will be cancelling all the standing orders. I was a bit peeved at the timing to start with (payments went out three days ago) but now see this as a definite advantage as the lack of payments won't alert them until it's far too late to avoid committing an offence.

Funnily enough I've only had one letter from them this week - a most disappointing performance when I was expecting the usual flood. How will I insulate the loft properly at this rate?

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Hi RMW, this seems to have come around quickly!

The 12 + 2 days are up today. I have every confidence that copies of all the agreements will be delivered this morning and everything will be in order.Oh no they won't!:D

On the other hand, as soon as the postman has been and gone I'm certain I will be cancelling all the standing orders. I was a bit peeved at the timing to start with (payments went out three days ago) but now see this as a definite advantage as the lack of payments won't alert them until it's far too late to avoid committing an offence. Like your thinking!

Funnily enough I've only had one letter from them this week - a most disappointing performance when I was expecting the usual flood. How will I insulate the loft properly at this rate?

He he, do you feel good today?!

Red

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RMW

 

have a look at my thread

 

"in major need of help"

 

red is familiar with that too, what turned out as a few subject kinda because the only thread to do with BOS

 

ive been fighting them since December! Trading Standards have it now so will see what happens, its regarding a "alleged loan of over 5k" :-D

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Hi Kennyparkroad,

Can you PM me which Trading Standards is dealing with your complaint. I've already complained once to my local trading standards, but they don't seem to be doing anything. When I complain again (when I get the next pay now or else letter from Barmy Orrible and Stupid) it might help to say 'XXX Trading standards are already dealing with a similar complaint'.

To clarify, Barmy Orrible and Stupid have been told repeatedly by me in writing, friends, family and carers over the phone, and Citizen's Advice that because of disability I cannot make or receive phone calls but they persisted in calling about 5 times a day for months on end despite having an agreement in place for payments which were being made on time. After they were very agressive to my daughter (quite obviously a child) and then demanded personal information from a paid carer, I finally changed my phone number so the calls stopped, but the letters started, all of them demanding that I phone immediately. Until recently I responded to every one in writing, but I might as well have saved the cost of postage because they either mysteriously disappeared in the post or they were misfiled, ignored, disregarded or used as loo paper so far as I can tell. About 18 months ago the FOS awarded me compensation for their failure to deal with correspondence, and a second complaint on the same grounds is with them now. They have made my life absolute hell, and I want revenge.

Incidentally, the nice postman hasn't delivered a thing from BOS so the standing orders are now cancelled. I expect they'll notice in about 28 days and then the real fun will start.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Dear RMW

 

Sorry to hear you are getting a lot of hassle from these jokers. I have a defaulted Sainsbury's loan with them and they mad my life a misery for a year. They never respond to any letters and I CCA'd them and SAR about 30 days ago and they cashed the cheques, no docs as yet. I have reported them to TS but heard nothing. I am now considering the FSA and I think if we have enough people complaining then we could petition to have their consumer credit license revoked.

 

The other route is to write to HBOS who are their parent company and have some responsibility for how Blair, Oliver and Scot operate. Do you get your letters of a Mr J Smyth in Litigation by any chance?

 

If you are still getting the calls then I suggest you write one of DMD's letters and copy it to HBOS's CEO.

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I've already tried writing to HBOS, and got exactly the same response - none! I've complained about them to FOS too.

My plan now is to do nothing whilst they dig themselves into a deeper hole by continuing to send their computer generated nonsense and then take court action if necessary as soon as the thirty days is up.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Go for it RMW, glad to see that you will not be taking any nonsense from HBOS et al!

Glad to see that you are prepared to take things further as well.

I was reading Kennyparkroads thread which he mentioned to you, and HBOS have not even replied to FOS following his complaint. Outrageous behaviour, they think that they are above the law.

Keep going, we are all behind you (and its not even pantomime season yet!)

Red

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The behaviour of most of these DCAs, including the in house ones like Blair Oliver and Scott, is outrageous and they've been getting away with it because not enough of the general public know their rights to stop them. Unfortunately my experiences to date also lead me to believe that the Financial Ombudsman service is a waste of space and trading standards are not much better so far as dealing with complaints about the big banks is concerned. I may be wrong and I did eventually get some compensation through the FOS last time, but the current complaint has now been going on for 5 months and the attitude seems to be that Bank of Scotland are huge so how could they do anything wrong? I've given up with the FOS.

I still haven't had another letter from BOS though, very strange behaviour. If I'd realised that not paying them would have this effect, I'd have tried it months ago!

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Hi Kennyparkroad,

Can you PM me which Trading Standards is dealing with your complaint. .

 

 

its my local trading standards i am using, which i think get more paperwork from me than anyone else! lol

 

My caseworkers says im very "organised, and thorough"

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Hi all,

Still nothing from Blair etc this week. It's very unkind of them to stop my fun!

Also still nothing from Trading Standards since 'your complaint has been received' four weeks ago. Perhaps they're snowed under with complaints about Blair etc!

In approx 21 days, assuming I've still not had my copy agreements, they and anyone else I can think of will be getting another complaint.

I did have a letter from FOS about 2 weeks ago saying they were still investigating but in the meantime would write to BOS and Blair etc to ask them to leave me alone. Perhaps they did, and that's why everything has gone so quiet.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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  • 2 weeks later...

Small update.

Still nothing from BOS, including threatening letters, with 14 days to go before they commit an offence.

Another letter from FOS 'continuing to investigate and will write again in 4 weeks'

Nothing from Trading Standards.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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RMW look at my thread here,

 

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Dont worry about your letters being signed for etc. if they are not delivered as mine wasn't when I sent a letter to the Company Secretary of Blair et al, they are sent back to you. So if you haven't had the returned, they have been delivered.

 

When they ring ask to speak to a supervisor, the 'assistants' that they have on the 'phone are just poorly paid, poorly trained people who talk from a crib sheet. There agin if you dont confirm who you are, they cant talk to you.

 

As regards your CCA, chances are they will not have a copy of the paperwork, HBOS, particularly bad, RBS got better post 2004 when they realised that people were starting to realise that they have had the wool pulled over their eyes.

 

Be strong, theyre wrong

 

Mike

  • Haha 1

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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First chance I've had to read all the way through your thread, and I now know exactly what to do next - fantastic!

 

Everything I'd read before seemed to suggest that even once the 30 days is up it's best to let sleeping dogs lie, but I know that sooner or later I'll be inundated with letters and probably phone calls again once they track down my new (unlisted) number by whatever devious means they obtained the old one. Your thread has given me hope that I might in the not too distant future be able to forget Blair Oliver and Scott ever existed and remove some huge blots from my credit file, and also reassured me that, despite my misgivings about not repaying the money they say I owe, they are in the wrong not me.

 

I can't wait for Monday 20th August when I can safely send the next letter. As it's for four accounts, would that mean they got four fines for the criminal offences? Let me see - they say I owe £xxxx total, four fines = £10,000. I suppose even Blair Oliver and Scott can do the maths and work out what's in their best interests!

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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A thought just ocurred to me. I'm pretty sure that one of these loans (the biggest) was taken out over the internet and I never signed anything. Are the rules different for credit accounts arranged over the internet?

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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RMW, I have read threads previously about internet loans, and wonder if you are in possession of a CC request in this case? Obviuosly there are no signatures if done all on line and therefore is a CCA request valid?

I am unsure...but worthwhile continuing to find out!

Red

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It's probably irrelevant anyway as we all know how likely I am to get any sort of response from Blair, Oliver and Scott!

I'd guess that the CCA request is still valid as there has to be some sort of credit agreement with all the prescribed terms, but probably not the signatures, which does of course mean that they could just fill in the relevant amounts on any old agreement.

Maybe I'll get stroppy on one of the smaller accounts first, just to see what happens. And there's always the possibility of claiming back all the charges if all else fails.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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A thought just ocurred to me. I'm pretty sure that one of these loans (the biggest) was taken out over the internet and I never signed anything. Are the rules different for credit accounts arranged over the internet?

 

I'm afraid that they are governed by slightly different rules, I cant remeber exactly what the actual rules are I'll get back to you as sonn as I can on that one

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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I'm not very good at interpreting legal stuff, but I believe the effect of the regulations is that, other than being able to supply stuff via email, all the other provisions still apply, including the need for a signature from me at some point.

 

If anyone interprets this stuff differently, please let me know.

 

Also, I must have given them my email address when I applied, but it's changed several times since so could they say they emailed everything to the original address and if I hadn't told them of a change, it's my fault?

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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I would still like a reply on the email address question if anybody has one.

 

Other than that, these (would like to write something really rude but am too polite and don't want my post deleted) are now 7 days from committing an offence. I can't wait to start the ball rolling. I know I could just sit back and let them get on with it, but after all the hassle they've given me I want them off my back for good.

 

Getting rid of the defaults on my credit file would be useful too as I'm about to start up in my own business and I would really like a proper business bank account rather than just a basic one even though I don't need to borrow any money so don't need an overdraft or credit card. Actually, I want all the free help that's supposed to go with the account!

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Sit back and wait till the prescribed time is up

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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