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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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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.

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DEBT Collection Agency of the YEAR Awards


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I really do hope Mike falls flat on his face as he tries to contact a debtor live on air. I wonder if he is fortunate to get through to someone how many sections of the Data Protection Act he will be breaking by broadcasting the conversation to a hall full of assholes

 

My thoughts exactly ODC :|

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I think Mr Hunt's little event is guaranteed to be staged.

 

Too risky making a genuine call and it's likely to make him look like the dick he no doubt is.

 

It will be a very much managed event with a little humour, mild aggression and ultimately Mr Hunt wins the day.

 

Yawn. :rolleyes:

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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I have it upon good authority that our Mr Hurlstrom is not fazed by our objections to sit as a Judge in the forthcoming awards ceremony, congratulating some of those DCA's who dished out the stress. You are a brave fellow Sir, I trust this will not colour your judgment of who to choose?

 

We shall see, but the heat has to be turned up. Morally, it's wrong....look in the mirror and ask yourself, just cos you're wealthy doesn't mean it's right.

 

You have been warned....

 

 

Sarah

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Looks like he knows what side his bread is buttered on. Well done Sir for making a decision based on greed and a free meal rather than moral principles. Glad to see you have shown how totally unbiased your organisation actually is.

 

Looks like less people arringing to pay their alleged debts through CCCS and more joining the totally biased and proud of it CAG. Looks like the DCAs can expect more CCA requests and Statute Barred letters thatn ever before

 

''If you want to know what God thinks of money, just look at the people He gave it to'' Dorothy Parker

  • Haha 1

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Can I take it that means I'm gradually winning people around on the CCCs and slightly suspicious Mr Hurlston issue??

 

I'm sure there are many who are glad to just let CCCS take the pressure off - for a while - but how many people are aware their predicament is being shouted from the rooftops to any of the vultures who may be interested?? The more you look at it, or speak to people who have experience of them, the whole thing looks very strange indeed....and the same name(s) keep appearing. The fact he can't see the conflict by chumming up with the DCA's, trashing local Credit Unions and pushing for credit to be granted to 16-17 year olds is astounding arrogance (or ignorance, not sure which).

 

He'll come out with some highly predictable crap about only working with ethical DCA's who operate within the guidelines etc - making sure people don't overstretch on credit etc "it's their own fault" stuff........pure fantasyland, I mean, credit for 16-17 years old is hardly the voice of responsibility is it. Sounds like catch 'em early and bleed 'em dry when they're on the database.

 

Surely it's far better to follow the National Debtline DIY thing and insist on dealing with original creditors, or as ODC quite rightly says with a bit of help and support from CAG. Once the OC marks the debt charged off it's as good as dead anyway. Ask the taxman;)

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Mr Hurlston, is the money really worth it?

There shouldn't even be an Award.

It shames anyone involved.

Shames all of them. A shameful 'business' indeed.

Link to 'Tragic (G E and Westcot Credit)'

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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What will they use to measure client satisfaction? Lowest suicide rate in the industry?:D

 

Grandmother 'terrorised' to death after bank wrongly hounded her for £16,000 | the Daily Mail

 

How about inviting Mrs Brazier's daughter to be a guest speaker.....?

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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How about doing a balloon release outside the venue - in memory of Mrs Brazier and to get some publicity?

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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:lol::lol::lol::lol:

 

In all seriousness I could organise the balloon side of it if anyone thinks it is a go-er. We could raise funds for the family by asking for a donation for each balloon released.

  • Haha 1

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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OK - a plan. We could have a different colour of balloon for each of the DCA's in the award ceremony. People could vote for the DCA who has destroyed their life the most by purchasing a balloon of the required colour for £1. Some of the money raised would cover the cost of the balloons and helium -the balance could be donated to Mrs Brazier's family. What does anyone think?

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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That wouldnt be fair as Cabot with their multitude of aliases would be at a distinct advantage, MH for gross stupidity would be in with a shout, Clownells/Hampton iLegal/Red Debt would be contenders and RWC would know all about these balloons even if the thread was not read by them. Ruthless for sending the most threats to Bankrupt and silly messages about parcels.

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A quiet, dignified 'Protest of Shame' might be just as effective.

 

It would only take a few people outside the venue with a coffin or two full of DCA letters to make the point. As the 'guests' arrive they could be accompanied by the sound of constantly ringing telephones. We could 'trace' the names of some notable DCA personnel and put it on placards with a 'Default Notice', perhaps even match them up with the wrong company. It's the kind of thing the press could really make a meal of.

 

A balloon release is a good idea, but might require a sizeable gathering to be really 'newsworthy'. Also there's the issue of thousands of plastic/rubbery non biodegradable balloons being let loose on the environment.

 

It would be a shame to let it slip by quietly and unnoticed, except by the parasites themselves. Something should be done to mark the occasion.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Agreed - can we have a show of hands as to who is willing to go?

 

I did post in the CAG meets section, but there were no responses.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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A quiet, dignified 'Protest of Shame' might be just as effective.

 

It would only take a few people outside the venue with a coffin or two full of DCA letters to make the point. As the 'guests' arrive they could be accompanied by the sound of constantly ringing telephones. We could 'trace' the names of some notable DCA personnel and put it on placards with a 'Default Notice', perhaps even match them up with the wrong company. It's the kind of thing the press could really make a meal of.

 

A balloon release is a good idea, but might require a sizeable gathering to be really 'newsworthy'. Also there's the issue of thousands of plastic/rubbery non biodegradable balloons being let loose on the environment.

 

It would be a shame to let it slip by quietly and unnoticed, except by the parasites themselves. Something should be done to mark the occasion.

I think I agree with DannyBoy. I just feel a bit cautious because of the amount of money these companies have - ie. they're loaded, and we've all seen, by their Web Pages, that they're good at 'spin'.

I also agree with Babybear - needing Mrs Brazier's family's agreement. I'm just not sure if we should even be asking them.

Just a reminder of the dates:

Wednesday 28 November – Hilton Metropole, Birmingham

Call for entries – deadline 19 October 2007

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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I posted this on another thread but Dannyboy660 pointed me here:

 

I've been watching this thread with some interest. Finding out who is passing our details about is often time consuming.

 

There was a thread about the head of the CCCS charity Malcolm Hurlston which I cant find, but I have done a little chasing back myself.

 

I received a mailshot from the Money Group Ltd (formerly called the Mortgage Group Ltd until August 2005 when they did what Cabot Financial UK Ltd did with Kingshill No 1 Ltd and swopped names -live company for Dormant - why? the mind boggles and we will have to wait until I find out). But these are Money brokers, loan brokers, mortgage brokers with credits on their headed notepaper ( company logo's for) igroup (GE Money , First National & Mortgage Top Ups Ltd ( The money groups own specialist lending division).

 

The Money Group Ltd had sent out a mailer and I sent a Subject Access Request to find out why and where they got my details from. Answer came back 1) The Registry Trust Ltd 2) The Response Team

 

The Response Team look inocuous enough, but the Registry Trust is this ' Not for Profit ' organisation the brain child of none other than one Mr Malcolm Hurlston a Director of the Trust which records for the Government the CCJ's etc we all get through the courts.

 

Now this organisation, whilst admittedly supplying publically available information ( I picked up some ccj's back a few years ago) is SELLING this information to money brokers who are then targetting people who have had a hard time AND at the other end of the stick Mr Hurlston is HEAD of CCCS the debt charity helping people who are in financial trouble...

 

I am digging and finding other Directors of said Registry Trust Ltd also in Debt Counselling companies and one possibly in a Loan company( checking). Now come on what the hell is going on?

 

..AND This Hurlston fellow is now sitting on a panel of Judges to congratulate DCA's in November for some credit magazine ??????

 

I'll await your comments ( serious Comments and then decide how I will tackle this. I don't often say much, but when I do.....

 

 

Tom

Legal & Trade - Capital Bank CCA 4th May - 16th May due

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Popular lad this Hurlston fellow! :

 

Same source!

 

County Court Judgment Records

Mr. Todd: To ask the Minister of State, Department for Constitutional Affairs what assessment she has made of the implications for competitiveness of the restriction to a single third-party distributor of information based on county court judgment records. [67795]

 

Ms Harman: No such assessment has been made.

 

 

15 May 2006 : Column 733W

 

The ‘Registrar’ is a statutory function established by the Register of Judgments, Orders and Fines Regulations 2005. Registry Trust Ltd., which is a non-profit making company, kept the Register of County Court Judgments for the Department, under the terms of a contract, since 1986. Following a review of the service in 2002 to 2004 and subsequent consultation, the Department concluded that the contract for the keeping of the register should be put out to tender from time to time.

 

To ensure continuity of the provision of the register service and a smooth implementation of new regulations (which include the provision of new data in the register on unpaid fines), the Department decided in the short-term to negotiate a revised contract with Registry Trust Ltd. They have been re- appointed as Registrar to run the Register of Judgments, Orders and Fines until 2009.

 

We will be reviewing the options for the longer term in 2007, taking into account competitiveness issues. We currently expect to hold a competition in 2008 for the post-April 2009 contract.

 

Mr. Todd: To ask the Minister of State, Department for Constitutional Affairs whether she has conducted a survey of users of county court judgment records to obtain their views on the value of such records. [67799]

 

Ms Harman: The Department carried out a review of the service and method of service delivery of the Register of County Court Judgments in 2003 prior to public consultation. This included research among users of county court judgment records of the use to which records are put, their current and future value and sought views on how the service could be improved.

 

Mr. Todd: To ask the Minister of State, Department for Constitutional Affairs what recent assessment she has made of the accuracy of county court judgment records; what plans her Department has to recover the cost of improvement from the users of the records; and if she will make a statement. [67800]

 

Ms Harman: An audit of the accuracy of the county court judgments recorded in the Register of County Court Judgments was carried out in 2004. This advised the drafting of amendments to the Civil Procedure Rules, the objective of which is to improve the accuracy of the data supplied to the courts by parties on issue of a claim. The cost to the courts of implementing the requirements of the amended Civil Procedure Rules is to be recovered from Registry Trust Ltd. through the charges raised by the Department for the supply of judgment records.

 

 

I think the clocks ticking for Registry Trust.

 

"Quote from RT:

Please note that the Registry has recently completed discussions with HM Court Service regarding an update to our licence to run the Register of Judgments Orders and Fines. These discussions have been on-going for many months and we are expecting to confirm the detail of these changes during the next few months but for now I can only advise that a new contract will be required for data purchasers. Our new licence is currently with the lawyers being drafted and until this is finalised I cannot comment on what might be in the new data purchase contracts".

 

 

 

Sarah

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