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    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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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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CAG CRA S.A.R Club


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A lot of this JUNK mail comes from guarantees you fill in when you bu a new Hoover or Washing Machine or whatever. I am starting to fill my warranties in with sill names just to see if I get any letters addressed to Mrs Ann Gree XXXXXXXXXXXXXX

or Mr Juan Kerr

 

or Master Bates

 

or maybe Just plain Old Ken Maynard and according to 192.com my adress should be ...............................:eek:

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Now this is where it all gets my blood boiling... Lifestyle Marketing, where did they get permission to access your information especially as you are ex directory? Who gave permisssion to the phone company to sell your phone number.... this really makes me mad. I'm ex Directory too and we still get sales phone calls.

 

Recently I was in Portugal and beside the pool was a line of small ants following one after another across the stone path through to the house. I wet my finger and rubbed out the path line they were all following and the ants got totally confused as to what direction they were going in - I'm going to try and find something similar for this line of data information to stop.

The ants vanished in about 15 minutes, might take a bit longer for the likes of Lifestyle Marketing, but we'll get there. ;)

 

 

I do agree - we need to look at how to try stop this stuff - my own telephone number is ex directory and you'd never believe the calls we get - and nobody ever seems to give a straight answer when I ask "how did you get my number. I ask to speak to managers and supervisors and nobody seems to know where the lists come from - amazing ? It really annoys me!!

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OMG!!!!

 

Just posted a thread because I'd found an old CRA report from 2003 which had account numbers on which I thought was a great idea. http://www.consumeractiongroup.co.uk/forum/general-debt/116679-credit-reference-agencies.html

 

Thanks to Curlyben I've now found this thread and am absolutely dumbstruck!

 

I can't wait to find out what happens with these SARs, got to say I've subscribed to the creditexpert thing and others not realising (thinking I was actually making a positive move). I haven't been inundated with calls/post but I have opted out of this with Royal Mail and BT (so possibly somehing to do with it??)

 

How on earth can ANY decision be unbiased given this evidence? Surely now the time has come for all financial institutions to declare what percentage of their "fact discovering" decisions are actually based on the information given by the CRAs!!!

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OMG!!!!

 

Just posted a thread because I'd found an old CRA report from 2003 which had account numbers on which I thought was a great idea. http://www.consumeractiongroup.co.uk/forum/general-debt/116679-credit-reference-agencies.html

 

Thanks to Curlyben I've now found this thread and am absolutely dumbstruck!

 

I can't wait to find out what happens with these SARs, got to say I've subscribed to the creditexpert thing and others not realising (thinking I was actually making a positive move). I haven't been inundated with calls/post but I have opted out of this with Royal Mail and BT (so possibly somehing to do with it??)

 

How on earth can ANY decision be unbiased given this evidence? Surely now the time has come for all financial institutions to declare what percentage of their "fact discovering" decisions are actually based on the information given by the CRAs!!!

Hi JB, yes the SAR from Experian gave me all the account numbers. it's odd they don't have this on the credit report? I suppose it just shows the difference between asking (and paying £10) for a SAR, rather than £2 for the Credit Report. I wonder why they keep this back?

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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Hi JB, yes the S.A.R - (Subject Access Request) from Experian gave me all the account numbers. it's odd they don't have this on the credit report? I suppose it just shows the difference between asking (and paying £10) for a SAR, rather than £2 for the Credit Report. I wonder why they keep this back?

An SAR puts a LEGAL responsibility on them to provide EVERYTHING they have on you whereas the £2 request means they supply what they want.

 

I would be interested to know from those of you who have got their full SAR does it make any mention of passing on your information to 'interested organisation' or any requests from DCAs if not then there is something lacking and they have not fully complied.:???:

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Hi ODC, the only ref. I have to a DCA is Hillesden's Default - which showed up on my Credit Report with Experian anyway. The biggie (for me) will be Equifax - will chase them up today. 'BCW Group' (not otherwise mentioned anywhere on our Equifax Credit Files) did a 'trace' on me and hubby on the day they received and signed for my CCA request. I wonder how they did that?:rolleyes:

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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ODC – CRA’s should have information on your file up to six years thereafter it should fall off as they have confirmed on the media. I feel that this is not correct as how do DAC’s send out letters that for debts that are over 6 years old. Where are DCA’s getting this information from???? :rolleyes:

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A lot of this JUNK mail comes from guarantees you fill in when you bu a new Hoover or Washing Machine or whatever.

 

Not in my case, as I never provide this information as a matter of course. The same goes for my DoB. Even my local library said they wanted it before I could use their Internet terminal! I demanded to see the Head Librarian and was told it was so they could generate a password for access. Asking why I couldn't give a random 6 digit number instead stumped her. Yet others gave out their info without question.

 

Interestingly, Callcredit's e-mail was supposedly from 'Call Credit Anti-Fraud' as the SENDER, and used my first name as a salutation (which could not have been discerned from the email address itself). I've now responded asking for details of where my information was obtained - as part of MY security procedures.

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I've now responded asking for details of where my information was obtained - as part of MY security procedures.

 

I like that :)

 

More people should take a similar line instead of just handing over info to people just because they ask for it. Most people are too trusting for their own good. If someone rings your house and the first question they ask is "Confirm your d.o.b. for me please" your reply should simply be "No. I don't give any kind of personal details over the 'phone to a complete stranger."

 

It does work.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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Danny, I'd find that kind of initial question impertinent - and my response is, "what's yours?, is there going to be a surprise party?" This usually floors them. However, as I have ACR (Anonymous Call Rejection) on my phone line - free from VM, and I won't answer calls to my mobile that don't present a number, these incidences are getting fewer!

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Just Read this Thread from start to finish.

 

I am shocked by the links between CRA's and DCA's. I did not even think about SARing a CRA before what a brilliant idea. I am now on a mission to get rid of my Loyalty cards etc.

 

I am in the process of changing my name (by Deedpoll) as I have one of those annoying names that when your checking into a hotel they always snigger (ie Jones) anyway I am adopting a family name from a couple of generations ago and after googling the name is it very rare.

 

But my question is this how is this name change going to affect the information stored etc.

 

One thing I did think of... any letters that arrive addressed by my old name will have obviously come from prior to the name change and would be good for timelining etc...

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Whilst you're doing that, also consider using middle initials spuriously to track who misuses your data. The CRAs may keep things separate until a formal 'linking' takes place. I'm unsure if they get Deed Poll changes and record them as a matter of course, but nothing would surprise me.

 

The middle initial ploy is most useful in tracking down where your details originated from, and I developed this system.

 

A - the default

C - Council, (library, property taxes etc)

S - Retail / Shopping / Surveys

T - Inland Revenue

V - Voting (Electoral Registration)

 

the remainder are used for various other purposes!

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Whilst you're doing that, also consider using middle initials spuriously to track who misuses your data. The CRAs may keep things separate until a formal 'linking' takes place. I'm unsure if they get Deed Poll changes and record them as a matter of course, but nothing would surprise me.

 

The middle initial ploy is most useful in tracking down where your details originated from, and I developed this system.

 

A - the default

C - Council, (library, property taxes etc)

S - Retail / Shopping / Surveys

T - Inland Revenue

V - Voting (Electoral Registration)

 

the remainder are used for various other purposes!

 

This is good Stuff

 

I use somthing simular for the telephone is they ask for Mike I know its business, if they ask for Mick I know its personal, If they ask for Michael I am very wary and if they asked for debt filled ****** I know its a DCA

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I can't claim the credit for originating the idea, on the Glasgow Underground (which is a circular railway) back in the 1960's every station have an advert on the wall for a hypnotist called "Joel B. Sneader", offering to help you stop smoking or give up gambling or whatever.

 

As the train moved on to the next station, I noticed the person offering the service was now "Joel C Sneader" and so on, round the 15 stations. Mr Sneader then knew from his customers calls which underground station his adverts were best placed!

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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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This might be the thread here http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/111919-debt-collection-agency-year.html

 

It's funny how often the same names reappear.

 

I'm convinced CCCS and Payplan are part of the information gathering process, knowingly or otherwise. It's not a comfortable subject.

 

I would imagine this topic is 'thin ice' on a public forum especially having a pop at the esteemed Mr Hurlston, so tread carefully my friend, or a Mod will be along to spank your bottom until it turns purple and really hurts.:p

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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This might be the thread here http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/111919-debt-collection-agency-year.html

 

It's funny how often the same names reappear.

 

I'm convinced CCCS and Payplan are part of the information gathering process, knowingly or otherwise. It's not a comfortable subject.

 

I would imagine this topic is 'thin ice' on a public forum especially having a pop at the esteemed Mr Hurlston, so tread carefully my friend, or a Mod will be along to spank your bottom until it turns purple and really hurts.:p

 

CCS & Payplan Danny - that wouldn't have anything to do with The Paylink Trust by any chance would it?

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Within a few months of Registry Trust recording a CCJ against me, I received at least 18 invitations from firms ranging from Barclaycard and others all offering to help me 'repair' my credit. The problem I had was with a lender and the blight was eventually lifted, however with RT actively SELLING this information (that is supposedly in the public domain, but on their computers) I have no opportunity to opt out or seek that my data is not disclosed in this way. I have no doubt that for their own perverse reasons the Government will not kick the crutch away from RT - but someone should.

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CCS & Payplan Danny - that wouldn't have anything to do with The Paylink Trust by any chance would it?

 

Oh dear!!! There was I, just on the point of a CAG semi-retirement and you're going to set me off again!!!! ;)

 

 

 

There was a video posted recently 'MAXED OUT' if you've not already seen it, take a look.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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This might be the thread here http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/111919-debt-collection-agency-year.html

 

It's funny how often the same names reappear.

 

I'm convinced CCCS and Payplan are part of the information gathering process, knowingly or otherwise. It's not a comfortable subject.

 

I would imagine this topic is 'thin ice' on a public forum especially having a pop at the esteemed Mr Hurlston, so tread carefully my friend, or a Mod will be along to spank your bottom until it turns purple and really hurts.:p

 

 

Perhaps Dannyboy660 you could tell me and the other tens of thousands on here what is so special about Mr Hurlston?

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

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Perhaps Dannyboy660 you could tell me and the other tens of thousands on here what is so special about Mr Hurlston?

 

:o YIKES!!!

 

That's a leading question your Honour, and I respectfully refuse to answer on the grounds I might incriminate myself!!!

 

There's not a great deal to say that hasn't already been said. Mr Hurlston has his fingers and toes in too many conflicting pies, in my opinion.

 

CCCS, Registry Trust, dishing out gongs to DCA's, advising the Gov to offer credit to 16-17 year olds, suggesting that Credit Unions be scrapped because they are run by their own members (and he's not involved)......

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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