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Bookworm

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Everything posted by Bookworm

  1. Bookworm
    My "Vote Labour" stake in the garden and posters in the windows made sure I didn't get any unpleasant people like the Tories or Ukip knocking on my door. Maybe a satanist symbol or 2 on your front door would have the same effect?
  2. Bookworm
    £8.99, and it's very annoying that you have to phone them to get it done. But, give them their due, they said it would take about 1 week for the unlock code to arrive, and it did, and it worked 1st time!
  3. Bookworm
    It's ok, finally found it, lol. It was under my alternate ID, that's why I could't find it! It's here, if anyone is interested: http://www.consumeractiongroup.co.uk/forum/showthread.php?374850-Covertly-recording-your-Atos-Assessment Thanks for anyone who tried to find it, if at all.
  4. Bookworm
    Morning, all. For some reason, I can't find one of my old threads, which I need to link to for someone in need of help herself on FB, so... It's a thread which I wrote about covert recording and the law which applies to it. I can't remember what I called it or where it was posted, for some reason I seem to have forgotten to subscribe to it, so can't find it in my user CP and can't find it when searching. If anyone knows what I am talking about or knows where to find it, I would (and so would the lady in distress I am helping!) be very grateful. BW.
  5. Bookworm
    Sorry I didn't do this yesterday, I assumed others would have remembered, then again, how many of the old guard are left? Well, as one of the olden golden 'uns, I want to wish to CAG a very happy, well done 10th birthday wish! Yes, dear readers, 10 years ago (and one day!), a very small with a small band of misfits and reprobates decided to take on the might of the banking industry, and it was called the Bank Action Group. A couple of months later, the idea came about that maybe, we could do more than just tackle the banks and that there were so many more injustices where the might of the people could challenge the status quo whereby the customer always ended up being wrong... and so the name was changed to Consumer Action Group. Well, 10 years on, here we are, still going, despite numerous efforts to bring the site down in many different ways. Even though I am no longer active on the boards, I will forever be very proud to have been part of the fight, to have helped taking the banks and other industries to task, and so, I hope you will all join me to wish CAG a very happy 10th birthday, and here's to the next 10!
  6. Bookworm
    Trip down memory lane... I came looking for another thread and saw this one, had a chuckle re-reading it. If anyone is still interested, only 18 months or so to Statute-barred, this is what has happened: I have sent Bryan Carter packing on Argos, the account has done the round and is now back with Lowell's. They're still trying to intimidate me by producing bad photocopies of non existing documents and pretending that this should be enough to make me pay up, I keep on telling them no, it's not, take me to court, they reply saying they'll put the account on hold while they investigate and so it goes on, every few months or so. I never heard from Natwest again. Now that I think of it, I don't know if they even passed it to an external DCA ever, I can't seem to remember getting any grief from that side. Kays catalogue account sank, they must have written it off, they knew it was that dodgy it was beyond reprieve. Grattan's, this DCA, EOS, I think, still sends me a pile of letters, once a year, to remind me of my "debt". First Direct sold it on, and it ended up with MKKDLP or whatever they call themselves. I unfortunately dropped the ball on that one, I was on morphine and messed up my case, they caught me by surprise by actually issuing an N1, and I was so doped up that I failed to file the right paperwork at the right time, and basically ended it to them on a plate. Ended up with a £700 judgment against me, which I paid off out of my overdraft rather than drag it out and be reminded what a plonker I had been. Still. so far, that has been my one and only lost case, so I shouldn't complain too much. So there you go, that's the news on the debts front.
  7. Bookworm
    You could try phoning them and asking them. No, seriously. Or you could try reverse #po box look-up. although there are fees: http://www.ehow.co.uk/how_7623089_locate-post-office-box-address.html Or you could just contact their legal dept in London and mention the claim to them.
  8. Bookworm
    Well, there is more than one reason, so take your pick: - It's about redressing the balance: Usually, a disabled person will take longer than an able-bodied person to go about their business, so if they have to pay, the cost will disproportionately fall on them, having to pay for say 3 hours where a non-disabled would only need 2. To avoid this, councils prefers usually to grant the free parking, which is easier to manage all around and really doesn't cost them that much in lost revenue. - A disabled person might not have the choice in having to use a car. Whilst able-bodied people can use public transport, it is often not the case for the disabled person, so again, the cost would disproportionately affect them, using the car as necessity rather than choice. - A Blue Badge holder can park on yellow lines FOC as long as they do not cause an obstruction. Whilst the car may not cause an obstruction, it can still slow down the flow of traffic, especially if there is more than one, so it makes sense for the local authorities to instead say: "Park here for free" and hopefully more BB holders will do this and thus park off roads, which in turns help traffic move smoother all over town. So there you go. Whilst it may look like just another one of those unwarranted privileges, there are actually good reasons for the payment exemption for BB holders, and they do benefit everyone else too. HTH.
  9. Bookworm
    why, the cheeky so-and-sos!!!
  10. Bookworm
    Thanks, Andy. The problem is that while I am pretty sure the claim is SB, my chap cannot be certain. He has very patchy documentation, and his recollection of the event of so many years ago is even patchier. I can't take the chance of just claiming SB and then, bang, they pull out of the hat token payments made here and there, just enough to stop the LA to kick in, you know? So, whilst I am indeed going to put in the LA1980, I can't solely rely on that. Belt and braces approach, as well as spats, umbrella, safety cable and wellies, frankly.
  11. Bookworm
    That is fantastic news. I did not know that. Excellent. Thank you so much. I am writing the chap's defence this afternoon (not a relative, not even someone I know well, lol, but you know me, a sucker for helping strangers!) and I was toying with the idea of throwing the SB thing in anyway, so that should really be the final nails in these b*****s coffin. Brilliant. Right, I'm off again to write that defence. Thanks again.
  12. Bookworm
    . . . . . . . .
  13. Bookworm
    Hey oop. Rusty ol' me passing through, helping someone and I'm pondering on best course of action (not helped by lack of docs from the OP). C/C debt passed from OC to DCA to another DCA, then returned to 1st DCA. Last contact was in 2009 or 10. Suddenly, N1 appeared, lodged by Drysden, of course. OP has no recollection of ever getting a default notice, assignment or anything like that. I've told him to acknowledge for now while I refresh my memory, but I am dithering on where to best handle it. I am thinking: - contact Arrows with CCA request. I am 99% sure that there will not be compliant paperwork, the CC was obtained in 1996 or 7, so odds of a valid contract existing are I think highly improbable. Even if by miracle it still exists, the odds of it having all the required elements and being legible etc is just as remote, IMO. - request paper trail: default notice, assignment. The POC is very generic and vague and does not mention any date at which the notices were supposedly sent to OP, which make me suspicious, in the past, when I have been hounded, if they had followed the paper trail properly, they would say so straight away. - defence: putting claimant to strict proof of, well, pretty much everything: the amounts, assignment, etc. What annoys me is that at some point, the debt became SB then one of the DCAs managed to scare OP into starting payment anyway (he didn't know anything about these illegal tactics)... The aim is either to get the claimants to see they won't get an easy ride of it a nd that this is one defendant which won't go down quietly, a nd hopefully discontinue sooner rather than later. If that doesn't work, then make sure that them chasing after a debt which became toxic a long time ago costs them a lot of money and work by the time OP gets to court. Any opinions, advice, have I missed an obvious trick? Fire away and thank in advance.
  14. Bookworm
    That is quite an incredible judgement: That it finally recognises the spiral of debt effect and its mechanism, which is something we have been arguing for years. I only skim-read it, but I feel quite blown away, hearing echoes of things we were saying in 2006, long before the OFT derailed the issue and condemned us all to more servitude.
  15. Bookworm
    Absolutely. There is no concept that this could be permanent, worse luck. BUT is it a major reprieve for now, especially for those who have been stuck on the revolving door of assessment/denial/appeal/win/re-assessment etc, the extreme duress heaped on the most vulnerable, hounded to death in too many cases. Add to this that Atos are seeking early release from their ESA contract, there is no doubt that the thing is in complete disarray (which we all knew, only the DWP didn't know, apparently!), and with the elections looming in May 2015, they may seek to use this as a political lever, you know, "we listened" rubbish, hoping to sway a few people into voting them back in. *shudders* Either way, it is a step in the right direction, even if temporary, even if not everyone benefits, it is still great news for a lot of people, and we have to take comfort in the small things for now!
  16. Bookworm
    The story comes from B&W, which I think the link is not allowed, so instead linking to the Welfare News Service report of it, hope that's ok, this is an important story: https://www.facebook.com/WelfareNewsServiceUK
  17. Bookworm
    There is every hope. I am currently fighting them in the courts on the same kin d of nonsense, they issued a claim for which they have no agreement, but thought they could get away with a quick CCJ, £500 or so, peanuts to them, but lots of peanuts add up... They've ignored my CPR request (twice). My defence is quite simple: No, I don't owe you a penny, I don't even know who you are or purport to be, prove it and if you can't prove it, go away, and I have have every intention to make sure that every pound they're trying to extort from me will cost them as much in either money or effort or both. We have a set date for court now, they have to pay another £80 by end of February to the Courts, and at this point, I do not know whether they will chance it hoping for a win at the end or whether they will cave in now and cut their losses. Either way, there is no way I am paying them a penny until a judge tells me I have to.
  18. Bookworm
    Really not a good idea. As I have pointed out a few times, MKDP will issue MCOL if you ignore them in the hope of getting a quick default judgement. Whatever else OP does, ignoring MKDP is not the way to go.
  19. Bookworm
    Yw.
  20. Bookworm
    Hiya. I am not talking about your credit record. Presumably, MKDP are saying you owe the money? Their next step will be to try and force you to pay be getting a CCJ on you, which means them issuing a court claim through MCOL (Money Claim Online), hence my warning to head them off.
  21. Bookworm
    Context is irrelevant here, it's the structure of the sentence which is incorrect, Andy. it is denied I have never ever had a bank account with an overdraft facility for the amount claimed. Do you see? That sentence doesn't make sense. You're welcome.
  22. Bookworm
    Just be careful, unlike other bottom feeders, MKDP will issue MCOL in the hope of getting a quick undefended default judgement. Make sure they know you won't give in easily.
  23. Bookworm
    "it is denied I have never ever had a bank account "
  24. Bookworm
    Oh, snap, I have one of them too, I'm a bit ahead of you though, mine has just got to the assigned a date in my local court, got the paperwork last week. (8th May is the date) FYI, I sent the CPR request straight away and they never replied to it, even with me reminding them of it. As far as I can tell, they are doing it by rote in the hope of getting default judgements, even the POC is identical, but time will tell. They now have to pay their £80 fee to the courts by 20th Feb or their claim will get struck out. The claim is only about £500, and I am mildly interested to see if they're going to chance paying out or if they will cave in now. I will let you know. (PS: No, I don't have a thread detailing all this, I keep myself to myself these days)
  25. Bookworm
    No changes to DLA until they turn 16, where they'll be expected to claim PIP. If award runs out before they turn 16, re-apply for DLA. Most kids are being awarded it until they reach their 16th birthday at the moment, the DWP is cutting corners as they can't cope with all the backlog. Remember that even an "indefinite" award only means until 16th birthday as an adult claim will have to be made then (for PIP).

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