Tag: UK

Credit card debt loopholes, do they really exist?

This article is based on my experience of the credit industry in the UK. It may or may not be relevant to those living outside the UK that should make entertaining reading all the same.

There is much talk of loopholes in the Consumer Credit Act which allegedly allows a person to get out of paying their credit card debt without paying. Many companies have sprung up offering, for a fee, to analyse your credit card agreements and where appropriate applied to have your debt quashed.

Since many of these companies charge upfront fee it makes no difference to them whether or not they are successful. The question is, is it true that a person can get out of debt without paying?

The answer is yes.

I write from personal experience, a long time ago prior to the Internet revolution huge, well-known finance companies, made a very risky decision in that they chose not to comply with the specific terms of the consumer credit act. They did this because they thought the legal jargon that was required to be added to for example, a credit card application form, would scare people off.

What they didn’t realise was, with the advent of the Internet, the sharing of knowledge, would bring about a revolution. Today thousands of people are successfully challenging the legality of their credit card and other unsecured debt agreements.

This is because many of the agreements and lack essential legal terms and the consumer credit act specifically states that no judge is allowed to find in favour of the creditor should the case come to court.

If you have ever received a small slip of paper tucked into your newspaper telling you to sign here for a credit card or loan, you will know the type of inadmissible consumer credit agreement I am talking about.

The reason consumer credit agreements need to contain specific information is because they are an important legally binding document and the person signing it needs to be made aware of their contractual obligations.

I personally was in debt by more than 50,000 and by sending a series of letters and challenging debt collectors, solicitors, finance and credit card companies I was able to bring about a situation whereby for almost 2 years now I’ve not made a single payment not received a single letter, no court summons, no solicitors letters, no contact from debt collectors and no phone calls. The method used is completely legal and it is also possible to maintain a clean credit record in many cases.

The laws I called upon included the Consumer Credit Act the Protection from Harassment Act, the Fraud Act and the Limitations Act amongst others.

I can assure you that it is entirely possible to get out of debt without paying in a huge number of cases, especially if you’re agreements dated prior to 2007.

For more information on this subject search any major search engine for the term credit card debt loopholes

Due to the growing popularity of entertainment streaming websites like Hulu more and more people in the UK and Canada are looking for easy and cost effective ways in which they can legally access these websites. The problem is that websites like Hulu and Netflix restrict their services to specific locations. However, with the use of a Hulu VPN in UK anyone can very easily gain legal access to these websites and can begin enjoying all the streaming entertainment they want to take advantage of. This is by and far the easiest way that you can go about watching Hulu in Canada or Netflix in the UK.

In order to acquire a Hulu VPN in UK the first thing you will need to do is run a quick online search for service providers. When you do this you will be surprised to discover that there are literally hundreds of such providers. At this point you will need to take a little time to begin comparing these services providers. Always be certain to fully investigate each and every VPN service that you are considering making use of. You want to do this to ensure that you are finding a company that has unlimited bandwidth and that guarantees high speed streaming.

When it comes to watching Hulu in Canada you should keep the following information in mind. This information has assisted hundreds of individuals in the UK and in Canada in choosing the very best VPN service provider available to them.

The first thing you should be aware of is the type of devices that you will be using to access Netflix and Hulu. Many people just want to use a PC or MAC to access these websites while others want to use their mobile phones or gaming systems. You should be aware that many VPN services available are limited to PC or MAC use only. Therefore, if you do want to use other electronic devices you will need to make use of a VPN that permits this and is capable of this.

Many VPNs limit the amount of bandwidth that you are capable of using each month with their service. This is one of the most important things that you will want to look into. If you desire to watch a high volume of movies and television shows using one of these services then you will most likely want to only consider those services that do in fact offer unlimited bandwidth.

You will also want to consider speed. Many VPN services reroute their services so much that their speed rates are really low. If you desire to experience high streaming quality then you should only rely on those service providers that guarantee high speeds and that dont over-route their services.

One of the very best service providers that you can choose to subscribe to is UnoTelly. They are a top rated VPN service that specializes in providing individuals in the UK and in Canada with access to the very best US based streaming entertainment websites like Netflix and Hulu. They offer fast speeds, unlimited bandwidth and very competitive pricing.

UK Wholesale Shoesindustry projects mammoth prospects for manufacturers of quality leather shoes. The price of a good pair of leather boots is higher in the UK then it is anywhere else in the world. This alone has been a major enticing fact for the illegal smuggling of animal skins, especially those of exotic animals like crocodiles and snakes, or more specifically pythons and anacondas. South American and African region in general and Amazonian areas in particular have become the hub of such illegal activities of hunters who would go to any extent in order to get some quick bucks.

While there are laws against animal killings in South American and African countries like Brazil, Puerto Rico etc but the government has not been able to curb the practice. The illegal hunters, who are already armed and lethal, have so far been able to not only evade capture but also stay one step ahead of their governments. This obviously has been made possible with the help of outsiders who, driven by the high demand of exotic leather, have plunged into this dangerous but very lucrative wholesale business as well. Foreign help has created further problems for governments of such countries and for them, catching the perpetrator have become even harder.

The UK, among many other places in Europe, has a ferocious appetite for leather bags, belts, leather studded wrist bands and other accessories. While the UK is the first country in the world to pass animal right laws, it has not been able to help African and South American countries combat animal rights violations on their soil. As far as the local wholesale shoes UK manufacturing industry is concerned, the use of illegally smuggled leather has not been fully contained either. Despite the strict laws in the UK, local manufacturers have feed the steady demand for crocodile and anaconda leather shoes.

Other than the legal issues, the animal rights groups in the UK also have been vocal against the use of exotic animal skins in product manufacturing. Daunted both by the law and such animal right groups, wholesalers and manufacturers resorted to innovative methods to meet the local demands. The creation of synthetic crocodile and anaconda leather has been one step towards meeting these demands without having to rely on the supplies of illegal animal hides. While it has been marketed widely, the response it gathered has not been as per the expectations. In the end, gist of the matter is that the illegally smuggling skin of exotic animals can only be stopped if and when people stop using their products.

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With the rise in career opportunities in outside country the number of people applying for Australian and UK Visa has increased. There are a lot of reasons why people going for the visa is beneficial. Those mains the reason is of course the fact. That they want good job or study market and college in other country for making a booming and the opportunities for immigrants are many mainly due the inability of Asian population to meet the demand. There is more country is large in size the population is rather small which means the chances of you.

There are many educational opportunities in different country. There are a lot of good institutions who offer quality education to international students and getting a degree from an Australian university is equivalent to getting a degree from any reputable institution while the costs involved are lower. Visa consultancy service India offering legal services.

The new system which is known as Tier 1 (General) is just like the same as the previous one. Only few points has been changed or added in the points-based immigration system. First change came into existence from April 03, 2006. The change was rule HC-1016 of immigration. According to this, earlier Highly Skilled Migrant visa holders who were promised to get settlement after four years, as per new system they have to be in queue for five years before applying for Indefinite Leave to Remain. The second change in HSMP came into existence from November 08, 2006. It was an introduction of new points-based assessment system for all migrants whether they were currently working in UK or from outside UK looking to migrant. This change faced lots of protests because many migrants thought that this kind of changes will force them out of UK. For more information contacts us – 00-91-9212188888,8010807979,9711113635,9818733536,9911161144, 8802021177,00-91-9811294295,Malik Batra,Batra,Abhay Batra,Abhay Veer Batra

According to the newly published survey, “Future of Legal Process Outsourcing (LPO), 87% of in-house counsel noted that it is more difficult to manage legal risks related to company data than compared to five years ago. Additionally, 69% of those surveyed say they have seen an increase in spending on managing legal risk and compliance over the last five years. The survey was conducted by UK legal journal Legal Business in partnership with Clutch Group in December 2013 and received responses from over 200 senior in-house lawyers in the UK, Asia, and the US.

The Legal Business survey also revealed that LPOs have a large role to play in helping companies tackle large data and help companies mitigate risk. Highlights of the survey include:

*80% of respondents say they expect to see the Legal Process Outsourcing industry expand and improve its services over the next five years.
*58% of respondents say that LPOs and law firms need to work together on compliance and risk matters.
*37% of in-house lawyers say that LPOs are better equipped than law firms to use advanced technology and to use data and risk analytics.
*In-house counsel are using LPOs primarily for investigations and due diligence exercises; general litigation support and eDiscovery are close seconds.
*The UK LPO market is less developed than the US: 38% of UK-based respondents say they have used LPOs for legal work, compared to 50% in the US.
*An increase in the level of civil litigation is seen as the biggest driver behind rising legal costs. Greater scrutiny from regulators is close behind.

According to Alex Novarese, Legal Business’ Editor-in-Chief, “Our survey demonstrates the tremendous challenges and pressure facing today’s in-house counsel. From rising costs to exponential growths in data, in-house counsel are looking for efficient and cost-effective strategies to manage these new realities. If alternative providers can satisfy blue-chip clients – and a sizeable group of clients report that they do – they will keep moving up the value chain.”

These survey results and comments are in line with a number of expert predications that the next five years will see new market disrupters that begin to change the fundamental nature of legal service delivery. These new LPOs will not just focus on lowering the cost of legal services, but will try to reinvent the model altogether. There will be continued experimentation in developing new platforms for delivering legal services that will allow in-house counsel to focus on high level advisory work rather than routine assignments work. In all, the future looks bright for the LPO industry.

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