Saving Grace - Could this get any worse for someone

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Hercule Parrot
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Re: Saving Grace - Could this get any worse for someone

Post by Hercule Parrot »

mufc1959 wrote:
PeanutGallery wrote:Having had a read of the thread following Apple's involvement I have to say it's quite disturbing to see such aggressive idiocy.
Yeah, even the bloke winding up Apple had more of a grasp of the situation than Apple.
Applemuncher is likely to be the CAG poster bhall, who comprehensively demolished applecart's silly fantasies about mortgages. If so, he's a professional with first-class legal expertise, see this epic 6,000 post topic.
http://www.consumeractiongroup.co.uk/fo ... ing-signed

On the penultimate page it becomes clear that the member "Is It Me?" has followed apple's advice with disastrous results.

The linked video on GOOFy shows the eviction - https://www.youtube.com/watch?v=U51r-roJqwU (skip to last five minutes to bypass posturing GOOFy's trying out their legal theories on bemused cops and bailiffs). Another householder out on the street after trusting advice from an idiot on the internet.
"don't be hubris ever..." Steve Mccrae, noted legal ExpertInFuckAll.
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Re: Saving Grace - Could this get any worse for someone

Post by AndyPandy »

Oh dear Grace has taken the bait and bitten into Apples Action Fraud ploy. How this guy has managed to turn a Crime reference number (ie a report of an alleged crime) into actual proof a crime / fraud has been committed is anyone's guess.

Seems completely oblivious to due process and any possible thought that you're innocent until proven guilty in a Court of Law, can you get any dumber than this guy ! :shrug:

http://getoutofdebtfree.org/forum/viewt ... k22dHrfWK0
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Re: Saving Grace - Could this get any worse for someone

Post by ArthurWankspittle »

Is an Action Fraud reference number a Crime Reference number though? I'd wonder that AF give out reference numbers for their own tracking purposes and it doesn't get a Crime Reference until the Police pick it up and investigate. Not that it matters of course because the bankruptcy hearing will still go ahead unaffected,
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Re: Saving Grace - Could this get any worse for someone

Post by mufc1959 »

ArthurWankspittle wrote:Is an Action Fraud reference number a Crime Reference number though? I'd wonder that AF give out reference numbers for their own tracking purposes and it doesn't get a Crime Reference until the Police pick it up and investigate. Not that it matters of course because the bankruptcy hearing will still go ahead unaffected,
As I understand it, the Action Fraud rubbish Applecart is telling Saving Grace to do relates to a secured creditor, Swift Advances. She was made bankrupt by a payday lender.

Swift already has security for its debt by way of the second charge on her home. It's this that Apple is urging her to challenge and to report it as fraud if some garbage about the date on the HMLR entries doesn't match something something something (I lose the will to live where Apple's posts are concerned, they're such utter bollocks, so usually stop reading past the first three lines). Swift doesn't care about her bankruptcy hearing as it won't have any effect on its position as a secured creditor.

And yes, Action Fraud issue you with a reference/tracking number when you file an online report. I have several relating to WeRe Bank/PoE. According to Apple, when the bailiffs acting on a warrant for Swift Advances come to evict Saving Grace, all she has to do is show them the email with the reference number and they'll go away. Hmm, yes, that'll work. :thinking:

But if the bailiffs are acting on a warrant for the first mortgagee or the Trustee in Bankruptcy, any challenge by Saving Grace to the validity of Swift's charge over the property is irrelevant. Actually it'd be irrelevant if they were acting on a Swift warrant too. It's just Applecart's bog-standard garbage that has no basis in law. But the fact Swift has a suspended possession order on the property rather suggests that its charge is perfectly valid in any event, so it's a moot point.

She's just wasting precious energy that she could/should be devoting to trying to sort something out with the Trustee in Bankruptcy by following this path Apple has set her. Experience shows this will end, as anyone following Apple's advice ends up, with her out on the street.
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Re: Saving Grace - Could this get any worse for someone

Post by JamesVincent »

To be fair showing them the number and telling them where it came from might slow them down for 5 minutes or so, whatever time it takes to call the station and verify that it is actually nothing. At least, if I was doing it, it would since I would want to CYA in a situation like that.

This whole thing reminds me and of Tara and Scott's escapades during them losing their condo, with Scott running around telling everyone he's right (enter Applecart) and Tara (Grace) sticking her fingers in her ears and going "nanananananana, I can't hear you". The truly upsetting thing about reading things like this is that people like Grace may very well have had legitimate claims at one point. Dealing with payday loans has become a science and there are attorneys out there who specialize in dealing with them. She sounds like an older woman who seriously screwed up her finances and needed some help to straighten them up when this all started. Now it's too late.
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Re: Saving Grace - Could this get any worse for someone

Post by Bones »

AndyPandy wrote:Oh dear Grace has taken the bait and bitten into Apples Action Fraud ploy. How this guy has managed to turn a Crime reference number (ie a report of an alleged crime) into actual proof a crime / fraud has been committed is anyone's guess.

http://www.getoutofdebtfree.org/forum/v ... 10#p427519

Image
Applecart wrote:CRIME REPORTS

NFRC Reference Number
Password issued
Will be reviewed by NFIB analyst if above scoring threshold


INFORMATION REPORTS

NFRC Reference Number

No Password issued
Will not be reviewed by NFIB analyst unless becomes linked to a crime report.
Applecart has posted the above which proves that a NFRC reference number is not evidence that a fraud has taken place and is issued even when the "report" isn't assessed. Nothing but a glorified reference number used for tracking purposes