Mediation in Debt Law – Don’t Let the Debt Collectors Beat You in Mediation When Sued for Debt

Mediation in Debt Law – Don’t Let the Debt Collectors Beat You in Mediation When Sued for Debt

This video helps the pro se defendant prepare for mediation. warns of pitfalls that could cause you to lose your shirt in mediation and shows you how to come out ahead. Explains how the mediation process works, how the mediator will probably run the session and what he or she will say, and even what the debt collector’s lawyer is probably going to say. This video tells you exactly what to expect so you can prepare for some of the pressures you’re going to feel without being surprised by them. Don’t Lose Your Shirt in Mediation!

What makes everybody have a good chance against a debt collector is simply the way the debt collection business works. Junk debt buyers buy huge “tranches” or “portfolios” of debt — sometimes many millions of dollars of “nominal” debt at a time. “Nominal” debt means that is the amount that is theoretically owed, although the companies selling it, like the companies buying it, “discount” the value of debt depending on how long it has been in default (or based on other risk factors). Debt collectors buy huge amounts of the riskiest debt for pennies on the dollar.

Then they harass and dun the people who supposedly owe the money for a while, and then they file suit, often against dozens or hundreds of people at a time. Because the debt collectors are doing everything in “bulk,” they cannot really spend much time on individual cases. If you fight them, therefore, you have an excellent chance to make them go away — it’s simply too profitable for them to pursue the many who do not fight rather than the few who do.

If you hire a lawyer  or a Mediation Alderley to fight for you, they are more likely to drop your case faster, but if you fight them intelligently even without a lawyer you will have an excellent chance to win the suit on your own. And this, again, is because every time you file a pleading, a motion, or discovery, or pursue any of your rights or potentials in the lawsuit, and every time you force the debt collector to appear in court, you are costing them money — money they hate to spend on you when there are so many others who won’t fight.

James Bulger’s Parents ‘Horrified’ Over Ruling

James Bulger’s Parents ‘Horrified’ Over Ruling

The father of Merseyside toddler James Bulger has said the announcement that one of his killers is to be freed from prison “fills him with terror”.

Ralph Bulger, in a statement issued through his solicitor Robin Makin, said the family was “disappointed and dismayed” by the decision to release Jon Venables.

He said: “In 2011 the Parole Board determined that it was ‘not safe’ for Jon Venables to be released. It is not known what has changed. No reasons for the decision have been given.

“The decision to release Jon Venables is misguided and fills Ralph with terror.

“Ralph fears that an innocent person may be mistaken for Jon Venables and be injured or even killed.
If such occurs then Ralph will feel guilty of not having done enough to have prevented such an obvious tragedy.

“For Ralph and his family the living nightmare continues and is exacerbated by the problems now created by the reckless decision to free Jon Venables without any publicly disclosed safeguards.”

Venables, now in his 30s, was jailed in 2010 after admitting downloading and distributing indecent images of children while on parole from his life sentence for killing two-year-old James.

He was originally jailed for life alongside 10-year-old classmate Robert Thompson in 1993 for the abduction, torture and murder of James in Bootle. This year marks the 20th anniversary of James’s murder.

The two boys were released on licence with new identities in 2001.
Earlier this year James’ father and mother, Denise Fergus, both addressed Venables’ parole hearing and pushed for him to remain in prison.

Mrs Fergus, who broke the news of Venables’ release on her Twitter page, said: “I got a call from the Probation Service, but they only told me that the parole has been approved and that preparations are being made for his release.

“I have not been told what conditions they are going to impose and even whether he will still be banned from entering the county of Merseyside.”

She added: “I’ve been fighting for justice for James for 20 years now and I will continue to do so.”

A spokesman for the Parole Board said today: “We’ve had confirmation that all parties have been told and we can confirm that it was a release decision. He (Venables) will be released.”
A Ministry of Justice spokesman said: “The re-release of life-licensed offenders is directed by the independent Parole Board once they are satisfied they can be safely managed in the community.

“Their life licence lasts for the rest of their lives, and they may be recalled to prison at any time for breaching their licence conditions.

“Additionally, they will be subject to strict controls and restrictions for as long as their risk requires them.”

Venables’ former solicitor Laurence Lee said: “My thoughts go out to Denise Fergus and the rest of James Bulger’s family.

“But the Parole Board have decided that he can be freed and he can’t be kept inside forever.

“Jon Venables may be at liberty but he will never be free.”

Mr Bulger released a book – titled My James – earlier this year in which he described blaming his former wife for letting their son out of her sight.

He also said he drank two bottles of whisky a day to escape the pain and that he considered suicide after his son’s murder.

Planning ahead: The dementia guide

Planning ahead: The dementia guide

This film looks at planning ahead after receiving a dementia diagnosis. Contents include financial matters, benefits, making decisions for the future, driving and working. Hear from Gary Vaux, Head of Money Advice Unit at Hertfordshire County Council, Chris Belcher, Chair, Solicitors for the Elderly, and people living with dementia.

Once you have had a chance to adjust to your diagnosis, take time to ensure your affairs are in order. It’s important to make sure that all your essential documents can be found easily.
Things to think about include: details of your bank accounts, tax, benefits and pension, as well as mortgage or rent documents, insurance policies and your will.

The dementia guide is for anyone who has recently been told they have dementia. This could be any type of dementia, such as Alzheimer’s disease, vascular dementia or mixed dementia. It will also be useful to close friends and family of someone with dementia, as it contains information for anyone taking on a caring role.

A diagnosis of dementia can cause a range of emotions. The news might come as a shock, or, for some people, it may bring a sense of relief as it provides an explanation for the problems they have been experiencing. It can also have a big impact on family and friends.

If you, or someone close to you, have recently been diagnosed with dementia, you might be feeling angry, frustrated, worried, fearful, sad, embarrassed, lonely, guilty or even relieved. Everyone is different, but all these reactions are possible at different times and they are all normal. How you feel will probably vary from one day to the next.

If you can, talk to friends and family about how you’re feeling. Other people need to understand what you’re going through. They might be finding things hard too, so talking can help both you and them. There are also specialist health and social care professionals you can talk to for support.

You may find these Alzheimer’s Society services – and other useful organisations helpful for further information and support.

If you’d like to talk about the information in this guide, please phone Alzheimer’s Society’s National Dementia Helpline on 0300 222 1122 – calls are charged at a low-cost rate.

The Helpline is for anyone affected by dementia and is open 9am–5pm Monday–Friday and 10am–4pm on Saturdays and Sundays. Trained helpline advisers can provide you with information, support, guidance and signposting to other appropriate organisations.

Throughout this guide you will see suggestions for Alzheimer’s Society factsheets You can order these by phone on 0300 303 5933 or email

For factsheets specific to Northern Ireland, please contact your local Alzheimer’s Society office.

It’s important to know that you aren’t alone – about 850,000 people in the UK have dementia. It’s possible to live well with dementia and there is support available for you and your family.

This guide has been produced by Alzheimer’s Society with support and funding from the Department of Health.

Thank you to Lloyds Banking Group for supporting The dementia guide in 2014 and 2015.

Interested in getting the latest updates from the Society?
Follow us on Twitter —
Like us on Facebook –

Who are we?

Alzheimer’s Society is the leading support and research charity for people with dementia, their families and carers.

What is dementia?

The term ‘dementia’ is used to describe the symptoms that occur when the brain is affected by specific diseases and conditions. Symptoms of dementia include loss of memory, confusion and problems with speech and understanding.

Support the fight against dementia and visit us at

If you have concerns about Alzheimer’s disease or about any other form of dementia, please contact the Alzheimer’s Society National Dementia Helpline on 0300 222 1122.

Alzheimer’s Society
Leading the fight against dementia

‘Real risk that innocent people will be convicted’ – Advocate on controversial joint enterprise law

‘Real risk that innocent people will be convicted’ – Advocate on controversial joint enterprise law

Watch the full episode here:

Simon Natas, solicitor and higher courts advocate specialising in crime and human rights law, talks to Going Underground host Afshin Rattansi about the law of joint enterprise. He explains that it stems from duelling in the 19th century, allowing them to convict not just the duellists but also the seconds that came along. Nowadays, it allows more than one person to be found guilty of the same offence, including controversially situations where someone can commit an offence without intending it should be committed. For murder, the prosecution must prove intent to kill or cause serious bodily harm for the person that dealt the fatal wound, but for people present at the scene who ‘encouraged’ or ‘backed up’ the stabber, all they need to do is ‘foresee’ what the person who killer might do, not even necessarily intending any harm to the victim. He believes it sets a very low bar to conviction, running a real risk of innocent people being convicted. This will undermine faith in the criminal justice system, and make it impossible to do its job of convicting the guilty. He reveals there is even a case from the 2011 riot in Birmingham, where someone fired at a police helicopter, but someone was convicted with no evidence that he fired the shot, had the gun, or was even particularly close to the person when the gun was fired. He believes one easy change could solve these problems – that you must intend the crime, rather than simply foreseeing it, and this would lead to justice for those innocent and guilty. And mandatory sentences are also a problem, and should be retained only for those intending to kill, and for those who intend serious harm rather than death, the judge should be given discretion, and whilst still able to hand down long sentences, not be obliged to hand out life sentences.

LIKE Going Underground
FOLLOW Going Underground
FOLLOW Afshin Rattansi
FOLLOW on Instagram

Family Law Ireland-Access,Custody and Guardianship

Family Law Ireland-Access,Custody and Guardianship A look at the family law in Ireland issues of access,custody and guardianship for separating couples.You can seek orders in the District Court for access, custody or guardianship(if you are an unmarried dad)..

How To Be A Good Tenant | What Does This Mean?

How To Be A Good Tenant | What Does This Mean?

Having problems getting your deposit back? 👎 Got a Landlord you just can’t get on with? Maybe you are a landlord and your tenant is a nightmare and is being difficult and you don’t understand how to resolve it!

Find out top tips on how to be a good tenant and get the best out of your tenants when renting to them with this 7 part video guide on the main areas where you can turn from being just any old tenant into being a GREAT tenant!

Alasdair from Hawk & Chadwick Ltd Estate and Letting Agents in St Albans and Harpenden, Hertfordshire, discusses the elements of being a great tenant that can ensure you have a happy and healthy Landlord and Tenant relationship when renting property in the UK. 👍


The information in this video and all other videos published on this channel or via our social media outlets is for entertainment purposes and general guidance on your rights and responsibilities and is not/does not constitute legal advice. If you need more details on your rights or legal advice about what action to take, please contact an adviser or solicitor.

Please visit our Social Media pages;

Website –
Facebook –
Twitter –
Youtube –
Instagram –
Pinterest –
LinkedIn –
Google+ –
Tumblr –
Flickr –

Company Law – Instruct a Barrister through

Company Law – Instruct a Barrister through

Whatever Company Law issues you have, our expert team of Barristers and Solicitors can help you to solve your problems, and take away the headache and difficulties you face in getting the issue sorted.

Visit now for more information :

Dana – The Far Off Place (1971)

Dana – The Far Off Place (1971)

A special request from a Korean viewer. Though this is originally an LP recording, I think it is worth for uploading.

Dana, an irish singer who won the 1970 Eurovision Song Contest with “All Kinds of Everything”, sings a song for a 1971 UK/Irish film, “Flight of the Doves”.

The film’s story told of two orphans: Dervel (Helen Raye) and her brother Finney (Jack Wild), who live with their cruel guardian, Uncle Toby/Tobias Cromwell (William Rushton).

One night, Cromwell receives news that the kids’ mother, Cromwell’s late sister, has left the kids a fortune, which they will inherit when they come of age. However, if anything should happen to the children, the entire legacy will go to the only other surviving members of the family, Cromwell and his evil and equally abusive half-brother Hawk Dove (Ron Moody), a struggling magician and mimic who works in the seamy nightclubs and theaters on London’s West Side.

Seeing a chance to get rid of the kids and unjustly claim their fortune, Cromwell plots to do away with the kids and get their inheritance. Fearing for their lives, Finney and Dervel pack up and run away from home. They take the ferry to Ireland, so that they can get to their maternal Grandmother, Bridget O’Flaherty (Dorothy Malone).

Seeing his meal tickets running off, Cromwell calls in the Police and sends a false arrest warrant against his sister-in-law, claiming that she kidnapped his children. Adding to their problems, Uncle Hawk also gets a letter from the solicitor about the Dove legacy and he also tries to do away with the kids, so that he can get the monies from the estate.

Luckily for the two kids, they finally make safely to their grandma’s home, Uncle Hawk is captured by the police and Cromwell is exposed as a bully and unscrupulous opportunist. The fate of the two children is decided by tough but kindly Judge Liffy (Stanley Holloway, best remembered as Alfred P. Doolittle in the stage and screen versions of MY FAIR LADY). He turns the two children over to their grandmother. Cromwell is sent to jail and Uncle Hawk escapes without ever being arrested.

I saw the film about five years ago, and although the film itself was only a mixture of Clichés, this song really appeared haunting to me. This recording was from a Japanese Columbia pressing of the original OST LP album.

It is little bit scratchy than ordinary LPs, but I hope you will enjoy this.

Trees Blocking Your View::New laws provide solution. Sunshine Coast Solicitor- Argon Law

Trees Blocking Your View::New laws provide solution. Sunshine Coast Solicitor- Argon Law ** If you would like to see other videos from us then SUBSCRIBE to our channel and view our website!**

Do your neighbours trees block the view you used to enjoy across your neighbours property?

The law has not traditionally recognised that home owners have rights to a view, but a new law in Queensland since 2011 has changed that to some extent.

In this video, John Gallagher from Argon Law will tell you how to protect your view.

The Neighbourhood Disputes Resolution Act makes land owners responsible for:
-Ensuring that their trees do not cause substantial, ongoing and unreasonable interference with their neighbours use and enjoyment of their land.
-Allows a neighbour to apply to the Queensland Civil and Administrative Tribunal (QCAT) for an order if the interference results in an obstruction of their view.

There are things involved that clarify these laws, such as how high the blockage of view has to be and other limitations, etc.

If you fear that your view will be lost:
– Take photographs
– Record dates
– Let your neighbour know that your view must be respected.

Argon Law would be happy to assist with an application to QCAT, or with any other issues to do with trees, like over hanging branches.

Housing Law – Mortgage Possession & Rent Arrears

Housing Law – Mortgage Possession & Rent Arrears

Joanne Ellis, head of housing law at Stephensons gives an overview on the issues faced by residential tenants both social and private.

Including how we could help if you are facing eviction or the repossession of your home.

If you would like to speak to a member of our housing team for advice and any related issue call us on 0333 344 4885.

Housing Law at Stephensons

George Galloway interviews former MP Jerry Hayes on punishment of England riots

George Galloway interviews former MP Jerry Hayes on punishment of England riots

From The Guardian:

Civil liberties groups have warned that the court system will be clogged with appeals by people convicted of riot-related offences seeking to overturn lengthy terms of imprisonment.

“We know the courts are swamped with cases and handing down hurried and overly punitive sentences [that] will result in many criminal appeals which will act as a further drag on the system,” said Andrew Neilson, director of campaigns for the Howard League for Penal Reform.

“While it is understandable that the courts have been asked to treat the public disturbances as an aggravating factor, this should be balanced against the key principle of criminal justice — that of proportionality.”

The Sentencing Council for England and Wales, which produces guidelines for judges, has not met since the riots and insisted on Wednesday that there had been no discussions regarding the appropriate sentencing of rioters. The Ministry of Justice also denied asking the council to amend its guidance on future unrest.

Gillian Guy, a solicitor and member of the council and chief executive of the Citizens Advice Bureau, said that if magistrates had been told to disregard the guidelines, “then they must be satisfied that to apply the guidelines would be contrary to the interests of justice”.

She added: “There’s not one sentence for each crime. There has to be a range, because there are various factors that come into play. There’s room within the range to take into account … other activity that’s going on. We look for consistency and fairness and whether people understand what’s going on.”

But there was further evidence of sentencing inconsistency when it emerged that a 19-year-old from Bream, in Gloucestershire, who posted messages on Facebook encouraging people to vandalise a local shop during last week’s riots, had not been brought to court — in contrast to two youths jailed for a similar offence at Chester crown court on Tuesday.

Joshua Moulinie had posted a message on his Facebook wall urging people to damage the Spar store in Bream. He was told to write a letter of apology to the shop owner by way of punishment. He has since posted defiant comments on Facebook, saying he was not sorry for the remarks.

“It was a very, very blatant joke, I’m not sorry at all for it,” he wrote. “I’m sorry for the reaction it caused, but not for the action. Also can I make it very clear I never intended to riot? The police are sound. I have no problems whatsoever with them, they didn’t even charge me.”

The solicitor representing Jordan Blackshaw, 20, who was jailed for four years at Chester crown court for posting Facebook messages, confirmed he would be appealing against the sentence. Chris Johnson said: “Jordan originally set up the Facebook site for a joke, which he accepts was in bad taste and inappropriate, and he is remorseful.”

When assessing a sentence, judges are entitled to take the need for deterrence into account. According to the Sentencing Council’s standard list of the five purposes of sentencing, “the reduction of crime (including its reduction by deterrence)” comes second after “punishment of offenders”.

It states: “This includes individual deterrence (aimed at preventing the individual offender from committing another crime) and general deterrence (using the sentence imposed on an offender as an example to deter others from committing a similar offence)”.

Since the Coroners and Justice Act 2009 judges have been instructed that they “must follow” sentencing guidelines rather than merely “have regard to” them. They can still disregard them where they believe following them would be “contrary to the interests of justice”, but they must explicitly state their reasons.

George Galloway speaks to former Conservative MP, barrister and all round good egg Jerry Hayes. They talk about whether the sentencing is lenient or should be harsher for these folks. In particular, a young woman who got 5 months for handling a cardigan. She has since been released on appeal.

Galloway also talks about how the 2 idiiots who called for more rioting in England through Facebook got 4 years. He also called for the idiot who called for the EDL who wanted to murder Galloway on Facebook should also get 4 years.

Hayes wrote a scathing article about Simon Hughes for being a hypocrite. Hughes called for the rioters to be punished severely, demanding watercannons and curfews to the rioters. He is now calling for leniency.

Originally broadcasted on talkSPORT 19th August 2011.