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    • I had to call an ambulance for my wife, but one of the paramedics was not happy, about the condition of our house, as it's cluttered. And he  would only see to my wife, on the ambulance itself. After diagnosis they took my wife to hospital. My wife was ill for a few months, and received help from the district nurses. We then got a call from a social worker, who wanted to visit us, and discuss ways to make my wife more comfortable. When I asked for more details, she became vague, but could give us a phone number, if she visited. I politely declined her offer, as I was coping, along with my daughter in caring for my wife. Then a letter arrived from another social worker, saying similar things, to the first. I didn't bother to reply. Another letter has just turned up, from the social services legal department, which doesn't say anything specific, but refers to the other social workers trying to visit us. Coming from a legal department, has badly upset my wife, who's recovery was on going, and she now fears that someone will be coming to the house, to do whatever. Do we have to respond, or take notice of these people. Also we recently had a fire prevention officer come and fit, smoke and heat detectors. He didn't voice any concerns with the conditions at the property. Worried, Paul.
    • By not sticking to the deadline which you set you have lost credibility. Your letter of claim becomes one of hundreds of others which they receive and which they put in the bin because they think that you are just bluffing.  
    • 05.05.24 Ever so sorry if I have entered this in the wrong part of this website.   My grandfather is in his 70's and retired.  He asked me to help him find a work pension that he was paying into when he was working. From 1967 - 1982 he worked for a Fabric Dying Company, Celanese, Spondon Derby UK. I have already used the GOV.uk Trace Pension Scheme. It listed a few pension companies : Akzo Nobel (CPS) Pension Scheme formerly Courtaulds Pension Scheme.  I do not fully understand how this works but I think this scheme is administer by a company called Willis Tower Watson. We have called this company, got through to the pension department submitted all my grandfather's details (D.O.B. , N.I. no. etc.) but that agent tells that they have no record of my grandfather and ask what is the name of the pension scheme. Here is the problem, his home was burgalled in 2005 and a briefcase which contained his legal documents was stolen. So he does not know who was the Pension Scheme company. I have a this phone number 01332 681 210 for Celanese but it just rings and never gets answered. So I am asking for help if anyone can tell us where we can try next. I am also hoping for a massive long shot that one of them members on this website, worked for or knows someone who worked for British Celanese Spondon Derby and could tell us of any pension company. Thanks for any help.
    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Not sure if I've got this in the right place, but I'm sure the Mods will put me right.

 

I have just received a letter from Acenden stating that after the last BBR change in March 2009, my monthly payment was incorrectly set owing to "fees and interest" applied to my account not having been included in the payment amount. This will apparently result in a shortfall on my mortgage of £1155.51 over the term of the mortgage.

 

They say my options are to increase my payment by £10.41 a month over the term (9 years and 3 months remaining = £1155.51, seems OK) OR make a lump sum payment of £109.58 How does that work?:???:

 

My payment has only been at the current amount since October 2009 anyway, not March.

 

Has anyone had a similar letter, or know what this is about? Obviously I don't want to be left with a shortfall, but an alarm bell is ringing in my head which says the numbers don't add up. I am just about to go trawling back through all my mortgage letters, statements and other papers to see if I can shed any light on it that way, prior to a telephone call later today. Wish me luck!

Edited by celtichedgewitch
Spelling (twice)

C1 - letter requesting refund of PPI (£2875.60 before interest, £3281.38 with interest) 16/08/07

C1 - letter requesting refund of charges (£48.00 before interest, £54.11 with interest) 16/08/07

C1 - £48.00 credit to card account as 'goodwill gesture'

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'fees'

 

you mean you've been charges fees for late/missed payments

 

if so

 

you owe them nowt on these

 

get reclaiming.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Nope - haven't missed a payment or been late since the date in question, and they haven't offered me an explanation of what these fees and interest are for.

C1 - letter requesting refund of PPI (£2875.60 before interest, £3281.38 with interest) 16/08/07

C1 - letter requesting refund of charges (£48.00 before interest, £54.11 with interest) 16/08/07

C1 - £48.00 credit to card account as 'goodwill gesture'

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ok

i'm gonna move this to the mortgage forum

 

there are lots of other threads on capstone there to read too

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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