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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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FOS Decision - Judicial Review


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WHi All

 

Background:

 

I was purchasing a property on mortgage (Clydesdale Bank) and it was a sub sale. Because of some delays at bank's side we missed the completion date and I lost about £60K. Losses fall into following categories,

 

1. About £20k - Penalty issued by the seller for late completion (this was already confirmed)

2. About £40k - Money lost in arranging the finances to complete on cash

 

FOS decision is in my favor.

However, they are awarding me only about £20K

(The actual penalty issued by the seller which I had to pay).

They are not considering my other losses even after submitting all the evidences.

 

So don't know what to do?

Already suffered a lot and still suffering.

 

Have 3 options,

 

1. Take about £20K and forget

2. Approach County court

3. Approach High court - Judicial review

 

Any guidance and help will be greatly appreciated.

 

Thanks in advance.

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They said that bank is not responsible for my other personal losses as bank fulfilled their mortgage promise after few weeks.

 

 

they are going to award me only the penalties issued by the investment company/seller.

FOS didn't care about my points and simply ignored it.

 

Initially they were not even awarding me the about £20K losses.

After fighting for it, they agreed for it over phone.

 

They were just awarding me £600 for interest penalty and £500 for stress etc...

 

Still waiting for their final response letter/mail.

 

Considering that its huge loss, just trying to figure out the best possible option now.

 

TIA

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  • 3 weeks later...

Received Provisional Decision by FOS. They will give Formal Final Decision on 16 Oct.

 

They are rejecting all my personal losses saying that it was my choice to arrange the funds for completion and penalties even though I have provided all the evidences and proper explanations for everything.

 

I am not sure what to do now? Its substantial amount about £40,000

 

Was thinking of writing to Caroline Wayman but not sure if it will help or work against me.

 

Any advice please? It will be highly appreciated. I have until 09 Oct to provide any comments.

 

Can't find any solicitor also who is willing to fight for me.

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