You can have 10 year battery life smoke alarms fitted to your home for free when you request a Home Fire Safety check by the Fire Brigade, the link here is for the Avon and Somerset area (Although Avon no longer exists) but it is a government backed scheme so should be available in other areas. I was repairing the computer for a Fire fighter who told me about it, he said you get a visit from a fire safety expert who will advise fire safety measures and fit alarms where required, registering you for a visit when the batteries are due for renewal. There is little reason to burn to death now.

What a stupid comment. Did the computer appear in court to give evidence? Simply because it appeared on a computer screen - * does not mean the notice was actually printed out * does not mean the notice was actually posted (unless they obtained a certificate of posting) * does not mean the notice was actually delivered (unless a receipt was obtained) If they wish to offer in evidence the details of their procedures which ensure that the notice is at least posted then they will have to ask the court for permission to introduce hearsay evidence. I'm not an expert on this but hopefully others here will be able to expand on this poi

Can someone take a look and see what they think about this agreement. I really need to have default removed and I think this is unenforceable? any help much appreciated http://i940.photobucket.com/albums/ad241/FERGAL71_2009/barclaysagreement.jpg

i think its CH/4018/2007 I hope this helps?

You can still redeem it if you have the receipt.

Hi Jan4a, There are further links within the one given below, that explain the process of appealing against having to repay any overpayments... What to do if your benefit is overpaid

If you did inform them in time then you should challenge this because in that case you have been sent the wrong letter. If they were too slow to implement the change or the system was too slow to stop the payment from being released, you should not have to pay back the overpayment. The templates are made by the legal and policy department.

oh gosh Vicky please do as others have said, and report them first and foremost i really wish you had that phone call on record, but dont call them ever again, tell them in writing what the conversation was and tell them all in writing from now on - as you were lied to as now you have investigated and found their comments untrue. it costs them money to bankrupt you but be extra vigilant if you should get a courier to deliver you a package, if they are thinking of processing that threat, get someone else to sign it if you are suspicious it could be from them;) the law does not give them enough time for the 1st dec to ma

Many thanks, LIBM ! Not much is made of the fact that (S 141) CCA 1974 grants to the County Court Sole Jurisdiction for ALL Consumer Credit Act matters - ALL CCA matters - in fact Parliament was so anti- the Common law Courts that Section 141(2) deems an action started in the High Court as "improperly brought" if it is not transferred immediately to the County Court, as the designated Court of Competence. So, why the Common Law Courts (High Court and above) overturning many County Court Judgments ? Picqued are we ? Let's see if BOS V Mitchell is appealed - doesn't look like it will be, does it ?, thanks to a very competent District Judge,

Are you able to scan up the "agreement" they sent you. I cant believe that they are allowed to issue court proceedings without going through the correct procedure. Which is Default Notice.. usually after 2 or 3 missed payments. Formal Demand and THEN court action. You say the date of issue on the claim form is 9 November 2009. Was this issued out of Northampton Bulk Processing Centre ? If so, you have the following timeline. from date of issue + 5 days to receipt Then you have 14 days to put in your acknowledgement of service. Then a further 14 days to put in a defence. ie 33 days from the date of issue on your

Hi and welcome to the CAG first thing is to send the phone harrasment letter, secondly is to report them to Trading standards and the OFT, third is to write a strongly worded letter laying out what you have done to date and that no response within 7 days will nessecitate further action by you, also include in the letter that this debt until proven otherwise is stat barred and any further attempts to collect or attempt collection on it is deemed unlawful. these **** have no morals

Hi ruinedbynatwest. See Link, http://www.bw.libertycredit.co.uk/BOS.pdf LIBM

I am technically the owner NO your dad is the owner then there can be no question of Joint and several liability: enforcement (council tax)

What happened to Cabot when the shock of consumer backlash hit them was that their staff become inundated with complaints and requests for information. This puts strain on their usually scant basic admin team and they have to 'rearrange' the office and jobs. They got swamped and I wouldn't be surprised if that hasn't happened already at Swift, it's a major shift in operations on a daily basis and they will not have been expecting this explosion in backlash...they take their eye's off the ball, lose their cockiness and then they start making even more mistakes than they do normally. That adds to the burden of even more letters to answer, puts

The goods would have been sold and as such would breach the following part of the SGA79 (a) fitness for all the purposes for which goods of the kind in question are commonly supplied, as well as (3) Where the seller sells goods in the course of a business and the buyer, expressly or by implication, makes known— (a) to the seller, or (b) where the purchase price of part of it is payable by instalments and the goods were previously sold by a credit-broker to the seller, to that credit-broker, any particular purpose for which the goods are being bought, there is an implied term that the goo

Off topic I know (which is kind of the way things are flowing at the moment ) If you want to embed the picture to your thread like this :- and put the link in the little popup.

The PPI Excel Spreadsheet at the top of PPI forum can work out differant interest rates so have you had a look at the formula on that one. PF

Time Retail Finance Limited was founded in 1988 and is based in London, United Kingdom. As of February 6, 2002, Time Retail Finance Limited is a subsidiary of GE Consumer Finance. 6 Agar street London, WC2N 4HR United Kingdom send them a SAR to find out what they have on you

You did it a few days ago:D I will send you a quick email so you have mine too fox

Just one point. Whilst replying to another poster it reminded me about cars. The DVLA only record the keeper not the owner of a car. Often this is the same. In my case it isn't. I'm the keeper but my sister is the owner, she paid for it and lets me use it in exchange for the odd trip here and there. All the documents, eg insurance etc, being in your name does not prove ownership by any means. The Bailiff will just assume. So are you really the owner of the car? Or did a friend or relative buy it and you have free use? Makes the world of difference...

Hi Loz, I am attaching my amended Statement of case, you will see that I am only seeking the removal of a default although I have claimed damages that is of secondary importance to me. Please feel free to copy any bits that might be useful. I have no specific expertise in civil litigation so please have someone look at your pleadings. Good Luck Amended Particulars of Claim 1.The Claimant had a Premier Direct current account number xxxxxxx ("the Account") with the Defendant which was opened on or around 1st November 2006 and closed on or around 12th February 2009 2. 1. The ac

Walking possession fees listed on a seizure of goods and inventory form.......are these allowed if weave not actually signed a walking possession form?? yes its legit (unfortunately) what goods have they listed on it (if a car is it on HP finance) some goods are exempt from levy if you tell how much the liability order is for i will work out the levy fee for you

That form is totally unenforceable - not one prescribed term nor even a fleeting reference to any T&Cs. Read this thread it's the same issues here http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/213040-martin-cabot-financial.html

You are most welcome Lowwill. Please try not to pull yourself down. The only reason you feel like a fish out of water is because you haven't had to deal with something like this before. I was just like you. All you can do is read similar threads to your own to get a better idea of how things went with others and follow the advice you see on those threads. As you have quite a few debts, I imagine you will lose a couple but you have also had wins already and that has to be good for the ego I come on the forum most days (yes, I have no life:rolleyes:) so it's no trouble to respond to any query you have (so long as I know the answer)

Unfortunately, Stringer has in many ways left crucial issues unclear. See: Sickness and annual leave: HMRC v Stringer In particular, in your case, have you left it too long to claim? But some important questions remain unanswered, for example: can employers force employees to take annual leave when they are sick? if an employee does not specifically ask for holidays during sick leave, will the entitlement be lost at the end of the holiday year Too be honest this matter is far from concluded and the recent ruling in Pereda, may mean that the UK Gov't has to amend the WTR 1998, so very much a case of 'watch t

Amend this to suit: The Data Controller Capital One Bank (Europe) plc PO Box 5616 Nottingham NG2 3JU Dear Sir/Madam, Your ref: I am writing in connection with an alleged credit card agreement with the above reference which is in dispute. The alleged agreement was terminated on (date). I do not acknowledge any debt to Capital One Bank (Europe) plc or any companies affiliated to Capital One Bank (Europe) plc. Capital One issued a Default Notice on (date) prior to terminating the alleged account on (date). This Default Notice is unlawful and in terminating the alleged account without issui