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Showing content with the highest reputation on 06/12/08 in all areas

  1. Petition to: end discrimination against the mentally ill and other disabled people, by making it unlawful to ask potentially discriminatory questions in the job application and interview process. | Number10.gov.uk
    2 points
  2. Just to put the cat amongst the pigeons!! :rolleyes:I thought an overdraft wasn't covered by a CCA request and got slated as I am just a "notivate poster". Someone asked this question in another thread. I said as far as I am aware an overdraft is not covered by a CCA request and suggested to the OP to send off a SAR to find out what charges had been applied. As I say I was slated cos I don't have green blobs at the end of my name!! Here is what was said on the other thread. I have left out the bit were I was slated for obvious reasons:mad: Originally posted by pinky69 "Section 74 (1) (b
    2 points
  3. Hi The IP have had their money & are now faced with a year or so's work without much more. Therefore your friend and the IP now have a mutuality of interest in ending the IVA as soon as possible. I am not an insolvency practioner but I have been through one myself. My advice is that the IP will be very motivated to help your friend end this nightmare. What with property prices as they are the IP has a good chance of going back to the creditors to have a full and frank conversation about the realities of your situation and the decisions you have to make in the current financial cr
    1 point
  4. Hi dj I'm happy for any of this advice to be corrected, I'm no expert on Tort or Contractual Liability, and I think there could be issues in tort and contract here. Obviously you need to look at the the OLA 1957. Occupiers' Liability – What does it all mean? :: Personal Injury Compensation Related Articles You would need to prove that the employer (he): a)He is aware of the danger. - ice should be common knowledge b)He knows/has reasonable ground to believe that the person is in the vicinity of the danger - he knows staff use the car park c)He should be reasonably
    1 point
  5. Fedup We really seem to be hijacking Taz's thread but i'll say my bit. I have no problem being told when I'm wrong but Nobody will disrespect me. That's the problem as I see it, lots of different personalities who say things in a way they think is ok but another person sees it as bad mouthing. Your post was as reasonable as I'd expect. you did so politely and as such you deserved a respectful reply which I hope I did. With text replacing actual words it's so very hard to show emotion or humour even with emoticons so I always try to take a minute to form a respectful reply. I've said th
    1 point
  6. Very easy to get wound up about these things. You want to see my flatmate when it happens to him (actually, you don't - it aint pretty!). I understand fully that these things are very frustrating and you wonder why the hell you should give any quarter. But a court, if it came to them, would not see it that way. It is on that basis that I post my advice. I look at all the worst case scenario, look at all the problems that could arise, think about it being me and what I would do. I do not take risks. When I do something, I make damned sure I am in no position to lose. It do
    1 point
  7. Absolutely great news just confirmed from the SundayTimes ....its front page, with main article on page 4. Deb & Duncan
    1 point
  8. Further to the above post, which I still need answers to if anyone can help, I have been studying all the paperwork for this IVA and have realised that on the initial IVA proposal my friends were in a negative equity situation, based on the forced sale value of their house at that time. In that situation the advice of any IP worth their salt would have been to go bankrupt. So does that mean that the IVA was mis-sold? I seriously think it was but have no idea how to go about sorting this. I am sure I will be finding out shortly and will keep posting about progress.
    1 point
  9. I do think bankruptcy is the last resort but it may come to that if one of your creditors take you to court. As I see it, that is your only asset. Have a look at the letters ida has given you the link for. there are lots of ideas in there to choose from. With your creditors, if you start a different thread for each one(if you want to that is) and keep the peeps on here informed of your progress, we may be able to help you reduce your liability. For example, if a creditor has no valid credit agreement, you can then decide whether to stop paying them, agree a substantially reduced monthly am
    1 point
  10. Hi MR, Adapt this as necessary to reflect your own case. Dear Sirs, Account Number: XXX Re; your recent reply to my request under section 77-79 of the Consumer Credit Act 1974 I note that you have replied to the above by sending a copy of your companies current Terms and conditions I must inform you that this is not sufficient to comply with the request and that your company is still in default under the act. To clarify, just sending the Terms and Conditions is a breach of the Act and Regulations as, apart from the information that the Regulations provide that yo
    1 point
  11. TICK ............TOCK ............
    1 point
  12. Hi lowwill, Totally ignore it. I've seen a few of those on the forum and they are fishing for information. You haven't said you're going to court so why are they asking, worried? The only dispute is that they haven't provided your agreement yet (if at all) If you were defending yourself in a criminal trial, would you give the prosecution your evidence before they had provided theirs. Didn't think so, so don't worry about it. fox
    1 point
  13. Devious gits, ignore them. They are being way too presumptuous in hinting at possible legal action, without that CCA it's never going to happen. So why put yourself out and furnish them with anything for a court case that may never see the light of day? Another one for the ignore pile.
    1 point
  14. No prescribed terms, so completely unenforceable.
    1 point
  15. You've answered your own question - as this document stands - it is an application form - nothing more. They could no more use this document to sue you than a roll of Andrex's finest!
    1 point
  16. Hi and welcome to CAG How much has he tried to offer them? If it was a reasonable amount and they do go to court the judge will not be impressed if you have tried to sort it out with them. Are they still adding interest and charges? Are you actually paying them anything at the moment? And are you sure it is an enforceable CCA? Just a few questions to start with;)
    1 point
  17. Whatever else you do, you must go to the Court on the day to argue your case. I went some time ago with several points to argue my side of the case. Because i was present in Court, the Magistrates asked the Plaintiff a few searching questions to which the Court didn't like the answers. The result was that the case was dismissed without me even saying a word. Had I not gone there, the case would have been heard in my absence and rubberstamped. Lisa when the Court papers were sent to you they would have included a section where you could apply to have the case heard in your nearest Co
    1 point
  18. No. That would still be an abuse of process. The default etc. should be registered in the new companies name but the dates of the default and any relating to the CCJ should remain the same.
    1 point
  19. If they knowingly give false information to the CRA's which can be proven to be false then that would be fraud and can also bee sued for libel
    1 point
  20. Head Office pass it to their complaints departments. You can either request a copy of their complaints procedure, which they must give you, or write to The Manager, The Complaints Department at the address you have for them. I write in bold at the top Complaint against (Bank/ Dca) for breaches of (Laws) then outline the correspondence that led to the complaintand at the end the action I expect them to take to rectify the dispute. I put a sting in the tail that I am going to take legal action against them if they do not stop their unlawful behaviour and as current holders of the account, the
    1 point
  21. Lmao SH (Am huge fan of your prose already! lol) My baby bro is currently representing queen & country & Helmand (2nd tour) & needs every bit of support he can get so if there is any charitable contribution to be made this year it will be in the sending of tinsel & santa hats to help decorate the tents & cheer my wonderfully brave (& just a little daft) brother & the rest of his company during their not very festive tour! (2 yrs ago Gordan Ramsey flew out off his own back & cooked em all turkey bless him! Made em all smile i can tell u!) Anyways, This F&F
    1 point
  22. RBS will say anything to evade telling the truth and their true legal position regarding these matters, they need taking to task by the regulatory bodies, who regulated them and somebody needs to tell them the error of their ways. I have and they just ignore me:rolleyes: well at least for the last year. They are not really so ignorant or uneducated regarding what they can and cannot do regarding the enforceability of unenforceable agreements, they just hope the poor customer will be ignorant of the laws placed by parliament for their protection. They then go on their automated onslaught
    1 point
  23. Oh if you want any help with the EX160 let me know and i will draft you one out to show u.
    1 point
  24. In the first instance - take the remains of the packet back - with the rubber band to tesco's and speak to customer services. I have no doubt that they will apologise profusely and make an offer of compensation. Since there was no real harm done then I wouldnt expect the offer to that significant. although they should refund/replace the bag.as well as compensate you. It is unlikely they will ask you to prove that the band was, indeed, in the packet - unless you have a habit of taking stuff back under similar circumstances. During the manufacture of foodstuffs there is always the pos
    1 point
  25. You could always send them this letter. The only downside is that it stops them calling you, which makes life a bit boring after a while and stops you having fun with them. I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY Dear Sir, Account no: You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that due to the failure to supply a copy of the signed, executed Consumer Credit Agreement this account is in dispute. In not ceasing collection activity whilst investigating a reasonably quer
    1 point
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