There isn't much really to report this quarter. DWP news (or blues!) The "benefits advisor" service on directgov has been enhanced to allow claimants to enter their details to receive a benefits estimate. Much in the same manner that "entitled to" aims for. From a personal point of view, I'd consider using both calculators to see how the estimates compare! Commencing in the new year is a new process which will eliminate the need for people in receipt of working age benefits to claim their State Pension. The Pensions Service will simply process State Pension entitlement using information they already hold on people who are

quick guide which im hoping people can expand on Look for freebies:- Many companys run free offers from time to time, there is sites on the internet which offer freebies however many of these seem to havest email addresses without ever providing what they offer. the best place to look for these offers is on free to use open forums such as moneysaving expert, a good example of this is coffee, one free offer just provided four differnt samples with around 8 cups per sample at a total of 16 cups saving me the cost of coffee. Get Paid for Eating out:- most people have heard of mystery shopping but have never looked into how i

this bit Financial News - Credit cards News - EU regulations will increase credit card refunds

sleep tight- you're home and dry!!

thhis is rollocks from hbos there is new legislation now that banks have to refund money reported as fraud with imediate effect while the investigation is going on IME SURE A LINK TO THE RELEVENT THREAD WILL BE POSTED IVE READ IT SO I KNOW THIS IS GOSPEL CANT STOP A PAYMENT GOING OUT ROLLOCKS ITS CALLED A CHARGE BACK

you understand correctly yes write to the council and remind them of THE COUNCIL TAX (ADMINISTRATION AND ENFORCEMENT) REGULATIONS 1992 (SI 1992/613 AS AMENDED BY SI 1993/773, SI 1998/295, SI 2003/2211, SI 2006/3395 AND SI 2007/501 (SCHEDULE 5) NOTICE OF CHARGES CONNECTED WITH DISTRESS 1. The sum in respect of charges connected with the distress which may be aggregated under regulation 45(2) shall be set out in the following Table- (1) Matters connected with distress (2) Charges A For making a visit to premises with a view to levying distress (where no levy is made) – i) where the visit is the first or on

Its the duplicity that amazes me. He complains about thugs in the streets then claims it's an honourable thing to punch people for making an inappropriate comment

Not that I'm aware of. Sheriff Officers can always get a Warrant of Entry if required. What's the point in using bailiffs when you can use a DCA for pennies instead?

Saw some of those clear plastic A4 pocket folders in my local pound shop - 50 for £1. See if you can get those & don't bother folding your docs. They're not sticky so wouldn't mess up windscreens - you could just put under wiper.

Here's one I prepared earlier Re: Account Number xxxxxxx Thankyou for responding to my formal request under the Consumer Credit Act 1974 for a copy of the compliant executed agreement relating to the above account. However, unfortunately the document you provided does not satisfy this request, in that it is an application form and does not contain the prescribed terms and conditions necessary to make it an agreement enforceable by the Courts. I am sure you must be aware, in the current climate, of what the prescribed terms are, but if you are in any doubt I will be pleased to elaborate. Consequently, until a valid executed agre

yes, any demand to pay the full balance of the account (which would then include sums not yet due) would amount to a termination since the other side is clearly indicating that the agreement is at an end the only exception being if the amount of the arrears outstanding equals the balance of the account

Nah probably one of his golf club pals doing him a favour lol.

Shops often have a 'policy' of no refunds. Sometimes companies refuse credit cards under £5. Some people have policies where they only issue credit notes and not refunds. This agent has a policyb of taking £200 and keeping it. However, policy and law are different. The £200 was taken as a deposit and the client was not told it was non refundable. They were also not told about a credit check. The fact that it is written on the back of a receipt is not binding as any contract has to be agreed verbally or in writing. She didn't sign, wasn't told and thus there was no agreement. they would lose in court.

In view of a number of threads relating to terminating with 3 on the 3G forum, I suggest that you contact them by phone to advise that you are leaving and get the name of the person that you are speaking to and also confirmation of the date and time that they have entered it onto their computers. Follow this up with a written request to the head office in Glasgow and send it recorded mail for a signature. Hopefully this will cover you as many people have complained that although they gave notice verbally it was never acknowledged on their systems and they could not transfer away from 3. As a follow up, phone back a week later and che

I note that is says on the receipt you added that it will not be refunded in the event of a failed application. That is your position. I do understand that is does not expressly state the money will not be refunded if you fail a credit check and it should be clearer. Have a go by all means, but I think you are going to have some difficulty. I would say that they have breached the DPA and that should be your angle to apply pressure. If you are going after them, then write a letter saying you are going to commence legal proceedings if they do not pay in say 14 days, but only do this if you are prepared to commence.

ok jimbo if the ccj/co were pushed through the courts whilst you were away then those will be your grounds for a set aside along with anything else you can throw at um when you have all the paperwork you are about to ask for What you need to do for starters is download a form N244 from your local court website, the fee for applying for a set aside at the court is £75 though:mad:. you need to start by sending a CCA request to restons, (template in the letters section) and a SAR to the original creditor (who ever the credit card was with) send recorded delivery, with a £1.00 postal order for CCA and £10 for the SAR, keep proof of

Hi Not an expert but I've got a Pay as you Go dongle. Mine gives me usage on my vodaphone account on laptop. Does yours? If so, might give you an arguing point? It does sound a lot. When I used dongle all the time, before I got broadband, I only spent £15 per month on it. I used it every day for about 3 hours but mainly for checking emails, facebook etc. Didn't download much.

Just to expand a little, the DN is only a pre cursor to termination, in one form or another and is\should not be termination. If the DN seeks to terminate an agreement by asking for the ballance in full, then it is faulty. Termination comes as either a letter of termination or an act of termination such as demanding the ballance in full, selling the debt on to a third party or court action. A letter of termination is solid proof of that action, although I have had a creditor deny that the account was terminated, even though I have a letter stating that. The other areas of termination are subject to argument by the creditor, when and if i

What if when I turn up at the hotel, they say "sorry, you're not coming in, but we are still going to charge you the £750"? Bad example, or maybe very good one. You ARE protected by law and you CAN return goods which have a problem with them. You can't return them because you have changed your mind or found them cheaper elsewhere.... Ah, but MOST shops have a policy where they will either match prices or allow you to return the goods for whatever reason on top of your statutory rights. Why? Because the know that if they don't, people will vote with their feet and never come back somewhere which is that intransigeant when there are plenty of

The solicitor is incompetant. He has sent you a bill that belongs to the landlord? That is personal financial details that should not be disclosed to you. KEEP THE LETTER! The receipt he refers to is proof of service on you of the notice. Not required unless you claim not to have received it - a common trick. Ok, your dilema. You have receipts for all monies paid which is a very good thing in this case. As a guess, the money has not been passed on to the landlord. When you took out the tenancy, what were the payment arrangements? Pay the landlord or pay the agency? You have been served notice and that is a legal document, so yo

apart from the fact that there is not yet an admission of liability- maybe not so simple eh and lets not start with the old "you only find out how good your insurance co is when you need them!" - you are making assumptions, without seeing the insurers file notes, we would not know what they have done, they may be preparing to issue, they may be on their last review. then again, we can't all be perfect ULR employees can we. trinity, who are the insurers; one of us may then be able to advise you on their litigation tactics. have you sent a diagram & description to your insurers?

EIE/Crapstone first time for weeks no guests you've frightened them all off,good on you,the constant frustration does get to you,you sign a bit of paper and give yourself a life sentence until some deaf bufoon totally out of touch with reality rubber stamps the repo and maybe you live again? but the bitterness never leaves.I used to be proud to be British greatest country on earth , now, I'm downright ashamed ,the crooked incompetent smug self interested assholes who have run this country into the ground couldn't run a corner shop.They are the same as the scummers who conned us.They sleep at night thinking what a good job they've done,they

I'm assuming that the POC came with nothing attached! You need certain info to know what you're defending. Check this post, particularly posts 7, 10 and 26. http://www.consumeractiongroup.co.uk/forum/legal-issues/236115-pumpytums-goes-northampton-help.html Pumpy is at a similar stage to yourselves. Get your paperwork ready and don't miss the date. M

Stop ringing people and write. Send them a letter, recorded delivery, outlining all you have said above. Make it crystal clear that the phone has been sent back fualty and you reject it. Give them 14 days to reply with their proposal. If they giev you a new phone, great. If they fix yours properly, great. If they say 'bye bye, out vof warranty'. Take them to court. Easy process and the judge always dislikes companies that behave like this. But, above all, STOP phoning them. Phone calls are all hearsay and worthless in court. he said, and she said, then he said..... Get it in writing. If they phone you, tell them to put it

It's not a fine. It's an unenforcible [problem] invoice. Don't reply to any letters. Don't phone them. Don't email them. Don't contact them in any way. Just ignore them. You'll get a few letters, followed by letters from a "DCA", (the next desk). If you're REALLY lucky, you'll get letters from a "solicitor", (These are sent by the teaboy or the office cleaner). Just.... Ignore. IGNORE. IGNORE ! If that doesn't work then just ignore them, some more. Eventually, they'll go away and start bothering an easier target.

14/11/09-Waiting :120.00 14/11/09-Attendance/Van : 110.0 14/11/09-Levy Fee : 33.00 they cant charge van fee the same day as a levy fee and there is no such thing as a waiting fee and if you paid the debt the same day there should not be a levy fee

thanks mate. there is a real sense of confidence within the ranks, a confidence that i have not seen since the start of UCA claims. off the record quips from both sides barristers also display this confidence.

LOl, no, it's just I need a bit of time to absorb it all. Big scoop: Under my brash confident exterior, there is a very insecure, anxious, and unsure of herself person. I am now being told left, right and centre from people who know me that they never doubted me, but *I* doubted myself. I really didn't think I could win this and I am still reeling from the fact that I did. I'll post more tomorrow once things have sunk in a bit, I'm still at the "I cannot believe it!" stage.

no interest is added on the letter stages. i have always done this on all the claims in the past.

Here it is, remind them of their legal obligations: