Jump to content


Leaderboard

  1. dx100uk

    dx100uk

    Site Team


    • Points

      276

    • Content Count

      129,553


  2. Andyorch

    Andyorch

    Site Team


    • Points

      239

    • Content Count

      57,358


  3. ericsbrother

    ericsbrother

    Registered Users

    Change your profile picture


    • Points

      142

    • Content Count

      16,964


  4. citizenB

    citizenB

    Registered Users

    Change your profile picture


    • Points

      127

    • Content Count

      72,764



Popular Content

Showing content with the highest reputation since 30/09/10 in all areas

  1. 4 points
    Hi This is something I done a while ago when helping a veteran and have just been updating and checking all details for the past week before posting. Thought this may be of use to others it in PDF Format so you will need adobe to open:
  2. 4 points
    I run a local work club where I help people with IT problems such as setting up email accounts, UJM accounts, CV building, basic Maths and English etc (voluntarily) and we had a new person arrive today in tears. It was his first time signing on and in his own words has no idea about computers, never used one, doesn't know how to turn one on etc. After calming him down and telling him I was there to help he told me on his very first visit to the JCP that unless he has an email account set up, UJM set up and a CV printed and saved he would 'be liable to sanction' Bear in mind he has no skills IT wise and only very basic English and Maths skills and no PC access he would not have a clue how to do any of this and would have risked no benefit money and an automatic sanction on his second visit. I told him that the JCP adviser was a bit extreme and as long as you initially show evidence of what you are doing to find work the email account, UJM and CV can be done in the coming weeks. He said he would do this to his adviser but the adviser, or coach or whatever they are called this week said it has to be done by his 9am appointment on 25th. Luckily he used his common sense and found the work club and I was able to do it all for him this morning BUT me doing it doesn't solve the problem, he needs help and training to do it himself especially if using UJM and email regularly. In my opinion the adviser/coach has set him up to fail at his first hurdle. He then told me the adviser/coach wants to see evidence this had been done so I printed a copy of his CV, noted his email address and password on paper and his UJM gateway code and advised him not to show his password to the adviser/coach. He also said he has to tick the authorisation on UJM, I said "leave it unticked, it is not mandatory for you to let them have access" but I wondered should I have done this to save him aggro - if he gets pulled on it I will fight his case for him. All in all, as the title says, I think he has been set up to fail from the start. In other news, unemployment is down, funny that being the summer season, but now that is over let's see the next set of figures - oh, and what about the thousands moving to ESA from JSA?
  3. 3 points
    the most imporanat thing about a "no parking or stopping" sign is that it is prohibitive in nature. the only reason a parking co can charge you for anything is because you have entered into a contract with them and then either owe them money as a contractual agreement or as a result of a breach of contract. A sign saying "no parking" or "no stopping" isnt an offer of terms for parking and if you think about it if it was an offer of terms the only way of forming a contract would be to break it so unfair terms anyway. What you have considered so far is part of the whole story from your point of view and if you follow that by explaining as you are how you eneter the land, what you see (or dont) and what happened to your vehicle then you end up withat least 4 reasons as to why no contract was formed and thus broken so you cant owe them money for the same. as said earlier, they know they are on to a hiding to nothing but wont admit they are wrong becasue they will never earn a penny ever again as they would know their demands are just plain fraud and will wait and see what you have to say before chucking the towel in so they dont have to pay you your costs of whipping them in court. At the end of all this you will have a cast iron case for suing them if you have the stamina for a return match as they have obtained and processed your personal data without a reason for doing so. again they will whinge that they thought they were right but they have lost so many cases of this nature (esp at Liverpool airport) such a claim is laughable but again hope that you dont go after them. If you feel like winding them up go and park there agin after the court case and see if they dare issue you a NTK If they dont you will know that they are just chancers and have not a grain of integrity in them.
  4. 3 points
    If you bought insurance you ought to have been given a policy document - that should tell you how to claim. I’m pretty sure that it will be a different process than just writing to customer service. The document might even have a special number to call for advice on how to submit your claim. Do you have this paperwork?
  5. 3 points
    the key thing here is that the first you heard about the unicorn food tax being added was from someone who has nothing to do with anything so even if there was small print about extra collection charges on the signage ( god knows which would be applicable out of the forest of signs they have) then it would be an unfair contract for more than one reason anyway. by the way you owe me £999 for this advice, my terms were available to see on the website ww.imanhonestcrook.con, page 19 bottom paragraph section 16(b) subsection 4(f) so you definitely owe the money as I deemed that you read and understood the terms.
  6. 3 points
    all sites are bound to have teething issues, especially when you upgrade from one platform to another. You cant make all changes on a test forum and transfer over, as the backends could be different, plus people are still making and replying to posts all the time. Believe me, been there and done it, many a time. On multi million pound websites. it may seen straightforward to the layman, but sadly web development is never that straightforward. For this site, its even more compounded as the old webmaster is sadly no longer with us, so any code he made has to be translated and interpreted by the new one, and if its not optimized code it can be very difficult to work through as the slightest change could impact something totally irrelevant.
  7. 3 points
    just type no need to keep hitting quote, it just makes the thread twice as long to scroll through to find you reply. its not for you to prove its not statute barred by for link to do it. if you wanted to be really funny with them , use the address of the grave yard or the cremation parlour that was used!! hope you don't mind the humour but link are thick as 2 short planks, they don't care who pays it, there must be a mug out there somewhere we can fleece.
  8. 3 points
    To Whom It May Concern I wish to enter the following statement against my application for the position of *********** and in mitigation of a criminal conviction which appears on my Disclosure document In August 2003 I was convicted of using an insurance document with intent to deceive and of driving whilst uninsured. I received a licence endorsement which resulted in a driving ban and was ordered to pay costs. The circumstances were that I foolishly purchased what I thought was a cheap insurance policy through a magazine and did not check sufficiently the validity of the insurance. I was caught, did not seek to evade justice and pleaded guilty to the offence in Court. It was a mistake for which I paid a heavy price and I resolved to never find myself in a similar position in future. I had no previous involvement with the law, and am proud to say that I moved on from this offence and have not been in trouble since. I fully understand that in such a position of trust, any criminal conviction must be looked at when considering an applicant for employment, but would ask that the circumstances of my case are taken into account and that my one indiscretion is not considered sufficient to prevent my application from proceeding. Yours faithfully My suggestion above No need for pages of detail, in the big scheme of things it is a relatively minor offence which would not automatically show you to be fundamentally dishonest or a danger to vulnerable people, so a bare statement of the facts and that you have learned your lesson and not reoffended should be sufficient
  9. 3 points
    I have bred pedigree cats for over four decades and it breaks my heart every time I see someone taken for a ride when buying a pedigree kitten. The aim of this thread is to demystify the whole process, to let you know what we breeders do so you know what to look for beyond the obvious clean eyes, flea free coats, and only one litter a year stuff you already know to ask. There's nothing special or magic about a breeder. Anyone can be a breeder and with cats it's quite normal for a breeding girl to be kept as any pet cat would be. What makes us different to a pet owner who simply doesn't bother to get their cat spayed/neutered is a passion for a particular breed partnered with acceptance of a set of rules and recommendations set by our chosen registry. By far the biggest in the UK is the Governing Council of the Cat Fancy (GCCF). Breeders can and do register kittens with others eg The International Cat Association (TICA) and the Federation Internationale Feline (FIFe). None is in any way better or worse but throughout I'll use the GCCF for links and examples because I understand them the best and know where to look on the website. None of them are statutory bodies but they have become accepted as a benchmark of proof that the kitten you buy is a pedigree. That's what a registry is, a database carrying details of every pedigree kitten ever bred by breeders who choose to belong to that particular 'club'. So how do you become a member of that mysterious club? You join a cat club which is affiliated. There are specialist breed clubs (sometimes more than one for a breed) and there are area clubs eg the Suffolk & Norfolk Cat Club. Membership will cost you less than a tenner a year in most cases. Once you've paid this princely sum you can apply to the GCCF for your 'prefix' - a name unique to you within that registry which nobody else can use. All you need to get this prefix is the signature of a breed or area club secretary confirming your membership and a fee of £75. Many then feel having a GCCF prefix means they can refer to themselves as 'registered breeders'. It's meaningless. It's nothing more than a word they have chosen to identify themselves and their cats. No checks are done. You don't even have to own a cat. What's the lesson to be learned from this? Ask your breeder if they are a current member of a cat club. It's the clubs which make policy on any given breed, recommend various health tests and disseminate information to breeders so the true enthusiast won't have joined for just a single year in order to call themselves a 'registered breeder' and don't be fooled by the term. It definitely doesn't mean the breeder is experienced or knowledgeable. There are plenty of wonderful breeders who never bothered with a prefix and plenty of bad ones who paid the money for one. In between there's the vast majority of us who are prefix holders but don't claim it makes us anything special - because it doesn't. One of the safest places to find a breeder is the breed club lists. Everyone listed will at least be current members. Just google your chosen breed followed by 'breed club' or 'cat club'. There are some lovely breeders who choose not to be members of a club but you need to know what you're looking for - hence this thread. OK, so you've found a breeder and they have kittens available soon(ish). Don't expect a pedigree kitten to be available straight away. You may just hit lucky, it does happen that there's a kitten not booked by 13 weeks old but it isn't the norm. What would you need to check? Well first of all have a look at adverts to get an idea of the price you'd expect to pay. Sites like pets4homes show prices so you can get a good idea of the range. If one person is asking £1000 when everyone else is sticking to the more normal £400 - £600 range you need to ask why. It tends to be the con artists who ask the most. If they claim to be a prefix holder you can check here that the prefix is indeed registered with the GCCF http://www.gccfcats.org/Portals/0/PrefixesAtoM.pdf http://www.gccfcats.org/Portals/0/PrefixesNtoZ.pdf and if it is that must at least mean the breeder has not been the subject of any complaints or disciplinary action, right? Wrong, so wrong. Once paid for that prefix is for life and cannot be taken away. The GCCF can (and do) suspend members and won't then allow them to register kittens but they can't remove that prefix from the list. The next check you need to do is here http://www.gccfcats.org/About-GCCF/Suspension-List The lists aren't that long because for minor offences it works a bit like a CCJ - pay the fine without delay and your name doesn't hit the list. I know perfectly nice breeders who have been there, myself included. A mistake in filling out a show entry form cost me £50. It's in the rules I signed up for that you get it right so I accepted the slap on the wrist and paid up. You don't get off that easily if you are found guilty of knowingly selling a sick kitten or the like so it's a list worth checking. It's still worth a look if your breeder says they use one of the other registries. It isn't unheard of for a breeder to migrate if they're on a disciplinary list for one and there are no checks in place between the different registries. Done all that and we've made an appointment to visit the breeder. You must visit the breeder and see those kittens before you commit to buy. I'll say it again - you must visit. Do not be talked paying a deposit to secure a kitten you've never seen. Before you go check if there are any required health tests for your chosen breed. The GCCF website has a page with every breed of cat they recognise. http://www.gccfcats.org/Cat-Breeds Click on your chosen breed and scroll down to the section on health where you'll find the information. As an example we'll take the Persian because most people know what that is and among other information this is what you'll see .................... Persians can carry a gene that leads to kidney failure (calledautosomal dominant polycystic kidney disease) through the development of cysts in the kidney. This condition was found in more than a third of all Persian and Exotic shorthaired cats in the 1990s when screening tests became available. Using DNA screening, breeders are now working to try to eradicate the problem – always ask the breeder to show the PKD certificates for the cats used to produce your kitten ............................................ How many hopeful Persian kitten buyers do you suppose insist on seeing PKD certificates? I'm pretty confident the answer is not enough! Arm yourself with the information and be prepared to walk away if you don't get the answers you want. Ask what other paperwork you'll get. You should expect a pedigree certificate complete with the registration numbers of every cat for at least the last three generations. This is constructed by the breeder, many of us use specialist software these days. Anyone can make one up - it's those all important registration numbers, unique to each cat, which can be checked and verified. Without them it's a worthless piece of paper. You should also get a vaccination certificate, signed by a vet, showing your kitten has had a course of two vaccinations, three weeks apart. Every breeder I know insures kittens for new owners. The two main players in this are Petplan and Agria. I know Petplan cover for 4 weeks, Agria may do for a little longer because they are trying to break the Petplan stronghold. There's no excuse, no possible reason for a kitten to leave a breeder without that cover. And then that all important registration document. It's a pretty insignificant looking card but this is your real proof of pedigree. It's actually a transfer certificate with the space to fill in your details if you wish to transfer the kitten into your ownership according to the GCCF. It is nothing to do with legal ownership and unnecessary for pet owners, it's only an internal administrative move and of course will involve paying the GCCF a further fee. The GCCF runs two registers, active and non-active. Breeders only place kittens intended for breeding on the active register and the GCCF will not register the progeny of cats on the non-active register. If a breeder is telling you the parents are registered pedigrees but is making any excuse for not registering the kittens then ask to see the parents' registration certificates(not the pedigree certificates) and check for 'active' status. If they're non-active or the breeder won't show you the documents then walk away. Those parents won't have been subject to any of the proper health tests if they aren't on the active register and shouldn't be bred from. Don't be conned into paying a much higher price if you want the 'papers'. Registration costs £9/kitten, it's the smallest breeding expense by many a country mile, so there's not a reason on this earth for asking a buyer to pay an extra £100+ as I've seen on some adverts - except maybe to put you off asking all those awkward questions. The price without documentation may seem a bargain but would you pay it for a barn born kitten off the local farm? Unregistered kittens are no different to the local litter of non pedigrees with no proof of parentage, delightful to have but they shouldn't cost hundreds of pounds. Remember most breeders are ordinary people with a passion for their breed, it's the con artists who can spin a good tale, have all the excuses and will try to convince you that there's someone else coming later who will take this last kitten if you don't make a decision NOW. Whatever they say, there will always be another kitten and if you know what to look for you will find the one you deserve.
  10. 3 points
    I've gone through your previous thread to try and distill the complaint so it is easier to understand. This took about an hour to do and I really don't want to do it again. Can other people in future try to follow a similar format! If this is incorrect in any way, or if there is something important missing, do say so. Following the same format. You became an Npower customer on 22nd October 2013. You were previously with Scottish Power at the same property. The property is a 2 bedroom end-terrace of relatively new (1995) construction. Npower sent you an email on 27th November 2013 stating your direct debit figure should be £72.63 to cover your fuel usage. This was a lot less than your previous supplier. You have made direct debit payments to Npower from January 2014 to February 2015, with amounts varying between £66.00 and £78.00 (total £1120.41 to date). You did not receive a bill from Npower and you were concerned. You phoned Npower during March 2014 to query the lack of billing and check your payments were covering your usage. You provided meter readings. Npower advised you everything was fine and that a bill would be generated and you should receive it within a month. You did not receive a bill from Npower and you phoned them in April 2014. You were advised nothing was wrong and your payments were covering your energy usage. A bill was produced on 3rd May 2014. Npower projected your annual usage would be £671.01 for electricity and £558.28 for gas (total £1229.29). Npower advised you were currently £22.07 in debit, although you had been previously told this balance would be cleared during the summer months. Another bill was received 24th June 2014. You were advised prices were going to increase, and also that you had used £361.41 of energy since the previous bill in May. Npower decreased the direct debit to £66, with no prior notification or explanation as to why. Npower email you on 6th July 2014, notifying you the bill has been produced. This prompted you to call Npower as you were concerned a mistake had been made. You were told not to worry; that the direct debit figure would revert to its previous amount and that a new bill would be produced. On 21st July 2014, your previous bill of 24th June 2014 is reversed. This appears to include the payments you had made also. On 21st July 2014, a new bill is produced with a statement to say you have used £585.04 in energy since the previous bill. Your annual projection is now £1140.92 for electricity and £644.39 for gas (total £1785.31). Npower advise your direct debit will increase to £150 per month. When you receive this bill on 25th July 2014, you phone Npower. You are advised the bill is in fact incorrect and your direct debit will stay at £72.63. In fact, Npower offer you to reduce your direct debit to £66 per month. You decline this offer to reduce your direct debit. You receive an email on 26th July 2014 from Npower, who thank you for changing your direct debit amount. On calling Npower you are advised your direct debit figure is now £72.63, which had been changed from £150 the previous day by you. You were unsatisfied with how it was being managed and explained the previous phone calls you'd had to the Npower rep. Npower apologised, cited problems with their systems which may have been the cause of this and you were assured these problems would persist no further. Either during your phone call of 26th July, or shortly after, you become aware that the meter number on your account is wrong [N.B. Which fuel? Electricity?]. You provided the correct meter number and were advised the system had been updated. On 1st August 2014, a direct debit payment for £66 is paid to Npower. You manually change your direct debit to £78 online, as you were not confident with Npower's staff over the phone and you wanted to ensure a debt balance did not occur. You did not receive an email confirmation of this change. On 6th August 2014, the bill from 21st July 2014 is reversed. A new bill is generated with the same usage figures but your direct debit figure is now quoted at £39.00 per month. On 8th August 2014, you manually change your direct debit to £78 online. This time you receive an email confirmation. Npower email you on 11th August 2014 to apologise for the problems you have been experiencing regarding your direct debit. You continue to pay your monthly direct debit and also make monthly phone calls to Npower to check the status of your account. You are advised everything is fine. On 5th February 2015, you receive an email notification that your direct debit will increase to £253 per month. On 5th February 2015, you phone Npower who advise there is no record of a direct debit amount of £253; their systems show £440 instead. You were asked to provide meter readings and also your meter numbers. You hear a countdown from an adviser in the background, followed by a loud cheer, followed by your call being cut off. You tried to call back but were informed the lines closed at 8pm. Your online account showed your account was in credit by £84.15. You notice the wrong meter serial number is shown for electricity. To protect yourself from what you believe to be an error with the direct debit, you cancelled the direct debit instruction with your bank as your monthly wages are £880. On 6th February 2015, you check your online account. It is unchanged. You phone Npower and speak to Amber. You ask to speak to a manager. Amber advises no managers are available as they are all in meetings. You ask to speak to the complaints department. Amber advises this department does not exist. Amber advises she will document your complaint. You try to explain the events over the past several months, but Amber continually interupts you with excuses. She then eventually puts you through to a manager. You speak to Phil Whitehead. He apologises for the problems and compensation is discussed. He advises the problems will be resolved. Your tariff is changed, but because you no longer pay by direct debit it is not the cheapest tariff available. You are given a complaint reference number. At some point, you attempt to change suppliers? On 7th February 2015, you are called by Phil Whitehead at Npower. You are advised that because you attempted to change supplier, your account is locked. He advises you he is unable to correct your meter number or perform any other resolution. You are advised more bills will be generated and more bill reversals will take place. He advises a complaint will be actioned over poor customer service. On 7th March 2015, you receive a letter from the Npower complaints team. You phone on 9th March 2015 for an update. You discover about half the details of the complaint don't exist on Npower's system. You repeat them. The adviser, Ashleigh, appears helpful and provides her email address for you to send photographs of the meter. She advises you that she should not be providing her email address to you, but must to resolve the problem. She advises no final bill will be produced until the investigations are complete. No timescale can be given for this. On 14th March 2015, Npower rep Ashleigh phones you. She advises that the meter serial number is indeed incorrect, but that Npower refuses to change the bill as although they knew it was incorrect - you did not do anything about it. You ask for all statements, bills and payments made on the account to be sent in the post. On 30th March 2015, you receive a letter asking why a payment was not made against your final recent energy bill. On 31st March 2015, you receive the final energy bill of £438.30. On 1st April 2015, you receive a letter from Npower asking you to call them. You phone and speak to Louise. She does not know why you are calling and you have to explain the situation again. Louise advises you the complaint on the system is not clear; Ashleigh has the complaint locked to herself. You are advised you will be called the following day for an update. On 2nd April 2015, you receive a phone call from Npower rep Ashleigh. She advises the complaint is not locked to herself and anyone should be able to help you. She apologises for the delay and advises you the complaint will in fact stay locked to herself, and advises you will be called back within 10 days. On 8th April 2015, you receive a final reminder for the electricity bill.
  11. 3 points
    The problem with debate is that other people will have views that do not conform to what you want to hear. If you wish to brush aside such views or tell them to go away then all you are doing is creating a thread with people who agree with you. Problem with a thread full of nodding dogs is that it does not improve your position unless you can argue constructivly against the points raised against you. Nor does it help any Poseter looking for advice if respondents blindly agree with no basis on which to do so, leading posters into worse situations. You asked for opinions, you got them. Sorry if you do not like them. Clearly your attitude is not geared towards a public open forum. I appreciate you have been through a hard time, matters made worse by your own inactions and that you feel you have a right to be angry. Maybe you should do a bit of soul searching and examine your own situation from an outside perspective. As for you dismissing any idea of point raised against you telling them to get lost, that leads me to think that you are in fact trolling this forum. I suggest you tone down the attitude and enter constructive debate, or maybe find a different forum more suited to your needs.
  12. 3 points
    In the interests of the Common Good I think the most public-spirited way to deal with an outbreak of Lowell is to make them work for their shekels. If you cave in and respond - even a "prove it" letter or CCA request - you are, ultimately, lessening their eventual load. Some on here seem utterly mesmerised by the fear of either a statutory demand [usu via Lowell's commission-earning boot lickers B W Legal] or a CCJ claim [usu via *arter, de facto in-house solicitors at Fredrickson, a Lowell group company]. In reality Lowell, obsessed with making as much money as possible while spending as little, do everything they can to avoid the dreadful pain of having to fork out a commission to BW or risk of costs in a CCJ claim. So they invariably kick their utterly boring slow torture letter chain into gear. Most seasoned debtors will be familiar with the process but, for the benefit of those who are newcomers, it normally comprises - 1 letter on letterhead of original creditor - about 5 or 6 on Lowell letterhead [starting sweet but soon claiming to know what underwear you have on] - 3 on Red DCA paper [Lowell in drag] - 3 from Hamptons Legal [Lowell wearing false teeth] - 1 from Lowell [swan song] : this step is sometimes omitted. nb: If Lowell are in a hurry [eg statute bar on horizon] or debt portfolio deemed highest degree of toxicity, they may fast track you, so only two letters each of Low/Red/Ham. It is after all the above that the real fun begins - and where you seriously need to sharpen your blades [eg firing off prove its, CCAs]. If you have property Lowell love to make you bankrupt. If you don't but have a decent income, they'll make do with a CCJ. If you don't have two pennies to rub together, they'll shuffle your "case" around a selection of their "approved" DCAs - eg Mackenzie Hall / PRA, B C W, Advantis - not to forget their very own Fredrickson Intellectual - with the aim reducing you until you become a crumbling wreck and plead for mercy in exchange for money which you can raise by selling your daughter. What I'm saying is . . . do be prepared for a bit of bovva from Lowell but do not fall at their feet at their first crack of the whip. If they have bought your Capital 1 card and it's pre-2007 it will most likely be either untraceable or unenforceable, so no need to be afraid. Nowt will become of Lowell's evil intent. If your account is nearing statute bar, a careful play of your hand increases the chances of getting you home and dry, intact. And in case you've read the tangled debates about causes of action for commencing the s b clock, Lowell do usually accept that it's from the first missed payment. Not because they want to believe that, but because they don't want to risk losing money on court cases with judges who do believe it. I wish you ex Capital One fans a happy ride through the Lowell Lunapark.
  13. 3 points
    Really ? Irrespective of the number of warrants served ? That is preposterous. You need to revisit fixed and variable costs/overheads (and appropriate tax relief). Say for example, and for ease of numbers, that it costs your business 500,000 gbp p.a to run the back office and bailiffs etc. And you only get 5 warrants to enforce in that financial year. Your stance would put the total claimable fees per warrant at 100,000 gbp (assuming all were satisfied and ignoring the profit element). If you got 500,000 warrants it would put the total claimable fees per warrant at 1 gbp per warrant (assuming all were satisfied and ignoring the profit element). Are you proposing a floating fee that goes down if you get moire warrants to enforce ? I think not. Sure there are costs of entry into the market place and critical mass issues - but they are there for all businesses to deal with. Yours included. Your suggestion would kill off the smaller, and so more agile and innovative, companies and reduce the field to just behemoths. And we all know that that leads to only to oligarchic pricing and customers being screwed And your industry has many vulnerable customers. You get your business model wrong, and that includes you agreeing bad bargain contracts, and the consequences are yours. Across the industry as a whole outrageous charging is endemic (look at the Council parking tickets forum !) there is no 'one spreadsheet solution'. It is not a case of one size fits all. Easy answer to charges conundrum ? Pay all bailiffs of whatever type a fixed salary. That won't stop certain well known companies from pressuring their bailiffs to ramp up the charges of course but it will level the playing field and highlight them, then they can be dealt with.
  14. 2 points
    I think the only issue with that is that the site is voluntary run It relies on people helping between their day jobs and to be honest between other things that they have in their lives as well I'm sure things will be updated but it can't be expected to be instant unfortunately
  15. 2 points
    Can't really help I'm afraid. BF thinks I know about cars because of an exchange we had on another thread, but I don't (apart from common sense!) What I would say is: 1. I presume you will want to retain ownership until you've got the judgment paid 2. Then you want to make sure you are no longer the registered keeper. Look on your V5C and it should tell you what to do if the car is returned to trade (I assume this is how this should be interpreted). In any event make sure DVLA know you are no longer the registered keeper. Might be an idea to call them for advice - though I understand they can be hard to get on the 'phone. 3. Not sure how ownership formally transfers eg is documentation needed? Note the registered keeper is not necessarily the owner of the vehicle - in fact the V5C says it is not evidence of ownership. 4. Also not sure about how the insurance works. If you are no longer registered keeper, does that mean you are no longer responsible for insurance? Or do you need to transfer ownership first? You could try asking DVLA about this too. 5. There is a DVLA board on here where you could ask for clarification on these questions. As I say I'm no expert so I wouldn't describe the above as "advice", but it may be a starting point for you. I'm sure other posters are in a better position to give advice you can rely on - don't rely on me!
  16. 2 points
    Posting as an information share, not something I need help with, as this comes up on CAG from time to time. When I've been an Executor I've received letters from the DWP asking me to repay to DWP any pension etc benefits they paid out after the date the person died. I always assumed the DWP had the legal power to recover that money. Turns out they never did and I could have ignored their requests! [But note this does not apply if the DWP had overpaid benefits before the person died. DWP might be entitled to recover those.] http://paullewismoney.blogspot.com/2019/03/dwp-cannot-enforce-demands-to-repay.html
  17. 2 points
    I agree with "think about it". If you can't get through on the 'phone (which could be said to be a problem in itself) just send a simple and straightforward letter as you have explained here. I think the wording I suggested earlier for a face to face conversation will do as well in a letter as in a conversation. If you have written authorisation from your relative to act on their behalf include a copy, otherwise get written confirmation now and include that. There's no special formula or wording you need to use, just explain your concerns in a non-confrontational way as honeybee suggested. If English is not your first language(?) say so in the letter and apologise if your wording comes across as abrupt - say it's not intentional and you are just looking for an amicable resolution. OK?
  18. 2 points
  19. 2 points
  20. 2 points
    From what I can see without photobucket interfereing with my viewing thre is a yellow sign under the NE parking sign that says "no unauthorised parking, wheel clamping in operation". That is you get out of jail free card for 3 reasons, firstly wheel clamping is illegal so the threat fo such means that anything else they say doesnt count as the contract is void, secondly the statement that no unauthorised parking means that the sigange is prohibitive in nature so not a genuine offer of terms to park and thirdly it creates a confusion as it clearly conflicts with the wording on the blue and white sign above it regardless of the content of their newer sign. so they are stuffed under contract and consumer law. Lookingforinfo has posted as I was writing so those points about the parking also destroy their claim, grace period etc. NE will use Gladdys to try and bully you later but ow you know you have somehting to say to them ( dont use all of the points, just one of them will do) as a response to their threat of court when it comes
  21. 2 points
    This has nothing to do with how empty the carpark was-it is about contracts. You have fallen foul of their alleged contract with motorists by leaving the area ie not using the businesses that surround the car park. You weren't to know but your appeal used the wrong reason. You are not dealing with anything like honest people when you enter most controlled car parks. they are not interested in anything other than to screw as much money out of every motorist they can regardless of the legality. In your case, you appeared to have parked there for around 5 minutes [they would have recorded the exact time of when you entered and left the car park which is obviously not the same length of time that you actually parked there. Under the Code of Practice, motorists are allowed a minimum of ten minutes to find a parking spot, read the parking signage and decide whether they want to stay. If they leave before ten minutes there should be no charge. So had you appealed for that reason, it would be reasonable to assume that they should have cancelled your ticket. That does mean that they should not have contacted the DVLA and have thus breached GDPR so I would advise you that as they have not a leg to stand on just to ignore them for now. They know they would lose in Court but as they think you don't know about the ten minute rule they will continue to send threatening letters. However should they send a letter before claim-an unlikely event in the circumstances, come back to us and we will advise you how to blow them out of the water. It is best not to appeal again since you have already admitted that you were the driver which has lost your protection under POFA. Just accept that you owe them nothing and be happy that their greed outweighs their stupidity.
  22. 2 points
    I don't have specific experience of any sort of permit scheme but I do of taking on a council highways department. It got as far as a court on The Strand in London and I won. To be fair they caved halfway through the second day, as we returned from lunch my counsel was approached by theirs with the magic words 'could I have a moment of your time'. I count it as a win, it cost them a ridiculous amount of money It got that far because stupid little people working for councils honestly believe they can say what they want, do what they want, tell outright lies, go to extraordinary lengths to intimidate the people they are paid to serve. They aren't used to people standing up to them and they get away with it 99.9% of time. As others have said, you need to check your status carefully and then hit them. Get legal advice - not from some small town solicitor but from a big firm. I was lucky, someone pointed me to the right people. Don't be intimidated, don't believe a single word of what you're told by any council employee. They are the equivalent of every miserable call centre monkey you've ever dealt with. The brightest minds aren't attracted to council jobs after all.
  23. 2 points
    It was a lot easier to use CAG with the old format. Now when you do New or Unread Posts you only get several posts coming up. If you click on a post to read it, when you are finished and click to go out, it takes you to the top of the page of new posts and you have to scroll down to find the one that you have just viewed. Must a admit I don't personally like the drab colours associated with the pages.
  24. 2 points
    Yes very good news in deed! 5.5 million they raked inlast year.....not bad for a run down filty car park that towers above a derelict shopping centre. One of the only restaurant owners left on the edge ofthe precinct got a 100.00 charge and why? .....because his passenger wheels were touching the white line. BUT on that particular side was the ticket machine so he was not stopping anyone parking there or depriving them of income.....but still got 100.00 from him. Just sickening to see them getting away with it. So glad i stuck with it.
  25. 2 points
    CMC charges were capped at 20% by law effective July this year https://www.gov.uk/government/publications/cmr-special-bulletin-new-fee-cap-measures/cmr-special-bulletin-new-fee-cap-measures
  26. 2 points
    Firstly, GE Money and Kensington are both subprime lenders and always have been. Prime lenders are high street banks - e.g. Santander, Barclays, HSBC etc. Most subprime lenders use LIBOR rather than BoE, but LIBOR rates are generally in line with BoE, but they are charged differently on the mortgage accounts, which can make LIBOR more expensive. Subprime lenders overload their interest rates because their primary business is from people who wouldn't get prime mortgages and therefore there is the additional cost factor involved in the strong likelihood of default. Your terms and conditions will stay the same, but you are correct that your interest rates may fluctuate, but it should be in line with the terms and conditions of your mortgage, they cannot rewrite the contract at this stage to make it more favourable to themselves. All that said, it makes no difference in your specific case - they have sold your account (probably along with dozens of others); this is a standard practice with subprime companies, they do it all the time and there's not a thing you can do about it, bar attempting to remortgage with another company. One presumes you cannot if you started out with a company like GE Money in the first place...they are on the exact bottom rung of the ladder as Kensington are. If you can remortgage, you should try to do so, as attempting to get them to change their minds on the sale of your account won't work. Lastly 'RuleofLaw' largely writes complete nonsense from what I have seen of his/her recent posts, so you'd be best off ignoring any 'advice' from him/her. Perfect example of this nonsense is the phrase 'In law, the ways as to how a bank (or mortgagee) take possession of a property are the same: Law of Property Act 1925'. Mortgagees are granted possession by the courts following breach of contract by the mortgagor, i.e. non-payment - nothing to do with statute - it's contractual. For someone who says they have studied contract law, that's a very stupid, basic error to make and means everything else they write should be called into question.
  27. 2 points
    Given that you are not content to keep your head down and see what the lie of the land is on Monday morning, personally I would simply ask my manger on Monday if I could have a copy. To start with. This is proportionate and will probably get you what you want. To go weighing in "all guns blazing" with a SAR seems over the top for what I read in the other thread(s). And may guarantee a defensive (and as a result hostile) response.
  28. 2 points
    What this response ignores is the fact that it is not the T&Cs that will be tested in a Magistrates Court, it is the alleged offence that may be charged which will be examined there. As the man widely recognised as 'the people's Judge' and a former Master of the Rolls, Lord Denning put it, the defendant will only be judged on his words & actions at the time of an alleged offence. (It might also be worth remembering that his Lordship spent a considerable part of his early career as a Barrister dealing with railways fare evasion matters.) In the OP's case, at the time of travel, the traveller failed to show a valid ticket when asked (discounted ticket without supporting Railcard = no valid ticket) and also failed to pay the fare due when asked. If a Penalty Fare Notice was issued, that means that the traveller was handed a printed notice giving 21 days to pay that fare, or successfully appeal the liability. If the traveller has failed to do either within the 21 days, the TOC is at liberty to cancel the civil remedy (the Penalty Fare) and to pursue an offence. If the fare is unpaid after 21 days, the TOC's agents will usually send a reminder letter, although they are not obliged to do so, and that letter will advise that the right to appeal has no been forfeit, but the company will seek payment. If that remains unpaid, the Penalty Fares Rules as defined by The Railways Act makes provision for such a notice to be cancelled and prosecution may ensue. Now, let's return to Lord Denning's words and examine the example here because that is the crux of what might be alleged by summons and in any ensuing Court action The traveller may well say that they had paid the correct fare due The prosecutor may say that the traveller failed to show a ticket confirming that the correct fare had been previously paid and showed a ticket indicating only that a lesser fare had been paid, but did not produce evidence of entitlement to that lesser fare. They will also say that the traveller was asked to pay the correct fare due in the circumstances, but failed to do so. The prosecutor will say that the traveller was also handed a notice asking them to pay the fare a for second time and that the notice, which the traveller accepted and signed as understood, remained unpaid. If the traveller had paid the fare when asked, or successfully appealed the notice within the 21 days allowed, the matter would have been dealt with and no action could ensue. I do believe that in attempting to give guidance for a user's query on a forum such as this, we should explain what the letter they have received appears to indicate I think my earlier post made clear that we ought to leave aside any personal beliefs regarding moral justification and should recognise that a Magistrates Court is not the place which will examine and rule on commercial terms & conditions, although comment might be made by the Bench in delivering their verdict. Whether the OP has reached the point at which a Summons might be issued and if so, whether or not they decide to pay any penalty option that may still be available to them, or wait to see if a Court date is notified and then mount their defence is entirely a matter for the OP. All we can do really is to put forward from experience what has happened in the past and therefore, what may happen in the future. Maybe the TOC will decide not to pursue action, but we cannot be sure.
  29. 2 points
    Thank you BankFodder and andyorch! (edit: and also Slick!) Regarding the third party debt order: 1) You need to have obtained a judgement (kind of obvious). Your then known as the "judgement creditor". 2) You ideally need to know the bank details of the person or company ["the judgement debtor"] you are trying to enforce the order against (or as much information as possible). If you don't, I believe the application can either be rejected by the judge or at best, a hearing is arranged where the debtor has to provide their financial information. Which is kind of pointless, because they then have the opportunity to withdraw funds from their account. 3) Fill in form N349, making sure everything is completed. If you know the debtor owes money to someone else (i.e. an unsatisfied CCJ), you HAVE to provide that information. If you don't know, don't worry about it. Send that to the court your judgement was made at: DO NOT send a copy to the debtor. 4) The judge makes a decision regarding an interim third party debt order. This happens pretty quickly, usually the same or next day the court receives the application. 5) If an interim third party debt order is granted, you receive a copy and the debtor's bank receives a copy. The debtor doesn't get notified until 7 days after, so the bank has time to freeze the account. 6) The debtor's bank has to inform the creditor and the court whether the funds in the bank account cover the value of the order. If it doesn't, they have to state what value is in the account. The order comes into effect on the day it is received by the bank. Timing is crucial because if the order is served when no or few funds are available, the freeze will only be applied to the account at that point. New funds going into the account after this date are not affected by the freeze. 7) A hearing is scheduled for a final decision on the third party debt order. I believe individuals can sometimes request a hardship payment is made from the frozen account if they can show it beyond all reasonable doubt, but I don't think this applies to a company. 8) At the hearing, the judge makes a decision about whether the final third party debt order should be granted. I don't really know what significance this hearing has; I think it's just a formality for debtors that are private individuals (i.e. suffering financial hardship) or else if a judgement has already been satisfied. 9) If granted, the judge orders the frozen funds are released to the creditor. You should get the costs of the order back from the debtor too! Obviously the process is not without it's risks; you might not get your money back if they have no money. But the same might be said for charging orders (property) or instructing bailiffs (possessions) C.P.R. Info on Third Party Debt Orders: http://www.justice.gov.uk/courts/procedure-rules/civil/rules/part72
  30. 2 points
    This is NOT a Social Media site, and as such we are here to help people with problems and advise where we can. Any response should be helpful to the OP and try and resolve any problems in a positive way. If as in this case, MW can answer the questions/accusations with some sort of proof or action then that would be helpful to all. A lot of tenants and indeed LL are concerned that lawful requirements/procedures have not been followed. I suggest that it would be easy to provide proof of deposit protection or just return the deposits to the tenants. That may dis-suede some tenants from taking further action against LL?
  31. 2 points
    Whilst I understand this is a discussion Forum I am Sad to see these kinds of threads popping up recently! These forums are designed for people seeking Help from the community and threads like these are Helping no one Unless you think inciting a "Possible" Flame war between opposing sides of the Coin and generating genuine Stress and Anger is Helping? Just my 2 penny's on the situation you may think I am too sensitive and you may be right but it is how I feel about the OP
  32. 2 points
    No, the programme is not a repeat of last year, but an additional programme covering the difficulties posed by the benefit cap. Shendor, I think you've made some assumptions about the people featured in the programme - from what I can remember, current circumstances were given, but there wasn't really information on their history. I think what's been missed so far in this discussion, is that the benefits that have been considered 'in excess' and capped is actually as a result of rising rental prices in London and other (now) expensive areas to live, and that it is actually landlords who are making a huge profit from the housing benefit, not the claimants themselves. The rising prices plus the benefit cap and lack of social housing mean that London is being socially cleansed. To see how quickly you could fall foul of the benefit cap if living in London and privately renting, just imagine you are a 'hard working person', they have three young kids and a partner who is at home with the kids. You had a good job which allowed you to live and pay rent, but not to save, in fact the high rental prices are what have prevented you saving. You are made redundant. You have no savings. If you don't get a job, you will eventually fall under the benefit cap. You get discretionary housing payments to start, but these are eventually withdrawn. You have been trying desperately to get a job, but are considered over qualified for menial jobs and there is huge competition for the jobs you're qualified for. You want to do training in another field, but the jobcentre/work programme won't let you. You fall behind in your rent and eviction proceedings are started. There is no housing you can afford in the area, and there are few jobs in your field outside of London - you are holding out hope that you will get a job. There is no social housing available in the area. Eventually you are being evicted, and finally the LA will house you in social housing - in Manchester or Birmingham or Hull. Trying to assess worthiness is a dangerous game and is what the condems want you to do. Since you're not aware of all the person's circumstances, you're basically making a snap judgement on what you can see on the surface. With only a limited amount of jobs available at any one time and many more people jobless than jobs, it is logical that those who are most able, most qualified, most lucky, the right age group etc are going to get the jobs, and then what of the other people - are they less worthy of the barest amount of money to sustain life - and what of the kids - are you going to say poor people can't procreate, do you really want THAT type of society. I don't know what the answers are, but I know at the moment we're going in the wrong direction, away from a fair and equal society where a person is valued for who they are and not what they are able to contribute.
  33. 2 points
    That's great news - I'm so pleased for you The court would have sent GE a copy of your N244 with statement and letters etc - I bet they knew there was no point turning up as the judge wouldn't give them possession. Well done for being so brave - I know how stressed you were. I hope everything goes smoothly now and you are happy in your new home.
  34. 2 points
    I hope others will comment on your post but here is my opinion. You didn't have to install CCTV. You could have used a mobile phone to record visits so to claim the cost of this from BAYV is (to me) not going to work. For any other consequential loss, you are going to have to prove it. County Court claims are different from criminal courts as you (as the claimant) have to prove on the balance of probabilities that their actions forced you to do this. IMO, accept that they will not visit again and move on.
  35. 2 points
    UMRAM, I'm a lawyer. If you have a problem with anything I write on these threads take it up with me directly, don't go posting elsewhere thinking that you can get away with slating my valid opinion BASED ON THE LAW as it is applied in court. You are all free to discuss whatever you want to discuss, but I will never stand aside whilst you try to coerce people into joining your activities whilst putting their homes at VERY REAL risk of possession because they think that you might have a point. Even IF any of you were successful in the Property Chamber, it ONLY has binding effect on the case at hand. The decision isn't even binding on a future hearing at the Chamber, so you are effectively misleading people into thinking that this is a quick fix. The ONLY quick fix, notwithstanding any other claims people MIGHT have based on various other elements that might pertain specifically to their particular circumstances for which the vast majority will NEED a solicitor for, or the opinion of counsel, for someone in the midst of possession proceedings, is to find the money to pay the CMI plus something towards the arrears. Once they've secured their position, then and only then, should they look to see whether they have other things they can fight to change. To do so whilst in the midst of possession proceedings is stupid beyond belief unless there is concrete evidence of wrong-doing by the mortgagee. I see that Marika41 is viewing this thread whilst I am typing this - I find that sad. She's in the midst of possession proceedings and is probably being swayed by the stuff in this thread because it gives false hope. Good luck to her in halting possession proceedings, one can only hope she doesn't think the information in this thread is the way to do that. And good luck to those of you who are trying to find a way out of your debts. I don't think you'll find it this way. The system isn't corrupt, I am part of that system and I spend my time defending those facing possession proceedings (amongst other things), and I train others to do the same. If the system was corrupt, the several thousand people my scheme has assisted would all have lost their homes, instead only a very small percentage did. You can't say the same for your methods. You have not ONE case to show evidence that your argument is valid - and I could show plenty to show it isn't, going back as far as the late 90s. As you were. Keep to your thread and I'll stick to assisting those who need real assistance from someone who actually knows what she's doing and does it on a regular basis in court.
  36. 2 points
    tell you what..... you asked the question .. I have answered it, I guess that I don't count as a senior member on here, despite the fact that I only answer on my own experience... I shall now not be answering any more questions that you may have.
  37. 2 points
    I wouldn't be too sure of that my Dear. It looks as if certain parts of the follow on programs have hit major problems; a lot were simply defunded in 2010 and left to die for cheaper things (or more profitable to DWP business partners e.g A4E etc) like CAP. CAP is still on the cards it's just hit a few teething troubles; like it's a step too far in it's current form with the Workfare backlash. Given that almost everything else has been shelved they'll need a new way to fiddle the jobless figures and a revolving WP 2 year cycle one might conclude would be political suicide and the admittance that the whole thing is a shambles. All this is part of the DWP's "Health Work and Well-being" program that's been running for around 10 years. Worth having a gander at is this thing to see what was envisaged which was amazing to when the axe fell and what we have now. p.s. Who loves ya Flumpsy?
  38. 2 points
    Casper, I spent a bit of time last night going through this thread from the first page to where we are now. We're going on for a shade under 6 months of trying to help you, and as far as I can see absolutely nothing about your situation has changed except you've lost your flat and are very likely going to get a County Court Judgement against you! I'm truly sorry if I sound harsh, but this is really not the right place for you to get advice - and I promise that's not a judgement on you, it's stating a fact based on the reality that your situation is getting worse instead of better. Nobody here can help you with filling in forms or actually speak to the JCP/Housing Team on your behalf, and because your situation is so complex that's what you really need now. I'm putting the link for the Purfleet Trust below - all of their contact details are on their website. Their entire purpose is to help homeless people find a new tenancy and then stay in it - they have caseworkers who will be able to help you with any paperwork that you need to complete relating to benefits. They even run training courses so you can get additional qualifications and experience to help you find work. Contacting them has to be your absolute, top priority Casper - they have far more options available to find you accommodation before you get a CCJ. Please phone them today, and don't take 'No' for an answer...it's crucial that you speak to them about your situation. Good luck, I really do hope things get better for you soon. http://www.purfleettrust.org.uk
  39. 2 points
    I don't know whether anyone else has posted this - I couldn't see it - This information supercedes all information regarding County Court Actions etc. (1) You can no longer take your completed N1 to the local county court. You either have to do it online as MCOL or you have to send your N1 in to a central processing office. Note well that MCOL only allows around 1500 characters so if you have a long Particulars of Claim (POC) then you will need to send it in. (I personally think this is a better idea as a completed blue N1 naming the bank as a 'defendent; is a thing of great beauty !!) (2) Your N1 should not state a county court in the top right hand corner but it should contain "CC MCC NORTHAMPTON". All Money claims are now nominally issues from Northampton (3) On the new N1 there are the words "You must indicate preferred court for hearings here" ---- At this point insert the name of your local county court. What happens is that the case gets formally 'transferred' from Northampton to your local county court. (4) You can get the most up to date N1 here http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n001-eng.pdf (6) Payment - You either have to send a cheque for the fees, or a postal order. If you want to pay by card, you need to send a covering letter, in LARGE TYPE, asking them to contact you and give them a phone number. (This if course is the governments very well thought out plan !) (7) Allocation. I haven't got here yet. My understanding is that you get a communication from the County Court Money Claims Centre telling you about allocation and where you can get the form. They no longer send the allocation questionnaire to you. (8) Addresses as follows: (8.1) ENGLAND County Court Money Claims Centre POBOX 527 Salford M5 0BY (8.2) WALES POBox 552 SALFORD M5 0EG (8.3) SCOTLAND (Totally foreign country - I have no idea) PHONE for both 0300 123 1372 (9) Now there is an e-filing email ccmcce-filing@hmcts.gsi.gov.uk but this is not to be used for filing money claims. I've got no idea what its for but it could be for filing your allocation questionnaires. (10) Upon allocation, the case is then 'transferred' to your local court. Good Luck everybody - I hope this has been helpful Madpriest
  40. 2 points
    Hello Teresa,thank you for your presence. What I am sure our members would really like to know is whether there is indeed any termination fee,in what circumstances such a fee would become payable,whether the fee if there is one is fixed ? Or how it is calculated ? Your reply to this would be appreciated and avoid further confusion. If you fail to do this,I need not remind you that this will undoubtedly be raised again. Our members have better things to do than call your customer services,when to all intents and purposes,The CAG gave BH account status here on the understanding that you would address members questions.
  41. 2 points
    My goodness Caroline, what an awful time you have endured. My name's Erika, I'm one of the site team and my main area on the forum is benefit entitlement so I'm going to advise you about that side of it. The main benefit for people who are out of work is Jobseeker's Allowance (JSA). To claim JSA you must be actively seeking and available for employment. It would involve 'signing on' once a fortnight at your local jobcentre where you would explain what you had done each fortnight to seek work. If you apply for JSA, they will ask you for the reason your employment was terminated and they will also ask your employer. If they discover that you had your employment terminated as a result of gross misconduct they may apply what is known as a sanction to your claim. A sanction is where they stop payment of the benefit for a specified period and can last up to a maximum of 26 weeks. During a sanction, you still have to attend the jobcentre and sign on but receive no monetary benefit - though hardship can be claimed. However I do not think that JSA is the correct benefit for you. I say this because from what you have told us, you appear to be suffering dreadfully from depression and I wonder if that makes you unfit for work at the moment. Although you have been working is that because you were able to or because you had to? Have you been pushing yourself too hard? Has the recent termination resulted in an exacerbation of your depression? These are things to consider when you are thinking of whether you are fit for work at the moment. If you are unfit for work, there is another benefit that you can claim. It's called Employment and Support Allowance (ESA) and is for people who due to illness or incapacity are not fit for work. There are no sanctions on ESA for losing your job and no requirement to attend the jobcentre once a fortnight to sign on - though you may be asked to attend for other reasons from time to time. All you need to do to make the initial claim is go to your GP for a MED3 ( a 'fit note' - they used to be called 'sick notes') certifying that you are unfit for work then ring 0800 055 6688 between 8-6 monday to friday. This is the ESA claim line. A call operator will go through the application with you and take it from there. You will then send in your MED3. From here you enter what is known as the 'assessment phase'. This is meant to last for 13 weeks but it can last longer. It is the same amount as JSA is at a rate of £71.00 per week (assuming you are over 25 years old). However you will toward the end of the assessment phase be summoned to an assessment with a company called ATOS who will assess whether they agree if you are still unfit for work if they agree that you are, your weekly money will increase to either £99.15 if they think you are fit for some work related activity or £105.05 if they think that you are unfit for any kind of work related activity. You can come off ESA once you and your GP feel that you are fit to work again. If you were to get your job back at a later stage you would no longer be able to claim ESA but you could possibly claim statutory sick pay until you feel well enough again (or until SSP exhausts in which case you would go back on ESA). You can also get ESA if you do not qualify for SSP. Now, are you receiving tax credits at all? If so you need to inform them that you are no longer working and of the decrease in your household income. If you are not, you do not need to claim unless you have children (though if at any stage you return to work you should look to see if you are eligible for working tax credit). The telephone number for tax credit is 0345 300 3900 and they are open from 8am to 8pm Monday to Friday and from 8am to 4pm on a Saturday. Do you rent? If so, claim housing benefit for assistance toward your rent from your local council. If you have a mortgage you may be able to get help toward the interest of it after 13 weeks of claiming JSA or ESA. This is called Support for Mortgage Interest. If you pay council tax, claim council tax benefit from your local council. If you have no savings, no income and no way to meet your immediate living expenses whilst you wait for a benefit claim to go into payment, you can claim a Crisis Loan as an alignment to benefit. They can help by paying you a little money (it is not very much 60% of weekly benefit if you are a homeowner or 30% if you are not) toward food and if you have gas/electricity metres that take coins, cards or tokens they can help toward this too. It is interest free and is repaid by deducting a weekly amount from your benefit when the claim goes into payment - they will tell you the amount offered and the repayment rate before you agree to it. To apply for a Crisis Loan call 0800 032 7958 between 8am to 6pm Monday to Friday. They are less busy early in the morning and it can be really difficult to get through - if you can't get through and are desperate for food, google 'food parcels' and the area you live in to find your local food parcel provider. I hope this information helps you. It is a bit of information overload for now but you can always come back and read it at your leisure to check things. I'm normally around in the evenings but might not be around much next week however there are plenty other people who can help in the benefit subforum.
  42. 2 points
    I have not stopped responding Stu I am aware of all the developments via email and pms from yourself and CB.Its just that sometimes we have our own problems to deal with also outside of the forum.I have advised through CB what to do and how to respond further. Andy
  43. 2 points
  44. 2 points
    Hello there. If you scroll up to the top of the screen from this thread, there is a grey strip with 'User CP' in white towards the right hand side of it. If you click on that and scroll down, there is a heading on the left about changing your password. You'll need to look up the current one just one more time and then hopefully you'll have something you can remember. My best, HB
  45. 2 points
    Glad you all replied to Zippy. Of course it's relevant an unlicensed drug for this age group has been dispensed without due care. It's unlicensed for that age group and there are rules attached to that. It will be of great significance and relevance in this terrible situation. That's very good news Tilly. The personal communication has started. I'm sure safeguarding and the CQC will be raised. You can see how this meeting progresses first, and then decide whether you need to contact your Trust.
  46. 2 points
    Suffice to say Cabot got a hammering in court OH YEAH BABY
  47. 2 points
    If you have had seven stays you will have had to make seven stay applications - Ell-en is likely to be the person who will be assisting you with completing the forms, so pay close attention to what she asks you to do. Firstly, start taking some personal responsibility for your situation - the phrase 'they make me agree' grates because it implies you have no choice in the matter. You do. You could have sat down, done an income and expenditure form, and found out exactly what you could afford to pay towards the arrears and you might not have been in this situation an eighth time. Sound harsh? It's meant to - when you go into court with your stay application the likelihood is the judge is going to tell you precisely the same thing - in probably harsher terms. So be prepared. What you need to do next: 1. Create an income and expenditure sheet - be honest about EVERYTHING you are currently paying out - this is no time to pretend that things are rosier than they are. You have only two priority payments - the first is Council Tax, and the second is your mortgage. They are in that order because you can go to prison for non-payment of CT, the worst they can do for non-payment of mortgage is to evict you. Any other debts you have that are not secured on your property are unimportant - my advice regarding those sort of debts is to visit your local CAB and ask someone to assist you with writing letters to reduce the monthly payments to an affordable level so you can use as much money towards the mortgage and arrears as possible. You need to maximise your income. 2. Once you have your I&E completed, you will be able to see precisely how much money you have left to offer to the mortgage company towards the arrears. Once you have that figure, and you have answered my final question about length of mortgage, I will be able to work out whether you have sufficient time left on your mortgage to allow you to repay. 3. Add up every single charge and additional interest added to your account - you will need to deduct this from the arrears that they state you owe as they are not allowed to add charges to arrears and claim them as such during possession proceedings. (Beyond this calculation I have no interest in the charges - please refer to BankFodder's advice in his lengthy, informative posts above for help in reclaiming those). In my view, beyond removing them from the arrears, at this stage of the process, they won't help you much unless they substantially wipe out a large proportion of the arrears. 4. Be prepared for your stay application to fail - you have had so many chances and frankly appear to have not stuck to any of your previous promises. My suggestion is that you pack up your stuff, ready to move on the morning of 6th April if your stay application fails. It is unlikely, given this is the eighth stay that the mortgage co. will cancel the bailiffs prior to the hearing. You may get a hearing tomorrow and if it fails, they will almost certainly evict on the given date. You still have a very small chance (dependent on whether the judge is sympathetic and wants to give you a final chance), but it is a small chance, particularly since you do not have dependent children in the home. Have you considered taking in a lodger to help make the payments? This is something else that could be put in your stay application, but only if you can actually get someone in. I'm not hopeful for time to sell - if the judge is minded to strike out your stay application, he is extremely unlikely to allow you further time - this isn't a possession hearing - it's a stay application, so unless the property is on the verge of exchange of contracts there's not a lot the judge will feel obliged to do to assist you further. My suggestion is that you stay up as late tonight as is necessary to complete all the paperwork and gather all your evidence. You should be ready with it all at the court office by 9:30 am tomorrow morning to make your application. Any later and you will be running the risk of not getting a hearing tomorrow, which means the eviction may happen on Wednesday before you've had a hearing.
  48. 2 points
    Hi All I've not been posting for a while because of the ongoing case I have and I've not really had the time to keep in touch on the thread as I would have liked. I'm at a real crucial point on mine with many aspects before the court. I wanted to thank the many caggers who have been PM'ing me with their support with whom Ive been able to discuss a few aspects of my case with before trial I've received a number of Pm's lately from caggers who are being asked to post on behalf of others and just double checking that the posts are not detrimental to my case and future cases for the rest. Thank you for keeping me informed - I appreciate it. What I'd ask is: If you don't understand what you are posting then please don't. If you don't know if it will cause long term issues for other cases then please don't post it on someone's behalf. We had situation not so long ago when a cagger posted for another and it was evident it was to get at another cagger. A little embarrassing for one or two people, not good or helpful. I have it straight from the horses mouth that the trolls are directed to this thread for our arguments. It's by keeping quite that I've succeeded as far as I have. Just waiting for the final leg now. Caro made an excellent point about sticking to particular aspects of cases until other matters have been decided on at Court. Fantastic advice. No point in arguing something you don't fully understand or something you've not researched for yourself. It's your home at stake and it's in your hands. No one else's. Thanks again for your support and keeping in touch. It's really helped I'll post as soon as I have something concrete for you, case not up for a few months due to court listings. Confident we'll have a good Spring/Summer Best wishes Busterg
  49. 2 points
    PS: Your own misspelling.... Whether the above is true or not is not of interest. What is of interest however is that given his background he was able to make some very interesting FOI requests to various local authorities which have revealed highly dubious charging practices and ANPR operations. If you are in the industry, you will know that many councils and bailiff companies have been most uncomfortable with these FOI requests. If you are on this forum to provide advice and assistance to debtors, then this would be most welcome. If on the other hand you are merely wanting to openly attack one individual, then you should take your own advice (Beware of charachters like this!!).
  50. 2 points
    Hi lessen Happy New Year and welcome to CAG No one is here to judge you, all be it for different reasons we're all in the same boat Here's a link to the CAB I & E form . . http://www.adviceguide.org.uk/d_budget_sheet.pdf Fill it in and get a good idea of exactly where you stand and if it comes down to the fact that without leaving yourselves in financial hardship you can only offer very small token payments there really is bugga all a the DCA's can do DCA's love to huff/puff and threaten but that's about it and if you've offered and make payments based on your circumstances should they get greedy and go to Court (long way off yet) the Judge will not take their actions too kindly Get the figure work done and go from there BUT do not talk to them over the phone do everything in writing as that way they can't go back on agreements made, there's a great letter that some of the really experienced caggers know of re working out how much you can aford and I'm pretty sure that someone post it for you You're in charge not them Regards and good luck R ps . . I'm of the "Do not" send anyone your I & E club but as in any discussion others disagree . . it's up to you to decide
×
×
  • Create New...