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Popular Content

Showing content with the highest reputation on 23/03/12 in all areas

  1. 1 point
    This is very very wrong. Why not contact MP Stella Creasy who is collecting evidence against PDL companies, she has journalists waiting for stories on 'the big boys' such as Wonga. I would also complain to the Advertising Standards Agency about the Wonga TV ads to add to the complaints about this lot. It seems they are happy to lend to anyone and this is hardly 'responsible' of them
  2. 1 point
    I would like to express my gratitude to Lee who phoned me earlier this evening. He has sorted out this issue for me. He sounded really pleasant and it was good to speak to someone who understood what I was saying, and who could access my account with no problem whatsoever, unlike the previous three or four people I had spoken to about it on Tuesday evening, so thank you Lee for your time and assistance
  3. 1 point
    There is no test for Autism, any more than there is for depression - so if you all want is to know, then I would say that if you are asking the question, you already know who you are. If you need the label to claim the protection of the Equalities act, then it is worth going for an official diagnosis. If you are in a high powered career, and worry about discrimination - then not getting the label is probably the right answer. The only thing I would say is that you can always change your mind from deciding "not". You can't get rid of the "label" once you have it - so if you are not sure, then see how you feel in a few months time?
  4. 1 point
    Big thank you to Lee and he has saved us some much needed pennies every month. What a star! My OH has been a customer for 5/6 years so it's nice to see a company rewarding loyalty
  5. 0 points
    I was going to suggest you ask them to "go forth and multiply" but on reflection the thought of this producing the next generation of mini me debt collectors made me shudder, so perhaps PT's simple "Get Lost" will have to suffice. WD
  6. 0 points
    Brassnecked is right in his assertions that they are dealing with this as debt collectors. The fact they sent a letter to you using their HCEO & Bailiff letterhead is most worthy of complaint to both the OFT & Trading Standards as in my view they are misrepresenting their powers. What to do if he calls, I believe there is a phrase similar to "Get Lost" of course you could also send them the http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT letter. PT
  7. 0 points
    If it is a credit card debt and the agreement was under CC Act then they cannot act as HCEOs as the debt cannot be transferred up to the high court for a writ of fi-fa. A "Licensed Field officer" will be as door knocking debt collector imho, as they also undertake this sort of collection, the letter head will include HCEO and bailiff, but it doesn't mean that they will be able to visit as such on every occasion. I
  8. 0 points
    Hi and welcome to CAG If we go by the letter of the law (which should be the case), then you are obviously not guilty of the offence as stated. If the charge read 'attempting to travel on an expired ticket' that would be different. As I see it, the prosecution facts are wrong as they state 'during the course of the journey' when in fact the 'journey' had not commenced. Had an inspector boarded the bus and inspected your ticket after the journey had commenced, that would be different also. What you seem to have done is simply boarded the bus with an expired ticket and have been prevented from travelling by the driver who correctly confiscated the ticket. As far as i'm concerned, that is the only action can be taken unless they have reason to believe (and the evidence to back it up) that you are a persistent 'offender'. I would confirm this however with a solicitor. Please Note The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only. I would always urge to seek face to face professional advice for clarification prior to taking any action. Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.
  9. 0 points
    HB is correct in saying that it is your responsibility to check the terms and conditions which i'm sure are printed on the rear of the pass. Ignorance of the rules won't wash i'm afraid. Please Note The advice I offer will be based on the information given by the person needing it. All my advice is based on my experiences and knowledge gained in working in the motor and passenger transport industries in various capacities. Although my advice will always be sincere, it should be used as guidence only. I would always urge to seek face to face professional advice for clarification prior to taking any action. Please click my reputation 'star' button at the bottom of my profile window on the left if you found my advice useful.
  10. 0 points
    You could also look on Freecycle website for your area. It's a website where people give away all kinds of things including furniture and household stuff, to get you started and you can also place wanted ads.
  11. 0 points
    That is excellent news! As I said to you before, this is all down to you realising that you could be in control of your situation. Well done to you. I hope you have a fabulous summer ahead of you!
  12. 0 points
    My comments only apply if the premises are entirely within England, and you were granted a shorthold tenancy (under which you have exclusive use of a separate dwelling, and the landlord does not live in the same building), and you were over 18 years of age when the tenancy was granted. This posting is supplemental to the information in this forum's "sticky" threads and is NOT to be read in isolation. Only a Court can decide what the legal effect of your tenancy agreement is. Deduction for Dilapidations at end of tenancy If the landlord alleges damage, he must prove it. If there is no check-in inventory, the landlord really doesn't have a leg to stand on; so the tenant is in a stronger position where there is no check-in inventory. The landlord isn't allowed to improve the premises through "betterment" (replacing an old or worn item with a brand new one). Likewise, the tenant is not liable for the cost of cleaning or repairing an item which was already soiled or damaged before the tenancy began. A check-in Inventory can be evidence that an item was already in bad repair before the start of the tenancy. Read this document - Fair Wear and Tear And read this document - Wear and Tear Guide Those documents explain some aspects of the law regarding fair wear and tear, applying the principle that a tenant is NOT liable to pay for the cost of remedying ordinary wear and tear. This link gives examples of what is fair wear-and-tear, and what is not: • http://www.rta.qld.gov.au/print_page.cfm?menuItemId=510.00 Also, the landlord can't ask the tenant to pay (i.e. out of the deposit) for the cost of repairs which the law requires the landlord to do. What those repairs are is explained in this FAQ - • Disrepairs in privately rented accommodation A detailed analysis of the landlord's repairing obligations, prepared by a Barrister, is set out at - • Interpreting Repairing Covenants Any deposit paid at the beginning of the tenancy belongs to the tenant. So the burden is on the landlord to prove that any deduction from it is justified. Read the FAQ about what deductions the landlord can lawfully make from the deposit - • Unfair deposit deductions There is a vast amount of additional information about the tenant's legal rights in cases of disrepair on the website of Shelter, the housing charity - • Repairs and Bad Conditions Reasons given by the TDS for resolving a dispute in the tenant's favour, in similar cases, have included: 1. Grossly inflated charges for the repair work. 2. No receipts produced for the cost of work supposedly carried out. 3. No competitive quotes sought for the cost of the work. 4. No mention in the check-in inventory of the condition of the item. 5. No opportunity given to the tenant to put right damage, despite the tenant offering to do so. 6. The item claimed falls under maintenance, for which a tenant is not liable. The Dispute Service puts great emphasis on the initial inventory if it mentions not only the items in the property, but also quite specifically their condition.
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