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About darkrage

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  1. lol nevermind just found this on hovering over PPI If you think that you have been mis-sold PPI then you should claim it back. The entire PPI industry - including banks, stores, finance companies, phone companies have become involved in this corrupt gravy train to some extent or other. The limitation period for making PPI claims is 6 years from the date that you could reasonably have discovered that you were the victim of mis selling - and you can claim all the way back to the beginning. You are entitled at least to your money back and 8% - but you may be entitled to mor
  2. Hi ive just had an offer from V12 for all the PPI payed into the account - not alot but well it is mine so ill keep it - what I want to find out is what or how do you calculate a fair interest as a %. I am thinking I should claim back the interest also - is this the case? or should I just accept?
  3. Hi Ive used Cag previously to successfully claim back all my bank charges - now its time for PPI I have a clear cut case with V12 - here is this story:- In 2007 I took out a retail finance with clode funding (v12) value was appx £1500 over 3 yrs - it was the type where they send you documents to sign and return and finance is then organised and product is then shipped. In 2009 I read through the paperwork to find I was paying for PPI of which I had no knowledge - although I had signed the paperwork (looked like a photocopy signiture tho). I contacted v12 and cance
  4. For op - just to add to your post I am at the end of an NRAM repossession and we are awaiting the eviction date from the count court bailiff (we have a council property available soon) we stopped payments in Sept 11 to enforce a repossession as they discontinued support and would not authorise an IVA. As for timescale after the 3 months it usually takes 5 weeks or so for a court date for repossession (if you dont attend auto repossession) after this NRAm apply for a warrant for repossession then a county court bailiff will set a date for repossession usually 14 days after the letter i
  5. thank you all for the help - I will get right on it.
  6. the overtime was already a requirement not a bargaining tool - we only had a clocking in system installed 3 months ago so i could request this data for the appeal.
  7. the quote in red - sorry I had informed my manager that to pick up from the second location would incurr overtime of which I was unable todo due to childcare. thanks for the reply sideinder I will use this as my main defence in the appeal - I should have gone to spec savers and got a formal written agreement. but at the time my manager had not indicated there would be a requirement for this.
  8. It was never an issue and was not re discussed by my manager until the dismissal. No not at the beginning of employment only when my childcare needs changed 6 months ago.
  9. only discussed verbally with manager to inform him of my requirement on the wednesday of which he had no issues with.
  10. sorry also - i am required to do a reasonable amount of overtime as long as i have recieved reasonable notice - I had already worked 14.5hrs by the wednesday. There are some other deeper issues with regards to contract also which i will have to discuss with CAB as our contracts have not been updated or signed by me since payscales have changed 2 times negatively and 1 time positively but still less money than the original contract i signed 4 years ago.
  11. ok ty for reply - I have worked with the company 4 years and on the day in question I had not informed him in the morning but as this has been the case for 6 months and have not been required to inform him as i had previously informed him every wednesday i am unable to work over time at the end of my shift.
  12. Ok sacked for misconduct - i have a few questions:- 1. The letter in which I was informed of the decision to dismiss me with the effect of the date of the letter was not officially signed by anyone from the company I worked for - does this mean it does not stand as its not signed? 2. reasons for dismissal are not sufficient for gross misconduct - no prior warnings etc - reasons by company given were - failure to carry out management instruction and gross insubordination. I worked for a haulage company who requested I picked aload up from 2 places - I was only able to pick up one
  13. cheque has arrived woohoo - 1 thing the judge did say yesterday was it is a shame mine did not get to a court room because he would of liked to hear both sides of the arguement regarding terms and conditions clause 7.14 (he did know his stuff too especially regarding hull strike outs and lloyds tsb case he did mention another case which lost in court as well as the lloyds tsb?) thank you all for helping me to this outcome - ive got 2 more cases for other people to continue with 1 being hsbc and 1 being lloyds the llotds case is overdue for court action - will need
  14. no joy with the wasted cost order - the judge was willing to set aside but also brought me upto speed with the pro's and con's of another hearing. so i decided to leave it and just be happy with what i have won.
  15. ok in court in the morning to tell the judge they have settled at such a late date - oh and by the way this is a wasted cost order for you to agree too thx :o
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