This response is in accordance with our Customer Complaints Procedure. If you are disapointed with our decision and you wish to discuss our reponse in more detail, please do not hesitate to contact me. We welcome the oppourtunity to review the matter further before you consider referring your concerns to the Financial Ombudsman Service."

think id be hitting them a little harder too

best of luck olives xxx

honey x

everytime i look at this forum im desperate to get my black marker out

Formal Solutions: Bankrupty, Administration Orders and IVA's (7 Viewing)

Advice on some of the formal debt management solutions

come on you guys :lol:

honey x

Non-English speaking countries sometimes go out of their way to communicate with their English-speaking tourists:

Cocktail Lounge, Norway:

LADIES ARE REQUESTED NOT TO HAVE CHILDREN IN THE BAR.

At a Budapest Zoo:

PLEASE DO NOT FEED THE ANIMALS. IF YOU HAVE ANY SUITABLE FOOD, GIVE IT TO THE GUARD ON DUTY.

Doctor's Office, Rome :

SPECIALIST IN WOMEN AND OTHER DISEASES.

Information booklet about using a hotel air conditioner, Japan:

COOLES AND HEATES: IF YOU WANT CONDITION OF WARM AIR IN YOUR ROOM, PLEASE CONTROL YOURSELF.

In a Nairobi restaurant:

CUSTOMERS WHO FIND OUR WAITRESSES RUDE OUGHT TO SEE THE MANAGER.

On the grounds of a Nairobi private school:

NO TRESPASSING WITHOUT PERMISSION.

In Aamchi Mumbai restaurant:

OPEN SEVEN DAYS A WEEK, AND WEEKENDS TOO.

In a Tokyo bar:

SPECIAL COCKTAILS FOR THE LADIES WITH NUTS.

Hotel, Japan:

YOU ARE INVITED TO TAKE ADVANTAGE OF THE CHAMBERMAID.

In the lobby of a Moscow hotel across from a Russian Orthodox monastery:

YOU ARE WELCOME TO VISIT THE CEMETERY WHERE FAMOUS RUSSIAN AND SOVIET COMPOSERS, ARTISTS, AND WRITERS ARE BURIED DAILY EXCEPT THURSDAY.

Hotel, Zurich

BECAUSE OF THE PROPRIETY OF ENTERTAINING GUESTS OF THE OPPOSITE SEX IN THE BEDROOM, IT IS SUGGESTED THAT THE LOBBY BE USED FOR THIS PURPOSE.

Advertisement by a Hong Kong dentist

TEETH EXTRACTED BY THE LATEST METHODISTS.

A laundry in Rome:

LADIES, LEAVE YOUR CLOTHES HERE AND SPEND THE AFTERNOON HAVING A GOOD TIME.

Tourist agency, Czechoslovakia

TAKE ONE OF OUR HORSE-DRIVEN CITY TOURS - WE GUARANTEE NO MISS CARRIAGES.

Advertisement for donkey rides, Thailand

WOULD YOU LIKE TO RIDE ON YOUR OWN ASS?

The box of a clockwork toy made in Hong Kong:

GUARANTEED TO WORK THROUGHOUT ITS USEFUL LIFE.

Airline ticket office, Copenhagen :

WE TAKE YOUR BAGS AND SEND THEM IN ALL DIRECTIONS.

In a Japanese cemetery:

PERSONS ARE PROHIBITED FROM PICKING FLOWERS FROM ANY BUT THEIR OWN GRAVES

awwwww

xxxxxxxxxxxxx

are you running norton by any chance?>

send them this

REQUEST FOR INFORMATION UNDER THE CIVIL PROCEDURE RULES.

 

Dear Sir/Madam,

 

I have received the Court claim filed by your Company. To enable me to file a defence and counter-claim, I require specific information regarding the account to be provided forthwith. Given that this matter is now the subject of legal proceedings, you are obliged to disclose under the Civil Procedure Rules, the information and documents detailed below. This letter supersedes the Data Protection request made to on the **DATE**. The information must be furnished by the **DATE**, which gives you ten days to provide what has been requested. If you fail to comply, this will be reported to the Court, a copy of this letter will be provided as evidence to the same and an Order enforcing your compliance will be sought.

 

1. A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. All records you hold on me relevant to this case, including but not limited to:

a. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to it the account.

b. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations

c. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with **CREDITOR**.

d. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

e. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

f. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

g. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

h. A genuine copy of any deed of assignment, or proof that you have a legal right to this money.

i. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

j. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

3. Any other documents you seek to rely on in court.

4. A copy of your complaints procedure, as required by the Consumer Credit Act 2006.

5. Clarification of the date you acquired the debt, what organisation you acquired it from, their registered office, their company number (if any) and what legal title they had to this debt, and what credit license number they had at the time that the debt was purchased or entered into.

 

I will require this information within the next ten days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to frustrate proceedings and denying me the opportunity to file a defence and counter claim.

 

I would appreciate your due diligence in this matter.

 

I await your rapid response.

 

Yours Faithfully,

special delivery, they have to comply

all the very best

honey x

the bu99er will be mouldy by now

Or to put it in an even simpler way: Convention says socks should be identical colour. My son says: "they'll keep me warn even if they're different colours."

 

And he's absolutely right. ;-)

mine once went with 6 clean socks on one foot and 1 dirty sock on the other, i have no idea to this day how he got his shoe on that foot with the 6 socks on, but THAT foot was cold apparently

so....... so be it

honey x

hello my son has adhd, ocd you name it

they wouldnt treat him with medication until he was 6yrs old, my home was trashed regularly, the amount of calls i received from school was horrendous

someone did suggest trying him with effalex, and within 6 weeks i had a changed boy

i did the no E thing too but to no avail either

unfortunately the behaviour as he grew older did worsen, he is now taking ritalin and risperidone, i have my boy back and its fantastic

good luck

honey x

first of all i wanted to say congratulations to you all

what a shock that mustve been to get a call like that, especially as your OH isnt home with you at the moment, the stress these people cause is unbelieveable, am so sorry to hear that you have had to go thru this on top of what you had to go thru in the first instance.

take care of yourselves.

honey x

Can i ask why she had 3 out of 22 docked?

my first thoughts too

why were the RSPCA involved in the first place? they have no more rights than a DCA with regards to being on or entering your property unless accompanied my an officer of the law

honey x

awwwww you lot leave him alone maybe he only needs pluckin

nope as "the coal miners daughter" i can assure you it had to go down with them

You often see pasties centre crimped across the top.

The original pasties were crimped along the edge, because the miners, come lunchtime could not wash their hands and arsenic is often found with tin. The miners were able to hold their pasties by the folded pastry at the edge to eat the centre before throwing the soiled outside crust away.

they wouldnt eat meat pasties tho as the depth of the underground turned the meat off no meat sandwiches either

can i donate it to CAG lol

OOPS I guess I was wayyyyyyyy out sorry Honey ..

anyway you come accross as so knowlegable in so many areas that I presumed it was something only life skills would of taught you ........ is that enough grovelling to make amends ?

 

Anyway I'm not very good at this ..as you can see .. I once guessed a young student on here as being a retired solicitor .. LMAO at least they laughed

YouTube - Judy Cheeks - Little Girl In Me ;)

Quote:

Originally Posted by honey5

how old anm I? hmmmmm old enough to know better but never learn

female .. 53

only if you can run bloo9y fast

how old anm I? hmmmmm old enough to know better but never learn

ermmmmmmmmmmm aint that 56

thankyou all

SG they arent nice but................. with the help of everyone here .........theyre now gawn Yaaaaaaaaaaaaaayyyyyyyyyyyyyyy

and cheers tom its much appreciated xxx:)

CCM thankyou xxxx

honey x

we have a

Canon Powershot S5 IS

specs

Technical Specification.

Style

Extended Zoom

Megapixels

8

Resolution

3264 x 2448, 2592 x 1944, 2048 x 1536, 1600 x 1200, 640 x 480, 3264 x 1832

File Formats

JPEG

Memory Cards

SD/SDHC

Zoom

12x

Focal Length Equivalent

36 - 432mm

Shutter Speed

15 1/3200 seconds

Aperture

f/2.7 - f/3.5

Sensitivity

Auto, 80, 100, 200, 400, 800, 1600

White Balance Settings

Auto, Daylight, Cloudy, Tungsten, Fluorescent, Fluorescent H, Flash, Custom

ExposureCompensation

-2EV to +2EV (in 1/3EV steps)

Viewfinder

Electronic

LCD Screen

2.5 inches

Flash Modes

Auto, Manual Flash On / Off, Slow Sync Speed, Red-eye Reduction

Flash Range

5.2m

Shooting Modes

Portrait, Landscape, Night Snapshot, Sports, Stitch Assist, Movie, Indoor, Night Scene, Foliage, Snow, Beach, Fireworks, Aquarium

Maximum Movie Resolution

640 x 480 pixels

Maximum Movie Frames Per Second

30 fps

Maximum Movie Duration

Up to 4GB or 1 hour

Macro Focus

0cms

Metering

Multi-pattern, centre weighted, spot

ManualControls

Shutter priority, Aperture priority, Manual

Image Stabilisation

Yes

Lens Converters

Yes

Self Timer

10 seconds or 2 seconds

Video Out (TV Playback)

Yes

Computer Connection

Yes

Batteries

AA

Dimensions

117 x 80 x 77.7 mm

Weight

450g

takes fantastic photos, but if i knew how to use it might be easier, then i could get the best from it

so i really rely on my fugi finepix A405, and that does me

honey x

congratulations:)

thats great news, and you'll now be able to put your feet up and have a relaxing weekend

honey x

thankyou Pt for all of your help on this one too xxx

honey x

:):)

received this morning

dear madam,

creation financial services ~V~ Yourself

we refer to the above matter.

Whilst masking no admission of liability in respect of the allegations raised in your defence, and purely on a commercial basis, our client no longer wishes to proceed with its claim against you and we now enclose, by way of service, a Notice of Discontinuance which we have filed at court accordingly.

yours faithfully

Drydens

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

a HUGE THANKYOU to all that have helped and a very special thankyou to Jowalshy for the marathon she ran to get the papers back in time for court xxx

Jo xxx

honey x

what you like

ok just post a reply Larry stating your position and youll get all the help you need

honey x

hello Larry yes youre here

good luck

honey x