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Everything posted by enamae

  1. Term 6.10 gives the address for Data Protection Requests for Tesco Home Phone Services http://www.tescobroadband.com/tesco-homephone/service-terms-and-conditions.aspx enamae
  2. Could only find one which gives a link in Daily Mail Report http://www.consumeractiongroup.co.uk/forum/showthread.php?276025-HMRC-Tax-Blunder http://www.dailymail.co.uk/news/article-1309639/Tax-blunder-rebellion-Experts-urge-1-4m-pay-taxmans-mistake.html enamae
  3. Downloadable version of the Workplace(Health Safety and Welfare) Regulations 1992 Approved Code of Practice. (Regulation 7 deals with temperature) http://www.hse.gov.uk/pubns/priced/l24.pdf enamae
  4. I've asked site team to move this to repossessions. enamae
  5. My daughter went on to complete a foundation course before University and was able to get help towards some of her costs from the Access to learning fund. If your son speaks to the college they should be able to advise him whether or not he would qualify. http://www.direct.gov.uk/en/EducationAndLearning/UniversityAndHigherEducation/StudentFinance/Extrahelp/DG_171615 He could also look into getting a N.U.S. Extra Card. enamae [url=http://www.direct.gov.uk/en/EducationAndLearning/UniversityAndHigherEducation/StudentFinance/Extrahelp/DG_171615][/url]
  6. I Think it's because of the Capital letters in the link. Try this: http://www.moneyscotland.com/das/MoneyScotland/Homepage enamae
  7. I may not know you, but I'll still miss your posts which I've always found to be informative and reassuring. Hopefully, once things have settled down and the "glitches" have been sorted out you may change your mind. If not best wishes for the future. enamae
  8. Still not able to access posts with no replies. enamae
  9. I've just checked their website which states:- "If you make your initial payment by cheque before 2pm it will be received at our processing centre the next working day. Later payments will be received at our processing centre the following working day. You can draw against it on the sixth Working day after it reaches our processing centre. You will start earning interest on the cheque from the second Working day after it arrives at our processing centre." The 21st July was a Wednesday so your cheque (if paid in before 2pm) would have been received at the processing centre on the Thursday. This would mean that the cheque would not have cleared until the following Friday(30th). If you paid it in after 2pm, it will not be cleared until Monday. enamae
  10. You should be aware that even if your current account is not overdrawn, they may refuse to close it while you have still have payments outstanding on your loan. enamae
  11. http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html enamae
  12. They are not allowed to do this as confirmed in the attached link. banking: firms' right of 'set off' Insist they return the payment to her brothers account immediately. enamae
  13. How much longer are we going to have to put up with these on the side of the Forums? The only thing that allowing these links to appear succeeds in doing, is giving the impression that they have the full approval of CAG. enamae
  14. In a word NO. Check condition 3 on the following link banking: firms' right of 'set off' enamae
  15. Apparently it was announced in the Budget that The Future Jobs Fund is to be abolished. They do however state that existing bids will be honoured. Former Labour minister denounces Future Jobs Fund abolition Central Government 24dash.com enamae
  16. Some information on Banks' right of set off banking: firms' right of 'set off' enamae
  17. I think this the link you need http://www.consumeractiongroup.co.uk/forum/special-needs-disability-etc/261540-schooling-support.html enamae
  18. I think you'll find that this is covered by Section 9 of The lending Code deals with Financial difficulties. Page 23 deals with the procedure for the recovery of debts; Debt recovery procedures 162. If the customer does not co-operate with the subscriber, a plan cannot be developed and the subscriber may proceed with normal debt recovery procedures. Lack of co-operation would include not responding to the subscriber’s attempts at contact and unreasonable demands by the customer (for example, a request that the debt be written off or repaid over a very long period, even though the customer could afford to make reasonable repayments). 163. The subscriber should take into consideration any other accounts that the customer may have with the subscriber if these have a credit balance. In addition, if a customer has assets which could reasonably be expected to be sold to reduce outstanding debts, the subscriber may request that the customer, and if appropriate, their adviser, considers this option. Thereafter, the subscriber should acknowledge that income should only be used to repay ‘non-priority’ debts once provision has been made for any ‘priority’ debts. The subscriber should leave the customer with sufficient money for reasonable day-to-day expenses, taking into account individual circumstances. Subscribers will not subject customers to harassment or undue pressure when discussing their problems. 164. A debt is considered ‘priority’ where the customer’s failure to pay could lead directly to the loss of one or more of the following:  The customer’s home (e.g., rent, mortgage, secured loans);  The customer’s liberty (e.g., council tax, child support maintenance, income tax, court fines);  The customer’s utility supplies (e.g., water, gas, electricity); or  The customer’s essential goods or services (e.g., a cooker, a fridge, or the means to travel to work). enamae
  19. Why does the OP have to request another CCA? Is it because the one received this morning was blank, it was received as a result of her phone call yesterday or to see if they actually have a signed copy? Ashley was there a covering letter with the CCA ? enamae
  20. This is what happens when you reclaim charges. They either refund the charges to you, and you then repay any overdrawn amount or they reduce what you owe by the amount of the charges and forward the remainder (if any) to you. You can not expect them to refund the charges and reduce the debt. enamae
  21. I've added a link below to a recent case that is similar to yours. http://www.consumeractiongroup.co.uk/forum/legal-issues/249700-ccj-scotland-issue.html enamae
  22. Athena support the three childrens charities/organisations shown below: www.cats.nhs.uk www.winnicott.org.uk & www.oxfordradcliffe.nhs.uk Lidl's charity partner is the British Heart Foundation enamae
  23. janindebt's other thread (link in my post above) stated that she had not received a claim form and as she was unable to defend the claim in court, she should be able to have the judgement set aside. enamae
  24. There's a bit more information on this thread. http://www.consumeractiongroup.co.uk/forum/general/252882-link-financial-ccj.html As you did not receive a claim form from the court, you should complete a N244 form to apply for the CCJ to be set aside. this can be downloaded from the HMCS website. enamae
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