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Everything posted by begentle

  1. that's exactly it, we wanted to be 'not troubled by our child' during the hours of 9am - 1pm & from 2.30pm to 5.30pm where we anticipated she will be at the kids club hence why we chose that particular holiday!!! as we both work from home and our child only went to nursery 3 days a week I think we deserved to have a bit of a break!?
  2. that will postpone this matter another 2 months?! and its been going on already for 4?! grrrr
  3. hi rebel, thanks for that. is there anything u would suggest I do with the credit card company? i know what there is on the recording which will prove me right. can i take mbna to small claims. by the time this will be heard (8 months down my way) i will have got hold of recordings (hopefully) and I'm pretty sure the cruise company would make an offer if they realize I'm proceeding with this
  4. to silverfox, I agree that not having anything in writing is bad and I get it that you would think this is a small/trivial matter. however I know what was discussed over the phone with the rep as I made it a condition of going ahead that there are kids facilities available and that under 3's could still enjoy the kids facilities by having 1 parent present which was definitely not the case here. before we book a holiday we research the destination and the kids facilities thoroughly and hence why we feel so betrayed as we were expecting one thing and found completely another. do you have
  5. I agree that a full refund will be stretching it however I made it very clear at time of booking that our main reason for booking the holiday was the kids facilities and the fact that we did not have any such facilities spoilt our holiday to a very big extent. had we known that we will not have any kids facilities we would have booked something different and definitely not spent 4.5K (2.5K of that was because we had a child) as we could have easily gone for a cheaper room category or arranged to get 2 rooms (4 pax) which would still have worked out cheaper than the 4.5K we paid. as an
  6. Hi Guys, hope you can shed some light on my options. I've hit a dead end with the credit card company I booked a cruise in feb 14 on the phone. a major reason why I chose that particular cruise liner was due to the facilities they provide for children. I went at great length with the booking person on what they provide and whether my child would be accepted. I knew that the policy of the cruise liner was that the child must be 3 and my child was going to be 3 weeks shy of the 3rd b'day. the booking person exact words were 'the policy is from 3 but given that she is potty trained and t
  7. can you give us an update on this? I am in pretty much the same position but with a cruise company & mbna
  8. i'll take out signature etc. thanks for the pointer I agree. it was a virgin credit card and I would have thought that it would have had their logo on it. its been 8 years so can't exactly remember and at the time I was in financial difficulty when I originally received the county court claim I wrote back to them that I require copy of agreement and put in a defense that they did not provide this. now they have revived the claim and put an application to strike out my defense. any pointers of what I should do would be appreciated. thanks in advance
  9. credit agreement link hereunder. please note that the signature page is correct but how can I be sure that the other pages are the actual credit agreement that I signed in 2005. https://www.dropbox.com/s/bl464cak2mxvvrc/credit%20agreement.pdf?n=9352668
  10. Hi there and thanks for assisting me with this problem. I have received a copy of a credit agreement following an sar which they say I signed in 2005. the last page is signed by myself but the credit agreement does not seem to be the one I actually signed on the day. how can I check that this is genuine and whether this is enforceable? your assistance would be greatly appreciated as I have a court hearing next week for an application made to stike out my defense for non provision of the credit agreement
  11. I have an ongoing case with britanica recoveries who took over an MBNA credit agreement taken out in 2005. they are chasing me for over 12K! and am very afraid that if they manage to get my defense struck out I will have a ccj against me. they have applied to court to struck out my defense of not providing the credit agreement. I have received the alleged credit agreement with the signed page in 2005 but not the original credit agreement which from my research on the forum credit agreements pre 2007 were unenforceable. can somebody help me with this pickle. please help
  12. dear militant customer, as u said that every time somebody posts on this thread this reminds u to do something i am putting my 2 pence worth keep it up and don't give up!
  13. thanks aviva. have already filled in that form (that they sent) giving details of all my income & outgoings and making an offer to pay £70/month but they simply refused and sent me a letter saying that if i don't set up a dd within 7 days for £206/month they will instruct bailiffs. CAB are overwhelmed so no help there!!! i feel completely isolated with an increasing debt since once the bailiffs are instructed more will be added to the bill!!!! the council are simply abusing their power to get the most vulnerable to pay this tax!
  14. dear militant customer... i have read your post with interest & great admiration! keep it up! these council are true conmen! i wish i had the energy and balls to do what you are doing!!! however unless you continue all your efforts will be for nothing! do you know what on a practical level is required to take this issue to ECJ?! I would be prepared to put in some money for this and if another few caggers do the same maybe a real case could be undertaken! keep up the very good work!!! i feel that the councils are simply stealing from us common mortals!
  15. I have been chased by the council for unpaid council tax debt. The got liability order against me and i sent them my offer to pay (£70/month). They have not accepted this and are insisting on £206/month, threatening that if i don't set up a dd they will send in bailiffs. Since being made redundant at the beginning of last year i have had trouble with council tax. i am now working part time (earning around £800/month) which is not even enough to pay my mortgage (am getting further into debt) and cannot afford the 70 offered (which i am paying and ahve been paying for over 7 months now) le
  16. Thanks for ur help poppynurse. I do not have any credit card debt any more as i paid it off all with the remortgage. I have never claimed tax credits so will look into it. Will also try to speak to a debt advisor (but really the only debt i have now is 2 massive mortgages) and council tax!
  17. Thanks for ur help. My experience of CAB is somewhat negative since they are majorly overworked/understaffed so never really got what i wanted from them. The remortgage buy to let means i took out a further advance on the mortgage for living expenses & to pay off credit card debt! Bottom line is that even though my 'income' (insurance/rental income /wife's part time job) is quite high this goes to pay off debts (mortgages/debts). In fact living expenses (food/utilities/council tax) are not always covered since I am unemployed (and desperately seeking work). The problem is that i
  18. Hi All, I have a question which i hope u can help me with. I am a professional who am used to a relatively large salary with big mortgage but no savings whatsoever. I was made redundant last year but luckily had insurance to pay for my mortgage. Was on jobseekers allowance (getting the £60 odd per week) for 6 months. This stopped and i decided to not apply for income support since i was told that i do not qualify. Basically my wife started working part time following my redundancy (earning around £250/week self employed). We have also a buy to let (with hefty mortgage) which we rent out b
  19. Hope u can help me! 1.5 years ago bought flat and sent initial meter readings to EDF for gas & elec. They seem to have disregarded completely my instructions and never sent me a bill. Now they are claiming around £1800 for elec due from a reading that i assume the previous customer sent them which does not agree with mine. Property was unoccupied for most of the 1.5 years and i have the council tax bill to prove it. EDF won't listen and have slapped me with a prepayment meter and the bill loaded on the meter! Am hoping somebody can help me with some law etc to a) rev
  20. next step will be after submitting this pack. thanks for ur hrlp
  21. thanks for your reply. no i don't have my personell file. should i ask for it? i am claiming wrongfull dismissal. employer made me redundant when the role was still very much needed. i offered him to go part time (for less money) but still decided to go with the alternative (subcontracting out) which would cost him an extra £4K per annum. in reality he owed me money on a personal loan i made to one of the directors so which he did not pay me back for. can u help me? thanks
  22. HI All, i hope you can help me with this! I have made a claim against my previous employer and the tribunal has asked to prepare the bundle within 21 days. I was wondering what should be included, in what format and what if i miss something out... can i add any documents after this! Your help is mostly appreciated. This is my 1st case.
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