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About kateandpete

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  1. Yes, that's the spreadsheet I've done but wasn't sure if it all applied from the word go. Too true about not knowing the full cost - filling out the spreadsheet was a real eyeopener! Will get it all sorted and post with updates as I go. Thank you
  2. Thanks very much! I've already completed the spreadsheet so will get to work on a letter and questionnaire. Do you have any idea how the FOS would be likely to regard a complaint like mine? If it is declined can court still be used as a last resort? Also should I request statutory interest from the outset or does this just come in if I need to escalate things? Thanks again.
  3. Hi, I've spent quite a lot of time reading around the subject before deciding to get started on my own PPI claim, but am afraid I still have a few questions to ask of more experienced people! The loan in question was taken out in 2000 and paid back in full in (late) 2006. I have the original loan agreement and all statements bar one page (irritating but I know that it only included the first repayment, the date and amount of which is detailed elsewhere). A single premium PPI sum was added to the initial amount. I believe that I am a victim of misselling for several reasons: I wa
  4. Ah, that's interesting. I paid by credit card, but, presumably I'd still need to be able to show that they'd not complied with SOGA to legitimately chargeback? If they are right I have no basis to do so? thanks
  5. I have recently bought 12m of fabric to make curtains. The fabric was discounted as end of line but not labelled as faulty/seconds etc. I have the receipt and made the purchase one week ago. After cutting the fabric into 3m sections for my curtains I have noticed a fault in the middle of one of the drops. This will be fairly obvious in the finished curtains. My thoughts are that I was sold the fabric as suitable for making curtins and free from defects. This is not the case. I have proof of purchase within a short time period and the flaw is clearly a manufacturing defect and as such was
  6. Last week I inadvertantly opened a letter for the previous owner of our house. It was a warrant of execution for an unpaid parking fine 3 years ago. I immediatly wrote to the council to expain that I was not the person in question and that I had no knowledge of him or the vehicle involved. I also asked in the letter for written confirmation that no bailiff would be instructed to attend my property. Having heard nothing back I called the council today to request this confirmation and was told that the bailiffs had been instructed and that it was up to me to provide them with evidence that
  7. Yes, I understand this. As I say, I know I have been in the wrong, but don't really know how to sort things out. Coming clean seems to be the right thing to do, but I'm scared I'm implicating myself and lining myself up for major problems. To be honest I'd accept a fine no problem within reason, but am scared we're going to be talking eye watering amounts, or even a criminal record?
  8. The thing is the DVLA have not contacted me to make any demand... I need to make contact with them somehow initially.
  9. Thanks, Do you think I should send the letter as it is for now and see what they say? the initial SORN was, I think, registered correctly against the car, but has not been updated as i forgot all about it and the change of address never seems to have been updated. The postage issue may stand for the failure to update the address (in fact I am sure there has either been a problem with Royal Mail or DVLA) but not for 6 years of undeclared SORN surely? Is admitting that I did not follow the rules the wrong thing to do? Are they likely to try and apply a single fine or is it going to get si
  10. I have drafted the following letter. Any advice/thoughts would be appreciated. Is the last paragraph necessary? I was looking at this thread which made me think it might be a good idea. Re: Vehicle Reg XXXX XXX Dear Sir/Madam, I am writing to you regarding the above car. We declared it SORN in 2003 and it has been kept off road ever since. Shortly after the SORN declaration we moved house and notified yourselves of the change. We have never since received any correspondence from DVLA regarding the car. I am now considering scrapping the vehicle and realise that I do n
  11. I realise that this is all my fault but would love some advice as to what to do at this stage..... In 2003 I delcared SORN for a car registered in my name. Shortly afterwards I moved house and sent off the slip on the registration document to advise them of change of address. I never received anything back from the DVLA and as the car was off road (in a relative's garage) it was very much a case of "out of sight out of mind". Now I need to either scrap the car or sell it for parts but have realised I should have been delcaring SORN each year and do not have an up to date registration doc
  12. Oh, another thing I wanted to ask... I can find this type of thing quite intimidating and especially so at the moment. Do you think it would look very unprofessional to ask that my husband be allowed to accompany me to the meeting (bearing in mind it is as a result of my offer rather than any action by them)? Financially he is as much affected as me by all of this and i would find it really helpful.
  13. So the meeting on Monday never went ahead. I delayed setting off on holiday (had booked this week off months ago) to attend but when I had been given no indication of time etc by 2pm I set off anyway. I have been in touch with colleagues and know no-one was told anything on Monday. Today I have received two letters by email in response to my offer. The first (which I think was sent to all concerned) thanks for positive response to the meeting and states that due to further developments no decision will be made until after next Monday (2nd). The second seems much more aimed at me individu
  14. Thanks very much both of you. I had realised that the tax on this year's portion of MA would be in my favour, but had totally failed to connect that with an increase in tax credits. And yes, I hope they have realised they can recoup the smp, unless actual cash flow is so much of a problem they want to avoid it anyway?
  15. I hope that that is the case. I did consider chancing a higher severance pay, but the risks feel quite large if they decline, so decided to go with what I think is fair. I do find them quite unpredictable unfortunately and am not sure if they would really run scared of making me redundant. The speed with which they seem to be acting and the timing is making me wonder if it is being targeted specifically to avoid smp obilgations. I realise of course that they would not admit to this!
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