Hi Maxxpower, the changes that are taking place are in the Sky Broadband and Sky Talk subscription pakkages. They are very subtle, and take place on the 29th of this month. The changes, i have been told, are very subtle. Sky Broadband S.A. who provide you with sky broadband and talk services, will be replaced by, Brithish Sky Broadcasting Limited. The other changes are to condition 7.5 of the Sky Talk Contract and condition 2(i) of the Sky Broadband contract. mainly about how they will notify you if they modify or temporarily suspend your services, if they need to carry out repairs etc. I am afraid my scanner is not working, so i cant scan it in for you. However, a full set of the updated terms and conditions are available at: sky.com/products or you can request a copy by post. I used these small changes in my contract, to cancel my broadband and talk pakkage. Sky is too expensive for me now. My 12 month contract was due to end, at the end of june. I used their changes to my advantage, since it said, "if you are happy to accept these new terms, simply continue to pay your subscription, otherwise, if you no longer wish to receive Sky Talk and or Sky Broadband services, you must contact them at least 7 days before 29 March 2010. I did receive my letter in January, perhaps they have not sent you one of these letters, or it is missing in the post. They have to send them to all customers, even you, Because the changes have not yet taken place I called them and no one seemed to know much about any of it. But in the end i got there. You have to call the cancellations department for Sky Broadband and Talk, explain that you do not accept the changes taking place on the 29-03-2010 and that should cancel out the contract. I have received a letter confirming the cancellation for the 29th, with no penalty charges, since it is Sky who are changing the T&c's etc. Shalaz

I have cancelled my Sky Broadband and sky talk, due to the new changes taking place in their t&c's on the 29-03-2010. Although the changes are minimal, i saw the chance to be able to end my contract, before the 12 mont period. I informed them and i received an email saying that i could leave them without penalty. My contract ends on the 29-03-2010, the day their changes take place. However, they say it will take another ten days therafter, to disconnect completley. I will be looking for a new provider of broadband and telephone and i am not bothered if it takes a while longer. However, when i call other companies to ask about their services, they say that Sky own the line and unfortunatley the cost could be anything from £69.00 to £160, that i would have to pay, the new provider, to take over the line. My question is, how long does Sky own the Line? I would have thought once my contract has ended, plus the 10 days that Sky say's it needs to disconnect everything, that the line would then become free again, so that i could perhaps take up an offer in the future, from a different provider, that may have offers to new customers. Can anyone help with this question, i would be very grateful, thank you, Shalaz.

Hi Erika PNP, yes it is the same petition as the one i had mentioned! Hope people will sign it! For some reason the link i gave was edited. But yes it is the same petition! Thanks Shalaz

Thank you ee-bee, i hope that people will sign the petition, action has to be taken to protect all clients of the DWP and any other people who have to deal with ATOS or any other company offering the same kind of Medicals. thanks again, Shalaz:)

Hello there, For all those concerned with ATOS and IB medical assessments. My case is a Little different, since i have passed the IB Assessment, on the wrong grounds. The actual illness for which i receive benefits was ignored, even though i insisted that something was wrong with the whole assesment. I protested strongly and was ignored. I persisited, but was ignored. I was assessed on a complaint i no longer had and physically examined for a condition i n o longer had? I was clear and concise about informing him, that this was wrong and that i was in receipt of IB, on totally other grounds, (all of which were stated on my IB questionaire) So i actually passed a medical for IB, with a condition that i no longer had and was never a reason, or part of my claim to Incapacity benefit?? Also the report that has been submitted to the DWP, by that Doctor, which i have received, most of the answers he has entered, ("which i am supposed to have given"), are false. False to the point i can prove beyond a doubt, that these are ficticious answers, that he himself, the Doctor has submitted! Thus, they are LIES. I am not letting ATOS or the Doctor concerned, get away with this and i have no intention of shutting up in order to keep any benefit. When something is WRONG ITS WRONG I am now in the 3rd Stage of my complaint and being fobbed off and messed about. In some parts of my complaint, i am being totally ignored, or cleverishly, they are avoiding giving answers. However, i await their finall investigation in my case, after which i will be taking ATOS to Court, especially the assessing Doctor. I will post everything that i am able to, without bringing my case into jeapordy, as soon as i have my last response from ATOS, due shortly. I will post all i can shortly. Also, if it is allowed, i would like to submit a link, which will enable anyone to sign the Petition, to downing street, asking that all Medicals for Benefits purposes or otherwise, should be recorded, which will cut out a lot of the crap that ATOS is doing to people and sadly, getting away with it! It wont be a case of, "he said she said anymore"! Clients will have a fair and much better chance in appealing descisions, if video/audio evidence of the actual assessment is available! Thanks folks, Shalaz.

Hi there, i have been experiencing many problems with the DWP about all sorts of things and am now absolutley fed up with them and would like to send them a SAR. Could anyone tell me, if and what i would need to change on the template sar request letter that is available here? Also, would the DWP have to satisfy my request, this being a goverment department and all that? I would apprecciate any help given, thanks folks, Shalaz

Many thanks, i will wait and then report them using the link you have supplied! Shalaz:)

Hi Shalaz here, I paid for a SAR Request, using a template letter from here. I enclosed a postal order and wrote on the back that this was for the SAR request only! Studio have still, 5 days left to respond to this request. However, i have recieved a monthly statement and they have used the £10.00 by taking it off the amount owed?? I am now presuming that they have no intention of complying with the SAR request. Has anyone got any ideas on how i should respond?? I know that there is a template letter for no response, however, what kind of response could i sent to them about the fee being used for other purposes than that which i stated? I would appreciate any responses or help with this matter, since i would like to respond to this, next week, when the time limit is up for the SAR request. Thankyou all, kind regards Shalaz;)

Thanks very much for the reply!! I will use the letter you have said and see what happens next! You are probably right, the answer may stay the same?? Yes, i already sent a letter requesting the info under CPR ruling. That was the last letter i sent and the reply was the same! I am sort of running out of replies to send to them! It would seem they only have one standard reply to any requests I have made. Thank you again for your help, Shalaz;)

Hi Shalaz here, I have had several communications, with Studio, since requesting a true signed copy of a CCA in Dec 2008. Al of which have been answered with the sameletter. "Your complaint has been previously dealt with, by myself, Miss K. L. from within the directors office and we now see the matter as closed". They sent me a blank CCA in early January 09. I followed advice given and sent them a letter, Account in dispute. Answer from them same as abouve! They just keep saying they have complied with my request and my complaint and see the matter as closed. The latest letter, last week, states the same, "fully complied with my request, matter closed. They now threaten to pass the debt on to an external DC, unless i give valid reasons why i cant pay urging me to contact them! I have sent numerous letters, re- itterating that the account is in dispute and requesting that they send me a True signed copy of a CCA, for which i had paid. The answer is always the same, they see the matter as closed! Can anyone help me with a letter to send to them as a final and last communication! The letter of dispute, end Jan 09, seems to have had no effect at all with them. They have disregarded my request for a "true signed CCA" and the letter of dispute. Also they have used the £1.00, which i sent to them, for te CCA request, on the account, as a payment? I would be very gratefull for any help with a letter, thanks everyone, Shalaz:confused:

Hi Elg, you are very welcome! Shalaz

Hi Pt2537, I have been trying to do a bit of research myself into the online agreements! I was a little bemused to read this: The E commerce regulations: OUT-LAW.COM: IT and e-commerce legal advice and support Page 394 The e commerce regulations also contain a number of (widely ignored) provisions that apply where contracts are entered into online. I have learned a little about the tick wrap agreements here and have visited a place called, IoD | Institute Of Directors, and read a bit about Website law. Also have just started reading, (EC Directive) Regulations 2002 (the “Ecommerce Regulations”). I have to say, since i have very little experience, i do not understand all of it as yet! But i am trying to learn! Have you any pointers for me where i could get more info on the subject, that would make a little more sense to me, being a beginner on the subject? Sorry to be a nuisance, but i would be ever so gratefull!! Thanks very much Shalaz:) Thanks you very much,

Hi Geordie, i have a thread on here called, "Online tik the box agreements", take a look there and you will see the responses i have so far. I too am looking into anything to do with these online agreements, since i have problems with them too, Catalogues mainly! I am now asking the catalogue companies to send me proof that i ever tikked the box, wheather that be a screen shot or however they would presume to enforce the agreement, if it were to go to court! Since if they took me to court, they would have to supply me with that same info, allowing me to assess case. I will post any answers i recieve from these companies, in that thread, as and when i recieve them! Hopefully it may help others! Anyway, take a look at that thread. Others will help you out on here, who have much more experience than me! Keep your chin up and dont give up! Greetings Shalaz!

Hello Elgrand, i have probs with next, asked for CCA, got a photocopy of a blank agrement, no signature, exept theirs! This is their way of answering your request for a "True copy of a CCA", they send you the blank one and say that they have complied with the law! Your blank copy is much different from the one i recieved, but no matter, what they have sent you is not that which you requested. You may now send a Letter of DISPUTE ( look here on the site, letter templates)There is letter "Account in Dispute" that you can copy, print and send, "signed delivery". DO NOT SIGN THIS LETTER, PRINT YOUR SIGNATURE and put a couple of lines through it, just in case they try to lift it! So long as they do not comply by sending you a, True signed copy of an agreement and you send the abouve named letter, they may not take any further action on the account what so ever and you have no legal obligation to pay them anything, until they provide you with that. If they are unable to provide you with the signed agreement, then they cannot enforce the debt! There are certain rules, if the agreement was taken out online at thier website, (tick the box if you agree), but even then, if their T&C are not correct, then that agreement could be unenforcable! So send off a letter of Account in dispute and wait, dont bother communicating with them, just wait and see which letter they send as a reply. Post it on here ( blank out your details and the acc no). I am sure you will get help on here, at each and every stage! Hope i have been of some help, gretings Shalaz!

Hi there Bill, although i am certainly no way an expert or have any experience in these things, through following this thread of yours, i find it worth the fight to appeal, you have nothing to loose. If you lost it stays with the Sh***y descision of the dj to date, but you could win your appeal! This case stinks, how could a DJ turn a blind eye. I know the descision has put you on a downer, but could that also be what everyone is hoping for, DJ and C's, that youl just drop it and see it as a lost cause! You are right when you say, this kind of goings on could have consequenties for a lot of folks on here, who like yourself are battling it out! If i was you i would go for the appeal and kick some ar**!, especially that DJ, "he has acted wrongly and should be made aware of it! Whatever you decide i wish you well Bill, greetings from Shalaz

Hi there jogs, thanks for that! Could you possibly relay to me, what is missing from their online T&C's, so i can check myself, this would give me a better understanding when i read through them. I have been looking at the online t&c's of my other catalogues and cant see any differences myself. Mind you, i am still in a learning process when it comes to the t&c's, so some things could be staring me in the face and i wouldnt recognise it! But slowly getting there and learning all the time! Would be gratefull for the info, once again, Thanks Jogs, greetings from Shalaz.

Thanks Everyone:). These are not old accounts they are ranging between 2006 and 2008! One of them is only 4 months old and its that one i am having the most trouble with! They passed it on to NDR, ( In house DCA). They refused my offer and said i must have the DMP plan before they will negotiate any offer. They refused the offer thats on my BP sheet, saying it was no where near enough and certainly does not meet what they see as a minimum payment, in order to set up a payment plan. Yea, they want more, as usual, but you cant pluk a chicken when it has no feathers! Or are they trying to gut me! This catalogue was taken out on line in 2008. Littlewoods have sent me a CCA to sign and return twice since taking out the catalogue, even though i have been told that, an online tick wrap agreement is sufficient for them to enforce the debt??? Thats why i never understood the CCA's they sent to me(havent signed them, since i thought it would not be necissary, (ie, online tick wrap) I have a thread regarding the, online Tik the box agreements, where i have been given advice about these. I am still looking into the matter of these agreements, since i find it rather queer that they all have sent CCA's to me, none of which i have signed, since i thought it not neccissary. Yes i will still CCA their DCA, since this department is dealing with it. I will ignore that they are demanding that i have a DMP, before they will negotiate! I thought it was a strange demand, since some other catalogues have willingly accepted my offers, with little or no hastle! Thanks to all the help i have been given on here! I am going to make token payments of £1.00. Wait and see what goes down with the CCA request? Will update as things evolve involving this! Once again, thanks, Shabs, Silverfox and Lilly, have a nice day, Shalaz:)

Thanks for the reply jogs:). Ok i will CCA them, see what they say or do with my request! What about the DMP thing? I have been told i cannot go on a DMP because my debts are not quiet £5000. Thats why i am trying to sort all this out myself, ( with a lot of help and tips from this site). The CCa thing, well i have a thread on here about that, since online agreements, Tick wrap agrements, seem to be enough to enforce the debt, eventhough these conpanies are sending me CCA to sign ( have not done so). I have been informed that since my catalogues were taken out in 2006-2008, i dont seem to have a chance when it comes to the subject of enforcability. Thats why i though, oh well, will have to make offers! Anyway, i will send a CCa request and wait to see what happens! Do i send this to NDR, since it is actually a part of Littlewoods? Thanks Jogs, Shalaz.

Hi everyone, i recieved a letter today, from NDR, inhouse debt collection, Littlewoods. The usual stuff,sending debt collector to my home, Statutory default, court proceedings etc. they ask that i would contact them to arrange repayment. Now since i had already sent littlewoods a PB sheet, stating all my income and outgoings, with an offer of payment in accordance with the info on the that PB sheet. They called me and notified me they will not accept and therefor would be passing it on to NDR. I called NDR, i aked with that same offer in accordance with my Income. They also refuse, saying that my offer does not meet their minimum payment. ( no, i wont be calling them again, just wanted to know if littlewoods had passed on my PB to them). They said, they will not accept my PB sheet, since i do not have a DMP. They stated that i must have a DMP and only in that case would they may consider dealing with me and any offer i have made. They have told me to make token payments and will wait 4 weeks, after that time they will take further action against me. Is that true, that i must first have a DMP, before they will consider anything?? Littlewoods never mentioned this once to me, just flatly refused my offer and a letter i sent asking them to reconsider my offer. Other creditors have accepted my offers, without my having a DMP. CCa request will not help me here, since i ordered online with them. I would just like to get the payments sorted out in accordance with the money i have available for my debts. Any help or tips would be welcome, many thanks, Shalaz.:?

Well I certainly dont mean to instigate such a thing either:rolleyes:! A card does not apply to my situation Steve! My problems are with catalogue company's and they don't issue cards. But i understand what you are saying and will try to make use of all this info, see what i can come up with! I certainly will get to the point that will ask them to supply that Tick in the box. Will now wait and see what comes of my request to them for a cca, using the other section! Since the first request just let them supply me with a blank. But i will continue to research this as much as i can. Will post anything that may be interesting, also if they do supply me with a tick in the box or not! You guys and Gals are great on here, never mind saving up for a SAR, i would rather save it up to donate to this site than give it to them lot of money grabbers! The service here is to be applauded! FANTASTIC!!! Many thanks Shalaz:D

Thanks for that one Steve:)! Slowly but surely i seem to be getting more info on this subject with everyone's help on here. I am going to try to find out as much as i possibly can about this! I know i have been told not to put to much onus on this subject, but i think it may worth looking into and questioning the whole process of these Tik the box agreements. Dont mean to sound stupid, but i wonder in the case of identy theft, that the tik the box, ( no actual hand written signature ), how a person accused of ordering goods, etc, would prove that he or she was not that person. One could prove that an actual signature, is not his/hers, but not that tik the box! Since goods can be delivered to different adresses than the one stated in many cases, some people wouldnt even know that someone was ordering goods, using their identity, untill the goods were not paid and the company contact the person, whose identity it is really is. I wonder how these catalogue company's would deal with that? Also how a person whose identity has been used, would prove otherwise. They would probably start by asking the company for a CCA, with the argument, never ordered anything etc, so show me! The company would supply a blank agreement, as they often do, and at the end of the day, use the tik in the box as proof, since the law says that that is sufficient to enforce the debt! Or am i now loosing the plot:roll: Shalaz

Many thanks Davey77, yes i have read that one you said about, "why you should not request under section...! Have sent such a request off today, lets see what that turns up! Thanks for taking the time to answer, it was late last night, really appreciate that! ;)Shalaz

Thanks Davey77, The t&c above are the ones that they ask you are asked to read, before you actually tik that box, which means you agree. The thing that has bothered me is that, even though the law changed, regarding online tik the box agreements ( i took my catalogues out after the law had changed) They still persist in sending me cca's to sign and constantly remind me on my statements, " if you have not signed the agreement, please do so and send it back to us". Naturally i ignore this. I just cant get to the bottom of why if the tik the box is sufficient for enforcment of the debt, why they are continueing to pester me into signing the ones they send me? Thats why i get the feeling that there is something wrong with their online tik the box agreements? It just keep bugging me? Any ideas on this, or how to find out if there is something wrong with the tik the box thing! Since one can request a CCA from creditors,(usualy the paper sort, then would it be worth asking for "the tik in the box" Screen shot or however they would have that stored? Since that is then supposed to be a signature relating to that account? Maybe a SAR request would uncover this? I just cant afford the £10 for that, not for a long while anyway! Talk about old mother hubards cupboard! Thanks Shalaz:)

I thank you for the email addres! Now i can get some of their "ever so nice communications " sent to them, see how they like it! I don't suppose they want us to communicate with them directly, but they do own all these Catalogues. Since the catalogue company's don't seem to be able to communicate in a civil way, lets see what response i get from them??? They will have plenty to read for a while, or they will bin it all directly, but then i will keep sending everything, per post and per email, untill i get a reasonable response! Thats what all these catalogue companys do, hound you, bully, threaten, send letters like there is no tommorow all from different persons and departments. Just want to drive them mad for a while, well as long as it takes! Thanks again for the help! Shalaz;)

Hi everyone, I would like to know if anyone has an email addres for Shop direct Finance company limited. Since all my catalogues fall under this company, i wish to scan in and send that company all the trash mail etc, :mad:that i recieve from the catalogue companys, about my debts etc and the way in which they deal with me. Probably wont make a difference, but i would like to keep sending them all the rotten letters etc that i get, as each and all arrive. Have looked at their company online, but cant seem to find a direct email adress. Yes, i will be sending them by post, but i want to do this also by email. Let em see what its like to be on the recieving end! I would appreciate any email adress associated with them, so if any one can help i would be very gratefull. Thanks Shalaz.