9th Jan 2008 was a Wed so allowing 4 days for postage would be deemed served on Tues 15th, 14 clear days is 29th so the only way this could ever be valid would be if 1st class was used. Please could this thread be left for Basil Fawlty seeing as it is actually his?

And the answer to part 2 of my question is...........?

Enron, it says the file is corrupt

And which email address would we need to use? What guarantees are in place to prevent 192.com collating our email addresses for whatever purpose?

Thanks hun. Will just carry on ignoring then

Got another identical letter with the date being the only change. Still no CCA from Citi or Moorcroft. I'm inclined to simply ignore but any advise on my next move?

I got my charges back after 1 letter & several (intrusive) calls to establish hardship. Repaid in full but no interest though http://www.consumeractiongroup.co.uk/forum/general/217333-confused-about-interest-hardship.html I have to admit that the lack of 'Won's in the hardship forum is a concern for those embarking on this route.

UK Mails website states that their mail is delivered in 3 working days so is 2nd class & invalidates the DN - happy days

Does it have UK Mail or TNT or something similar where the stamp would normally be? There should be something there or the RM would be charging you for its delivery (God, hope that doesn't give them ideas ) If posted 1st class, date of service would be 8th and 14 clear days would be 22nd If posted by any other method, date of service would be 10th and 14 clear days would be 24th so IMO, the notice is invalid.

I'm sure dd is right here - check your PC for previously saved files of cancelled contracts etc. I'm sure you'll find it in there but do make sure you look hard enough!

Definition of sexual harassment here Sexual harassment - Wikipedia, the free encyclopedia Of particular note to the OP: Sexual harassment can occur in a variety of circumstances. Often, but not always, the harasser is in a position of power or authority over the victim (due to differences in age, or social, political, educational or employment relationships). Forms of harassment relationships include: The harasser can be anyone, such as a client, a co-worker, a teacher or professor, a student, a friend, or a stranger. The victim does not have to be the person directly harassed but can be anyone who finds the behavior offensive and is affected by it. While adverse effects on the victim are common, this does not have to be the case for the behavior to be unlawful. and Retaliation and backlash against a victim are very common, particularly a complainant. Victims who speak out against sexual harassment are often labeled troublemakers who are on their own power trips, or who are looking for attention. Similar to cases of rape or sexual assault, the victim often becomes the accused, with their appearance, private life, and character likely to fall under intrusive scrutiny and attack.[3] They risk hostility and isolation from colleagues, supervisors, teachers, fellow students, and even friends. They may become the targets of mobbing or relational aggression.[4] Natalie - we don't know if he has been sacked by HIS employer at all. All we DO know is that ASDA have refused to allow him to work in any of their stores - a significant difference I hope you agree.

TomTubby - have sent you a PM. Slackda - sorry for hijack

What an ideal world you live in Danny never having made any financial mis-calculations, always being employed & god forbid, never ever in debt to anybody. So what would you say if you walked a mile in my shoes I wonder. 1yr ago, my business was thriving & we were financially sound. Then came the biggest recession this millenium & our business is now no more, we have possession proceedings being brought against us for our home, court claims for unpaid debts & on top of that my disability has been confirmed as never ever going to be resolved. Your over-simplistic view does not allow for clearly greedy institutions who only want the money but without taking responsibility for mistakes they made when contracts being agreed ie mis-sold PPI etc. BTW - which bank a/c is available for those of us who object to the standard T's & C's such as charges? I & millions more would love to know the answer to this particular question. A FAIR system for both supplier & consumer is never going to exist & if you truly believe it does, then I pity you but I will never bow down to you & your sanctimonious beliefs.

I had a very similar thing earlier in the year. Thread here http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/210044-quoteline-direct-hc-insurance.html Although I never updated it (oooops!), I did eventually get a result by MMA (owners of Quoteline) writing off the amount they claimed that I owed I had to get FOS involved & stuck to the facts but was amazed at the stuff I eventually got from MMA - included the renewal notice they allegedly posted in time but funny how they referred to it as 'coming soon' in their email dated the day before renewal due Do complain to FOS & stick to your guns on this.

Can you scan a copy of the N1 & post on here (after removing identifying references). This will help other caggers who may be able to offer advice.

Edit to suit (much of it is not appropriate for your case) & send it to the Co named on the N1 claim - might be Philips or Solicitors. Send it Special Delivery & print off the tracking info from RM site to prove receipt. Keep copies of all documentation & receipts as these will help your case. In the Northampton County Court xxxxx v lonerider Claim Number: Dear Sir, REQUEST FOR INFORMATION I have received a recent court claim from your organisation. In order to file a defence and counter claim I require some information. 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. The information must be furnished within fourteen days of the receipt of this letter. 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. True copies of any default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold. 1.1 If copies of any of the above documents are to be relied on in court rather than originals, a copy of the Notice of proposal to adduce hearsay evidence required under s2(1) of the Civil Evidence Act 1995 together with proof of the authenticity of the document(s) as required under s8(1)(b) of the Act, including but not limited to: (a) a copy of the procedure(s) used for copying, storing and retrieving documents (b) a copy of the relevant log entry showing the time and date of the scan or copy, the name of the member of staff making the copy, the method used for copying, storage and retrieval and time and date of destruction of the original document(s) © copies of internal and external audit reports covering the entire period from the date of the copy to the present to demonstrate that the procedures have been complied with (d) copies of Quality Assurance accreditation certificates covering the entire period from the date of the copy to the present to demonstrate that the procedure(s) and audit process(es) comply with the appropriate quality standards 2. All records you hold on me relevant to this case, including but not limited to: a. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor b. 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 xxxxxx c. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions. d. 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. e. 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. f. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998 g. 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. h. Copies of statements for the entire duration of the credit agreement. 3. Any other documents you seek to rely on in court. I will require this information within the next fourteen 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. Yours Faithfully,

Blimey, must be a slow day in the offices - there are 8 guests on here at the moment. Do feel free to register & add your comments but do be aware that Caggers can spot trolls from a long way off

PLEASE list the details on Who Calls Me.com

Send them a CPR18 letter asking for all the info they are relying on in this case. There are many people who are taken to court (magistrates) for not providing SORN details. As far as I am aware, every single one of them was won by the defendant because the onus is on the defendant to post the info & is not liable if royal mail fail to deliver it on time. It would appear that your case is slightly different in that a DCA is issuing a civil claim against you but your defence would be based around the fact that you posted the SORN info in time & using the interpretations act as mentioned earlier, you cannot be held responsible for the DVLA to have received it late. You could ask for a copy of the SORN info provided as this may demonstrate that you did indeed sign & date it at the relevant time. To claim that one would then not post it until several months later would be a ridiculous claim, IMO.

Awww teaboy - you scared him off cos he's gone

The OP said that he was sent packing from Asda but I can't see any reference to the fact that he has been sacked from his employers who are not Asda. He might be working in another store by now preparing to insult & verbally abuse other women in a town near you! £100 store vouchers? Erm, that just means that the store retrieves EVERY PENNY BACK so is hardly suitable compensation IMO. Women will always have a different view on comments like this when compared to a mans point of view & I commend the OP for being as disgusted with the guards actions as his wife & child were.

Good result in the end then Which company was actually making the calls? Knowing the co & number may help others who find themselves in a similar predicament It might also be a good idea to list the number & name on the 'who calls me' site.

The guard may have been sacked (although we don't know for certain since he is contracted to Asda, not directly employed by them) but the OP's wife gets no benefit of that action & is entitled to compensation for the actions of the guard.

Cheers for the tip! Would have automatically done it online but now I'll make sure he does it by phone if it needs to be done I'm hoping its a good sign that they rang him yesterday & asked him to cover the night shift and we heard 3rd hand that he did really well in his interview. Add to this that last year they kept all the temps they had employed, I'm hopeful that this will be the case this year

You need to TELL payplan what you can afford to pay & if necessary, draw up a fully itemised income & outgoing sheet that allows for EVERY expense you have in Oz (after all, how can this be proved ) then the remainder is available for paying off debts in UK. The minimum amount payplan work with here is £100 per month. It's your money, your debts & you need to decide whats fair & whats not. The very fact that you are willing to pay is commendable.