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About marley100

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  1. Thank you so much for your advice. I will send you the letters for further consideration. I will try and do this tomorrow. Thank you once again. you have been very helpful. Best regards.
  2. Hi, The last payment was september 2009 and yes I received a default notice dated November 2009. Deafault actually registered Feb 2010
  3. the loan was not secured and it was under 25K and it was made under section 77 of the CCA
  4. Hi, Yes it was a fixed sum loan Taken out in July 2007 for a period of 96 months. Yes, a section 7 request mas made in July 2009. Thank you for your time.
  5. It is Natwest. however, I recieved the normal 'you still owe this money' letter from RBS today. It was from their debt management operations dept.
  6. Hi, The letter was dated 11th Nov 2010 and without prejudice. and related to asking them under what authority they are passing my details to a third party (credit reference agency) and asking them to stop this activity. I referred to the loan as an alledged loan. Thanks
  7. good evening all, I am close to the end of a six year default by Natwest on an "alledged" loan. They have been unable to locate the original credit agreement rendering it unenforcable. I have been reading about the 6 year time limit but am usure on a certain aspect. It states that the 6 years can start again if a payment has been made or if you have acknowledged the debt in writing. I would be grateful if someone could clarify what constitutes "acknowledged". I last wrote a without prejudice letter to them in November 2010. I stated in the letter that i am writing on conjunctio to t
  8. Thank you all so much for replies. You've been a great comfort.
  9. Thank you both for your reply. I am basing it on my last date of payment. Great advice on the extra couple of months too. Thank you.
  10. Hi all. I am very close to a loan with natpest becoming statute barred due to the fact that it is almost 6 years since my last payment and also they have admitted that they do not have the credit agreement. My worry is that I have read on money saving expert that if you have had contact with the lender, the 6 years starts from the time of your last correspondence? Is this true? I have never admitted the loan but have questioned their actions etc. I am reluctant to write to them informing them that it is now statute barred in case the clock starts again
  11. Hi All, My wife is currently in the process of bringing about an employment tribunal against her employer. The employer is trying to get my wife to a capability hearing where I believe they are looking to dismiss her on medical grounds. My question is......If an employment tribunal claim is lodged, making it a formal dispute, are the capability proceedings or any other internal procedures then put in abeyance or stayed? Thank you for taking the time to consider this.
  12. Thank you Emmzzi, We have exhausted the Grievance procedure to no avail. They have investigated all her grievances with internal managers.......(need i say more) we are now in the appeals process but I am not holding my breath.
  13. Hi Citizen8, Yes she is in the PCS but they havent been a great help and I get the feeling that they will only get involved once she has been sacked.
  14. Hi Emmzzi, Thank you for your response. Her adjustments are extremely low cost with no impact on work completion within the required timescales, or other staff and risk. Her periods of sick date back to Easter 09 and all relate to her disability. All surgery has been corrective and there is no further sickness anticipated with a full return to work now possible. I believe that they do not want her back as they realise that they have failed in their duty of care to a disabled member of staff and are doing their best to get rid of her before we take them to a tribunal. Thank
  15. Thank you so much. Any help would be great as we cant afford a solicitor due to her being on nil pay. Kind regards
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