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Norman1066

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About Norman1066

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  1. OK, I figured it out myself. I know what I have to do. Thanks, this is a great site! The latter part of this letter gave me my angle of attack: http://www.consumeractiongroup.co.uk/forum/content.php?829-Charges-successfuly-reclaimed-from-RBS-last-year
  2. I've just realised that I've probably been getting these charges for a long time. This latest one has seen them strip £153 from my account. How do I go about claiming this money back? I should point out that I specifically asked for no over-draught when I signed up for the account around 6 years ago. I think I may have had this happen a few times over the years and simply not noticed. Thanks in advance for any help.
  3. Hi mate. I'm actually self employed now and am setting up a second business. Thankfully i doubt i will ever have to deal with those morons ever again. been on a huge learning curve the past couple of years. However from my experience with the job center it seemed to me that the best way was to go on the offensive. accuse them of something... complain, complain, complain. you have to do it all in writing and it helps if youa re good at writing and can twist situations to your own advantage. Above all you should always bear in mind that you have human rights and that the governmen
  4. always get a receipt of proof when you hand in an appeal... always hand them in personally too, never post them... even with the proof they will sometimes get 'lost'.
  5. could you show me where i've specified the court system involved? My point is that she should only agree to pay in principle, and should first await the court decisions as to when the alleged offence took place. In her addled state she could well have gotten confused over the dates, and often a court case will help clarify all of the little details. So long as she promises to pay anything owed once the decisions are final then she loses nothing. also any payments made in relation to compensation for a criminal offence are proposed by criminal courts... so they could make her pay back
  6. OK, well the court would still be able to determine when the actual fraud started, the dates... only after hearing all of the mitigation. then the court could even decide that she doesn't have to pay anything back, what then? she may well have committed the fraud but it could have been caused through the negligence of job centre staff. So although guilty, she is not to blame.. this is why i wouldn't pay back a thing till after the court hearing.
  7. say nothing at the interview and offer to pay back the monies at a fair rate. job done. if they want to waste public money taking you to court after offering to pay back the money then more fool them... IMO.
  8. no you have to go guilty, being ignorant of the law is no excuse. what happens then is that your mitigating circumstances come into play. Of which you have plenty... any judge/magistrate in the land will feel for your situation. they're used to dealing with real criminals... you will be like a breath of fresh air. I'd stop making any payments and await the court decision. it could be that you don't actually owe all of that. don't worry, the courts are there to protect your interests, certainly so much more so than the people working for the benefits services.
  9. nervous of what exactly? what are they going to do? why would you be important enough to go into a newspaper? yes they will probably watch you, if you're not doing anything wrong you don't have anything to worry about. If you have then tell your bf to disappear for a couple of months. no biggy.
  10. Never answer any questions unless you want to incriminate yourself... always bear in mind that you are never obligated to answer any questions and that the burden of proof rests with the authorities. I honestly cannot believe they'd waste good money on these ridiculous accusations.
  11. Because there is no need to offer an explanation... you are not obligated by law to do so. Then any decision made against you must be overturned as the evidence they have is not enough to lay claim to any real proof. The interview is a sham and devised, solely it seems to me, to gather more evidence from the client's own mouth. why would this take months? Even so you can claim hardship and crisis loans to see you through while the employees at these places figure out exactly what our rights really are.
  12. there were aspiring doctors at your new deal program? so for somebody with mental health problems would you suggest they take psychiatric drugs? http://www.seroxatusergroup.org.uk/The%20Creation%20of%20Senseless%20Violence.pdf what you think you know has been told to you by somebody else and you are merely echoing their thoughts. Why not try thinking for yourself instead? just because a substance is banned this does not make it bad, and just because a substance is legal this does not make it OK. this is what i mean by thinking for yourself, if we all did it th
  13. like i said, if she'd have kept her mouth closed then this would end up in court... and then she keeps her mouth closed again and the case is thrown out of court through lack of evidence. Putting myself in her shoes I would have found being interviewed by job centre staff as a bit of a joke, and refused to answer any questions put to me. then if the claim is refused on the flimsy evidence i would question the right to make that decision on that basis. also they would get overturned right away before any court action anyway as they couldn't possibly win. Also if they lost I could then sue
  14. thanks... i'll look into that. I'm just slightly worried as technically i'm the owner of a business yet i haven't started trading yet. would i still need to fill in a VAT return? If so, would i also get this through the post automatically or would i need to do it off my own initiative? Don't worry about answering if you don't have the answers to hand, i'm sure i will find out soon enough.
  15. yet at the same time stress is merely a symptom of life, an ordinary symptom of the day to day drudgery. This is why we have alcohol and cigarettes, stimulants/depressants to help one unwind after a stressful day. stress is our number 1 predator. smoking a joint of cannabis in the evening is far better for you and will relieve symptoms of stress... any mental health issues will also come to the fore and you will be able to deal with them. if not then you're probably better off in a hospital somewhere. My experience of people on the sick is that maybe as much as 50% of them are lying.
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