Jump to content

 

BankFodder BankFodder

teachme2teachu

Registered Users

Change your profile picture
  • Content Count

    18
  • Joined

  • Last visited

Community Reputation

1 Neutral

About teachme2teachu

  • Rank
    Basic Account Holder
  1. Hi guys (ssparks2003/Sidewinder) Thanks for your thoughts. The reason I suggested a Subject Access Request was because it would probably allow me to give more accurate info to prospective employers. However, I can see the point you make about extended work histories. I have to admit that when I was the employer, I was more interested in a person's recent work history (the last five to ten years) than what they did thirty years ago. I think my own cv which covers the last 20 years is about right so I think I'll stick with that. Once again thanks for the input, its always good to get another viewpoint. Cheers
  2. Hi all! Until recently I was running my own business. Times have changed and I find myself in need of paid employment. A lot of companies ask for FULL EMPLOYMENT HISTORY since leaving school. I'm quickly approaching 60 years old, I've had numerous jobs since leaving school and don't even remember the salaries of most of them. I feel that if I were to submit an application WITHOUT a full employment history since leaving school, my application may only get as far as the waste paper bin. Any of you knowledgeable people out there know if a Subject Access Request to the DWP would give me the required info for these demanding employers? Kind regards
  3. Hi Tingy, many thanks for that. I have already made an initial payment to CC which will be followed by further monthly payments until the debt is paid off. The initial payment was made over the phone and I was given a payment reference number. I also informed the CC I would continue to make regular monthly payments of a specific amount which they have noted on my records. So far I have not had any visits from bailiffs. They have contacted me by letter asking for my proposals for paying the outstanding debt, but have ignored those proposals when submitted by recorded letter and have merely replied by threatening to send a van round to collect my property. They'll get no joy from me I happy to say! I will be contacting the CC again by way of a formal complaint against the bailiff company (equita) they have employed. Am I right in thinking the CC has a responsibility to ensure the bailiff company they employ conducts themselves in a proper manner and follows specific codes of conduct and practice? Once again, many thanks for your help. TM2TU
  4. 2. The council will for the moment deny they cannot take the debt back - they are lying, but that's what they'll say. . Hi Tingy, I have also been told by my county council that once the debt is with the bailiffs, it is out of thier hands and I can only deal with the bailiffs. The council will of course accept payments direct to them. What therefore is the legislation, in existence that requires a county council to take back/manage an account once it has been handed to a bailiff? What would I be quoting in a written request to the county council to manage the account? Regards TM2TU
  5. Hi m2ae, I was about to send SAR to BT but your post has made me think again. This is an alleged unpaid landline bill which BT have passed on to a DCA. Having read Art 3(1) I came to the conclusion laid out in my original post. Any further info you might have on this issue will be greatly appreciated.
  6. Yes of course it is, I am a nugget. Many thanks Martin3030 I'll get on it right away.
  7. Hi Martin3030, sorry to be a pest, which forum have you moved this to?
  8. Hi Harassed Senior, ok thanks for that. What I am trying to establish is whether or not the debt exists. This has been passed on to Wescot for collection by BT. Should I have sent a SAR rather than a CCA. I have no intention of paying anyone any money unless the debt actually exists!
  9. Hi everyone! I have recently sent a CCA request to Westcot in connection with an alleged unpaid BT phone bill. Today I have received the CCA back along with the fee of £1. Included was a short note as follows: "Following your request for a copy of the signed agreement we can confirm that this account falls under the following legislation, Consumer Credit (Exempt Agreements) Order 1989, Article 3 (1) and is therefore enforceable. Trusting the above clarifies the situation" I have read the above CCA and am under the impression that this piece of legislation applies to Fixed Term loans for a specified amount payable in no more than four payments, over a period not exceeding 12 months without interest or other added charges. The former agreement with BT was for ongoing services i.e. the provision of a landline which was billed quarterly on the basis of its use and included fixed hire charges. I have looked at the list of companies whose agreements fall within a category covered by this legislation and BT do not appear there. Are Westcot mis-quoting legislation? Should I send them a CCA non compliance letter? Anyone who can offer advice on this issue will be greatly appreciated. I was feeling quite confident in my handling of DCA,s but this reply has knocked me slightly askew.
  10. Hi all, my appologies for hijacking this thread but I've had no response to my own new thread and need some advice. Any advice on the following is greatly appreciated... Hi everyone! I have recently sent a CCA request to Westcot in connection with an alleged unpaid BT phone bill. Today I have received the CCA back along with the fee of £1. Included was a short note as follows: "Following your request for a copy of the signed agreement we can confirm that this account falls under the following legislation, Consumer Credit (Exempt Agreements) Order 1989, Article 3 (1) and is therefore enforceable. Trusting the above clarifies the situation" I have read the above CCA and am under the impression that this piece of legislation applies to Fixed Term loans for a specified amount payable in no more than four payments, over a period not exceeding 12 months without interest or other added charges. The former agreement with BT was for ongoing services i.e. the provision of a landline which was billed quarterly on the basis of its use and included fixed hire charges. I have looked at the list of companies whose agreements fall within a category covered by this legislation and BT do not appear there. Are Westcot mis-quoting legislation? Should I send them a CCA non compliance letter? Anyone who can offer advice on this issue will be greatly appreciated. I was feeling quite confident in my handling of DCA's but this reply has knocked me slightly askew.
  11. Hi everyone! I have recently sent a CCA request to Westcot in connection with an alleged unpaid BT phone bill. Today I have received the CCA back along with the fee of £1. Included was a short note as follows: "Following your request for a copy of the signed agreement we can confirm that this account falls under the following legislation, Consumer Credit (Exempt Agreements) Order 1989, Article 3 (1) and is therefore enforceable. Trusting the above clarifies the situation" I have read the above CCA and am under the impression that this piece of legislation applies to Fixed Term loans for a specified amount payable in no more than four payments, over a period not exceeding 12 months without interest or other added charges. The former agreement with BT was for ongoing services i.e. the provision of a landline which was billed quarterly on the basis of its use and included fixed hire charges. I have looked at the list of companies whose agreements fall within a category covered by this legislation and BT do not appear there. Are Westcot mis-quoting legislation? Should I send them a CCA non compliance letter? Anyone who can offer advice on this issue will be greatly appreciated. I was feeling quite confident in my handling of DCA,s but this reply has knocked me slightly askew:-o
  12. Hi gersgirl1690, you should keep the answering machine recordings. These are evidence that they are in breach of the Data Protection Act. Also, when Cabot contact your work colleagues are they telling them that you are in debt and owe them money? Again if this is the case they are divulging personal information to people who have no business knowing it. They are obviously harassing and bullying you. You should report their activities to the police. The police are duty bound to investigate your claims.
  13. Hi all. Somebody's hand needs to be forced here! Lost deferments even though they are continually resubmitted at SLC/HSL request? SLC/HSL owe us a DUTY OF CARE when dealing with ANY of our enquiries/requests. Should'nt we be building a legal case against these halfwits? There's certainly enough of us!!! I think it's about time we started lobbying MPs and government ministers. Start a petition against SLC/HSL. My deferment form request was lost/filed in the bin 5 years ago despite my continual reminding letters. The whole of my student loan is now in arrears. I believe SLC/HSL have failed in providing me with a DUTY OF CARE in that they lost/failed to respond to deferment requests and therefore forced me into default of my student loan. HSL need to be dragged into court, forced to confront the thousands of people to whom they have caused so much misery and have their licence revoked permanently. The same should also apply to their cohorts in this whole fiasco, Pennine Debt Recovery, AKA PDRS, AKA Brookdale & Walker Associates. These lowlifes continually ignore disputed claims and seem to be hell bent on trying to cause as much misery as possible through threats of legal action, personal visits and harassing phone calls. These organisations are well aware of UK law regarding their activities but openly flout it nonetheless. It's time to make a stand people!
  14. Hi hardboiled, I would have thought that if they were a legitimate company they would be registered with Companies House, but they're not! I find that a little odd!!!! The fact that I can't find a listing for them anywhere makes me a little suspicious.
×
×
  • Create New...