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About kingsallycafac

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  1. Sorry for the delay getting back to you but had a very long day at the hospital with Drs and community mental health team sorting out the discharge today and care plan. My son is in receipt of DLA higher rate personal care and lower rate of mobility. He does not have a blue badge. The bailiff arrived my sons flat and my other son who stays at the property answered the door and explained that he was in the psychiatric hospital. He panicked as did not know what to do as bailiff was threatening to take the car and was insisting on payment even though he was told that he was in hospital was unwell and a vulnerable adult. Because he was so frightened by the bailiff he gave him his dads number who in turn gave him mine. The bailiff actually told me that he had spoken to his dad and that is how he obtained my telephone number. I can also say that that I am certain that the notices you have mentioned would have been posted through the letterbox but the ill son would not have opened them. The reason being, which came to light today is that he was not aware that any fine was issued and this is because the other son was the offender in the first place and he was hiding the letters ! The plot thickens . In fact after today’s meetings my son is being placed on the adult safeguarding register as other things have come to light. I will I’ll send my contact details via the email address you have mentioned, along with my sons details. All I have is email receipt of payment and reference number regarding this from Marston Holdings ltd which I will send to you as well. Very kind regards and much very grateful for your time.
  2. Hi there, need some advice! My son is severely mentally ill with paranoid schizophrenia and psychosis and an extremely vulnerable adult. To cut a very long story short, about 4 weeks ago whilst I was on holiday I received a telephone call from an enforcement officer requesting a payment of £513.00 for an outstanding parking fine. I explained to him very clearly that my son was currently in hospital in the psychiatric ward. He totally dismissed this and said that whilst he was sorry that my son was in hospital he had to take payment and if not that he would take his car regardless of the fact that it was financed as he had the power to do so. I explained that he is a vulnerable adult and that I was pretty certain he could not do what he was saying. He continued to say that he could and he would remove his car if I did not make the payment. As I was in Spain I felt that I had no choice but to make the payment which I did. I am now back home and my son is still in hospital and had a little time to look into this further. My question is should the enforcement officer knowing that my son was in hospital and mentally ill referred this outstanding fine back to the creditor ie Lambeth borough council due to the circumstances and also waived the enforcement fee ? As looking through the disability act this is the impression I am getting. Any advice on this would be greatly appreciated.
  3. Thank you for your response. I thought that as it will now be the redundancy payments service now having to pay me, that I would only receive the statutory amount and not any interest that has now built up ! This will be extremely helpful as company owe me outstanding wages etc that I will not receive !
  4. Afternoon everyone, Just a question really as follows: I was made redundant 31/07/2015 and followed all the correct procedures. Went to employment tribunal and won my case, which was not contested. Recieved my judgement order on 18/03/2016, which has not been settled. I found out that my previous employer has since closed the business and as of yet not legally gone bankrupt, called in an insolvency practioner nor liquidated the company. I applied to the insolvency service which is going through now and I received a letter saying that they will pay the redundancy as per employment judgement order and then go after my former employer for the monies. I was awarded the judgement for redundancy along with a calculation date of 8% simple interest payable on a day to day basis starting 01/04/2016. So my question is will I get the interest that has occurred or just the statutory redundancy payment. Many thanks in advance
  5. Yes it is a joint mortgage. As far as I am aware no claim as of yet has been made against him. It says in the letter from 1st credit that "court proceedings Being considered", "if we issue proceedings we will claim legal costs and interest" and the usual jargon regarding what will happen if hey do obtain a judgement etc.
  6. Thank you for the quick reply. Feeling slightly less anxious! Would you advise that my son contacts 1st Credit to make an arrangement plan, bearing in mind he has not money at the moment? It would have to be a very small gesture of a payment. Thank you sally
  7. I really need some advice please and not sure if I am posting on the correct sub forum January 2009 I left my husband and left with nothing, I lived with a friend for a few months who then kindly gave me a job. I then started looking for places to buy to start back on the property ladder but was not earning enough to buy a property on my own as such. my son kindly offered come onto a property with me as he was employed and had a very job at the time. Now I put the deposit down on the property, using the money from my divorce settlement and have made every single mortgage payment since. My son has never even lived at the property ever. He agreed to go onto to the mortgage purely so I could by a place of my own. in the past three years, my son became very ill and kept this from me as he did not want to worry me, (only found out in the last year). He lost his job due to his illness and used his credit card to keep him going and in this time he has got himself in debt. of course the issue has now come to light as he has not been able to pay his credit card. He is now registered as disabled and has not been able to work. He is now in receipt of ESA and the enhanced personal care component of PIP. So has very little money to live on. During all this time he has not managed to keep up with the minimum payment he agreed with Barclaycard and they have now sold his debt onto 1st Credit. He has now received a letter from them asking for full payment with a 20% reduction of £6416.00. If he does not pay the full amount then they said that they will get a CCJ and then a charging order for the property! I have tried to find out as much as I can regarding the charging order and the all I keep seeing is conflicting information. I have also paid off a lot of debt for him already which were secure loans to stop any potential charging orders. I am just not in a position of finding this money for this debt! I simply do not have it. Can anyone offer any advice on what I should do, good or bad, I just need to know for sure on what I should be doing. Many thanks in advance
  8. Hi Greasmonkey, Thank you for your reply, there are three other properties in my road that are detached bungalows, all the rest are semi detached houses. My next door neighbour is in a detached bungalow and whilst their property is slightly smaller their plot of land is larger and they are a band D. There is also two other detached bungalows again they are slightly smaller and are band C. The person I spoke with at the VOA said that there was not another property to do a compassion with, which I think is a joke. I have done a valuation on my property which I do understand is only a rough guide but never the less the valuation in 1991 would put my property in Band C. Due to where I live it would be almost impossible to compare with another property close by as my road is behind a Motorway. I truly believe that I do have a case but do not feel why I have to justify the banding. I find it difficult to believe that no one at te VOA seem to have a clue. But I will be taking this all the way. Any more advice will be greatly received.
  9. Hi there, any advice greatly appreciated. I purchased my house a couple of years ago and was surprised at how high my banding was, Band E, due to the fact that I did not move into the property for a few months after purchase I did not really follow this up. But after deciding to take control of my life recently and being sick to the teeth of being ripped off I decided to look into the matter. So after some research, I have found out that I am the only property in my road and there are a few houses in my road, which is a band E! The majority are a Band C with the rest being band D. I also have carried out an estimate of the property value of my house in 1991, which the estimate says would be in Band C. So I called the valuation office to say that I would like to appeal against my banding. Low and behold they said that as I had not appealed within six months of purchasing the property they was nothing they could do. So I called again hoping that I would be able to speak to someone else, which I did. They were slightly more helpful, but I was told as there really is not another property to compare with in my street it would be almost impossible to re calculate and that I would need to do more research maybe by calling Estate Agents nearby to find a property similar to mine. Surely this cannot be right, why do I have to do all work. The property next door to me is the same expect it is slightly smaller but is on a bigger plot of land and the Guy at the Valuation office said that the properties could not be compared on the basis my house is bigger or has an extra bedroom! Any advice on how to challenge this would be appreciated.
  10. Well I just don't believe it........I have just checked my credit file and the default has gone.......I WON !!!!!!!!! Hooray....I am over the moon.....God it feels good to have taken on these giants and little me has won....:whoo:
  11. Hi all, I have an update after a very interesting new development. As you are aware I sent off for my SAR and wrote another complaint letter, well in between all of this I also contacted CISAS and filed the relevant documentation. Well I received this email from CISAS yesterday and it is as follows: Dear Miss King CISAS Case No: xxxxxxxxxx - King v Everything Everywhere (T-Mobile (UK) Limited) Further to our recent correspondence we have received confirmation from the company that they are settling this claim in full. The adjudicator has no power to award any more than what the customer claims on the application form. Accordingly, the Company has 28 days to comply with the settlement. Should the Company not comply with the settlement CISAS will re-open your case. However, please be advised that we will not be able to re-open your case or take action against the Company before the 28 day period has passed , ie on or before 16/02/2012. Should we not hear from you after this period, we will assume you are happy with the resolution and will close our files accordingly. Yours sincerely Miss Poppy Well I read this as that the default will be removed as this is what I advised I wanted as settlement. So all you lovely, wonderful people out there, we shall wait and see!. Unless any of you see this as different...let me know...But I will not hold my breathe that is for sure.
  12. Hi there, just needed some advice on this! I had to flee my violent and abusive husband back in 2009, but that's another story, the thing is we had a joint bank account together as you do, but during our rather fierce divorce battle he decided to empty the bank account of all its funds and there was a fair bit in it....Now I also have a current account with Halifax as well and the staff in my local Branch were aware of the problems I was having with my ex at the time.... The things is that after my divorce and moving forward I was declined a mortgage due to my credit file....T-mobile had place a default, which I am in the process of fighting for its removal as we speak and then two late markers with the title of the account in debt management programme. Please also note that this is marked as settled. Also Halifax were aware of my new address and did not inform any problems with the joint account! Whilst I appreciate that the default is the main issue, i want to start improving my credit score/rating by having these markers removed. So the question is am I at fault for this or can I have these markers removed due to the fact that my ex deliberately put this account into debt, this is something that can easily be proved. Thanks in advanced for any advice in my favour or not!
  13. Thanks again Locutus, I will be fighting this all the way win or lose...My credit rating is in tatters...T-Mobile has already cost me thousands of pounds...I think having to spend a bit more money on this will make no difference whatsoever...so have nothing to lose anyway other than retaining my good name, one hopes! All of this has made feel quite ill and so stressed out....all for £127. Anyway will keep you all posted....but my advice to anyone now is FIGHT....FIGHT....FIGHT...They are all bullies and really what do you have to lose....cause they have already ruined everything for most anyway!
  14. I have to disagree and say without a shadow of a doubt that T-Mobile have the worst customer care team ever (in my opinion) at least you have Lee!!! He seems like a miracle worker...Good luck
  15. Hi again, I just wanted to add, that the contract that they are saying was in arrears was for early cancellation charges which was cancalled in November 2009 and the default added in September 2010. I noticed that uniboy 1 had a similar problem and won on the basis that his contract had run out and that they had no right to add the default as they were still using his personal data without his consent or something like that, although this was sometime ago.....I shall be reading about his case again... Thanks again for your advice
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