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About isidore

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  1. Ha! That's a brilliant idea! Unfortunately, my ability to speak welsh (at this present moment) is limited to the national anthem (of course!), "I can play football", "I like coffee" and "no cycling" (which I've recently learnt thanks to the signs around the parks where I live). :-D:p:-D
  2. Thanks for your input both, the harrassment letter is useful - I've seen it elsewhere although I'm by no means being hassled at the moment so don't need this right now - no doubt I may need it over the forthcoming weeks. I will certainly include it in my letter now then and the point about all future contact to be made in writing is great, hadn't thought about that. Cheers both.
  3. Hey guys, not been on here for a fair amount of time and this time round the purpose of my questions is quite a bit different I'm currently seeking advice from National Debtline with regards to our current financial circumstances Very brief summary of our situation is that I am currently in the process of setting up an IVA. I am currently awaiting a form from NDL to complete to set it up and have been advised to send letters to my creditors asking them to hold off for a while as I sort my situation out. On the off chance, I thought I'd pop on here to see if there was anything
  4. Hey all Just after some information as to where I stand with this. Bought a Fujitsu/Siemens (F/S) laptop around 16 months ago from Laptops Direct. The battery has been noticeably deteriorating since the day I got it and in all fairness I should have done something about it sooner but that's a different story.... The battery has recently taken a dramatic turn for the worse and now I cannot use the laptop unless it is plugged in. If I was to remove the power adapter, the laptop switches itself off after about 20 seconds. In normal circumstances, my laptop is set up to hibernate wh
  5. OK thanks for response, familiar with the FOS process as used this for bank charges. Will keep you informed of any updates.
  6. This has moved on a bit from my last update and for one reason or another I haven't paid this the attention it derserved and things have got a bit off track. Having popped in the other day to ask a question, it got me thinking I should be sorting this out properly so here is my update.... A prelim letter was sent to BC some time at the beginning of the year and in March I received a letter from BC that in summary says: It's just under 10 weeks since I received this letter. Just wondering what people would advise I do? Should I start again with a fresh Prelim? In my m
  7. Good point and something I have relayed - as I said this (honestly) isn't me, but a forum member of the fish forum I use. This is obviously only valid if they said "I have this size tank, recommend me some fish". Thanks for you input all. GD, sorry I'm not an experienced fishkeeper by any stretch of the imagination and just a few tropical fish in a tank
  8. Hey both Gosh a golden oldie lol Hope all is well, it seems the site is going from strength to strength. Going to be putting my CAG cap back on soon, once I put down my FISH cap
  9. Hi all, not been on here for a while....hope all is well. Will be returning soon when I pick up my fight against Barclays on PPI. In the meantime, I have a query I wanted to run by you helpful lot to see what your opinion is. Basically, I have a query about buying fish - in particular goldfish. Bit different to the norm, but it does have some context (I think ). If an aquatic shop was to recommend that I could put 3 goldfish in a bowl and once I'd bought them I found out they were not suitable (because the tank is too small for them), would the aquatic shop be under obligati
  10. Great stuff, unforunately I've sent it without waiting for review. This will come in handy if I need to press further....
  11. Followup to the S.A.R - (Subject Access Request) went out this week: I know I shouldn't have waited so long to get to the point of forcing disclosure but I've been doing so many claims at the moment I can't keep track Just helped the other half's sister to around £4k back from MBNA in charges and have helped my best mate to £500 from Lloyds (charges), now taking the fight to Natwest (charges), Beneficial / HFC (PPI) and MBNA (charges) for him too along with doing the charges on the above credit cards for the missus too.
  12. Hey, know this probably best in the BC forum but wanted to get a bit of a larger exposure. Currently doing bank charge claims for the other half's credit cards. Halfway through - just had first offer letter from Barclaycard and they've done something I've not seen before. My OH settled her CC in April 2005 - zero balance and (we believe) closed the account. Now we've not had any correspondence on it since - statements or promotional mail the like - yet BC have said that they have refunded the money to her account. Sure enough the same day she gets a statement from BC for this CC w
  13. Been reading more this morning and might have hit a brick wall. All four accounts were pre-2005 so probably not going to be able to go down the FOS route. Going to dig a bit more about this.
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