Just got a letter from TSB that they are refunding all the PPI plus interest to me which is great news, but I'm now going after M&S HFC Debs this will really help a bundle. Thanks to all you Cagarites that give us the confidence to take these people on. Alanfromderby my hat goes of to you for all the hard work you do. Kind Regards

Hi Customer Care Lloyds TSB Insurance Tredegar Park Newport South Wales NP10 8SB Tel:- 0845 300 5599 Fax:- 01633 468835 Hope this helps.

Hi fairbank Fear really stands for False Evidence Appearing Real most of the things they say they are going to do, are only to get you respond to their unlawful demands. Harassment comes to mind. Steps to take Keep focused Read as many posts as you can, it will start to become much clearer what your rights are. Start dealing with the most important issues first. Do not procrastinate; it can be quite rewarding to know that you can actually fight these people, with the law behind you and the wonderful people on this forum. Do not over indulge in drinking it will only make you feel depressed and weaken your resolve. Get your plan of action written down and read it every minute of the day. Recognise that your lovely family are looking to you to sort things out, but also love you very deeply and I’m sure will be strengthened, when they see you being positive about the future. Do not ever let anyone over your door step, do not talk to anyone over the telephone, have everything put in writing, keep correct files on each issue. Make sure they have a Consumer Credit Agreement and a Deed of Assignment first of all. Do not feel a failure, unforeseen occurrences happen to us all, it's how we deal with them is what is important. Keep taking in the knowledge and it will set you free. Kind Regards Kingdom

Had a guaranteed loan from the DTI I was told by two Business managers who came to my house, that I would have to take out PPI to enable me to have this loan. The insurance also would have to be paid in advance out of the loan which was over £2000.00. which they took out of the loan at the beginning of it. I was self employed at the time and diabetic so I have just found out I would not be unable to make a claim, will I be able to claim this back from my bank, was it mis-sold to me. What's the next step it is a Ltd Company but the PPI was a personal insurance a little confused.

If the camera is a fixed camera and is not able to Zoom in on individuals then it still is classed as a general picture. If the camera is focused just on the one person such as working on a cash till, "Failing to inform staff they are being, or can be, monitored can lead to a breakdown in the employment relationship and open companies up to claims, such as constructive dismissal. This is especially true when it comes to CCTV." Covert CCTV monitoring will rarely be justified and should only be used in exceptional circumstances, for example, where criminal activity is suspected. "Surveillance of email and Internet use is prudent, given the risks, but this must be done in an open, rather than covert, manner. It should be backed up by a written policy, which is properly explained and fairly applied." Good to check to see if camera's can zoom in or not are just standard fixed camera's, it does make a difference under the law if the camera is not able to focus or Zoom in on individuals that may be working in the vicinity of their work mates. Would you agree

Due to the Durant-v- Financial Services Authority case the meaning of “personal data” was qualified; this in turn had an effect on the CCTV footage and recordings. If the Camera is taking a general scan of an area, this does not constitute personal data with regards to any of the people that may be present at the time. So these recordings are not available to anyone that requests them unless they have a specific reason for requiring the data, which can be refused if the reason is not precise and necessary i.e. for instance, you were trying to prove you were not guilty of committing a criminal offence. The camera that is recording must be focused on you as individual, that and only then does it become personal date, which you are then entitled to see after pay your £10 for an S.A.R. you can not have access to general recordings unless you can substantiate a good reason for it, and it must be personal, these general recording can not be shown to third parties other than the Police. Hope this helps to put matters straight there has a lot been happening since 1998 with regards to The CCTV Data Protection Act.

Your employer must display warning signs which state the purpose of why the camer's are there. i.e. for example "Images are being monitered for the purposes of crime prevention and public safety" You must also be informed in writing that camera's are being used and the reason for this, this information should be written within your Terms & Conditions of your contract of employment. You are entitled to have access to the data recorded but only if you personally have a strong reason for it, such as being accused of a wrong doing. Futher information can be found at Information Commissioner's Office - ICO. Hope this helps

The consumer started to get some power which effected the whole corrupt system. The banks were creating all the consumer complaints to OFT so OFT was fed up with the getting all the complaints, and having the courts judging the banks, because the consumer's started to benefit by receiving their hard earned money back, which they paid unlawfully, it all had to stop because we are supposed to pay them, not them pay us. What a cover up Regards kingdom

Hi Goldlady I see you are from Tyneside, I come from Newcastle, Heaton the posh end, nice to talk to you bonnie lass. Kingdom

Just been to court last Thursday,GE Money passed it CL Finance debenhams Card same situation as yours. We won that battle!!! Cl Finance didn't turn up, didn't send any paperwork in, Judge struck it out said they had wasted the courts time. Go after GE money now!!! dont wait till you've dealt with CL Finance, go after your money back now, as CL Finance does not owe you the money GE Money does. CL Finance are only the signee, just wasting your time, also make sure you turn up to court, as they will not, and get their claim stuck out, they are hoping you will not turn up to court, and get the money they have claimed on default. Crafty swine's they are the pits. Go after GE Money now don't wait. Regards Kingdom

You need all the precribed terms on the agreement that is personal to you for it to be true copy of the document surely apr etc.

Hi Tomturn8 I asked the Judge if I could claim compensation for all the time I had wasted on this case and he said no so what is this term mean.

Hi Angel49 Just been to court yesterday having put a counterclaim against CL Finance, GE Money passed it on, they didn't turn up and had never sent me or the court any paperwork. (Bundle) The Judge struck out the claim and made the remark that it was a complete waste of the courts time. He then told me that if I wanted my money back I have to take GE Money to court and start the whole procedure again as CL Finance are only the assignies and they are not the one's that owe you any monies. Cl Finance had wrote a letter to the court that I had accepted a settlement figure from GE Money, which I had not, so GE MONEY HERE COME. At least CL Finance did'nt gain anything from their actions other than wasting everybodies time but we won!!! that battle, so hang in their they will not turn up to court. Regards Kingdom .

In court tomorrow morning have not received any paper work from CL finance, what is the next thing I do if they do not turn up. Please advise urgent

What happened to the thread Limited Company Claims is it no-longer running

To save yourself alot of money you could cancel your Payment Protection insurance within 30 days send it by special delivery if you decide to do so. Trying to claim is a nightmare Regards kingdom

Hello Angel49 I am in court this month with Cl Finance, which is a mirror case which you are going through. I am doing my bundle at the moment although I may need some further advice from someone to make sure I'm doing everything right. Watch this space it could be really interesting and save you the trouble of going to court Regards Kingdom

Took my AQ to the court by the deadline date of the 23th Feb 2007 but have heard nothing since, could someone advise me what I should do next, did the DCA the claiment have to present their AQ at the same time, should I get a copy. If they have not submitted one what do I do next,

This sounds like a [problem] to me, they see this as an opportunity to drum up further charges and take even more money from you. Send them an SAR for a complete statement of all their charges made to you, check what is lawful then take them to court for the unlawful charge they have made against you. Also complain to the council about they way they are harassing you that is against the law.

How did you get on with S.W.T they have done the same to me I only moved in into my house in November and they have taken me to court in January i have hardly had time to move the furniture in. They are so unreasonable, did you put a defence in. Regards

Due to a payment being delayed by 7 days because of not having enough in the bank at the time, to pay the agreed amount to the Bailiffs Company for council tax arrears, they sent two henchmen with van to pick up goods. The bailiffs company when they were first assigned this debt have never been allowed to enter my premises so there is no walking possession agreement in place, so the question is this, are they allowed to charge you £180 for turning up with a van and sitting outside of your house when there is no walking possession agreement. They seem to wait for you to make a late payment then try to drum up their ridiculous charges without warning you they are even coming. What redress have I got against these sort of tactics and what avenue of complaint should I go down, can I stop this charge being applied if so how? Any advice seeing red at the moment.

Has anyone used Moneyclaim to put a defence and counterclaim in. Deadline is almost up, advice needed urgent. Thanks in advance

C. L. FINANCE LIMITED Kingston House Centre 27 Business Park Woodhead Road BATLEY WF17 9TD Hope this will be of help to you

Got a email from HC that saying Ge Money had credited my account with unlawful charges but not the interest said I had signed that I would pay that, what the interest on unlawful charges. Cheek They then deducts this from the amount they have taken me to court for, then they add the solicitors fee and court costs to the balance then tell me that that now is the balance outstanding. This was in dispute before they took me to court why should I now pay these extra fees, will I beable to claim them in my defence, I will be claiming mis-sold ppi and interest on the unlawful charges, they took me to court after the dispute started, and assigned the debt to CL Finance.

Thanks damo that gives me plenty to sleep on. I did send a cca request to ge money which i got a copy of i.e the claim for mis-sold PPI A very ambiguous document took no employment details on the application form and was not filled in correctly, couldn't be viewed as a legal document, how could they say subject to eligibilty if they have no details on you. Will get back to you many thanks