I have an outstanding loan which started with Lombard got passed to Moorcroft then to Arden (they transferred all of Lombard Directs rights as lender to Idem december 2011 which has agreed to perform the obligations of Lombard Direct under the terms and conditions of your loan with Lombard etc and as a reult of the transfer Idem will be your Data controller as defined in the data protection act 1998), when I requested a CCA was told to contact Idem servicing, so complied, received my statement from them then wrote to Idem servicing informing them of my circumstances and could only offer a token payment, have heard nothing until last month when I go a letter from Arden saying that Idem servicing have instructed them to recover the amount of loan and asked for a one off payment etc (which I cannot pay as I don't have it) today I have received another letter from Arden saying despite numerous attempts to recover the ammount we have had no response from me and were going to instruct field agents to attend your property to discuss this matter in person etc and a fee for the visit will be charged to you with the amount not exceeding £75. We can cancel this visit if you contact us within 5 days of the date of this letter and make satisfactory arrnagments regarding your account. Being a bank holiday first it ridiculous to expect a reply within that time, I need to send a £10 request for a SAR this time as I need to try and claim back my PPI can you advise me which letters are best sent to Arden and Idem servicing, I assume the SAR request will have to go to Idem as they appear to own the loan and what letter should I send to stop door step callers thanks

Hi, I'm new to this and forums, so forgive me if I've put this in the wrong place. My ET1 was accepted. The employers submitted an ET3. Due to 'an administrative error' (Employment Tribunal's phrase), there has been a very long delay between my being physically attacked by my employers and the submitting of forms by them and the employers. I have literally just received the hearing and due process dates and today I have received a letter from my now ex-employers' solicitors, asking for an unbelieveable amount of information, that I would have to get together by this coming Monday. It would take me more than three days under perfect circumstances, but I am on new medication, from the GP, and have been referred to crisis intervention and a psychiatrist, as well as other health care professionals, as in their words, I am very ill, due to the stress of the attack, incidents leading up to the attack, subsequent court case and continuing intimidation and threats. I am too ill to get this replying information in this time frame. How do I word an email to the Employment Tribunal people, to ask for an extension, to get myself together enough, to answer all these questions? I am also suffering side effects from the medications and clinical depression. Also, I have been asked by the tribunal people to describe my disability (also present at the time of employment) under some kind of regulation rules. Do you know how I do this please? I take about ten medications to maintain my hormone levels, including Metformin as I am pre-diabetic and I am diagnosed with Bipolar Affective Disorder, which is triggered by things like stress, including someone trying to kill me. At some point, I will post a full explanation as to what happened, but I need to first remove the stress of being expected to answer a whole heap of intricately detailed questions by Monday. Thank you for taking time to read this; I hope it makes sense (it's hard to concentrate at the moment) and if anyone answers, I thank you, in advance, for your help. If possible, I think I have to ask for the extension today. C

Anyone know of these... They claim they are memebers of CSA DBDG but nothing comes up on that website that they are members.. They chasing me for a debt, a chap spoke to my wife saying he is a solicitor told her everything about the debt, and said he was coming round that night to reposses goods if we didnt pay. They then phoned again when my wife hung up, they rang 12 times in 10 minutes. I am associated to a bigger company and this debt through organised through my name but for a voluntary subsidary of the larger company, they phoned them up telling them everything and threatening to go to the press. So who are they ?

The Ministry of Justice has published a consultation to change the rules for Claims Management Companies (CMCs): https://consult.justice.gov.uk/digital-communications/cmr-rules-consultation-cp15-2012 The consultation proposes rules requiring firms to obtain written, signed agreements from consumers before charging any fees. Currently contracts can be agreed verbally. The consultation states: “The provision of a written agreement would provide consumers with more protection, by allowing sufficient time for a consumer to read and understand pre-contractual information before agreeing a contract.” Under the proposals, claims chasers must also provide “unambiguous” information about ombudsman schemes and other forms of redress. Firms are already banned from implying that consumers can get a more favourable outcome by using them rather than going to the Financial Ombudsman Service, Criminal Injuries Compensation Authority or the Housing Ombudsman Service. The MoJ has now added the Financial Services Compensation Scheme to that list. The MoJ is concerned the use of its branding makes consumers believe firms are endorsed by the Government, so it is proposing banning the use of its name in promotions. It says firms should only refer to it as the claims management regulator. The consulation also proposes rules that will require claims firms to keep customers updated by informing them of any variation to, or suspension of, their authorisation status. Under the proposals, regulated firms could face action if they work with unregulated introducers that break any MoJ rules on advertising, marketing and soliciting business. Cold calling by firms will be addressed separately to the consultation. The MoJ is working with the Information Commissioner to deal with unsolicited communications such as text messages. The consultation closes on 3 October. The MoJ will publish a summary of responses in December with the aim of implementing new rules by April 2013. http://www.moneymarketing.co.uk/regulation/govt-proposes-tougher-rules-for-claims-chasers/1056679.article

I,or rather my wife got this letter in April. According to Apex, I'm dead and they are asking for a copy of my death certificate! Sorry it's taken so long to post this here but coming back from the dead is a very difficult and time consuming process. The amount of paperwork involved is unbelievable. I can reassure you all I am very much alive and have at no time been deceased. Where Apex got this information from I'll never know. http://i5.photobucket.com/albums/y157/jamesthecat/CAG%20letters/a18421ba.jpg

I recently joined a gym which has a 12 month contract. I paid the first month in cash to the gym, and chose my first DD date, which was the 24th August 2012. I've only been there 5 weeks but I'm already starting to dislike the place as some weights are being broken, bathroom and showers in filthy condition. So I want to know If i have the right to cancel? The first month was cash in hand with the second being my first DD which was only 2 days ago. Don't these things usually have a 30 day time period in which you can cancel after your first DD payment? As the cash one wouldn't have gone to Ashbourne. Anything I can do? Such as call them and say I'm not happy and want to cancel?

Hi I have received a case management order in my claim, that was heard without the claimant and respondent (not too sure why), and it states within the order that the file of documents should have no more than 100 pages, my case is for unfair dismissal and discrimination and have documents which substantiate my claim for both way in excess of 100 pages - can i apply to the tribunal for more pages in the bundle? Thank you

Hello everyone, I hope I can post my question here, not too sure in which section it fits in. I'm having problems with the company that manages the apartment block where that I have recently purchased. All flats here are leasehold and the landlord has appointed this company to maintain the communal areas and to enforce the rules that all residents need to follow. The problem I have is that this company is not doing its job properly and is not enforcing these rules properly. For instance there is a resident that is dumping rubbish where he's not supposed to and hanging his washings in an area where it's not permitted. When I contact them about it, all they say is that they are speaking to that person and that's it, nothing else is done and the problem continues, this problem has been dragging for months now. I would like to know if I can take some other action (court) for a breach of contract for example? If so, can I do it myself or do I need a solicitor? Thank you, awc82

Hi everyone, I am wondering if someone could help me with an issue I have with Ashbourne Management. I signed up in March at a Gym and my membership is a 12 month contract. Everything was alright for the first few months at the gym but in May then the mantainance of the building went down. The building has a major damp problem affecting both the upstairs and downstairs of the gym. There is big mould patches on the wall and ceiling ( I have taken photos of this) and the smell is absolutely awful. It actually makes me feel sick when I am there. I carried on going there until June but I just cannot carry on as I end up with a sore throat and cough everytime I have been. I have talked to the people who run the gym but they are just renting the building and the landlord is not doing anything. I have decided to cancel my membership as it states in my contract that I 'may terminate this agreement at anytime if the facilities or services we provide fall well below the standard that you reasonably expect us to provide'. I first rang Ashbourne and the man was very apologetic and told me to write a letter to the cancelation department and that there would not be a problem cancelling. I then wrote to Ashbourne stating that I would not longer be using there services and the reasons for cancelling and and I sent it recorded delivery. Well that was about five weeks ago and I never got a reply. So I rang them this week and the lady on the phone was absolutely horrid. She said that I could not cancel until I had a doctors note. I asked her why would I need a doctors note to say that damp causes serious health risks which is common knowledge and she just said that I did. She also said that if I didn't they would just add charges onto my membership and when I asked her what these would these charges be she said, well you will see! I am upto date with my payments as I was paying it monthly by direct debit and also I have paid an extra month when I have not been there as the contract says that I have to give them a months notice when I cancel. I have now cancelled my derect debit. Can anyone please tell me were I stand with this and thank you for taking the time to read

Got this in the post today, cant scan and upload so here it is. It was addressed to the Resident at my address. "We are writing with regard to parking at xxxx Please can we remind all residents that parking is only permitted within designated spaces and not on grassed areas or verges. If residents continue to disregard these spaces we will have no other option than to implement a parking scheme where cars will be clamped or ticketed. The cost of funding this will ultimately affect your annual service charges. During a recent site visit we obtained photographic evidence of the offending vehicles and their number plates so if this continues we will be writing to individuals. May we also remind you that commercial vans are not be parked on the development." Now I am heading to court in August with this crowd as I have refused to pay portions of the charges that they are applying fraudently, charging for works they are not carrying out etc. I know I can tell them where to go with this letter. I have also contacted them previously and requested they sort out the parking in the estate as there is a major shortage, 10 spots between 7 houses. 3 of those are visitors spots that are not supposed to be parked in. 2 of the houses have 3 vechicles, 2 have one and the rest have 2. Whats the best way to tell them to go to hell

It's a legal [problem] that is out of order... My sister parked her car in a car park and this is her mistake. She parked at 10.45am. She returned at 3pm to find her car gone. She tried over and over to phone PCM to get her car but there was no luck. The lady kept insisting that she needs to speak to a guy via mobile number, but noone was picking up on that mobile number. We could not obtain the address of the car pound or any other details. The next morning we start heading to slough, and again we still cant get in touch with this mystery man at the car pound. I phone PCM main number again and scream at them to find him because we want the car back. Eventually he switches on his phone (10.30am) and tells us we need to make an appoinment to get the car back. He offers 1pm, we insist 11.15am. He caved him when I blagged "Are you a memeber of the BPA, are you following the guidelines". He gives me the post code and door number. Cant find the place. My sister phones back and he says there is no door number, and that we need to look for Glebe Farm. It wasn't easy, but we found it. There are no signs anywhere in or around the pound to tell people they are at the right place. Just two guard dogs, and no staff. We wait, he shows up. He says they clamped her car at 11.30am, and they towed it at 2pm. Total charge £350. We insisted that we couldnt pick the car up same day because he wasnt picking up the phone. He insisted that shes incurred 2 days storage charge. We asked for some official ID that can tell us he is legally allowed to tow cars, he presented an SIA licence. Now, this is the clever [problem]. They pick up cars, but its IMPOSSIBLE to collect the same day. They either wont pick up or they can say 'appointment only'. Their operating hours are 10am to 5pm, which makes it impossible for working folk to get their cars unless they take a day off the next day from work. Another part of the [problem] is that they dont want you to find the car pound. He clearly lied to me about the address, and theres no indication anywhere that there is a car pound there. This particular pound is located in Ruislip. Are the DVLA out of their minds? Is this all according to BPA regulations? Also, the pricing is insane. If they pick up a car at 2pm, close their office at 5pm, and i pick up the car the next morning at 10am, they can charge me for TWO DAYS storage. Even though I've only had a 3 hour window to get my car, which they would never let happen anyway. He explained they charge per calender day, but i said "you dont even operate per day, you dont even work normal office hours". Out of order. Further more, when you ring the number on the website, a message tells you to ring a mobile number if your car has been towed. But noone picks up this mobile number!! And the number given to me the next day is different. Its like a legal paradox that is out of control in London.