Just popped in as i am wondering a few things. I got up this morning about 4 am i had had a lie in today.Seem to be getting up earlier and earlier. After letting the cat out and my two dogs had a look around the house. I have a small business,just getting by like many. Collecting Driftwood for the last 4 years and have a good pile of it. But i look at a piece and say,yes that is clearly a Shark,another oh yes that is a shelf,a bird,and it goes on and on. Now i have reverted to hiding my good pieces under the bed in rooms all over the place. And this has gone on for a while now.Trouble is when everything you pick up seems to have a use. I reckon one day i will move something and a chain reaction will happen and wood will appear from everywhere. Now do not get me wrong i have a tidy house,people say it is cosy. Driftwood Snakes,Trees,Birds always half finished are everywhere. Along with that i collect plants. Naturally they have their own room,like a rain forest in there. So i am just wondering if other people have strange collections in their houses. Another strange thing happening is i talk to a few people for ten minutes or so about certain things. I held court outside my house for ten minutes the other day rather loudly after about 6 workers shredding a dead tree asked me what Fracking was. Took great pleasure getting my wooden box out standing on it and going for it. But they slowly shrank away after the usual 10 minutes. Maybe they had to go to another job:lol: Wife and i were out walking to the local shops maybe 2 miles away and i was chatting away and after ten minutes or so asked a question about what i had been saying and she did not know. This resulted in a investigation and she said i often turn off and let you go on. So i have come to the conclusion that i am a hoarder and a right old boring grumpy old xxxx. Do you collect strange things and bore the pants off people. Is anyone there or are you asleep,it has been ten minutes now. The usual effect.

Hi I've been suspended from work while they are investigating allegations of gross misconduct. It's follows a grievance I raised against the way I was being treated by another department (there are a number of individuals who use threats to ensure I prioritise their work over other departments). My grievance was ignored and I was told by my line manager that an informal complaint had been raised against me by that department. A week later I'm called into HR and handed a letter stating I've been suspended due to allegations of harassment outside the work place. There are very little details of regarding the harrasment and I honestly can't think of any occasion where I've approached a colleague outside of work with malicious intents. I've spoken to ACAS and CAB, the advice is to take my original grievance higher up, which I plan to do. With regards to the suspension and the eventually these allegations are proven false, I understand there is very little I can do as I have only been in the organisation for a year. Both ACAS and CAB have listen to my full case and have advised that if I had been there for over 2 years I would have a good case for a tribunal hearing or unfair dismissal if I'm to be dismissed. What I do want to know is can I demand full details of these harassment allegations prior to the investigation meeting? Will I be damaging my right to a fair 'trial'? Next week will be the month anniversary of my suspension and it's driving me crazy trying to work out what I could have done or said that could have been deemed harassment. The details I have is allegations of harassing colleagues on social media, traffic lights, a bar, and a station. No dates, what was said, no mention of what social media platform, nor what bar or where the traffic lights are located. My desire to know is also driven by a colleague who contacted me a couple of days ago as they were very concerned about my well-being - my colleagues are starting to question where I am as I've disappeared from the planet and a few have now contacted me - I've told them I'm on long term sick leave. This colleague witnessed the only incident which I would deem harassment on my part, which I have already admitted to HR. Why would they contact me when surely if the harassment claims were being fully investigated they would have been interviewed as part of this process? The one incident which I am very aware of: I was very drunk after a night out with friends and bumped into a colleague who happened to be in the same bar, we get the same train home so we went to the station together. While at the station we randomly bumped into another colleague (who is from the offending department) and they approached me to ask how I was. I ignored them but they persisted so I said something about the informal complaint they raised against me. I can't remember what was said in response but I burst into tears and they tried to comfort me. I apologised the next day because I realised I shouldn't have said what I did but also realised how embarrassing it was for them to have to deal with an emotional drunk. Apology was accepted and no more was mentioned about the incident, until I was suspended. And that is the only incident I can think of. To add to the situation, the colleague who would have been the one to complain about the incident at the station has resigned and knew they were leaving at the time of the complaint. Why complain about an incident which they accepted an apology for (in writing - I put my apology in writing as I was off work the following day and wanted to immediately apologise)? Therefore I don't understand why they felt the need to raise false allegations about the non-existing incidents. They have nothing to gain and if proven false surely they are damaging their own reputation. None of this makes any sense. With regards to the social media allegations, I just wanted to add that the apology was via work e-mail. Also the colleague in question, we were friends on Facebook but I unfriended them when I realised that the work relationship was turning toxic. That is all I have done. The only other social media I use is instagram and all that shows is photos of my holidays. I don't use social media to contact work colleagues and I hate it when colleagues use it to contact me - which they have done when they couldn't get hold of me and I always move the conversation to work e-mail or phone. And I only have one FB friend that is also a work colleague. They, like the one I unfriended, have been friends prior to my joining the organisation.

http://www.bbc.com/news/technology-35925146 And of course the number is much higher than the ombudsman has recorded – and it is probably very much higher than anyone can possibly imagine. Vodafone is competing with npower for the worst possible systems and the worst possible customer service. Anyone considering getting a new mobile phone contract would do well to avoid Vodafone.

I had to return my licence to the DVLA 7+ years ago for medical reasons. I would now like to reapply for my licence as I feel that I am no longer subject to the medical condition. I don't have the letter which confirmed the receipt of my licence by DVLA. I don't have record of my licence number. Also I don't recall that the suspension was a fixed period. Can anyone advise me what is the correct process for applying for a new licence?

The trade negotiations are an assault on democracy. I would vote against them except… hang on a minute, I can’t.... More ...

There is no date on this, so I don't know how long the information has been available.. http://www.which.co.uk/money/credit-cards-and-loans/guides/how-to-deal-with-debt/debt-management-companies-why-to-avoid-them/

Dear All, Kindly help with my counter claim against Capquest. I am making a counter claim against this company having failed to take my written advise regarding my long-running dispute with the credit card company. Summary: I took out the credit card facility some 16 years ago stopped making repayment 7 yeras ago following several months trying to get the card company to investigate a couple of large transactions that I did not make. I also used a claim company to investigate in order to get the card company to respond. The company feighned ignorance of my letters. I have found that the card company had been raiding my other personal accounts to keep the credit card repayment alive so that these personal acconts were sent into deep negative balance even though I had gone into a branch of the bank to close these accounts two years before. (Can they fleece these accounts to death to fund to keep the crad repayment going?) However, their lack of response made my claim company to report the bank to FSA at the time. The card company immediately responded by harrassing me with a dozen or so debt collectors some of whom got their figures wrong on their letter. In face of the challenges, I too put the debt collectors on notice about my post and admin charges for each letter. This seemed to work as they kept changing the battons, hence the so many debt collectors working on behalf of the credit card company. Immediately after the 6-year rule, I informed the card company the account is now statute barred The card company responded by assigning the account to Capquest whom I am now making a counter claim against. The Capquest initially avoided my written charge notices and SAR for a copy of the agreement and went to court to claim the outstanding credit card balance. The court, sensing Capquest's game, ordered them to supply a copy of the agreement, statement and T&C. The so-called 'agreement' is pitiful. Only half-page with part of it hand written. They failed or were unable to supply the T&C. The statements however shows repayments years after I had stopped, supposedly taken from my afore-mentioned defunct personal accounts with the card company. How much can I claim against this vulture capquest? What are the legal basis for doing so? Are there any known legal victories by consumers against these excesses? My total claim - runs into thousands in letters, professional fees, time and, not to mention the harassments and the traumas I had been going through since 2006 when the initial letter was sent to the card company on the unidentified transactions.. Your professional advice/help will be greatly appreciated.

Hi all, I've been reading this forum for a while now and finally decided to register. I'm very impressed with the advice offered here and I'm hoping I can get a little too with some PPI Claims. I'm an Engineer by trade and hopeless at writing letters, I'm hoping somebody could proof read my words before I send them off. Would this be OK? As the title says, I think I have grounds for three separate claims, should I ask for advice using three new posts or should I lump it all in here first? I'm really hoping somebody can assist, both with the wording and also to confirm that I have valid cases.

Hi all just received statement of reasons from my failed DLA tribunal in August 2012. I am so angry I could swear it is full of lies. I drove my wifes car once in 6 months and they said I regurlarly looked after my grandchildren and collect them from school. I drove my wifes car for 5 minutes. I had been issued a wheelchair by the GP. While I was waiting for the NHS wheelchair I hired one from the red cross. They said I said I was using the wheelchair temporarily, which is an utter lie, they even said I said I can't brush my own teeth, another lie. They tried to trip me up all through the interigation then said I was not a credible witness. They said the OT didn't request a wheelchair we know that the GP requested that and we even sent the letter in. So going to see if there is an error of law, have to give the reasons to the benefit welfare advisor and see where we go from here.

Dear all, I hope someone might be able to assist me (on behalf of my mother). My mum, in previous good health has suffered a number of heart attacks over the last few weeks. She should hopefullly be back home from hospital later this week, but has been fitted with an internal defribulater which means that due to DVLA rules she cannot drive for 6 months (or if she gets a 'shock' during that period, six months from them). She owns a car where she is the insurance policy holder and my father is a named drivers. She is obviously going to let them know but is unsure what the best option will be as my father will still use the car from time to time and she ideally would like to after 6 months. Can she just be left on the policy as the holder and simply not drive, or would she need to do something else. (She will be handing her driving licence back to DVLA until she can drive again). Appreciate any advice you can give as to easiest/best option. Many thanks.

Further to my initial thread, I am now throwing caution to the wind in publicising my dilemma. I was in the position of a usually respected lender taking me to court without granting any information. Pure Kafka. The mortgage is not in my name and they refuse to add my name but the title deeds are. Strange but true and that's the reason I have only been able to read the volume of advice on here rather than describe my situation for individual advice. Thanks to what I read on here I did not get evicted but did get a Suspended Order. The lender still insists I am not entitled to information despite a court order naming me as Defendant 2. To my mind this makes the Order unfair however the Judge knew that so I'd be asking to appeal on some point of law. The first hearing was adjourned for a disclosure of the arrears as they claimed they hadn't been able to produce this to me as it was not my mortgage. I got them on perjury over that as Disclosure had been authorised by the mortgagor. At the second hearing and they still hadn't produced a breakdown. The Judge did state that I hadn't had chance to make a defence .... but that would take up more of the court's time. After 12 months of 24/7 stress over this I have thrown in the towel and the mortgage will be paid completely this week. I won't know what I'm paying as no breakdown! Time to be thankful that I have been lucky enough to refinance (precariously) and just walk away OR Should I ask for leave to appeal because it will be better not to have that order on my credit record and because if that decision was struck out, I can ask the Ombudsman to look at how I was treated? My thanks to all of you who post your experiences and advice on here and genuine commiserations to those still wading through what is an appaulling part of our Justice System. PS., Don't be too harsh, this is not a good time.

Vital policy clause ignored by FOS, that Ins Co had previously ignored and not sent to FOS. Urgent, can anyone help me? Policy additional explanation ignored by FOS. Does anyone know if it is possible to get a FOS Ombudsman’s Final Decision reconsidered or made Provisional without Judicial Review, when the insurance company had assessed on the wrong policy clause? I have to decide this week. The insurance company admitted just before an Ombudsman considered my case a clause that strongly helps my case. I had several times emailed FOS to point out that the policy documentation was not complete. Now just before deadline to accept/reject Final Decision, it has only just admitted to a stronger policy clause, that unambiguously means that the reason they gave for denying my claim (derived from misquotes against me) is in fact a reason for accepting it. Also the Ombudsman, without giving any reason, ignored my evidence that the Adjudicator had accepted with reasons was strong. And despite my proof that the Ins Co misquoted the written evidence I submitted, the Ombudsman supported the insurance company's evidence that the Adjudicator had stated was irrelevant and flawed. (The policy explicitly excludes my taking the insurance company to court over the claim). Thank you.