Hello. My second post, I think. I bought a matinee ticket to see Lisa Dwan at the Old Vic. I live in Yorkshire and bought an Advance Return train ticket to London - non-transferable, of course. About a week before the performance OV emailed me to say, without any explanation, that they had had to cancel this matinee and would be refunding my ticket shortly. I immediately emailed them to explain that they also owed me for my train ticket and why. They said - and this is core - they were not liable for any loss sustained by this cancellation other than the ticket money. "Pay up in full by four days' time or I'll see you in the County Court", I said." There will be no more discussion on this". They then said that "in this special case" they would refund my train fare too. "Some time soon". I told them - "You now have two days' to have that cheque in my hands or I'll see you in the CC." They paid without demur. The cheque was with me next day. BUT - had I not insisted, threatened, kept to a very tight timetable, in short if I'd not been bloody-minded, they'd have got away with this. Maybe this was a "special case". But if it wasn't, shouldn't it be better known by the public that all financial losses incurred by failure to fulfill a contract, in this case putting on a show in exchange for money, are to be borne by the party breaking said contract?

Hi guys Small claims 3k+ from Robway/Cohen/Hoist re:Satan cc http://www.credittoday.co.uk/article/17468/online-news/santander-returns-to-debt-sale-rbs-to-stay-out Nothing really to contest but bandits admit to no paperwork whatsoever and don’t like CPR and Sec 78 request (my enemy’s enemy is my friend and they can’t usually claim costs in small claims). I have interest only mortgage with Satan in arrears and careering towards termination (both me and the mortgage). I defended all, as per CAG line …, ticked mediation box and enjoyed mediation. I found it very fair. I used the National Debtline I&E to offer a modest monthly sum and was fortunate enough to be able, via the good offices of a family member, to offer a full & final; during mediation the bandits accepted one of these alternatives (some understanding of net present value is helpful to enter the bandit’s Weltanschauung) http://www.mathsisfun.com/money/net-present-value.html I am unusually coy because a mediated settlement is explicitly confidential: “Terms:- 1. The parties have agreed the following: The Defendant agrees to pay to the Claimant the sum of £xxx.00 (the settlement sum) in full and final settlement of the claim to be paid by 28th x 2015. 2. The court will stay the case (i.e. the court will take no further steps in relation to the case) and the claim, defence and any counterclaim will be struck out without further order of the court (meaning that the case will no longer be treated as active) if the court has not heard from either party by 28th x 2015. 3. The parties will keep the information contained in this agreement confidential and not use it for any other purposes. Other than a final written agreement, any information – whether written in a document prepared for mediation or written or spoken during the mediation – can only be used for the purpose of mediation and cannot be referred to in any court action unless the parties agree. The parties agree that they will not call the mediator to give evidence in any court action. “ The plus side is that this is a Court settlement: “5. This agreement is in full and final settlement of both parties' claims, including any claim for costs, court fees, expenses or interest.” And the bandit cannot sell it on. In truth, I consider this a defeat rather than a victory but the lesson I should press is that: · - Defend all as per CAG line to back foot the bandit · - Amass evidence of ability to pay · - Use mediation x vic

Hi all What do I send next to Bcard - if anything? CCA requested for very old MSDW card. Received usual reconstituted application form. Dodgy DN issued by Mercers. A/c in dispute letter sent to Bcard + holding them responsible for Mercers harassment. Letter and doorstep visit (told to Foxtrot Oscar) from Resolvecall but no confirmation from either Mercers or Bcard that they are who they say they are. Today: 2 statements from Bcard. 1. Mercers are now dealing with your account...' 2. '...your card has been withdrawn. 3. 'Your card has now been canceled....' And £0 credit limit shown. 4. Interestingly no Late Payment Charge for Oct but £12 on all preceding ones. None of this overly troubles me but I wonder if I should write querying the nature of assignment to Mercers and/or does 'Your card has now been canceled.' mean that the agreement has been terminated. Or do I just let dying dogs lie for now? Any advice gratefully received. Best wishes vic

Hi, hope you could shed some light on the matter? I have recently bought a car (1992 modern classic) off ebay sold as 'spares or repair' with no mot & sorn since 2005. Since owning the car i noticed it has had a replacement front bumper and bonnet (car blue but replacement panels mentioned before being painted were red), i only noticed whilst sorting out the expected niggles ie commissioning/servicing etc). The car did come with a v5 (which has been completed/signed and sent off) keeping the green new owner slip, now waiting for new V5. After noticing the change of panels this made me do a car check and it came back as a cat C in 1997. The car did not come with any past mot certs etc only apart from V5 mentioned and has got a few old tax discs in the windscreen upto the year 2005 (so obviously has been driven after 1997 upto 2005). I havnt received the full V5 yet (only been 2 1/2 wks) and have not mot'd or taxed it yet. I was waiting for the new V5 to come through the door before doing anything else. So my main query is with the dates(yrs) i have given and the car showing it has been taxed up to 2005 and the cat c being issued in 1997 does this mean its had a VIC check and if not/or so will i need to have another one done????? I didnt check on the V5 when i was filling in my details to see iif it was recorded as a cat c ( i know silly but never been in this situation before and not that bothered as the car was cheap but a useable car that seems to drive spot on (on private land of course Forgot to mention the car did come with an temp export cert as the car was driven in switzerland for about 10 mnths before returning back to the uk in the year 2001. Car was put into storage due to family bereavement in 2005. All your thoughts and help would be appreciated, thanks in advance.

Hi guys I admit defeat; Sandander have increased SVR by 0.5% on 260k interest only mortgage with zero equity and I cannot afford £100+ pm (and they accept that I can't afford this) but will proceed with repossession despite this not being in their commercial interest. I have been gifted a caravan and am departing to Albania and Moldova and have informed all OCs and DCAs (not that I pay any DCA a bean) that token payments will cease because of above reason. CAG has been a great experience for me and I thank everyone, especially dx; God bless. x v