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  1. Attended my ATOS medical yesterday. The woman who saw me said she was a nurse. She checked my pulse and said it was irregular. She checked my blood pressure, it was higher then normal!! She then asked me a lot of questions, and all I could do was answer her as honestly as I could!! My MIND advocate stated to her that I was currently waiting an outpatient appointment with adult mental health because I have long term issues, and that my gp has said I am not fit for work!! I described as best I could how my heart problems were - I have sinus tachycardia which makes me breathless on the least exertion. How my mental health is - not very good which is why the mental health team have been contacted again!! She also asked about how do I pay the bills - I stated my partner does that side of things because he pays the mortgage etc etc!! Various other questions like do I cook, do I bath or shower, do I watch tv to which I replied I have to be in the mood!! She then asked me can I walk to the shop - I replied no because it was too far, then she asked can I walk to the bus stop to which I said yes but I take my time and when I get there I stop and rest as I am out of breath!! She seemed to be polite though and sympathetic - but I am aware of the lies that re told on the reports!! I have already requested a copy of the ESA85 ATOS medical report - I phoned them up when I got back!! How is best to appeal if I get turned down, and can I ask my gp for a medical report to send in with the appeal!!?? Thanks!!
  2. Hope someone can answer this. WHY have a silly rule that you can't PM someone on the forum unless they are Admin until you have 30 posts? What is the logic behind this number? I can undestand not being able to PM if newly-joined (say can't PM for first month) but a post count? What rhyme or reason is there behind that? Art Dear All, Can someone explain to me why there is a rule meaning that you cant PM a forum member (unless Admin) unless you have at least 30 posts? What is the logic behind that number? I can understand a time-restricted rule (eg can't PM for 1st week or month after joining) to prevent spammers joining up then posting to other members immediatley, but surely a spammer would have to be really desparate to wait a week/month whatever before being allowed to spam?! There must be a rationale behind this - but I'm blowed if I can think of one! Art
  3. Hi everyone, Having recently had a warranty voided by Samsung and Dixons PLC, after one the 2 Netbooks we purchased for my grandchildren was severely damaged either in transit to Samsung's repair centre, or by their UK contracted repairers (Digicare) I thought I ought to let other potential Dixons Group customers know of the risks they may be running when they purchase a Samsung product - the following risks may also apply to other major retailers, such as Tesco and Asda, who have told me they use the same service in the same way. This is the information I sent to the Office of Fair Trading for investigation. Letter to the OFT Dear Sirs, I am well aware that you do not investigate individual complaints against traders and therefore it does not ask you to investigate an individual single issue but a potentially widespread consumer issue that may be tantamount to fraud, within a major sector of the UK consumer (home electronics) market. Though the potential fraud may extend to several major retailers this request for investigation specifically concerns Samsung and its UK trading partner Dixons Group who together, with the potential collusion of Samsung’s contracted Couriers and their UK contracted repairers Digicare may have constructed a mechanism whereby they may be easily able to ‘ring fence’ themselves against their Warranty obligations, by effectively creating a barrier between consumers and their statutory rights under the 1979 Sale Of Goods Act (SOGA). The following is the so simple as to be almost elegant method they may be widely using to deprive what the Internet indicates may be a great many consumers of equitable treatment under SOGA 1979. 1) When a Samsung product fails to perform you are required to take it into the retailer under its Warranty. 2) When the fault is confirmed, instead of taking receipt of the goods for repair and receipting you for their condition, The Dixons’ Group retailer issues you with Samsung telephone number, tells you that you have to contact Samsung direct and then sends you home with the product. 3) When the consumer contacts Samsung and after they have gone through some basic checks to confirm the product is faulty they arrange for a Courier to pick up the product, from the consumer’s home address. 4) The courier picks up the product, without providing the consumer with a receipt stating the overall condition of the product and takes it to another party, in the form of Samsung’s UK contracted repairers (Digicare). 5) Because the consumer is neither warned of the potential need for, or granted any receipted evidence concerning the fault by the Courier the ‘repairers (Digicare) are then in a ‘bulletproof’ position to claim the fault is due to ‘misuse’ by the consumer, thereby voiding the Warranty. 6) Because the consumer is neither warned of the potential need for, or granted any receipted evidence concerning the condition of the product, by Dixons Group or the Courier, the ‘repairers (Digicare) are then in a ‘bulletproof’ position to claim any damage to the product that may be or has been caused by either the Courier during transit or by Digicare in their premises was caused by the consumer prior to collection, thereby voiding the Warranty 7) When the consumer quite rightly attempts to seek a lawful solution Samsung will support the Courier’s and Digicare’s claims, and Dixons’ will support Samsung’s support of the Couriers and Digicare’s claims, thereby voiding the consumer’s Warranty. 8) At this point, in the case of a faulty product, the consumer’s only options are either to pay for the repair or to have the faulty goods returned without repair, for a fee of £26.00 9) In the case of a product that may have been extensively damaged during transit or repair the consumer’s only options are to either pay for a repair, that may amount to more than the initial cost of the product, or have the damaged goods returned for a fee of £26.00 10)‘Trading Standards’ will advise you that Dixons (PC World) are responsible for the damage under The Sale Of Goods Act 1979 (SOGA). 11)After lengthy delays Dixons (PC World will inform you that Samsung has deemed your Warranty void, on the basis that it has to believe its repairers claim that either you misused the product, or the item was found to be damaged on receipt and, as such, their Warranty is void. 12) If you pursue the matter the Courier, Digicare, Samsung and Dixons Group will continue to support each other to the point where ‘Trading Standards’ will eventually tell you that due to the way the item was conveyed to Digicare (from the consumer’s home) the damage has become a civil issue and you will have to determine liability via a Judge, through the small claims court. 13) This potential collusion between the retailer (Dixons Group), the Couriers, Digicare and Samsung makes it virtually impossible to ‘pin down’ the responsible party and even if a small claims court judgement rules in your favour, it may be virtually impossible to collect the debt if they decline to pay. 14) If the item cost less than £600.00 the consumer cannot even upgrade their legal action to the high court, which does have the power to enforce collection of damages, through its court appointed officer. Thus you can very easily see the Warranty process has been so obfuscated by the involved parties as to turn it into a lottery. I would therefore reiterate my request that the OFT investigate the issue, with a view to compelling the forenamed parties to create and engage in a Warranty process that is manifestly transparent, equitable to all parties and free from all possibility of unfair manipulation Yours faithfully etc.
  4. Hi There, Over the past 18 months we've got ourselves into a bit of trouble with Payday loans and now owe quite a bit of money to them (I'm just getting figures off the several companies we used). I've read on here about paying just balance & 1 months interest. Is there a tempate I can use to send to the companies requesting this. Many Thanks
  5. that even though there are how many complaints on here regarding Welcome and the associated alias's that no one of a legal back ground or something has lodged a full investigation of the company and their business dealings? there are countless things which seem a little off but then no one can enforce the errors to claim back money or get their loans sorted it doesnt make sense to me at all!
  6. After Swiss bank UBS agree to pay £940m in fines to settle charges of manipulating Libor, Damian Reece, The Telegraph's Head of Business, says the scale of undetected wrongdoing is "shocking". Swiss banking giant UBS has agreed to pay £940m to regulators in order to settle charges of manipulating Libor interest rates, fraud and paying bribes to brokers. UBS' 1.4bn Swiss franc (£940m) fine includes a £160m payment to the Financial Services Authority, the largest penalty ever levied by the British watchdog, and $1.2bn paid to US authorities. The penalty is the second-largest fine paid by a bank and is more than three times the £290m fine levied on Barclays in June for attempting to rig the Libor benchmark rate used to price financial contracts around the world. The FSA said at least 45 people were involved in or were aware of the rigging and that the breaches occurred over a five-year period between January 2005 and December 2010. The watchdog described the misconduct as "extensive and widespread", with at least 2,000 requests for inappropriate submissions documented and "unquantifiable" number of oral requests. Link: http://www.telegraph.co.uk/finance/libor-scandal/9755469/Scale-of-UBS-Libor-abuse-shows-why-FSA-is-being-dismantled.html
  7. hello! teddies? polar? grizzly? or: http://www.royalcourtsofjustice-events.co.uk/bear-garden why is this section called bear garden?
  8. Hi guys Today we found a car we wanted £12,800 it was Audi A3 in White 59 plate Went to apply for a Santander Loan tonight for £10,500 as i have the rest. I have a good credit history paid a previous Santander Loan off for 4 years without missing a payment this was for £6500. I was shocked when i was declined tonight i have a £30.00 a month contract with Virgin Mobile never missed a payment taken out a Washing Maching, Ipad, and 50 Inch Tv on Finace all paid up apart from the Ipad taken them all out on a buy now pay 9 months later with comet. Paid the TV and washing machine up early ipad im still paying for per month. Never missed payments on loans, utilities or personal credit Only problem might be is i opened a joint account with my partner who hasnt got the best credit history. could this effect me ? i asked noodle to take her off my report last month they said it will be done in 14 days but she is still on there. Someone also mentioned i might have used my max credit and thats why im declined. Im only 26 by the way if age is a reason why which is discrimination to be completly fair im in a job which pays £18,500 a year
  9. This is a general question for most people paying a DCA. How come most of the experts on here ask why we are paying a DCA? My OC says "refer to the DCA" so I can't pay them (account closed). My DCA implies they will sue my sorry arse off if I don't pay them what they want (no matter if I can afford it). The advice from here is that DCAs have no legal rights. And that we should not be paying them. So what is the crack? How can we avoid paying Metropolitan for an HSBC debt (for example) without having our sorry arses sued off? Thanks.
  10. After a day out my wife and I returned to our car to find a £70 parking ticket issued by the council. When we arrived at the car park it was quite busy so we pulled up outside on the road opposite the car park along with dozens of other cars. My wife spotted a parking warden in the council car park and went to ask her if we were ok parking on the roadside, we were told that due to the double white line in the middle of the road no cars should park on the roadside and the police would ticket any car it found there. I spotted a space in the council car park so I pulled over the road and parked there instead in full view of the watching parking warden. The parking fine was issued because we didn't park in a marked bay, by the same parking warden my wife had spoken to and had watched me pull into the council car park, she had waited 10 mins until after we purchased our ticket and left the car park for our day out. The car park itself is a gravel car park, with absolutely no markings on the ground to indicate bays, no markings on wall or fences to indicate bays, or lack of bays. We had parked nose to the fence, not blocking vehicle access, pedestrian access or any other kind of access. Can they enforce not parking in marked bay when there are no markings or signs to indicate bays or non parking areas? What defines a marked bay? The fact the parking warden watched us park there having already asked her if we could park on the roadside and taken her advice that we risked a ticket just makes me even more angry! Thanks
  11. The Salvation Army realised that it had never received a donation from the city's most successful lawyer. So a Salvation Army volunteer made an appointment to see the lawyer in his lavish office. The volunteer opened the meeting by saying, "Our research shows that even though your annual income is over two million dollars, you don't give a cent to charity. Wouldn't you like to give something back to your community through the Salvation Army?" The lawyer thought for a moment and said, "First, did your research also show you that my mother is dying after a long, painful illness and has huge medical bills that are far beyond her ability to pay?" Embarrassed, the Salvation Army volunteer mumbled, "Uh... No, I didn't know that." "Secondly," says the lawyer, "did it show that my brother, a disabled Veteran, is blind, confined to a wheelchair and is unable to support his wife and six children?" The stricken volunteer began to stammer an apology, but was cut off again. "Thirdly, "the lawyer said, "did your research also show you that my sister's husband died in a dreadful car accident, leaving her penniless with a mortgage and the burden of supporting three children, one of whom is disabled and another who has learning disabilities requiring an array of private tutors?" Completely beaten, the humiliated Salvation Army volunteer said, "I'm so sorry. I had no idea." And then the lawyer said, "So, if I don't give any money to them, what makes you think I'd give any to you.
  12. my partner is being tuped from one firm to another but the new firm want him to fill out a job application form and want to do a credit check on him but he refuses the credit check as he dose not work with money, and has told them no im worried that they may sack him for this, i know that under tupe law his contract and hours stay the same but once he signed to the new firm can they dismiss him for this? he works as a security officer and the site he on now has been took over by a new security firm and has been told that he will tupe over to new firm and everything remains the same why the job application form and the credit check though?
  13. Budget airlines, phone companies and gyms could be forced to make the small print of contracts clearer under proposals to reform the law. Loopholes used by companies to bury extra charges and payments could be closed under plans unveiled today by the Law Commission, the independent legal review body. If successful, the proposals would mean consumers would be able to challenge companies over extra fees and clauses if they were not displayed prominently and transparently. http://www.dailymail.co.uk/news/article-2178533/Why-small-print-soon-little-clearer-everyone.html
  14. I know I am a computer idiot, but i can usually get by, but now I cant get my smilies to work, when I click on them nothing happens what am i doing wrong?
  15. I have sent all the paperwork off to Salford for a small claims action. When I filled in the paperwork I specified my local court as a preference. Today I have recieved the notice of issue back and it states that it is in the Northampton Court (some 200 miles from where I live). What would be the reason for this ? I have also had communication from the defendant that they will be defending the claim and seeking for it to be heard in their local court - again some fair distance from me. Do I have a say in this matter at all - would there be a reason that it cant be held in my local court ?? I will post the claim details seperately as I have a few questions and dont want to complicate this thread. Thanks in advance.
  16. It doesn't really matter if you don't pay, the odd few that come to sites like this and see they don't have to pay are few and far between so they still make a pretty packet. Government statistics show nearly 1.17 million electronic requests were made in 2010/11 by private parking companies for vehicle details from the Driver and Vehicle Licensing Agency (DVLA). Figures show drivers are paying more than £93 million in charges, based on a private parking fine of £80, compared to £21 million five years before. The latest DVLA figures were obtained by Nick Smith, the Labour MP for Blaenau Gwent after he received complaints from constituents about a car park in Ebbw Vale, south Wales "I do not believe that British drivers are becoming less law-abiding,” he said. "Some motorists believe that some car park operators are only interested in penalising the motorist at every single opportunity for the most trivial infraction."
  17. Has anyone with a cat noticed how the smell of these pouches has got so bad that it almost makes one sick to just put it in the cats dish? It smells as bad going in as it does coming out the other end.
  18. If other agencies I pay bills to acted like SCC they would be seen as bullies and reported to the FSA. I have today recieved a summons from SCC for the privilege of paying them £150 in April and £150 in May, but as I didn't pay on the day they want it as I pay when I have the money, they issued me a summons and added £48 costs. Year after year I pay in full before the next years bill is due, but that seems to make no difference in how I am treated. I wanted to turn up at court as you would in this situation with any other agency and asked where my papers were to send in a defence. There was no Claim Form or particulars of claim. They really didn't want me to turn up at court, despite saying this was what I wanted to do. They make Dick Turpin look like a pussycat. If I haven't been served with the Claim Form and the Particulars of Claim then they have not effected service on me I am told. I have to write and appeal to have the 'Authority costs' of £45 and 'court costs' of £3 removed. Surely these charges cannot ligitimately be demanded? I am incensed by this action and the fact that they can get away with this and there is no agency that they have to answer to.
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