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About Me


Found 14 results

  1. If you have any comments, questions, insights or suggestions about the new GDPR regime which comes in force on 25 May, please post them here. New template here
  2. I started an important thread earlier today concerning a recent court judgment where a debtor was ordered to pay £7,000 in costs after losing his claim against Harrow Council and their agent; Newlyn. The background and Judgment can be read by way of the following link: http://www.consumeractiongroup.co.uk/forum/showthread.php?477808-Paying-the-creditor-direct-to-avoid-paying-bailiff-fees-has-landed-a-debtor-with-a-%A37-000-cost-order.(32-Viewing)-nbsp To ensure that the original thread does not go 'off topic', discussions about the judgment can be posted here.
  3. There have been a few threads recently from people who have suffered accidents where the third party is 100% at fault and the third party insurers have accepted responsibility. There are then questions raised about whether to claim on your own insurance policy or claim directly with the third parties insurers. There is no perfect answer about the best way to proceed, as it can depend on so many factors. You have to notify your own insurance company first anyway and you should discuss with them your options. If you have personal injuries to claim for, then it is not really wise to go t
  4. In a landmark case, Parking Eye won an appeal in the High Court with regard to parking charges, this has since been adopted as a standard reference in parking cases and also is beginning to be used in other "Unfair" charges cases. I have started this thread for discussion purposes so all thoughts are welcomed. It is my opinion, much the same as OFT v Abbey National and Others 2009 is irrelevant to credit card claims as it was clearly relevant to bank charges, that PE v Beavis is equally irrelevant to credit card claims as it is for a parking charge. This is just a start to what
  5. Here on the discussion section of the forum there have been various threads that have touched upon the matter of 'in house' bailiff enforcement. For those unfamiliar with this term....this is where local authorities are setting up their own 'in house' bailiff operations. The decision to do so is mainly a financial one spurred on by the Taking Control of Goods (Fees) Regulations 2014 which provides that enforcement companies may charge a 'Compliance fee' of £75 when sending a statutory Notice of Enforcement to the debtor. If payment (or a payment proposal) is not made within the 'compl
  6. I notice from the reaction I received when I mentioned the basic procedure for processing criminal actions, that there seems to be confusion as to the procedures and terms involved. It is not really surprising as most of the matters discussed here are of a civil nature. But for those not familiar with the fundamentals, here is my take on it. Firstly all criminal proceedings must start in the magistrate’s court. I have read people saying that you can chose where to start an action on say a private prosecution, you cannot. There are two kinds of offences which can be considered at the
  7. A number of frequent posters on the forum have said that they would like to have a thread so that we can discuss the procedures available for debtors if they consider that a bailiff has done something wrong. The thread can be used to discuss a variety of scenarios such as: What is the correct procedure for debtors to take if a bailiff clamps their car which is on finance? What should a debtor do if the bailiff has clamped or removed their car and it is needed for their employment. Can a bailiff charge a fee if the address on the warrant is wrong. PS: We had a similar
  8. It's generally accepted that a CCA doesn't have to be provided when creditors provide information under a SAR, but I've never quite got why that is. A friend recently sent a SAR to Barclaycard, who sent plenty of information up to exactly 10 years old. The one thing that they provided which was older was a copy of a signed application for a card. My friend had other cards with BC too but there were no CCAs or applications for them. Are we right to accept that a CCA doesn't have to be provided in response to a SAR, or are we being hoodwinked?
  9. I've just finished the work programme at Ingeus two weeks ago. Absolute waste of my life. But I think everyone who's been on it agrees - even the JCP advisers I've had agree but say it's just a hoop we have to jump through if we want our money. But my question is why do so many people who have nothing - no money, no stake in society, no job, etc, get so obsessed with data protection issues, like it's the CIA trying to gain information on them? Who cares? Why does it matter if you sign a form or not? Is it just a way to hold on to a sense that we are still important even though we are at t
  10. Hey, I've been addicted to this forum for a long while now and what I've realised is most people talking about ESA problems are always talking exclusively about 'Anxiety/Depression' issues - not physical illnesses. It's all relative of course, but I suffered from massive anxiety and depression back in 09, I never took the easy option of looking for ESA WRAG group because I felt there was a stigma attached. (I'm now in a big financial hole because I didn't and have been stuck on JSA jumping through crazy hoops). But the point I'd like to make is that now five years later - even tho
  11. Hi guys, I thought I'd come back for some clarification after reading the BBC news on tv licence excuses. http://www.bbc.co.uk/news/uk-22947160 First of all, I have noted that there still are 2 bands - Black and White £49 and Colour £149. Seriously who in 2013 has a black and white TV? I thought that was pre 1990s? Second of all, this is the most trickiest bit I have picked up, if you say you dont have to pay a TV licence, you have to prove this. And if you have "any equipment" that can receieve live TV then you must pay. So, someone who doesn't have a TV, but they have
  12. i need assistance with employment law, and personal injury claims. i would appreciate any advice that fellow CAG's can provided Work Related Breakdown i suffered a work related breakdown a year ago approx, however despite the problems at work i loved the actually job itself and always intended to return to work when i was well enough to do so, however i was pre empted financially and returned October last year and at that point formally started my grievance. like most people i had not idea of how a grievance procedure would work, so it was a massive learning curve. it is so unbeli
  13. 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 Monda
  14. Hello everyone, Myself Steven Brooks. I am new to this forum. I have not found the introduction thread of this forum so, I am giving here my introduction. I want to share my thoughts with all the members of the forum, on the topic about electronics and its uses. If I have done any type of mistake, then forgive me. I wish for your support and cooperation. Thank you, Steven Brooks
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