Jump to content

Search the Community

Showing results for tags 'even'.



More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Campaign
    • Helpful Organisations
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV and Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - you need to register to access the CAG library
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
  • Work, Social and Community
  • Debt problems - including homes/ mortgages, PayDay Loans
  • Motoring
  • Legal Forums
  • Latest Consumer News

Blogs

  • A Say in the Life of .....
  • Debt Diaries

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Quit Date

Between and

Cigarettes Per Day


Cost Per Day


Location

Found 49 results

  1. Over the last 4years I have been receiving letters from N Power at my address, but for the previous occupants. As I used to be an Npower customer I have opened a couple of these thinking they were my bills etc. and have found that the previous owner of my house is getting gas and electricity supplied to another address,but having all correspondence sent to my address still. I have tried contacting Npower dozens of times to stop this and every time they have said it will stop,but it never has. About 18 months ago they offered me £20 credit as compensation/goodwill gesture onto my account for the hassle it has caused. I have now left Npower and changed supplier yet despite their most recent promises I am still receiving mail to my address for this other account. Last night I called Npower again and once again explained the situation. I am now told that as I am not the account holder, that they cannot do anything and that they will keep sending mail to my address. I have explained that I am worried that somebody could be racking a debt up against my address and that if they are, that they could end up sending bailiffs etc. round to my house. Is thereanything I can do, or do I just have to accept that these clowns will continuesending me somebody elses mail.
  2. can bes take over a residential property electric supply as they only do commercial electricity I need to no as been miss sold a contract please help the last few days have been hell bes utilities phoned me saying they were acting on behalf of my hopefully soon to be landlord no lease signed I have ended up in a contract some how I have been bullied and feel forced into this contract really not sure wat to do as I don't have a lease yet or permission to change the electricity supplier still they say I cant get out of it they say they are going to take over the electric suppy on the 25th and there is nothing I can do they also said the supplier at the moment cant reject the take over apparently I have no choice but to go with them all I want to do is get out of this contract. also the address on the contract is a residential house helllllppppppp
  3. Hi Guys. Not proud of this even though I am having some problems. I have received a summons for not paying a fine (not taxed) on time and they won't let me take an out of court settlement although I have been in this situation before with them (several times) and have been able to pay out of court. When I phoned they said there was a note on my account and the legal team won't speak to me. It seems odd that I don't get an explanation or can speak to anyone about it?
  4. Hi all, Hopefully someone can help/advise. My other half has a couple of debts (mail order) on his Credit ref file which total £2.7k they are causing an issue on his file due to the amount (apparently), he has been paying them back at reduced interest free amounts for 4 years now and seems to be getting nowhere as the repayments are £13 and £20 per month. Is it worth making an offer for them to write off the debts if we were able to pay a certain amount? Is this do'able? and are they likely to accept at all? My family have offered to lend me some money to do so but its nowhere near the full amount - i just want his credit rating to improve as there is nothing else untoward on there. Thank you in advance... Maudy
  5. Hi I have a question that I'm hoping someone may be able to answer. Some years ago I undertook a degree course with the University of Exeter. Unfortunately I was unable to complete the course but did do enough to claim a Cert of HE. However I had a disagreement with the uni about some fees 'owed' for a field trip and they refused to issue the certificate .... so now we arrive at today - more than 6 years later, when thinking of applying to the Open Uni, I contacted them to get official proof of credits and they still refuse citing the 6/7 year old debt as the reason. I mentioned that the debt would be statute barred by now but they still refused. So I have two questions: 1) Are they within their rights to do this considering the debt is technically/legally not owed anymore? 2) Its possible that i may be having to apply for a DRO in the near future. If i was to do this, and add this debt on to it (even though its now not owed, would they then have to issue the relevant certs/info? If anyone has any info/knowledge/advice they can share I would be most grateful Cheers
  6. Hi, hope someone can advise me on this. My letting agent is telling me that at the end of my current contract, they want me to sign a 12 month contract otherwise I will have to leave. I looked on my tenancy agreement and it states the following TWELVE MONTHS beginning 6th july 2017. If the tenant does not leave at the end of the fixed term, the tenancy will continue, still subject to the terms and conditions set out in this agreement, from month to month from the end of the fixed term until either the tenant gives notice that he wishes to end the agreement as set out in clauses 6 and 7 below or the landlord serves on the tenant a notice under section 21 of the housing act 1988, or a new form of agreement is entered into, or this agreement is ended by consent or court order" clause 6 and 7 talk about giving the landlord 1 months notice before I want to leave. Am I within my rights to ask to stay on a monthly rolling contract based on the above? Thanks
  7. I recently found a PCN attached to my windscreen from UKPC even though I was displaying a permit. The PCN stated that I was not displaying a valid permit, although the out of focus pictures taken by them, and displayed on their site, show the permit on my dashboard. I have appealed the PCN and asked that they stop harassing me, as this is the second time I have had a ticket whilst displaying a permit. What I find frustrating is that rather than cancel the first PCN, they simply waited 2 months for it to expire, and my guess is this one will probably go the same way. As this means I have to not only waste my time appealing these PCN's but also have to wait 2 months for a resolution, is there any way I can force them to issue a cancellation in a timely manner and to stop this happening repeatedly? As it stands,this series of events could go on infinitely and I have far better things to do with my time.
  8. Sending some Christmas presents, I booked a Next Day delivery with Parcel2Go on Thu 21 Dec. I put the item in an InPost locker for collection, but it wasn't picked up by the courier until Wed 27 Dec. The presents finally arrived Thu 28 Dec, a full week after I posted. Xmas happened in the middle extending the delay somewhat, but still the courier was technically 2 working days late in even collecting the parcel which was advertised and sold to me as Next Day delivery. I've asked P2G twice for a refund, but they say they don't guarantee delivery so aren't obliged to. They wouldn't refund even as a gesture of goodwill (I am, or was, a regular customer). Elsewhere I've read that as long as a parcel is delivered within 31 days it is not considered late. Can I somehow get a refund under false advertising/trades description (or similar) for this 'Next Day' charade?
  9. Hi, long time no post. asfaiwa my finances were now in a good place. I got a massive shock when I did a credit check on Experian two days ago to discover that a debt originally defaulted by Monument back in 2006 was now showing as a default to Arrow Global. This case was dealt with by the court around 2006 who agreed a payment of £1 a month to Arrow Global who had purchased the debt from Monument, and I set up a standing order for £1 a month. I was also paying £10 a month to Arrow Global for an RBS debt. In July 2015 the £10 a month payments stopped as the RBS debt was paid off. I can find no records of any £1 standing order payments to Arrow Global for the Monument debt since 2010 (as far back as my bank records go.) In November 2015 standing order payments for £1 a month started to Capquest, who had apparently bought the debt from Arrow. The first one was £5, (coincidentally 5 months after July 2015 ie 5 x £1 payments), going down to £1 a month after that. Arrow say they never stopped receiving £1 a month payment from me and that I had been paying by order book. I have no recollection of this at all and have no order book with them, nor any memory of cancelling the standing order to Arrow for £1 a month set up years ago, and no memory of setting up a payment with Capquest for £1 month in November 2015. Arrow then informed me that when they sold the debt to Capquest, I defaulted, and the default date on my credit report dates back to November 2015, long after the original default date with Monument. I didn't understand what was going on (I still don’t) and asked if there was any way the default could be removed. Their representative told me it was against the law for them to remove defaulted entries from CRAs. But the default shouldn't be on there in the first place, should it? It is my understanding that defaults should date only to the date of the default with the original creditor. Is this correct? Now, thinking that the Monument debt had been well and truly dealt with I (mistakenly, shoot me now ) chucked out all my correspondence with Monument a few months ago during a filing session. Ditto Arrow Global and Capquest. (yes I'm an idiot. ) I then rang Capquest who confirmed they started receiving £1 a month from me in November 2015. So why the default? Because, they said, I'd defaulted when they bought the debt from Arrow. Taking them at their word I asked for them to suggest a settlement figure and they took a list of all my incomings and outgoings and said they'd pass on my details back to Arrow for them to see if my settlement figure was acceptable. I suggested £500 on a £2,300 original debt. But once I got off the phone my husband said to me that something was fishy about all this, and that's when after discussing it we realised that the default shouldn't even be showing on my credit file. Both Arrow Global and Capquest were insistent that I'd defaulted when the debt was transferred from Arrow to Capquest. So what do I do? This has caused me untold stress and completely ruined my otherwise squeaky clean credit record. Gutted.
  10. This is going to be a very long drawn out case, unless someone can offer some element of hope for us. We completed renovations to a derelict property about 2 ½ years ago. Our porch needed a new roof which was done with a trocol membrane. In a storm back in January 2016 we returned from a trip to find a metal pole on the flat roof which had a covering of gravel. My immediate suspicion was that it was the remnants of an old tv aerial, but as it was only the pole, I have since found it to be referred to as the mast, not the aerial itself. This is important as it was referred to as an aerial when I rang to make the claim. Because of the gravel I did not notice the membrane had been punctured, but removed the pole and lifted down a bracket/clamp that was on the main roof. In the August of 2016 we noticed a dry rot problem, which had previously been identified and treated during the renovations, had come back with vengeance. I notified the company that treated our house and they began stripping the property apart under warranty to determine the source. It was then that we found the porch roof was compromised which had allowed damp to enter the property. I notified MoreThan/RSA that the pole was suspected and they sent out Building Validation Solutions. Their "inspector" was quick to dismiss the case, suggesting we would get nothing from the insurance company as dry rot was not covered. It was explained that we were not claiming for the rot but for the porch roof, hall, stairs and landing decoration and vestibule door due to the leak, and that everything else was being covered by the rot company. BVS suggested to decline the claim due to rot, but yet some three weeks later, agreed inadequate costs and issued a scope of works for a patch job with inferior materials than what was listed on his first report to insurers. After rejecting this, RSA sent out their own senior loss adjuster, from a fraud unit??? who took a statement and agreed that BVS had not conducted themselves correctly, and asked for estimates for the repairs. These were for different aspects of work, building, plastering, decorating plaster moulding etc and as they were emailed to him, he agreed them individually by email. Over a couple of months, he was aware we had begun the works as it was nearing Christmas and we had a lot of work to do to rebuild our home. 5th December he sent an email giving his account of what he had agreed "as he saw it" and was going to transfer funds. This was an inaccurate figure as he had forgotten to include some aspects of work he had previously agreed to, but after a quick couple of emails he accepted. At this time I had asked him to consider the exterior rendering of the front of the house to match the new render of the porch at our builders request. This went over what he was authorised to pay and he referred it to in house specialists due to escalating costs. We have been fighting ever since. It is worth noting that this loss assessor was happy that we were being fair and reasonable with regards to the claim, considering we were only looking for the porch hall stairs and landing even though the rest of the house was in a mess. At this time, they decided to send out a forensic investigator and she would be accompanied by the same BVS inspector that had been proven to be incompetent in the first place and we have subsequently found out lied on his report, suggesting he used pole cameras outside to assess the origin of the metal pole we found, when he most certainly did not. During the forensic visit we provided some drone images which show that the old pole that was present when we bought the property had been since been removed during renovations unknown to me, and that it could not have originated from the chimney stack after all. My reasonable and logical suspicion of a pole that I was able to prove was on the property before works began from old footage was clearly incorrect. I found out a week or so later after a few anxious nights of no sleep worrying about the implications, that the pole was in fact something my son had used to extend his reach while cleaning gutters out with a trowel, which he had inadvertently left of the large chimney stack while he was cleaning up. This was explained to the insurers, so the forensics wanted to interview my son, which was facilitated and he explained what had happened. The forensic report has recently been forwarded by the ombudsman after I lodged a complaint due to the time that has been involved and their treatment of us throughout. I have found a significant amount of inconsistencies, and the report is heavily based on guess work, estimates and opinion rather than facts. With the porch being completely rebuilt and no pole available to inspect, it is hard to understand how the forensic investigation could have been anything other than an opportunity for the insurers to wash their hands of the case based on conjecture, yet the ombudsman has declined to side with us and given much weight to the forensic report considering it was independent, and have rejected the claim. The costs of these works has been in excess of £30K which was all agreed as the quotes went through, and emails can confirm this. What I would like to know is if the RSA loss adjuster by agreeing these costs and knowing we had begun works has accepted the claim on behalf of the insurers. They are claiming that because I didn't accept the original offer of just over £20K, on the 5th December, even though the loss adjuster accepted in reply emails he had calculated the figure incorrectly, and omitted some of the previously agreed costs, they are not obliged to pay anything. They were entitled to investigate further and a flimsy forensic report with steering by BVS to clear his name was the reason. The title of the report from forensics is "Damage caused by Rot" for instance, which stinks of BVS influence, considering that is not what we were claiming for, and she has not once referred to the RSA loss Adjuster nor has he been involved since the 5th December as he was "sick" and now no longer works for the company. Any guidance would be most appreciated. We are in financial difficulties after heavily loading credit cards, borrowing from family and from our business which is struggling to pay suppliers now, on the strength of this agreed fund coming to pay them all back, and the lack of sleep worrying and what feel like panic attacks, knots in the stomach and sweating are wearing me down. Perhaps RSA policy is to break my spirt but hope I can get a shred of help to fight this one last time. 11 months almost....and counting. Many thanks if you have got this far reading and in anticipation of you helping with advice.
  11. Hi All, need some help please. I will list the points below: 1, 2013 - changed supplied to Eon, never got a final bill from Npower (they say they did send it) 2, Never got any bills of any reminds or red letters from them at all. 3, then got a letter from them out of the blue in Oct 2014 saying i owe them for gas/elec and i have to pay before debt collection agencies get involved. 4, i contacted them, and told them about back billing as they were chasing me for something which was 18 months old. 5, then i get letters from DCA, 2015, was told to ignore which i did. 6, small claims court arrives from county court, Jan 2016 7, i dispute it and regarding back billing and I win. 8, not heard anything for until Apr 2017, another DCA called Arvato started calling me to pay. 9, I told them the situation, they put the account on hold, they liased with Npower, then decided to carry on harrassing me. 10, 14th July Npower send a letter telling me i have to pay in full or they will default my file. 11, the amount is £467.35, yet when i log into the account and look back it says I owe £616!!! 12, I have sent an email to Npower to cease chasing me for this. I need to know, what other things can I do to stop this default? n.b. i don't have any paperwork as I won in court, and as it was a year old in jan this year, i binned it all (daft i know) Any help is much appreciated Thanks Paul
  12. Can anyone help me on how to proceed with the following Recieved county court claim today from mortimer clark solicitors acting on behalf of claiment cabot particulars of claim by an agreement between goldfish bank ltd and the defendant on or around 25/11/2002(the agreement) goldfish bank ltd agreed to issue the defendant with a credit card.the defendant failed to make the minimium payments due and the agreement was terminated.the agreement was assigned to the claiment. The claiment therefore claims £XXXX I have a letter dated april 2008 stating cabot have bought the debt and that the agreed monthly repayment plan with goldfish bank now needs to be maintained with cabot. I have kept up the plan and have never missed a payment. I dont understand why they are now taking me to court can some one please advise how to proceed Thanks
  13. Afternoon all! My girlfriend doesn't watch live TV, at all. That said she does have a Virgin set top box due to signing up for the tv/phone/internet package when she subscribed. She also has no TV license, but hasn't ever told the TV license people that she doesn't watch TV. I'm telling her to cancel the TV package and just fill in the form on the TV license website to say she doesn't watch TV and that will be the end of it. She's worried that they will investigate and see she has been a Virgin TV customer for ages and ages and demand back payment for a TV license. I'd really like to get this sorted as it's a big worry for her and she really doesn't need it at the moment. How should we play it and what do you think she should expect to happen?
  14. I was offered a temp position for 4 months via a job agency, before accepting the position i asked the job agency to email me the job description so i could double check the job title and job description on email as opposed to just accepting it over the phone from the agency. On the first day of the job I was taken to a different section of the company and not placed in the job role I had accepted from the agency (based on the job description the agency had emailed me) I was placed in totall different section/department nothing at all related to the job I had accepted from the agency. I called the agency a few days later to tell them and their response was 'that is surprising i can't understand why they have done that' I thought to myself at least ive got a job, so I spent the next couple of days doing some online reading and tests. After this I was 'trained' by another temp worker on a task which I found quick to pick up, so I thought to myself I would be doing this task until my contract was up in the summer. The following week the team leader told me I was now being 'trained' on a new task by another person (this person told me 'you have come to the worst team possible with the worst team leader) in the team, this person was not a qualified 'trainer'. He only knew the process after having doing it day in and day out over several years. This person did not have people skills at all and talked down upon me making negative comments. I was stressed big time because it was a complex process and the 'trainer' the team leader had picked to 'train' me had been working in the job for years and thought it was an easy job to pick up for someone who had no idea what was going on to start with or was not accustomed to the software systems the company used. I was so stressed I was unable to go to sleep i told this to the team leader who said to me its 'normal'! Nearly 3 weeks into 'training' i was not well and took the day off, the next day I had a 'return to work' interview in which the team leader was negative towards me in regards that it was taking far too long for me to get fully trained up and i was taking far too long on each case i was doing in training. The alloted time was 10mins a case. I was told by the team leader i was taking much longer and he would make a decision if i was right for the job in the next day or so because it was taking far too long time in his view for me to become proficient with the job and tasks. Later in the day the team leader came across over to me with the 'trainer' that was 'training' me sat next to me and said something along the lines of 'your not value for money.....etc' this was the final straw i felt humiliated by the constant negative remarks and decided enough was enough. The next day I was too stressed to go into work, I got an 'Absence without Authorised Leave' letter '...The Company do consider Absence Without Authorised Leave as a very serious matter, and it may be treated as gross misconduct which can result in dismissal, without notice. This is because it has a very serious impact on the Company, our customers and colleagues and is a serious breach of both Company Policy and also of your own contract of employment. Therefore, a Stage 3 Disciplinary Hearing will be arranged and I will advise you of when this will be. At this hearing we will consider the reasons for your absence, including whether there are any mitigating circumstances, before reaching a decision on the outcome. Should there be no satisfactory explanation one outcome could be that your employment is terminated, without notice on the grounds of Gross Misconduct' my understanding is they have decided to sack me but they want to make it official hence the meeting - but why bother if im employed through an agency, the company know i raised some concerns with the position - why did not address those concerns and the team leader putting all the pressure and making negative comments does not understand the process i was being 'trained' on himself - so how can they have a team leader who just wants to meet targets putting pressure on new starters and makes negative comments to such an extent that its effected my health and i've only been there 3 weeks! The question I have is I got the job through the agency, the contract sent was through the company, so why are they taking this agressive approach towards me? Do I simply call the agency and tell them I want to withdraw from the position and give the reasons as the team leader being negative towards me, putting me under undue pressure knowing i was under training and saying 'your not value for money' and him causing me so much stress that i can't go to sleep properly and wake up with worry about how my 'training' will go. The person assigned to 'train' me lacked people skills and was inadequate to train me, the subject matter expert who was the person who should have done the training was 'busy' to train me, so i was left with a person the team leader thought was a 'trainer' because he had worked there several years. I will call the agency tomorrow...please help asap, its effected my health and caused me stress so i am not going back
  15. Hi I've attached a PDF with information about the ticket received, not much information on it as I've not received a NTK as yet, but before I waste everyone's time I wanted to ask if I should even be contesting the charge. In a nutshell, parked and bought my hour's ticket, car park was pretty much empty, my ticket was until 4.40pm, parking charge issued at 4.51pm and I got back to my car at 4.52pm, so bottom line is I was in the wrong, however I think being charged £60 rising to £100 is a bit much seeing as the car park was practically empty and I wasn't hours and hours late. In my mind the company has not lost £100 by me being a few minutes late to an empty car park. If the general consensus is that I should suck it up and pay, then I will, but if you think it's worth contesting, I'd be really grateful of advice as to how to go about it. For windscreen tickets (NTD) please answer the following questions. 1 The date of infringement? 08/02/17 2 Did you appeal to the parking company? Not yet If yes, has there been any response? If no, have you received a Notice To Keeper? (NTK) Did the NTK provide photographic evidence? No NTK received as yet 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) 4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] 5 Who is the parking company? UK Parking Control Ltd thanks WeldersWife Parking.pdf
  16. My father has received a Parking Charge Notice from Parking Collection Services. The reason been for Parking on Yellow Lines or in Cross-hatched area at a car park in Ipswich. However my Dad has never been to Ipswich and the vehicle pictured isn't his (different make, model, colour and has a different reg number) !!!!! Adress of the alleged parking infraction is The Hub, Ipswich, IP1 2QA Dad is looking at sending the following appeal to them I am appealing as the registered keeper against this unjust and unwarranted parking charge notice. I appeal on the grounds that my vehicle was not parked in the location at time or date specified and that as a result no contract was formed. I ask that you cease and desist from sending me anymore unwarranted communication on this matter other than to confirm acceptance of my appeal. If I receive any further communication otherwise from yourselves or your representatives I shall charge an administration fee of £25 per communication. Do you think this is an adequate reply? We are also looking at complaining to the DVLA that they have released Dad's information to these cowboys, for no reason as its not even his car that they have pictured.
  17. Hi there, I have a problem with Hoover candy group and I don't know what to do . I bought a cooker/hob for my mother and within months it broke down. I called the engineer who came and said this hob is useless I will tell the company to sent a replacement. We waited and nothing came. When I called them they said the engineer has ordered a part when he told us you will get a replacement. We had to wait a month for the part(no cooker-no apologies). It was fixed after a month but the heat was really low. It broke down again nearly at the end of the year. The engineer came again(the same person) and after 5 minutes decided to leave and say the hob if fine. Now I keep receiving invoices from Hover Candy group of the amount of £64.50 for the call out even though the hob was still under manufactures warranty but the engineer is pretending the hob was fine and he was called for no reason and for that he is charging us the amount. I keep calling them to say that you need to come and inspect the hob as one of the plates is still not working and the rest are producing very low heat that you need at least two hours to make some pasta. I am at my end wits and i don't know what to do. Is there any suggestions? Anybody had the same issue? what do i do as i am not going to pay. Thank you in advance for taking the time to read my complaint.
  18. I qualified to become a driving intructor in 2012 and in Oct 2015 I gave my ADI badge back to the Driving Standards Agency (DSA) as I was no longer teaching due to being in a full time job. The DSA sent me a letter to confirm they received my ADI badge in Oct 2015 also confirmed they removed my name off the Driving Instructors Register. The DSA said in a letter I had ..."12 months from the date your name was removed from the ADI register on 30th Oct2015 to re-register without taking the driving instructor qualifying exams..." So in late Oct 2016 a few days before the 12 months was coming up, I sent in my application to the DSA to re-register, along with my card details for payment of £300. I also did a CRB check a few months before, which was required. The DSA received my application on the 27th Oct (The 12 months deadline was on the 30th, so they received it with 3 days left) I heard nothing for 2 weeks, then I received my application form back (stamped received 27th Oct 2016) and a letter saying my application was unfortunately being rejected because I had not made payment in the last 12 months (I was not teaching in the last 12 months - I had given my badge back and was off the register) as mentioned above. I called the DSA and was told I did not make payment within the 12 months deadline of wanting to re-register with my application form - I explained I sent my application within the 12 months deadline and my card details were on the form. I also explained I had a letter from the DSA from Oct 2015 telling me I had 12 months to re-apply from the date my name was removed off the register. I was told the ADI department was looking for my letter from Oct 2015 and would email me (which they did not) The next day I rang again and this time I again explained - I sent my application within the 12 months time period and wrote my card details on the application form. That my application was returned back to me stamped 'received 27th Oct 2106' - within the 12 month deadline. I was bluntly told my application was being rejected (even though I applied within the 12month period to re-register) because according to the the DSA 1. The DSA needed the 3 digit security number on the back of my card to take payment and they supposedly tried to ring me several times and my number was not working (I explained my number was working all the time and to ring me back to confirm it was working, but the person on the line said no). I explained I received no missed calls. 2. They said they sent me emails as well which I did not have in my inbox I was told bluntly I had to re-apply from scratch and do all the 3 driving instructor tests again and to re-qualify!! - I was feeling very angry because I did nothing wrong in my application and sent it in within 12 months. The DSA received my application on the 23rd Oct and the letter they sent me to say it was being rejected, was dated the 24th Oct, but it was sent out to me a via recorded delivery a whole 12 days later on the 4th Dec 2016 (why was my letter dated 24th Oct 2016 and then sent out to me on the 4th Dec 2016??) they wasted 12 days on purpose to send me the letter. The DSA received my application on 23rd Oct 2016, why did they not send me a letter telling me they needed the 3 digit security number from my card or why did they not send me a text message. The DSA received my application within 12 months and they should have sent me a letter to request my card details, if according to them my phone number was not working (which is a lie) I want to appeal the DSA decision on the basis of 1. I sent my application within 12 months of the deadline to re-register. 2. I need dates/times of the when the DSA called me and according to them my phone was not working (a down right lie) so I can get confirmation from my phone network provider to confirm my phone was working and they was no problem with the phone network - which would break the DSA false argument. 3. Why did not the DSA send me a letter to request the security number or try sending me a text message. 4. The DSA received my letter on the 27th Oct, (application form shows "received 27th Oct) - 3 days before the 12 month deadline. 5. Why did the DSA produce the rejection letter on the 24th Oct and take a whole 12 days to send it out to me on the 4th Dec via recorded delivery - they on purpose took 12 days to delay it being sent to me, so they could say I did not appeal within 14 days!! - thats how sneaky they are!! Please can you help me draft up a letter I need to send the DSA tommorow please
  19. Only for £80 which is nothing compared to some on this forum, but just wanted to share my personal *win* with knowledge and foresight provided by this site For some time i had a Citi/Opus credit card and kept it in a manageable level. At around May 2012 I left my family home at the start of a very bitter divorce proceedings. The details are unimportant other than at the same time to this I thought I had paid off the Credit Card completely and even destroyed it. Unfortunately due to the bitter divorce, letters that Opus had been sending me were not passed on (destroyed?) by my wife. My first hint of a problem was that I received a letter from Lowell informing me that I now owned them over £80. I immediately asked them for details , not a formal Prove it letter as I wanted to seem a bit naive . This resulted in a copy of statements from Opus going back to about October 2012. The problem was that every statement consisted only of late payments and interest adding up to about £50 of the £80 demanded. Not a single mention of the original debt There then followed many rounds of politely asking for statements going back to the original debt, with a response of either 'pay us' letters, copies of the part statements or even the original agreement at one point ( even though I hadn't even asked for it) This came to a head when they managed to find my telephone number and called. They made the mistake of saying that if I wanted the original debt statement that it would be my responsibility to to submit a SAR to Opus and 'its not their problem' I then sent them a heavy hitting letter, pointing out their statuary responsibilities, their onus of proof, revoking any contact by telephone etc and refusing to respond any further unless they provided either original debt proof, or started court action. They caved immediately and i received a No Further Action in the post today And that original debt? I still don't have the faintest clue what it was for. But extrapolating back it must have been for less than £5 Thats a 1600% overcharge fail for Opus/Lowell in the bag
  20. This is f....g rediculous. They mess up my calculation...let it run for years and then give me a 2 year backdated attachment of earnings. for over 800 pcm. (for one child). I had to leave my job....I got a much lower paid job and they were taking 350 for maintenance and arrears. I get another low paid job...they then accepted 250 for arrears only as the regular payments had stopped. I get another job and try to contact via email and web enquiry. No reply. Suddenly...without warning. £425 per month out of my bank account. I cant even afford my rent or electricity. And this is without travel to work costs or food. What the hell do I do.
  21. I've had an issue with a PCN going on for a little while. Essentially I got no ticket on my vehicle and no communication from the LA, the first I heard of it was when the TEC sent the order for recovery I completed a witness statement which was accepted, then the same thing happened again. Again I completed a witness statement which was accepted, this time the LA said they wouldn't accept it and would continue to pursure for recovery under the order (which had been cancelled!) After I challenged the legality of this, they eventually issued an NTO. I raised representations which were rejected so I took it to the TPT. At the hearing my appeal was upheld and the TPT confirmed in writing that they had directed the council to cancel the ticket. I am well aware that the council is aware of the hearing since they send a bundle to it and I've had no communication from them in over a year (the hearing took a long time). The council has now ignored the hearing outcome and sent out a charge certificate on what is now a cancelled PCN! There can be no claim of 'crossing with post' as this has been sent 5 weeks after the hearing. I've already fired off an email demanding they withdraw it, but this is now the second time the council has acted what I believe to be illegally. What's the best way forward if they ignore my email and escalate it to the TEC again? Is there any action I can take based on the actions they've already taken?
  22. I currently work as a Deputy Manager (one of 300) for one of the big four supermarkets, and they have recently announced a new contract change that comes into force on Monday 18th April. In effect we are being demoted to a lesser position, that being of a duty manager. They argue that our job role is not really changing as we will still be doing the same job we have always done and they will not be reducing our pay. However it is a HUGE drop in status as our current contract states we are 'autonomous decisions makers' which classes us as senior business leaders and opts us out of working time regulations. On our new contract we are not classed as this and we are therefore opted in to working time regulations. In addition we also recieve free fuel and a car allowance which will also be taken off us although they have given us over a years notice before they take this away. However this is in our current contract that this can be removed at any time so do not think that we can argue the point much there. The main issue is as Deputy Store Manager you are above all the other senior managers in the shop and now will be dropping to the same level as them so surely this counts as a drop in status, even though my salary will not be affected. It also effectively puts my career back 10 years as I was doing that job 10 years ago! There have been various 1-2-1 meetings held with the outcome already decided, however I asked questions weeks ago which have still not been answered and I also have not got a copy of my new contract as yet. From what I have read online if i work on Monday then I am effectively accepting the new contract and will have no means to put a claim in, in the future. Do I have a case for constructive dismissal?? Please help!! Thanks in advance
  23. I'm having a really frustrating time with my direct line at the moment regarding an accident I was involved in on a duel carriage way roundabout. I was in the inside lane going forward onto the 2nd exit. He was in the outside lane and needed to take the next exit. As the roundabout was full of traffic it seemed like he was running out of time to get into the correct lane to take his exit. there were cars bumper to bumper behind me but a gap appeared between myself and the car infront. I was going around 25mph at the time following the flow of traffic. Next thing I knew I heard him accelerating really hard and he flew past me just as I was passing his intended exit. He clipped my car and scratched his car from front to back as he scraped the side of my car. He ended up in the lane he was heading for and I stopped on the verge of the roundabout. to me, he obviously found himself in the wrong lane and about to miss his turning, He took a risk to get through the gap and to do so he had to accelerate to twice the speed of moving traffic. He misjudged it and casused damage to both cars. Ok so what my problem is that the insurance company - Direct Line - is representing both parties. Apparently the third party is not accepting liability and is saying it was my fault for obstructing him and because I wasnt taking the immediate turning I was infact in the wrong lane and therefore liable. I messaged the guy, who gave me his numner at the scence of the accident and asked him what he think happened. He told me that the insurance company told him that he was not liable because of these facts. He actually didn't know who was liable until they told him that I was! Ive been told by direct line every time I call that its looking like it might be a 50/50 settlement which isn't right. theyre telling me this without actually having seen pictures of the damage or a full complete statement from the third party or myself! I understand that insurance companies try to save money and time by just automatically ending cases like this on roundabouts as 50/50. They tell me that theyre acting very professionally but honestly I really don't believe them. they've told me that the damage evidence doesn't really matter and that its his word against mind which would mean we are equally liable. But what gets me is that his word was influenced by his insurance company which is also my insurance company! basically I know he was in the wrong. He drove aggressively and dangerously and he took a risk that didn't work out. I wont back down on this as I don't want to have to pay the excess and lose my no claims bonuses and also raise my premium. most of all its the principal. has anyone had this before and if so did you take the decision to another body and challenge the insurance company?
  24. I started claiming in December and from 23-12-15 I wa given an 82 sanction (dismissal from work) and 2 weeks ago I had a back to work appointment but couldn't attend due to me having a doctors appointment at the roughly same time. I called up universal credit and there was a problem getting me a new appointment so they said my local job centre would call me with s new app intent which they didn't (didn't bother me I understand they're busy) I didn't get a call so called up this morning and was given a new appointment for this Thursday morning with the same advisor that spoke to me like **** previous appointment I attended (it's on another thread I posted about the advisor speaking to me like ****) and it clashes with something personal (family) and + I do t want to attend with her again (he said on the phone only sh is available. So my question is with me already being sanctioned unroll pretty much April could I still cancel this on q phone call on the morning before it? I'm interested in getting back in to work but I am not sitting in front of her again, I would rather wait for my usual advisor who he isn't available for a few weeks I was told, would be cancelling Thursday affect my sanction further or is it ov been sanctioned anyway so it would be ok? Thanks in advance : )
  25. Please forgive me if the terms aren't 100% correct. Different insurers do their calculations differently, but this is my understanding of the basic process: No Claims Discount, normally rated in years, is a discount given which insurers apply to your actual calculated 'rate' or risk. Different insurers use different amounts for the years earned - no consistency. Your Rate or Risk is calculated based on some industry calculations tailored by individual insurers, which consider what is the likelihood of having to pay out to you, and is based on many factors including age, location, what you are insuring, and whether you have had any losses/accidents previously among many other things. The premium (what you pay) is the rate or risk calculation, with any discounts, including no claims discount, applied. So in the example of car insurance, an accident will increase the base calculation of your 'insurance' rate or risk. Any discounts, no claims or otherwise, are then applied to the amount calculated. Example: Insurance before accident with NCD = £200 (your risk calculation) - 40% of £200 no claims discount = £200 - £80 = £120 to pay Insurance after accident with protected NCD = £400 (your increased risk calculation) - 40% of £400 protected no claims discount = £400 - £160 = £240 to pay Insurance after accident without protected NCD = £400 (your increased risk calculation) - 0% of £400 no claims discount = £400 - £0 = £400 to pay Protected no claims discount protects the percentage of discount applied to the base risk calculation and is not protection from an increased basic risk calculation and hence increased cost of cover. Hope this helps in understanding. More info http://www.confused.com/car-insurance/guides/how-car-insurance-is-calculated
×
×
  • Create New...