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  1. CCA Enforceability Thread I'm sure I've seen it stickied somewhere and cant find it for the life of me.
  2. Thank you for your time and advice. We're looking for some general advice on this issue regarding my partner who is off work with depression caused by her workplace. The employer has told us they will visit this Thursday to "discuss her absence". Here's a bit of the back story: Mt partner is a Cleaner. She is off work due to depression, this was caused by her undergoing treatment for recurring miscarriages and her Manager moving her from a job she was happy in to another part of the company where it is very quiet, no interaction and a totally different world than where she had been. My partner asked to be moved back but was told it is not possible. She thinks she was only moved because her Manager had to cover 6am to 7am as she couldn't get into work for 6am. Funnily enough, the person who took my partner's old position starts at 6am (!) Events and Mismanagement that has led to my partner's Depression: 1. She was late for work twice when the buses here were effected by a huge amount of roadworks (which was front page news). Her bus simply didn't turn up two days in a row and she had to wait for an alternative bus (the following days she caught a taxi rather than lose her job). Both times she rang the Manager and let her know. All seemed okay until over 2 weeks later when her Manager issued her with a stage 2 warning for absence (not even a 'late'!). Luckily I was able to speak directly with the city bus manager who kindly emailed a letter explaining the missing buses and her Manager took the warning off her record. It was like a letter from Mummy for not having a PE Kit! 2. A few days later (revenge?). My partner received a printed warning document detailing things that would need to be improved in her cleaning duties. These included a set of stairs that experience 24-hour high traffic from hundreds of staff which she was warned were dusty and dirty. She was told another inspection of her work would take place on 4th April and if it wasn't satisfactory a PIP Procedure (warnings that can lead to dismissal) would be put in place..skipping the written warnings stages completely! Two weeks later she had the Thursday 23rd and Friday 24th March 2017 off as holiday. My partner went back on Monday 27th March 2017 and was called her into her Manager's office and told that the showers had body-fat in them, even though she had worked hard to make everything A1 before her days off. Her Manager then said "Just because you signed that warning, doesn't mean you can F?cKing slack off anywhere else!" (Bullying?). 3. Two days later (29th March 2017), My partner had a small operation to investigate the fibroids the hospital believe have caused her recurring miscarriages. She was not allowed this as unpaid leave and had to work before going to the hospital. She had to go work the day after the operation too. On the day after the operation she was taken home by the people she cleaned for in FOST and they phoned my partner's Manager to complain; which no doubt will be mentioned in the absence meeting and my partner blamed for it! Anyway, that date was 30th March which was the last day she worked and has been off with depression since. 4. On 24th April we received the letter saying they'll be coming to our home on 4th May 2017 to discuss her "illness, current health status, long term diagnosis, current abilities and when you might be fit to return to work. And also to gain authorisation to contact your GP for a medical report." - We appreciate any advice you can give and for reading this long post. If you can advise on what we should do at the 'Meeting to Discuss Absence' and whether we should print off this post and discuss it or if that would probably mean them finding an excuse to get rid of my partner? She has had depression all the time she's worked there (10 years) and never had long-term sick so could they sack her for depression knowing she has it anyway (last year she had a miscarriage and went sick with depression) Would she have the right to be asked to be moved and, if so, would they have to move her to a post that has the same hours/amount of hours? Staff who have complained in the past have always ended up sacked Finally, their letter says she can have a member of staff/Union Rep (unfortunately not in a union) at the meeting but I intend to be their. It is our home so can they say I can't be there? We will also be recording the meeting, as it is our home do we legally have to tell them so?
  3. Good afternoon, I was hoping someone would be able to help me with regards to a possible irresponsible lending claim? So I got in a bit of a pickle around November 2013, and started getting PDL's with wonga; fell into the "payday loan trap", and finally managed to get out of it about a year ago- I have not had a payday loan since Apr/May 2017 I do believe. My credit file is shot though. I was just wondering the best way to go about this? Am I ok to email the companies asking for details of all the loans i have had with them? As between November 13- February 14 it looks like I had 13 Loans with Wonga alone. This continued, and I eventually used Quick Quid too, Wageday Advance, Mr Lender, My Jar, Satsuma, and Lending Stream; together with an "Overdraft" from Safety Net Credit. Not good Any advice would be greatly appreciated. Thanks
  4. Hi all, I came across this site googling a company called asset link capital 5, they have taken over my Barclay cc debt and I wasn't sure if it was a [problem] or not. I've read through a lot of posts and I'm intrigued and excited about the potential. Currently I am paying Gregory Pennington £183 per month(£38.50 in fees) £144.50 split between 3 creditors for the following amounts. The Dmp started mid 2014 Barclaycard Services £6,744.23 PRA Group (UK) Limited - Bromley £7,174.96 SCL Collections £4,413.73 I've just had a letter from ALC5 saying they have appointed link financial outsourcing to service my account, it had an accompanying Barclay letter of confirmation. My main question was around servicing the debt myself thus saving on the fees. From reading other posts I can see there is a process first regarding sending CCA and SAR. I'm not exactly sure what these are, I get the main gist that I'm trying to establish whether the debt is enforceable or not. I'm unsure of the process. Do I stop paying the DMC immediately and inform them I'm sorting myself? And is it the DMC I send the CCA/SAR too or the original creditors? Also the ALC5 letter, does this mean Barclay have sold my debt to them? Sorry for so many questions in my first post.
  5. Hello, I'm new here so not sure if I'm doing this right! We recently took our 7 year old house Rabbit to the vets as we thought she had gone blind in one eye. They did a quick eye test, confirmed that she had in her right eye, and prescribed antibiotics for an ulcer in the same eye. I went home that night (Friday), went to put the drops in and realised they said ear drops. They were already closed, I called in the morning and the Receptionist said they are ear drops for humans but eye drops for animals so they are fine. I went to put them in straight away, 5 minutes later they phone back questioning if I've used them the vet tells me they are wrong, she needed 0.5% and was prescribed 5%. I was told to wash her eye out, and come back to pick up the new drops "at no charge as a gesture of goodwill". Since having the drops, she stopped eating, drinking and going to the toilet. I took her to another vet (for an additional £60) on the Tuesday, who said she needed painkillers because her eye was swollen and her gut wasn't working, and that antibiotics should never be prescribed without a full body check (Which she did not receive at the original appointment). On the Friday, I took her back to the other vet (Another £60) because she still wasn't eating and dropped from 2.4kg to 1.9kg in a week. Luckily, she's made a recovery but that's just the back story. I emailed the original vet the day the wrong drops fiasco happened, complaining that she had been given a 450% overdose and that I wanted an explanation as to how it happened and how 2 separate professionals informed me the drops were ok before I used them. The manager called me, and said that although it was their mistake that she had been given the wrong drops and they were sorry, it's ok because it was a benign mistake. I then took my complaint further as no one was accepting that it could of been a real issue, to the complaints department, who wrote me a letter saying that they spoke to a Rabbit expert, and the drops were fine anyway so it didn't matter that the mistake was made. My opinion is, they were very lucky that these particular drops did not affect her, but they could of. No one checked them at the time, and if I hadn't of noticed the label I would of used them twice a day as instructed. For a Rabbit who has already gone blind and is vulnerable, it is undue stress. If it was a painkiller she had been administered at a 450% overdose, she probably would of passed away. All I really want is my original £57 back that I paid for her first appointment and eye drops, because I think they have been careless and negligent towards her well being. Does anyone have any advice?
  6. looking forward to sunday On sunday it becomes illegal for companies to chage a fee for processing credit and debit cards. Now this is no interest to the private parking forum becasue quite a few companies such as Euro Parking like to add an imaginary £1.50-2.00 unicorn food fee to their bills. The dodgy DCA's do the same. Now, if they are claiming that you knew about these add ons because they were in the contract that will void the entire contract If you are wanting to pay them because you somehow believe that they must be right otherwise they wouldnt write that in their letters then question yourself why a company would stoop so low as to chisel you for a couple of quid when you owe a hundred and risk it all? look at the letters carefully adn if yours has a demand for a payemnt processing fee or admin fee for cards etc then tell us who so we can compile a checklist and help others to beat them with their own stick. I reckon a couple of hundred thousand complaints might fet the authorities doing something about this rotten business
  7. Hi, hopefully im in the right place im after a little advice without anybody judging me as finding it hard enough already Age -22 (now) Ive had a problem gambling addiction and have manged to cause myself around 10k+ of debt Without the Loans and the credit cards ive been in a vicious circe with payday loans Such as MyJar-2 Loans wonga-11 Loans Piggybank-8 Loans Sunny- 9 Loans Basicly taking one loan out to pay the other ect been going on for around 2 years now and wouldnt like to know how many loans ive received off the above 3. now ive heard stories unsure if there correct people are recieving refunds due to irrisponsible lending (does this class as that or not) Im not clued up with any of it so as much help as possible please. Many thanks
  8. Hi again guys, been having great success so far with these debts (will try to find a link my other post which is about over a year old to give you some context) So the quick back story Lowell owned the debt, bpo was acting on their behalf sent a CCA request bpo passed it back to lowell after not responding, lowell have then ask their legal team (phahaha) lowell solicitors to start court proceeding, rang them for abit of fun informed them that no cca has been sent, they have now supplied me with the request but it is unreadable (will update this post with a picture when I can) Because it is unreadable is it enforceable? It's crazy blurry you have to guess what words say I am also going to start a complaint as they have passed the debt on that was in dispute (no acknowledgement of the debt what so ever) In fact blurry is a bad way to describe it, you can read the larger letters but the smaller print (90% of the page) looks like it been written in a ink cartridge fountain pen on a piece of kitchen roll Edit: I would rather not just ignore it as it is very close to becoming statue barred (a few months) and would rather stall them with some paper work then having to do all of the paper work for a court defence I found this template on another site but I only trust this site for accurate advice what do you guys reckon? Dear Sir, Thank you for the reply to my letter dated XX/XX.XXXX. Having taken the time to look over the documents supplied in response to my statutory request made under the Consumer Credit Act 1974, I have the following concerns The document entitled “credit card agreement regulated by the Consumer Credit Act 1974” which appears to bear my signature fails to comply with the requirements of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557). In particular section 2 of the Regulations As you will be no doubt aware, the Copy Document Regulations requires that documents are easily legible and clearly the terms of the agreement are not easily legible, infact far from it. Many of the terms are blurred and cannot be interpreted and I am further unable to make out the prescribed terms as required by schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553). After taking advice on this matter, I am of the belief that this agreement that you have presented before me, as it stands would be unenforceable even by court order. Therefore, I require that you provide me a clearly legible copy of the agreement, where all the terms are clearly legible Should you not be able to supply a clearly legible copy, I would suggest that you give consideration to cancelling this account and reducing the balance to zero. Of course the alternative would be to seek a declaration of my rights under Section 142(1) of the Consumer Credit Act 1974. am advised that with the documents that you have supplied there would be an extremely good prospect of success with such a declaration, however, I am mindful of additional costs that such action could incur both on my part and on yours so I trust you will give consideration to this request Yours Sincerely
  9. Hello anyone out there who knows what's what re CCAs and DCAs etc - will cut short a long story, an original creditor defaulted me 2/3 years ago on a credit card debt, on assigning the account to a DCA, registered amount owing at £0. DCA wrote demanding payment of original debt and I replied giving reason I believed debt to be unenforceable - DCA replied saying would look into this and usually required 4 months to do so. At end of 4 months, I noticed DCA had 'updated' the default, with original amount said to be due, without notifying me, this being some 5/6 weeks ago - still have had no reply from DCA - is this in accordance with any of the various terms of credit card acts etc? - or should I have been written to prior to default being updated - I did read somewhere you could only be defaulted once per debt- More than grateful for any comments on this - thanks in advance.
  10. Hello I received a citation for an old credit card debt and was wondering if any one knew how to get the date extended so I have time to make up a defence if this is possible? I'm in Scotland Many thanks Tom
  11. In the last few years I have been a huge idiot and coupled with my mental health deteriorating I have had fallen into some issues with my debts. I am trying to be more positive and to get myself out of this hole and others so I want to start tackling this head on. Very £1000 Lending Stream £450 (Received start of CCJ proceedings this morning) Wonga £600 Quickquid £400 Capital One £1000 Aqua £2000 Vanquis £1000 Credit Union £1000 I had gotten to the point where I had to take out payday loans to pay the payday loans I had just paid and it just all came crumbling down. My quality of life took a negative turn as I was paying so much interest and barely making the minimum on my other bills. I have a family so this compounded the issue and it just broke me down so I just ignored it all and managed to get some help for my health. I haven't really done anything with these debts for the 12 months and some have been passed onto DCA. I don't have any savings I can pour into this so it is going to be a grind, but I will do whatever I can to get out. Can anyone help?
  12. Hi Caggers I have spent a long time reading through old posts and have a headache! My situation is thus. I have approximately 80k of old CC and OD debt mainly on accounts started 2000 to 2006. some possibly a bit later. I fell into arrears etc in 2010 as a victim of the 2008 crash! ( I held on as long as I could) all of these debts are now off my credit rating file except for one which is with cabot from a Barclaycard that was taken out in 2000 and should have defaulted in 2010 along with the others which barclaycard have sold and closed and cabot is still marking my file as up to date with a £1 payment I have been paying various credit card companies direct and some through DCA's (Cabot CDUK Moorcroft PRA etc.) between £1 and £5 a month for the last 7 years. They don't hound me and seem to renew my arrangements automatically every 6 months, (they send me a letter which i ignore and then another saying they will continue the arrangement) The issue is I would like to remove this debt from my neck as although it is not strangling me it is weighing me down and I am not in a position to pay it off. I could possibly offer about 10 -12% as a F&F settlement with the help of some family members, but wanted advice on whether I would be better of CCAing anyone first and using that as a bargaining tool? about 25k of the debt is a Barclays overdraft, there is one santander loan and the rest are CC's My mortgage (Current and up to date) is also with santander - would this harm that. Thanks in advance for any help you can offer me
  13. Can you believe this? https://www.theguardian.com/business/2017/mar/25/pret-a-manger-looks-to-uks-teenagers-to-tackle-looming-staff-crisis Apparently not too many people impressed so now they are agreeing to pay them. http://www.telegraph.co.uk/news/2017/03/25/pret-criticised-offering-teenagers-sandwiches-exchange-work/
  14. I have a bit of debt. It's not massive but it's at a level where it stops me from enjoying life. I had a few problems changing jobs last year where I didn't get paid for three months and wasn't entitled to benefits. So I had to either borrow or not pay bills, eat etc... I've worked out I can pay and extra £50 or so a month to clear it a bit quicker but I'm not sure in what order to pay it off. They highest interest debts are my smallest and don't really cause a problem. It's the following. Loan around about £5500 still owing. I pay about £240 a month. Low rate of interest. About 2 and a bit years left to pay it off. Credit card one about £1000 owing, at credit limit. Minimum payment is about £45 a month. Keep getting £12 charges for going over credit limit. (I'd like to keep this card when I get back on track because the interest rate is reasonable). Credit card two about £1100 owing, at credit limit. Minimum payment about £65 a month. High interest rate. Keep getting hit by £12 charge for going over my credit limit. Have cut this card up. Credit card three about £200 owing, at credit limit. Minimum payment about £7 a month. High interest rate. No charges. I've also cut this card up. What debt should I pay the extra £50 on and in what order to get it paid off more quickly. Before it is suggested I have looked at 9723567356506853286 ways to consolidate the debt but I can't get a loan, probably because of how much I owe already. Also I can't raise my credit limit on the card with the better interest rate so I can do a balance transfer. So I'm just left with paying off the debt.
  15. If so, you could be missing out on valuable credits that would help build up your pension. http://www.bbc.co.uk/news/business-38654321
  16. Hi all! A long story short ( i have touched on it previously some time ago) im happy to expand on the details if you want. I have a charging order on my property, there is no CCJ and its not from a financial institution. Ex landlord who i rented a shop from and business collapsed. He wanted £15K from me i said no way so he got a charging order attahced in 2008. i paid a small amout of money each month but then stopped in 2009 and had last contact with him in 2010. Now he has suddenly had his solicitor write to me stating if i dont pay they will push for sale of the property. he wants £20K inc interest. even though he has a charge against my property is there a limitation on how long it can be chased? ie 6 years? i have heard that the court feels 6 years is enough time to chase? is this correct and would that tie in with why i have suddenly heard from the creditor? i thought there is a 12 year limitation on secured but would like clarification. There is no equity in the property - perhaps £5k but after fees etc there would be none so it seems pointless he is chasing all of a sudden? Is it a coincidence that its 6 years almost since last contact?? I have recently had a welcome charge removed from the property could they have looked and now think there is the equity available? there is no CCJ, im thinking maybe the order is interim? Help!!
  17. hi, im 60 years old and i am on jsa, and have health issues, (can not stand for long periods) my adviser knows this ,but now she says its time for me to move forwards, and she will find me a work placement ,when asked how many hours, she said ,most likely 30 hours a week. my work sheet states looking for work 16 hours a week max.but shes going to find me a placement for 30 hours ? if i walk out of the placement will i be sanctioned.
  18. Hi there I wonder if I could receive some advice about the claims guys ? I have received 8 letters from rbs offering me around £5500 for mis sold ppi . I used the claims guys to act on my behalf . I called them after receiving so many letters asking me to fill them out and return them . I was asked to answer each question to support my claims after answering the same questions on four of the claims I got bored and said I do not have the time to continue and left it there, the person said to me that I would need to answer all of the questions for each claim before they could proceed , said that I would call back which I never did. now I have received 8 letters asking for payment for each offer I have had, surely this is not allowed ? How can they try and charge me for 8 different claims when I only answered questions on four ? This amounts to well over 1500 !!!
  19. 1) My 'Actions for getting employment" doesn't stipulate a number of jobs to apply for per week (which is odd, when I claimed before I had to apply for 2). Obviously I don't want to display every single job I apply for (which would risk creating a baseline figure), but what is the minimum number that an Advisor needs to see in order to sanction me (for insufficient applications)? 2) They also included 'log into my UJM account daily' - I have NOT ticked the box that allows the DWP to view the jobs I've applied for, BUT can they still see how often I've logged in? Ta
  20. Hi all This used to be the norm for me, checking the forum and working out how to deal with debt problems. I eventually managed to get my credit score back up to a point where I could get a credit card, albeit, a high apr Vanquis card. I was in a stable job earning relatively good money and have managed to make the monthly payments for the last 3 years. However, a few months ago, I lost my job and I had started to study for a career change. I have since qualified and even though I still have the experience of my previous job, it is becoming increasingly difficult to find a job. In the last year or so, I have taken on more creditors due to having financial stability. I took out a small loan last year with Avant credit for £1000 which has £715 left to pay in total, I also bought a new pushbike with V12 retail finance of which I still owe £654, I have a further 2 credit cards with capital one and the balances are £567 and £275. My vanquis card is owing £3167 I made a lot of phone calls a couple of months ago to see if I could hold off payments until I am financially back on my feet, but instead, all the creditors backed me into a corner to make arrangements for smaller payments, even though I couldn't afford to meet the payments due to not working. Does anyone know where I stand with this and what I may be able to do as I am now in a position where all of these creditors have now sent these debts to outside companies who are now writing to me and texting me. My credit score has plummeted and this situation is only going to get worse. I still have no work but none of these companies seem to be listening. Thanks in advance
  21. Hi everyone, I'm just new to this and have never been able to talk about what I've been struggling with so want to start by writing it all down and getting it out of my system. I know it's a long story but support is really all I'm after right now (and any experienced advice!) . I'm 19 years old, Male, A student and I work part time. I've previously worked full time and had good paying jobs and didn't have a worry in the world until I turned 18 and had my first "offer" letter from a credit card company. I applied, and was rejected. Then I got deep into the internet and discovered what a credit score was so immediately sent away for a copy of my own. To my horror, weeks after my 18th birthday, I had a credit score lower than 250 and 3 defaulted accounts listed under my name at an address I had lived at in my early teens. But I had just turned 18 how could this be? Exactly my thoughts... The accounts were all in my name but had a date of birth that had been reversed (1979 instead of 97). The accounts were active from 2009 to 2012 when I would have been aged 12-15. I immediately raised this with Equifax and 2 of the accounts were quickly removed from my file after I provided proof of ID. However, there was an account from Studio 24 that still had not been removed. I contacted Studio (Express Gifts) in July 2015 both by letter and email. I provided proof of ID and Address and copies of my credit report which showed the defaulted accounts. I was passed from pillar to post until March 2016 when they informed the account was now closed and the notice removed from my credit report. All seemed well with the world and I had no need for credit at the time so chose to push the whole fiasco to the back of my mind and enjoy my last summer before University. Cut to July 2016 and I receive a letter from Cabot Financial informing me that my debt of £845.87 had been sold to them by Express Gifts. The initial default amount was £120.94. I called Cabot and they rectified the situation in around 2 months, Express Gifts sent me a cheque for £85 as a "goodwill gesture." During the whole ordeal, I also had contact with the police who believed I had been a victim of ID theft (we moved out of the property in question in 2008). However, nothing came to light of it and I have since moved away from my home town and don't believe anything will ever come of it. As a result of this right royal muck up by a business years before I could even get credit, my score has always remained at the lowest tier (as far as I am aware, removing default notices will not up your score but will simply change your report). I have never been able to obtain credit and couldn't even get an overdraft facility or a student credit card. I still can't get the latter but have managed to obtain a £500 overdraft on my student account with RBS which has been excellent help. On top of this, I have now fallen into the trap of payday loans and have probably had in excess of 10 since I moved away from my hometown, became estranged from my family (I had a fallout with my parents as I believed my mother was the one who used my information to obtain credit), and started out myself. I now only owe £250 to wageday advance but this is after 1 deferral payment last month. On top of that, I have an Aqua credit card with a £100 facility that I had for emergencies - which of course sods law I had to get my washing machine repaired right before payday so used that. My plan is to be debt free by August, I wan't to have everything paid off and not have a single line of credit bar my interest free student overdraft and £100 Aqua card which I may shut down as my score has lowered even more since getting it. I just really wanted to write everything down and see if anyone else has ever been through the same thing as me, I'm miles away from home and have no one to talk to about it. They told me life'd be hard, but I never thought it would be as bad as this.
  22. Hi, My business partner and I are going to be registering our company very soon. I know that somewhere into the process, we're going to need to open a business bank account and designate that as our main account for the business. About 3 years ago, I opened a business account and had a business loan that was connected with that account when I opened it (by Lloyds TSB). This company was as a sole trader and wasn't a registered company. I had some payment issues and the business account was eventually closed, as I'd missed some loan repayments/late payments, etc. Ultimately, the loan was sold on by Lloyds and I've been paying it back ever since. I didn't go bankrupt or anything like that, and the loan wasn't a large sum of money. But I lost the business bank account in the process. I've been paying off the loan ever since through a debt consolidation company and all is fine in that regard. I was wondering if I'm likely to experience issues when opening a business bank account now? I'd use a different bank and I wouldn't be looking to get a loan or anything like that. It would purely be myself and my business partner using it as our official business bank account. Any help on this would be much appreciated,
  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. Hi everyone, I'm new here and after some advice. I was made redundant from my job last September through no fault of my own and been signing on ever since. However, before Christmas I had an appointment with my advisor at my local job centre and gave me details of a job to apply for but 2 weeks ago I received a letter saying that they are going to stop my job seekers allowance from the end of January to the middle of march. I have since appealed the decision in writing but when i went to the job centre today I had to fill in another form and explain again. I know it was my fault for not applying for the job, but I always complete the booklet and attend the job centre on a regular basis to sign on. Any advice? Thanks Louise
  25. Hi Thanks for letting me join this forum. I have a wee ongoing issue with a company called Debit Finance Collections. My husband joined a gym just over 12 months ago and signed a contract and DD agreement with DFC. Due to work commitments he is no longer able to use the gym. I e-mailed them at the beginning of the year to give them a months notice for cancellation as stated in the contract. The terms of the contract are worded - [*]I have received details of the subscription packages on offer I am committing to a minimum period of 12 months This suggests to me that after 12 months we can cancel the contract with a months notice. Following this e-mail I received a reply from DFC the reply was as follows - Dear Mr Sazno Thank you for your recent correspondence, the contents of which have been noted on file. We can confirm that you are able to cancel once 12 months have been completed however, this is subject to a termination payment. Please advise if you would like to go ahead with this option. If you have any other questions please don’t hesitate to contact us either via email or by telephone on 01908 422007. Kind regards I replied to this e-mail saying I did not agree and will not be paying a cancellation fee etc etc. I received an automated reply to say they would reply with in 10 working days. It has now been over 10 working days and I have not heard anything from them. The phone number provided does not work. I have allowed Febs payment to come out of the account but want to go ahead and cancel DD but don't want any threatening letters from this company. Just wondered if there was anyway to approach this. Thanks Sazno
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