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Found 1,070 results

  1. I posted this on the banana site but haven't had any response so was wondering if you could help. I've just copied and pasted what I put on their site below. I think I may have missed some of your standard questions so will have a look and try and answer anything I've missed below. If any of you could help I could really use it. I've got a bit of a different one here I could do with some help with. I've seen the forum and have a general idea of what I should be doing but could do with some guidance. Details below: Received a claim? Yes Issue Date: 30 Jan 2019 Have you Acknowledged the Claim?: Yes Total Amount Claimed : £300 Claimant’s Name: Lowell Portfolio Solicitors Firm: Lowell Solicitors Original Creditor: BT Original Debt : Phone Line Particulars of Claim: 1) The defendant entered into an agreement with BT PLC under account reference xxxxxxxxxx ('the agreement') 2) The defendant failed to maintain the required payments and the service was terminated. 3) The agreement was later assigned to the Claimant on 27/03/2017 and notice was given to the Defendant 4) Despite repeated requests for payment, the sum of £xx remains due and outstanding. And the claimant claims a) The said sum of 222 b) Interest purusant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of issue accruing at a daily rate of £0.049, but limited to one year, being £17.78 c) costs Is the debt Statute Barred: No List any letters you have sent: None Any Other Information or Background Details: This account was from 2008/2009 when I was a student. I had a BT line to allow us to get broadband at our house. When I moved out of the house in 2009 the landlord took over the account as he was providing this as part of the house rental going forward. The name and payment details on the account were changed online. I have not paid anything towards this account since May 2009. Having spoken to BT they said the only information they have is that Lowells made the last payment to the account on 29/11/13 the date the account defaulted. They cannot provide any other information regarding payments due to this being such an old account. Lowell (in a phone call) claim the last payment made towards the account was in July 2013 with the account defaulting in Aug 2013. Is it possible to argue that this debt should be statute barred as I have not paid anything towards it since 2009, or because someone else has made payments does this cancel out this defence? I should be able to prove I have not paid anything by requesting bank statements showing what payments I have made to BT. During my conversation with Lowell they also confirmed that they had been sending documents to another address (different to the account address) which I have not lived at for 14 years. What should my next steps be? Request account details from BT Request the specific documents from Lowell under CPR31.14 Anything I’ve missed? If you need any other info please let me know. Your help really is appreciated with this! What is the claim for – the reason they have issued the claim? 1) The defendant entered into an agreement with BT PLC under account reference xxxxxxxxxx ('the agreement') 2) The defendant failed to maintain the required payments and the service was terminated. 3) The agreement was later assigned to the Claimant on 27/03/2017 and notice was given to the Defendant 4) Despite repeated requests for payment, the sum of £xx remains due and outstanding. And the claimant claims a) The said sum of 222 b) Interest purusant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of issue accruing at a daily rate of £0.049, but limited to one year, being £17.78 c) costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Nothing received, the claim letter is the first I have got. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Multiple times. Did you inform the claimant of your change of address? No, I left the property after finishing as a student. My landlord took over the account. What is the total value of the claim? £300 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? BT Landline account When did you enter into the original agreement before or after April 2007 ? After April 2007 Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Not showing on my Noddle account (only one I use) Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Account assigned and debt purchaser issuing the claim. Were you aware the account had been assigned – did you receive a Notice of Assignment? I did not receive a notice of assignment. Did you receive a Default Notice from the original creditor? I did not receive a default notice. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I have not received any notice of default sums. As I mentioned above Lowell have been sending letters to an address I have not lived at for 14 years. Why did you cease payments? I moved out of the house, landlord took over to provide phoneline for the house. What was the date of your last payment? May 2009 (but payments have been made since by third party, Lowells final payment is the only one showing on BT's records) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I hope answering the above gives a little more information. If anyone can help me with this it would really help me out! If you need to know anything else please let me know.
  2. Hi All, Need a little advice as to where i stand and how to proceed. Myself and my partner moved into a new flat in July 2018 where the car park is managed by these clowns. We are one of about 10 who are fortunate enough to have a very big parking space where two cars can be parked back to back. We questioned this in the viewing and was told this was acceptable. The issues with countrywide parking started about a month after we moved in where we got a ticket on one of our cars for being parked incorrectly. This was appealed and of course, lost. It was then appealed to IAS and of course, lost. Since then we have taken the advice on here and i'm hoping that the letter received yesterday from BW legal titled Letter before claim is now the last from these cowboys The main issue i have is that since then, we have received multiple tickets on our vehicles (about 5 i believe) for the reason of "double parking". Thankfully, i have a copy of a letter from these cowboys that was sent to all residents before we moved in specifically highlighting that double parking was allowed in these spaces. This was thrown back at them during one of the appeals and yesterday we have received the appeal rejection saying that the block management have changed their mind, only single vehicles can now park in these spaces and that my appeal has been rejected on this matter (first i knew of this change of ruling). Firstly, where do i stand with appealing these and going forwards? One of the main reasons we moved in here was because it had the benefit of space to park two vehicles. There is no road parking around here that isn't charged so thats not really an option. I don't want to keep getting these PCNs. i know that CPM have never taken someone to court but i do not want to end up in a situation where they take us to court to make an example seeing as we will probably have a substantial amount of these by the time our lease is up! As expected, the appeal responses from them are pathetic, don't actually address the points i'm making and are going against their own signage and terms but i'm now starting to use a substantial amount of time dealing with these and whilst i'm taking great pleasure in wasting their time and money, id rather not have to!
  3. Hi all, I am not the first to post on this issue but I wanted to get some advice about the appalling mess that Sallie Mae UK created when it went bust. They were a subsidiary of the American private loan company and they briefly funded postgraduate education in the UK for a year or two. I foolishly borrowed money in 2006-7. They folded and the debt was passed on to various companies: Eagle Consulting, Total Credit Financial Services and most recently, Capquest who I believe are a debt collection company. There has been the odd complicated statement with huge interest added over the years from each of the companies listed , but no attempts at contact, no paperwork or phone calls to arrange a schedule of payment and nobody checking when I actually finished my PhD studies. I haven't spoken to anybody from the company and I have only had one email exchange with them - in 2009, when they (Eagle consulting) sent me three letters saying I'd missed payments. I emailed to say I was still studying and they updated the system to show I would be finishing in 2010. If that had happened, my first payments would have been due after a nine month deferral, so autumn 2010. Due to dropping to part time status, I actually submitted my thesis in summer 2013 but they didn't know that since they never asked again! My question is this: how does one establish a cause of action for a private student loan? Is there any way of establishing this is a statute barred debt or not? If not, I will need to challenge them about the exorbitant interest they have levied over the years , as it was supposed to be interest free until nine months after graduation. To give you a clear picture, I had a letter from Capquest saying they would be managing my account on behalf of arrow global. They wanted all future payments to be paid to them and had set them in line with the last payment I made to total credit which they claimed was £899.99 per month. I've never made a payment or spoken to them. I sent them the standard statute barred Scotland letter in response, and I got a letter back saying 'we were informed you were due to finish your course of study on 22 May 2015. With your entitlement to a nine month payment holiday, this means you are not currently due to commence payments on the loan until February 2016.' I graduated from my PhD in July 2014, having finished fully by autumn 2013! They continue: 'The Limitations Act states that the time start to run from the 'cause of action' which for this type of account is when the creditor is able to take court action to recover the debt. This will usually be after one or two payments have been missed. Court action is not possible for this type of account unless the account has had a default notice (or been terminated). As no payments have actually fallen due this account cannot qualify as statute barred therefore the balance remains correct and due to be repaid by you as per the original conditions of the loan.' They say that - although they have added around 10k of interest to a 15k loan over the course of 8 years, when it should have been interest free! Any advice would be much appreciated.
  4. Hello all. My wife has been receiving texts from TSB telling her that she is overdrawn and detailing the amounts spent and where for over two months now.....but she doesn't have an account with them. She has phones them three times to complain that she has been worried over this, thinking that she may have had an account with them that she had forgotten about, etc. TSB say that 'someone must have put your phone number in their details' but haven't actually done anything about it yet. Please can I ask what she should do about this?
  5. Hi i bought a very expensive watch from an online retailer couple of months ago and paid for it using V12 retails finance. 1 The watch was dispatched by them on the 19th of October 2018 however I received it after a failed delivery attempt on 24th October 2018. 2 After receiving the the watch I went on holiday for a few weeks and left the watch behind, I think it is at this point the watch stopped working or immediately before I came back. 3 On the 21st of November 2018 I notified the retailer that the product has become fault as its stopped working. 4 They advised me that since its outside the 30 days return period I am not entitled to a refund. 5 I argued that I took delivery of the watch on the 24th October 2018 therefore as far as I am concerned it still within my right to reject in 30 days. 6 Moving forward I lodged a S75 with V12 Finance and they started investigating once the claim was lodged I sent the Watch back to their return address to which they have not sent any confirmation but I used Special Delivery so i have proof it was signed for them 7 V12 finance advised me they have received the watch and that they have sent it to Switzerland to be inspected. And they have also confirmed that once they have inspected the watch and IF and only IF there is a manufacturing defect will they refund. 8 V12 Finance have advised that the watch has sign of wear to which I replied of course it would as I was wearing it and had intentions of keeping it. Now my point is if its the battery that failed within the 30 days will it be classed as manufacturing defect or simply not as satisfactory for a reasonable individual to expect. Also the fact that I have had bad experience with this brand I simply do not want the watch any more. What options do I have or am I stuck with this watch?
  6. we have always had pre-payment meters as they are easier to run being on a low income a year or so ago, could be longer, we had an eon smart meter put in for the electric, at the time we had the old style key that you had to take to a shop to top up, the key goes back into the meter and that tops it up so a smart meter was in, and we could "top up" online, pretty good. around two weeks ago the smart meter was just showing "000s" everywhere, for the time, and all readings over the last couple of months the eon website was really terrible to use too, payments were being made but not going to the meter etc we tried to make a top up last night, just got a circle while the page was loading, nothing happening, we checked the online bank and payment went through then this morning the electric went off after ages on the phone, they gave me a code to enter into the meter, this got us back on but smart meter display still showing no info my other half the account holder rang them this evening, we need a new smart meter, and how stupid is this........ we cant have one meter swapped for another they have to install an old type meter with key first and then come back another time to put another smart meter in SO MUCH FOR PROGRESS!! its a good exercise in time wasting though I think more than likely, we will stick with the key meter.
  7. Hello, I employed a builder to do a loft conversion, and renovate my house which I had just bought. He quoted £72,000 to do the work including all electrics, plumbing, plastering etc. The quote was itemised and he visited the property twice and priced up materials etc before emailing it to me. He said that the work would be completed by the end of last summer. He requested an initial payment for materials into his wife's bank account quite a while before any work was done. When he started he told me that he didn't have a lot of money and that I would need to give him money for materials which he would not make any profit on, and he generally showed me receipts. He also asked for 'wages' for himself on a daily rate of £180. I'm a single woman and I realise now after googling that I should have had a proper contract in place and made stage payments; I know now that he took advantage of me for being trusting. I was renting alternative accommodation in another town as the property wasn't liveable. I would pop down once or twice a week or so to see how it was going and progress was slow. Sometimes there would be no-one there at all and most often when I arrived they would be in the kitchen drinking tea. He had decorators, plasterers, electricians and plumbers come in, who he knew and had arranged. He had me pay their invoices. He had initially one labourer working with him, but that escalated to three labourers - he was invoicing me for all of them at a daily rate. The work dragged on past the end of the summer for no reason. The builder told me that he had been diagnosed with leukaemia and I felt sorry for him, but now realise this was probably a lie. I was finally able to move in in November, The main house being finished. The builder seemed reticent to move on the the conversion of an attached brick outbuilding and seemed to be finding odd jobs to do around the house. He asked if I could do a favour and pay his building subcontractors directly as this would mean they would need to pay their own National Insurance instead of him. I made a couple of payments to them in November- the daily rate for the builder and 3 labourers was £500. I also gave the builder £7500 in cash for the roof, which he gave me a receipt for, but he has kept the money and not given it to the roofer as intended. When I started the renovation I had the money needed from the sale of my previous house plus another £20,000. That had all gone and I took out the maximum loan I could from my bank of £25,000. The work continued throughout December when I was away on holiday. I came home after Christmas and it still wasn't completed. I did a spreadsheet and found that I had paid through bank transfer to the builder and various of his contractors £105,000. I also had unpaid invoices from him, his building subcontractors and further other contractors of £12,000. There had not been any extra work requested on top of the original quote, I had chosen the cheapest option wherever I could and the work on the original quote is still not finished. I told the builder that there was a problem with the overcharging and not to return to site until it had been resolved. I asked for a list of his extras and he quoted putting up a shelf in the pantry and other trivial things which in no way add up to the total. The biggest overcharging has been in payments to the builder and his 3 subcontractors - £60,000, the vast majority of which is for labour. This does not include the £7500 for the roof. My house is not huge, it is ex local authority 3 bedroom, outside of London. I refused to make any more payments and had the subcontractors texting, calling round at my house and demanding payments. One morning I found concrete poured on my car, and when I got home that night the front and back door locks have been superglued so I had to call an emergency locksmith. I reported this to the police and bought security cameras. I paid to have letters sent the builder by a building disputes company explaining that he had overcharged me and needed to pay me back the money. Also letters to the contractors stating that any payments they had received from me were made in error because the builder had told me to and that they should get payment from the builder and reimburse me with the money already paid. In return I got seven identical letters back from the builder's solicitor, one for each contractor saying that he was looking into it. That was two weeks ago. I would appreciate any advice please - I am a woman on my own who is finding it hard to get advice which doesn't cost a lot of money. I don't have much funds left and need to get the work finished. The cost of a solicitor is very off putting and I worry that if I take that route I could end up owing more money. I am also a little concerned that the six subcontractors might try to sue me for their outstanding invoiced which are each in the £1000-£2000 range. There are also some issues with the work which has been done - the brickwork for example is shocking and needs re-doing. I have tried calling CAB who referred me to Trading Standards, I called Trading Standards but they said that they would only help businesses in my county and not individuals. The builder is a sole trader and he co-owns his house with his wife.
  8. Hi all. I’m looking for some advice. I recently opened up a noodle account and noticed that a TSB account of some sort had been opened in my name. I think it was a loan as there have been monthly payments and now has a balance of £0. I know I should have checked sooner but in the past we used ones like Experian mainly for our credit score. Here are more details anyhow. The account was opened approx 3 years after we left the address it is registered at in 2014. There have been regular payments into the account/loan and everything other than it being false, seems ok. Payments stopped in April of this year and is marked up to date as of the end of April. Not sure how they managed to get my details as we had a redirect on for the mail and quickly notified people of our change of address etc. but something got through or left behind in the move. I’ve contacted the bank and have been given the number for their fraud department and have also marked the account as disputed on noodle. What I would like to know is what steps should I take to make sure this account is dealt with appropriately. Thanks and any questions that might help let me know. Spoke to their fraud department and it’s a current account, not loan etc. They’ll investigate and send me a letter in 10 days detailing what evidence was used to open the account. They’ve stopped the account and put a note on it.
  9. Hi Newbie here and I am hoping you guys can point me in the right direction. I've been lurking on here for a few days trying to find out various tips and information regarding my problem. I got into trouble after loosing my job in 2009. I had a lot of debt and couldn't make payments anymore. Entered into an iva in late 2010, made about 5 payments and then lost my new job and had to cancel the iva. I just cancelled my direct debit to the iva and never got in contact with them again. They eventually officially cancelled my iva in spring 2013 and started to get letters from various dcas regarding my individual debts that were in my iva. I paid a couple of credit cards off via dcas with a reduced f and f and got that in writing. But there is one particular debt that hasnt raised its head much. It was for a loan originally with Northern rock which I'm pretty sure was taken out pre 2007. Now I heard nothing about this until about spring 2017. I received a letter from a dca (can't remember who) so I stupidly phoned them up. I said I don't recall this debt so I need some sort of proof of claim. They then left me alone until Cabot sent me a letter in summer 2017. Letter and phone calls ignored, it then went quiet until last weekend when it's being passed to ruthbridge. I presume, because I've not made a payment since originally defaulting, the statute barred clock would start from when my IVA officially finished?? I've only 2 or 3 months to go before it's 6 years from that date so do I just ignore for now? Thanks in advance guys.
  10. I called up the payment line to claim back my surety fee today after my vehicle had been clamped by the NSL on behalf of the DVLA for no tax. I was told I had until yesterday to claim it back. It was stated in the leaflet i was given that i had 15 days to claim. Today is the 15th day, but the payment centre said yesterday was the 15th day. I had my car clamped on Tuesday 29 January. Today is Wednesday 13 February which is exactly 15 days after my vehicle was clamped. I am awfully distressed about this as i desperately need the refund. What can i do? Where can i take this?
  11. The father of my 2 children has not made any payments for nearly a year, every time I call the Child maintenance line they seem to say something i different. He earns good money and not only that now has another child with his new partner. He does not see his children (my children) and hasn't for nearly 3 years (rather horrible reasons I wont go into) . When I spoke to child maintenance team last year they said its with the enforcement team (as he now owes £2500), just now they said its with the team to be processed but they are very busy and dealing with it in a queing system. Ive told them he has a new child but they say that he needs to inform them of this information. (which he wont) Also he has lied about how much he earns so that his payments are minimal. The money would be very useful as I am struggling to make ends meet and they both want to have music lessons which are very expensive. At the moment just keeping head above water. Frustrating that CSA seem to be taking so long to do anyhting about the non payment.
  12. I have been issued with a a PCN for parking at a local council NCP CAR PARK. I have been photographed leaving the parking site without paying for a valid parking ticket. I DO have a parking ticket for the time of parking but it does not display my vehicle reg number, I could not remember my reg number when I got the ticket,couldnt be bothered to walk all the way back to car, so just entered a series of 1111111 in order to obtain the ticket. I have appealed the charge but am expecting in to be rejected, because thats what they do. what will happen if I refuse to pay up.
  13. Hi, I have received a letter from Lantern requesting payment for loans I took out years ago. The loans do not appear on my credit file and have not been on my credit file for at least the last two to three years. I think I defaulted on most of them six years ago that's why they are not on my credit record. Lantern have called me on my work mobile number once recently, ( within the last two weeks) and I refused to answer security questions because I was not sure who I was speaking to. But they did say they where formerly MMF. I do not wish to engage with Lantern, what steps do I take to ensure I pay them or not Thanks in advance.
  14. My employer offers employees a payment if someone applies to work for the company on their recommendation, and the person they referred to the company stays with the company for a qualifying period. A colleague referred two people, and with each of those referrals she was told that the person applying hadn't put her details on their application form, which is a requirement to claim the reward. She knows as a fact that that's incorrect, because she witnessed the second referred person putting her details on their application form. I recently referred a friend, who accepted a position with my company. I've made multiple enquiries to confirm that I will be getting my payment if he stays with the company for the qualifying period. However, none of my emails have been replied to, and it feels like I'm being stonewalled (especially in light of my colleague's experience). Assuming that my friend remains with the company for the qualifying period and that the company doesn't give me the promised payment, what options do I have to recover the money?
  15. I had an order of £300 that was not delivered and was issued a refund to PayPal, the item and the delivery charge. Since then, the order has been changed from not delivered to delivered. They are now charging me for the product even though it was not delivered. I have been getting texts on my phone telling me that payments are due but I'm a bit confused as to why this is happening if I was issued a refund earlier. I have not paid anything as of now. What I'm asking is how would I get this cleared up without having to pay anything and are they even allowed to charge me after they already issued a refund?
  16. My partner parked at a NPS (northern Parking Services) car park a few weeks back and the machine was not working. She could not pay for her parking. Today we got a ticket in the post. They have camera's there and must have automatically sent a ticket out. What are my options? Do I have to pay it?
  17. Hi folks, Yes bizarre, yet. I saw a job ad saying company is looking for a hospitality staff. Female preferred. I have all the experience they want and reference. No reply what so ever. The ad was posted on a website where companies people don't have to auth themselves. I did send my CV and cover letter to their official email as per their website. No reply. If it was someone prank they would of replied by now? I am thinking to bring this case to an employment tribunal. Copy of the ad exist in Google cache and some online archive sites. They also posted similar ad on another employment website. What do you think?
  18. I rented out a property in 2017 for 12 months to a lady who had sold her house. Due to a poor credit rating she paid 12 month upfront. It quickly became apparent that she had sold her house to then expect housing benefit to cover the rental at the end of the contract. I served her all the correct paperwork telling her she would have to vacate at the end of the tenancy. She refuses to leave, she is not eligible to the amount of housing benefit to cover the rental. The housing benefit she is receiving she is keeping it herself so is in arrears. Last week we were in Court for a possession order. She was given notice in September 2018 but simply doesn't want to leave. I ticked the box requesting that the hearing be heard in my absence but was given a hearing date. The Judge on the day said she didn't know why this was and was clearly annoyed. It all went downhill from there. The tenant just stated that she wanted to stay, was told that it was not an option and must vacate. With the minimum 14 days to the maximum 42 days, the Judge gave her 42 something I thought was for extreme cases of illness. Clearly there was an error somewhere along the line and if the decision had been made when the possession order was looked at, the week prior, I would be 35 days into this period instead of 42. She has had over 3 months to find alternative accommodation but with a worse credit rating than when she started, housing benefit, no reference and only trying private landlords she won't be vacating anytime soon. I feel I have been unfairly treated by the Judge. I would have expected 28 days for her to vacate and the Judge to see through the obvious lies the tenant was telling in Court. Have I got a valid complaint about the Judgement, I understand it won't change but I feel my position hasn't been taken into account.
  19. Hi All, just peace of mind really, since i'm not sure about it. back in the day 3 years ago. I had a mortgage which started off with Future mortgages, but the after the 2008 crisis became engage credit. eventually I sold the property at the end of 2015 - ad paid off all of the Mortgage. looking at the paper work I can't seen any PPI on it of any kind. Even when it was moved over to Engage Credit. Any Though as how I could verify if Any PPI was on my Mortgage Account? Cheers Red
  20. i started over a year ago with the company and i was told not entitled to holiday pay as casual and 0 hours, so got not holiday pay at all, recently had someone i know who use to work at a union and they asked about my job and i told them everything and they said no you're entitled to holiday pay they showed me how to work it out and turns out I'm owed £300, told my manager who informed wages, had half my payment. rest next week. But I'm wondering if i can get last years holiday pay owed to me as it works out at £100 owed? also When I started a few days later i received a message of someone who I had not heard of in a long time, asking if I had started working for them, I asked how they know, and they said they had a call from someone at the company asking about me! but yet no one knew i was working for this company that knew this person, (this person use to work for the company many years ago) I've mentioned it to my manager who told me to ignore it, I kind of have but it really plays on my mind wondering what else is said to this person as we do not communicate, or to anyone else. Since I raised my holiday entitlement Ive since been told that my Sunday shifts are voluntary and that should not be taken into account, (I mainly work Sundays as no other shifts during week, so no wages if I don't), Ive been told my hair needs to be different in how I put it up (never had issues before) been made to feel guilty if don't take overtime, not had an expenses traveling to other shops like i was told at start i would but then they took it away as they found out I drive, I've had £271 in expenses for parking alone and bus tickets, this would never have occurred as my contracted place is just around the corner.
  21. nhs contracts? Hi all, i am now working in the nhs as part of the theatre department and in doing so signed the usual contract agreeing to working on calls, late shifts and weekends etc, the problem is that some staff are not taking part in this arrangement because of various reasons ( my cats scared of the dark or little johnny wets the bed) sanctioned by the managers and therefore the remaining staff are having to work extra shifts to compensate. My question is, are we all being treated equally and do we have any basis for taking action against the management. Any help would be great. Cheers.
  22. We are on pay as you go both gas and electric and until the meters packed up electric on 31st Dec and then the gas on monday. everything was ok. the electric meter packing up left us with no electric at all and because EE were having their break they thought it would be a good idea not to have an emergency number.. I ended up speaking to SSE who came out 30 mins later to check the power into the house as they said just in case its a fault their side. it wasn't, it was a faulty meter, SSE electrician got authority to bypass meter. we then spent from 2nd jan to Tuesday 8th trying to get the meter sorted. it was changed on the 8th after they reported us to SSE for unauthorised meter bypass, which wasn't the case, the meter was changed for a key meter. the gas meter packed up on Monday this week, and after lots of phone calls, they sent someone to change the meter on tuesday. that was changed for a card meter. no card left and no key left. now EE have gone to the wall, and ofgem who`s advise is to stay put until they change us over, but where does that leave us without any means to top up our gas or electric.. .anyone have any suggestions have tried ofgem on their Facebook page but still waiting for a response...… .thank you
  23. I worked for TK Maxx and was sacked due to an incident where a customer had come to my till with a jacket priced £39.99 and I had scanned the item and inputted into the system that the customer paid me when he did not (Honestly don't know, I was in a world of my own). Upon seeing a receipt come out of the register I become even more confused as I start to question why a receipt has come out and whether or not the customer had paid me for the jacket, but given the fact that the receipt had come out (I just take that as a sign that he must have paid me) along with the fact that my manager was standing right beside me the whole time on the next till telling me to hurry up (which made me even more nervous) I decide to let the customer on his way, and after a while I had forgotten about this whole incident. The next month I was sacked and questioned about this incident by the Loss Prevention Department and after seeing CCTV footage of the incident I accepted that CCTV footage does not lie but I definitely did not do it on purpose (I know it sounds weird, but CCTV doesn't show what is going on inside a persons head). The police were then called and after being sent off to the police station where after hours of staying in a cell I was then questioned again denied any purposeful wrongdoing, and at this point I was allowed to go home, a couple days later I got a letter stating that "No Further Action" is to be taken. After this I had forgotten about the whole incident and several months later I got a letter from the Retail Loss Prevention stating that I owe £237.49 for Cost of goods not recovered, Amount of time taken by personnel involved, Diverting client staff from normal duties 1 - WHAT IS MY BEST COURSE OF ACTION? IGNORE, PAY (LAST RESORT) 2 - SHOULD I REPLY DENYING LIABILITY (BUT COULD PAY FOR PRICE OF JACKET ONLY £39.99 3 - IS IT LIKELY TO GO TO COURT? 4 - COULD THEY ASK FOR MORE MONEY IN THE FUTURE? 5 - WHY WOULD I HAVE TO PAY FOR "DIVERTING CLIENT STAFF FROM NORMAL DUTIES" IT IS THEIR JOB RIGHT? Any Question For Me? Thanks Guys For Your Help P.S One more thing I would like to point out is that I was sacked for "Deliberate and serious misuse of cash handling procedures" yet they can not prove that the incident was "deliberate" plus the police proceeded with NFA with rationale behind the decision including No Means Rae So was the sacking lawful in the first place? (Keyword "DELIBERATE")
  24. Hello Everyone, I am new to this forum so feel free to keep me right. I feel a little bent out of shape after my dealings with an online UK company that offers harnesses for dogs: You can find them at the web address fleece dog harnesses uk Here is the initial email I sent the woman: Message Body: Hello, I have had a challenging time trying to track down a harness for our 1 year old irish water spaniel. I have tried maybe 8/9 different models! She is still a puppy at 1- being a large breed. Irish water spaniels are slow to mature. She weighs 27kg of pure muscle and has pulled me off my feet on occasion ( running after a cat). Not only is she extremely strong and impulsive, but her skin is like lambskin- incredibly soft, particularly around the stomach, neck and chest. Conventional harnesses have caused abrasions. She has sores on her neck from her last collar. We took it off as soon as we realised. She often lies between size brackets which has made fitting more tricky. Often I order the medium, that fits her measurements according to the manufacturer’s chart but it turns out she needs the next size up. A lot of the harnesses have jutted into the back or front of her front legs. I am hoping you might be able to help. She currently uses a Hunter Norwegian Racing Harness which has been the best so far, but it is not terribly secure. She can be flighty for instance meeting a large dog or seeing a cat. She is almost able to wriggle her way out of the harness backwards. The other thing is that we really need a strong handle to keep her in check along busy roads. I will try and give you a ring tomorrow. I thought it might be helpful to send you a worded message as well since there is a lot of info! Kind regards, XXXXXX I subsequently followed up with a phonecall & placed an order for a custom made harness (as advised by the lady since she said the breed is too deep-chested for highstreet harnesses) I mentioned the handle again and i was told to look at a particular page showing a flyball harness. I confirmed i needed a handle. She asked if i needed a waterproof harness. I thought about it & agreed. So i paid an exorbitant sum (£58) thinking she had taken care of all my requirements. She did not warn me that the harness was non-returnable. Furthermore, I trusted her after a lengthy conversation on the phone & all the email correspondence. I felt reassured by a note on the website saying they wanted their customers to be happy. My order note also warned me not to let the dog wear the harness before seeking a return: ( Of course, the website mentioned that custom orders were non-returnable, but I ordered by phone & paid using paypal afterwards) Returns/Exchanges Please try your harness on but please do not wear, as worn items cannot be returned.Thanks. I would not have paid such a huge sum for a non-returnable harness that did not meet the requirements carefully laid out in my initial email. The harness arrived, awkward to adjust, with quite scratchy fabric and exposed seams on the internal facing of the garment. I have not been able to fasten the garment around the dog’s chest yet as it is so difficult to adjust. I will have to try again to check it actually fits her. My family agrees the exposed seams will rub on the dog’s chest. There is no handle. I sent a polite email on 23rd december. The lady has finally replied today, saying she followed my requirements to the letter and that I did not request a handle, therefore a return is out of the question. I feel very let down as I was so very specific in my written brief. It is as if she paid no attention to the dog’s particular requirements. The fabric is not soft either. Any advice gratefully received.
  25. Hello all, I am currently in the process of servicing/settling all of my debts and over the last 3 months have paid off 5 of my 7 debts (£4800). I have one large-ish debt of £5300 and a small debts of £700. I will be looking to get a mortgage early 2020 so checked out my credit report to see if there’s any other debts/defaults I’m unaware of. However, when I access my report it states I have no negative factors and no defaults. I can’t understand why it wouldn’t show my defaults, can anyone help please? I just want an organisation to be able to tell me all of my debts so that there ends up being no hidden surprises further down the line. help is greatly appreciated
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