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  1. Good afternoon all I have taken a very vital case against Lloyds and this time it will be us (consumers) who are in a stronger position than the Bank. I have taken them to court and despite the fact that they have tried everything to drop the case; the Judge has given us a date. They are throwing money at me to stop the case "as a gesture of goodwill" I am a very specialised Financial analyst and I believe that I caught them in a fine line which will potentially cost them millions of pounds hence wise they are trying to close all the back doors for others to follow me and changed t
  2. Hi I am just looking for some advice. We purchased a car In October 2018 2009 tiguan with 114K miles on, we purchased from a dealer (sold from a garage) but i think hes a sole trader. Before we purchased, the dealer said the engine management light came on and went into limp mode, they plugged in and was the glo plugs and the light was now off and all fixed. Satisfied we purchased the car via bacs. On they way home the car went into limp mode - i called the dealer and he suggested carry on driving until it did it again. November 18 we had an issue with the clutch,
  3. So due to the news that has came out about the DWP underpaying claimants it looks I have been identified as one of these people and got a letter last week from the DWP. This letter required me to fill in a ESA3 form, and I have as a result of that information had to send in bank statements for the entire 4 years identified but I was told over the phone if I Cannot do for the full 4 years just to send what I can, since I feel they only need to see from the point I got my DLA lump sum, I sent from the few weeks before that to the end of the period so from 2014 to 2016, but the period covere
  4. Potential phishing impersonating Ministry of Defence READ MORE HERE: https://www.gov.uk/government/news/potential-phishing-[problem]-impersonating-ministry-of-defence Shortened URL to the same article: https://tinyurl.com/y9fw49nf
  5. Does my Employer have to tell me and my colleagues if they are currently looking for a buyer as they wish to sell the Company. Or only once they have found a Buyer. I have just found out that my company which is a Ltd Co and owned by 2 shareholders is having due diligence done with the intent to put it "out there" for sale.
  6. Update on General data Protection Regulations due to hit in may 2018 There is a overt permission of Data Subject to consent to processing of data, so a CRA processing John Doe's data without him knowing could fall foul. Likewise a DCA. Full implications are not yet known http://www.idgconnect.com/blog-abstract/26688/what-gdpr http://www.idgconnect.com/blog-abstract/24273/gdpr-probably-won-decimate-businesses-leave-burned Discuss?
  7. Hi Just received a claim from Howard Cohen this morning. Just wanted to check what I need to do. 1st - Acknowledge claim. Can this be done online? 2nd - Send CPR18 to Howard Cohen, as belows [template removed - dx] 3. Wait for reply.
  8. I fell behind on payment due to illness. Long and short of it is that FRF are threatening repossession. the vehicle is worth 1.5k. at auction it will get max £500. a trade garage who valued said they wiould pay the finance company 1.5 direct and deal direct. First Response tell me the garage would have to pay the full amount outstanding of 4k. if i VT i am liable for the balance after auction. i assume this is process. but if i am able to make the vakue of the vehicle does anyone know if other finace companies who have accepted this. has anyone had repo
  9. after some advice please. I am having problems with Restons solicitors who are pursuing an alleged debt that I owe to Cap quest. They ignored any requests for further information stating they didnt have to provide anything and that my letters had no legal meaning. shortly after they then threatened legal action, I then carried out the pre action conduct protocol to which once again they would not provide any documentation that I owed the debt and that my letters had no legal meaning. One of their letters did contain a couple of points, stating OC, Balance, when th
  10. Dear all, I unfortunately suffer from chronic depressive illness and have done so for many years with the condition significantly worsening over the past few years. In the year 2011 I had been subject to police investigation. I attended a police interview on a voluntary basis. Due to my debilitating depression I had an appropriate adult also attend this interview who I understand was a social worker at that time. The social worker, without my explicit consent, went on to record the details of the alleged criminal charges I faced on the NHS Trust’s IT system and within my
  11. Hi all , i have been attending work programme for over a month - and was late for an appointment due to a heavy cold and my provider decided callously to raise a doubt with DWP. recieved a 'good reason letter' asking why i dint attend work programme appt.- how can i successfully challenge this and avoid a sanction. help would be very much appreciated guys!
  12. Hi I haven't been here for a while and therefore a little out of touch with current practice. Thanks to the help of CAG I managed to win my battles with DCAs quite a few years ago. I have an old credit card debt which is off my credit file and owned by Cabot and for 6/7 years have paid them a nominal amount each month. They send the odd letter asking me to up the payment but I never respond as these are computer generated and I prefer to let sleeping dogs lay. Just had one threatening potential legal action if I don't contact them. I just wondered if they every follow thro
  13. Hi all, I am considering starting an action against the DWP/Jobcentre in a County Court. A brief synopsis is as follows: I claim Employment and Support Allowance (ESA) and am in the Work-Related Activity Group (WRAG). I am required to take part in a "work-related interview" every six months. At my last "interview" my work coach offered to conduct the "work-related interview" over the phone instead of in person. However, when I asked the Jobcentre staff to fulfil this offer recently they simply refused. I asked for the Jobcentre to make a reasonable adjustment in this respe
  14. To cut a long story short.... I worked as a freelance contractor for a firm for 6 months in 2015. The long term contract was eventually cancelled by mutual consent and in October. In December I was sent a letter from my client stating that they strongly believed that I had not fulfilled any of my duties under the contract and wanted £4,000 withn 30 days or were threatening to take me to court for £12,000 + I spoke to a solicitor who advised me that unless it was a letter from a solicitors on the clients behalf, then I should not respond as the client was probably "fishing" to see
  15. Hi all was wondering if any one could help? I recently stumbled across a letter written to me from the CEO of the company telling me I was due to have a £1000 raise as part of our company being taken over by a larger company. Having had a look at the letter it was dated on the 21st of December 2015 and my wage was supposed to go up on the 1st of January 2016. This of course is not the case and the reason why I am writing. It was by sheer luck that I managed to find the letter as it was in the managers back office near the bin area, I found the letter in a sealed envelope whilst i w
  16. Hello All, I'm looking for some advice, if possible In 2012 my wife and I were given a gift of £5000 by a friend who owned his own successful business after he found out we were in some financial difficulty. We refused the gift which he paid straight into our account, but he was adamant that it would be taken out on his company account and it would be written off. We didn't know if this was true or not but the money was gift with no strings attached. A few days later he called us to say he needed the money back as his accountant advised him that he was incorrect
  17. In the Pranksters blog, he has been informed of a company in Devon issuing PCNs http://parking-prankster.blogspot.co.uk/2015/10/devon-parking-agency-[problem].html If anyone gets a ticket from these people, treat with extreme caution
  18. Hi guys hopefully you can help me, briefly and to the point I'm having some concerns at work. My main concern is that I'm doing a role which is additional to the one I am contracted to do. I'm contracted to improve business development chiefly through tendering, of which I'm achieving and there is documented evidence of. However, my MD has since delegated another role/responsibility which was previously another colleagues role/responsibility but he has said that my performance in this area is not good. This is fine, everybody makes mistakes, but what he doesn't appreciate is that
  19. Hello New thread brand new topic Been told will not be dismissed on capacity but contract not renewed - does it seem like discrimination with facts below 1) Joined on zero hours then moved to fixed term - all fine till Sept 2014 2) I am deaf made all aware who appropriate 3) Sept 2014 went away 4) three months no contract 5) no manager as old manager off sick 5a) deputy but not known in team - she's now based down stairs not making lot of contact 6) no problems from start date till Sept 7) they told me three times in Oct wanted to speak to me never did 8) Oct to
  20. This has been going on since April this year. On examining my monthly bill in April, I found that there were charges for my mobile ringing my landline. Sometimes, the calls were short, sometimes relatively long. I am the only one in my household and there is no one to call. On occasion, the calls were when I was within 3 metres from my land-line and sometimes when I was asleep. There were also call recorded when my phone was turned off. There are no records of calls on my mobile log. BT does not operate a log of calls received - or so they tell me. I have been communicating w
  21. I purchased a cordial from ASDA a few months ago which I am convinced made me Violently ill with projectile vomiting within 10 minutes of drinking it. I gave it back to ASDA and complained, along a letter requesting a copy of the test results I phoned ASDA today and verbally requested the lab results to which they replied that they tried to get a copy from the producer of the cordial, but was told they could not have it, and also that I cannot get the manufacturers address in order to contact them. Is this correct? If not, what can I do to get a copy of it. I feel that people ar
  22. A short description of what happened:- Needed on Sunday 8th December to meet with Friends 1.00 at Finsbury park. Checked FCC website at 10.30 approx. - info was no train disruption and the 12.16 train from Potters Bar was running (est arrival Finsbury Par 12.38). Arrived Potters Bar 12.00 - train cancelled and next two were replacement bus services - earliest est arrival at Fins Park ~ 14.00! (also at this point I overheard someone who had purchased tickets saying that ticket were valid on LT for the day) Left station and phoned my wife requesting lift to Cockfosters - which she
  23. This is not exactly your everyday situation, however, I have tried to find answers on other websites but failed. I found this site and hope somebody can help. I am a distant relation of those involved and have tried to keep things simple but this has got to stop as been going on for a while. For information, the eldest, who has confided in me, is extremely ill, physically and mentally (this unnecessary stress is obviously making them worse). The youngest (who is causing the problems) is married with children and works full time. It surrounds the fact that the younger brother has b
  24. Hi all I've just had notification of a second repo order on my house, after a many year fight. I won the last round with a walking possession order over me but still owned a house at the end of it. I did a 550 mile round trip in a day for that too. Phew. Here is the background: I moved someone in whilst I'm working away to afford the mortgage payments whilst I deal with the arrears repayments. They get paid on 10th of the month, leaving me around 10 days behind every month. I asked Hamilns Solicitors (Santander litigation dept) whether this was a problem as I could make it up in th
  25. Hi, i had a visit from the good old compliance officer today to check on me. I'm staying with 2 friends and they wanted to make sure i'm not going out with any of them. I showed him my balances in all my accounts and it added up to £6200. He said that because it was 200 over 6000 then he would have to tell the job centre and deduct money. He then because of this asked me to send bank statements from the last 4 years within 2 weeks or i will have my claim stopped. I have been claiming income based job seekers for 2 months. I thought you didn't have to declare anything unless it was £16
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