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  1. Hi everyone, Could a persistent failure to respond to two emails and a phone call be seen as a failure to act? Background Person A took a company B to Tribunal on age discrimination grounds Person A asked his agency C for relevant documents Agency C failed to respond despite two emails and a phone call Person A now makes allegation of victimization against the agency C Agency C is now claiming that person A had the document that is why they didn't respond Person A didn't have the said document! However, my question would be: why didn't the agency
  2. Review launched to respond to patient concerns about NHS treatments READ MORE HERE: https://www.gov.uk/government/news/review-launched-to-respond-to-patient-concerns-about-nhs-treatments
  3. Hi, I spent a few days in Manchester last months and parked at SIP Gunn Street. Unfortunately I parked slightly over the line of the bay (there was a pillar on the other side, I am only slightly over the line looking at the pictures -from what I recal I was only on the line but their photos show otherwise). I received a PCN on the windscreen and appealed it on their website (from reading posts on the forum I now understand that I should have ignored it) My appeal and their response is below - is there anything else I can defend? Not sure if it means a
  4. A few months ago a male, who is a live in employee at a property opposite my girlfriends house aggressively threatend to smash my face in and knock my teeth out, when I asked a delivery man to move his van that was blocking the driveway, the delivery man moved his van and drove away but the other man made more threat and demanded I fight him in the street and telling me what he will do to me, so I called the Police. Police never came out because they said I was safe inside my girlfriend house. The Police investigated but the male employee who made the threats
  5. I need some help. I was very foolish back in November buying an item off Ebay. The item was a supposedly haunted piece of jewellery from a magickal seller. The item cost me £160. Needless to say I am not happy with the purchase and want to return the item, but because its gone over 90 days I cannot open a dispute with Ebay. The seller is refusing to respond to my messages I have sent. Can anyone please advise what I can do to reclaim my money back over an item which is clearly not as described.
  6. I know many people here is not legal adviser, But The advice as I could get from this website always was more useful instead any lawyers or citizen advice bureau. Thank You My car Insurance payments: I insured my Second car since February 2016 for Premium: £1124.00 Sub Total before credit charge: £1124.00 Motor Premium Tax: £106.78 Total cash price: £1230.78 Total charge for credit: £111.28 Total amount payable for policy term: £1,342.06 In less of 20 days a Car accident happened Tried to get some advice from a legal firm about this case: I gave
  7. Hello, I have recently received a liability notice from the P.C.P enforcement agency. I was advised by my colleagues that I should ignore a parking ticket that I recieved whilst parked on hospital grounds whilst at work. I got a PCN letter sent to my house addressed to me and ignored that too. Subsequently have now recieved a liability notice which has got me a little twitched. Should I continue to ignore this letter or pay it? I did phone the company who states it is too late to appeal and was advised to email a company that when checked on Google has no li
  8. I was asked to defraud DWP by a work programme provider in July 2015. In short I signed off, I got acall from a guy asking to provide details and sign forms for DWP to pay them. I explained I just signed off without a job. He told me dont worry think of an employer and we both could get paid. I just laughed at the guy and put him on loud speaker and let my mum hear him going off his nut and getting angry. First point of call, go back see my old advisior, she just looked at me like I was stupid and asked what she could help with:S. For 3 months DWP told me they wont take my complaint as I
  9. Hello, first post here having read through other threads. I received a FCN from Napier after parking at Willen Lake, i bought a ticket and it appeared to have blown off my dash into the footwell of my car. I returned to my car to find an FCN on the windscreen asking for payment of £80 or a reduced charge of £45 if paid within 14 days. I appealed to Napier through their online procedure explaining this situation and attaching a picture of my ticket. However they responded with a letter attached to an email stating that because i failed to ensure the ticket was di
  10. READ MORE HERE: https://www.gov.uk/government/news/uk-to-enhance-natos-ability-to-rapidly-respond-to-threats
  11. Good morning all, I have a question if someone is able to help... If a defendant files a full defence via MCOL, stating that they don't beleive they owe the claimant money and the reasons why; how long does the Claimant have to instruct the court to proceed once this defence is received? Many thanks!
  12. Hi, In 2011 I was refused a student account with Barclays whom I had held an account with for 12 years. There was some kind of minor, very old infringement (the next bank I spoke to said it should just have been underwritten). In 2014 Barclays changed their overdraft fees and I became one of the huge losers. I was a mature student with no spare income whatsoever and was transitioning from a undergrad to a postgrad course funded by a sponsorship for students from under-priviliged backgrounds. I was right up to my £1600 limit for almost all of each month because the minuses were much
  13. any ideas as FOS cant do anything....... can they? they sent me a summary of my account and thats the only contact ive had off them.
  14. Hi. I'm being taken to court over an alleged debt that I thought was unenforcable. I'm not sure how to respond to the court questionnaire. Brief Background In September 2012 I made a CCA request to Lloyds and their DCA at the time (Robinson Way) over an alleged debt from 2003. My request was ignored. "You owe us money" letters continued to arrive. In November 2012, I re-requested the CCA from them both, adding that I required a "legally enforcable original signed consumer credit agreement" before I would correspond with them any further. I heard nothing for 18
  15. I will try to fill you in as briefly as possible! In September I received documents from Northampton of a claim issued by Hoist Portfolio. the particulars of claim were very vague ie no date of debt, no date of assignment etc. I acknowledged immediately and stated intention to defend. I sent off CCA and CPR requests in accordance with the rules. These were disregarded and I received no response. It was allocated to small claims and transferred to my local court. The hearing date was set and a deadline of 25th Feb was set for returning witness statements.
  16. Hi I'm looking for some advise. Our home was repossessed last September and was sold at a loss. My husband has received a letter in his name only chasing the £51,000 shortfall even though it was a joint mortgage. They want him to fill in an income and expenditure form and then make an offer of payment. It says if he doesn't respond they will either request payments from his salary, (he doesn't work he's on PIP and ESA) get a charging order on any property he owns (we now rent our home) or take him to court to take an oath about his assets and liabilities. I'm really n
  17. I have recently asked Barclays for CCA They have send me the copy of without a signature and said in the letter In response to your recent request, we are pleased to provide you with the copy of your credit agreement and a financial statement. Section 77 and 78 of the consumer Credit Act 1974(amended) do not require Barclays Bank to provide you with a signed original form of the credit agreement and according with the Act It is not the policy of Barclays Bank to provide this. Any advise or suggestion
  18. Hi to all have received some excellent advice via these forums in the past for which I've been extremely grateful so hoping someone may be able to help with a new query: Have received a claim form relating to an old Lloyds credit card, debt dates back to at least 2006, over the years has been passed from DCA to DCA, last DCA was Lowell who have now issued the claim via Bryan Carter solicitors I intend to dispute the claim although need some time to consider this as could be on a variety of issues so intend to return the acknowledgement of service ASAP as
  19. I've received an email from one of the site team, but it won't let me reply saying I don't have the necessary permissions. In the end I've responded using the "contact us" option. Not heard back yet though. Also, i'm struggling to find where to update my home email, the profile page doesn't appear to give the option. Any advice, am I doing something wrong? Thanks in advance
  20. Hello I've tried looking at other threads but sorry can't seem to see the answer. I didn't respond to a Court Claim by GE Money due to my daughter undergoing an emergency operation and t.b.h I was more worried about my child. The claim was awarded to GE (no surprise there) and I know I should have completed the claim form however just running back and forth to hospital, spending days and nights in ICU - I didn't do it. IS THERE ANYTHING I CAN DO BEFORE BALLIFFS TURN UP? I can not pay the whole debt in one go and hope GE or Optima Legal Services will accept some instalments
  21. The latest call for evidence is here:- https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/209665/wca-cfe-4th-review.pdf Please respond with your own or someone you know's experience of the WCA, particularly the effect on your/their health of the stress involved. Closing date is 27th August
  22. Hi all, thanks for reading. I would be very grateful for any advice on the following - This morning I received a letter from Advantis Credit Ltd advising that they were acting on behalf of their client Lowell and were seeking to recover a debt of £961.14 from me. I have a vague idea that this may be a debt from more than 6 years ago although to be honest I cannot remember exactly when it was from. Should I send a statued barred? letter or a request for the original credit agreement first? I honestly cannot remember exactly what this debt is for?! Thanks in advanc
  23. But what happened to Asda ? http://www.oft.gov.uk/news-and-updates/press/2012/116-12 Eight supermarkets have agreed to a set of OFT principles to address concerns over special offers and promotions for food and drink. Aldi, Co-Op, Lidl, Marks and Spencer, Morrisons, Sainsbury's, Tesco and Waitrose have agreed to adopt the principles into their own policies, following constructive engagement with the OFT. The principles clarify the OFT's view on how promotional claims should be used so that consumers can rely on them being fair and meaningful regarding the value of the produ
  24. Hi, HSBC now doing the same as Natwest did and don't bother actioning a SAR if they think you're just after PPI! I sent HSBC a SAR on 30th March 2012, I used the template letter from here but I didn't enclose a fee. Now I didn't send the fee because...... a) I just didn't have the money to pay all 11 and the template letter I used was worded "please inform me, prior to processing this request, if you require a fee to be paid" . Yes I now know this was a mistake! I should have changed it and just enclosed the fee! and b) I know from previous experience with bank charges a l
  25. Hi, I have just received my prosecution letter from London Midland which reads, "On the 9th May 2012 a person giving the above name and address was questioned by a member of rail staff with regard to an alleged incident on London Midland Railway. This matte has been previously authorised fr prosecution. Before I proceed further, I invite you to respnd completely in full the bottom section of this letter, making any comments about the incident on the reverse, and send it to the above address within seven days. Failure to respond will lead to the matter being progressed with
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