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  1. Brief summary of events Defendant householder cut through electricity supply cable encased in concrete under his driveway. Claimant repaired the cable Claimant says cable was 200mm below surface of driveway Claimant issued Letter before Claim(LBC) 4 months later - no previous correspondence and begins "We are now in a position to serve our Letter of Claim pursuant to the Pre Action Protocol for Construction and Engineering Disputes. Claim is in negligence, claims for it's "losses" Included in it's LBC is it's "invoice" for the repair works. (£536) Claimant admits that it's LBC is a 'standard' LBC Many of the defendant's 'failings" alleged by claimant are simply not relevant e.g. failing to properly supervise it's employees & "Failing in all the circumstances to design or implement safe systems of work" Defendant made request for information, most of which were refused, including information aimed at discovering if the "invoice" includes a markup. Defendant made formal response to each of his alleged “failings”. Defendant denies liability. Claimant says that invoice must be paid within 14 days or it will become overdue for payment. LBC was, in fact, issued by and signed by a finance assistant in the Claimant's credit control department, who has dealt with the matter throughout. It is tolerably clear that claimant is attempting to run two mutually exclusive legal concepts - a claim in negligence as per it’s LBC and payment of a debt due under contract. Claimant has not (yet) issued proceedings. Defendant is concerned that Claimant might not, in fact issue negligence proceedings, but attempt enforcement action to obtain payment of £536 alleging that it is collecting payment of a debt due under contract. All comments welcome.
  2. like it says on tin!!! i remortgaged last year(june 2006) with different company (GMAC!!!) conveyancing lawyer was numpty and it ook 3 months to complete. anyway got a letter from her this morning saying that they don't have the Standard Security (well really she says that the Registers of Scotland sent it but they didn't get it) enclosed is a Security for me to sign and return. what does this mean? i can't imagine the Register for Scotland sending something that sounds important thru ordinary mail. any ideas
  3. Hi all Had a standard life endowment back in 1989 , stopped paying it probs 10 year into it, not got any details of old policy , is there anyway I can get policy details from standard life cheers
  4. Around 20 million energy customers (mainly with large suppliers) in Britain are on ‘standard variable’ rate tariffs, and are potentially missing out on significant savings. Ofgem has published its own league table comparing the cheapest and priciest energy deals on the market. The table compares how much customers on standard variable tariffs (often the most expensive on the market) with each provider could save by switching to a cheaper deal, without even switching companies. More than 1.7 million Npower customers could save £261 a year, simply by moving to another Npower tariff. While a record number of people switched in 2016, close to seven in ten households are still stuck on standard variable tariffs, costing £1.4bn in total. http://www.bbc.co.uk/news/business-38314164
  5. Hello folk, I called my electricity supplier (extra energy) to tell them I wanted to go onto an economy 7/10 tariff, they told me that they can't do it because it meant replacing my meter Am I being lead down the garden path?
  6. Hi I was caught doing 80mph on a dual carriageway back in March and just had my court hearing on Tuesday July 26th. During which time my points have gone from 9 down to just 3. I was unable to make court as it was 150 miles away and only had a few days notice. My case was heard and I was disqualified from driving for 6 months from the 26th July. If they are to take the 6 months from the 26th then I only had 3 points at that time and should only get 3 points and £100 fine? Have I got a case here?? Would appreciate any help MK
  7. Hello, I'm after some insight into employment law please, as I'm at a total loss. I was employed last year on a 24 hour a week contract. (I've now worked about 11 months, so I'm well aware I'm under the two years needed to avoid being fired for any reason for making a fuss). However, every week since I commenced my employment I've regularly worked between 30 and 65 hours a week. I'm also paid weekly. I asked about holiday entitlement yesterday as I've already had two weeks off (10 days) but was only paid 4 of them as holiday. I was told that because my contract is for 24 hours a week my holiday is only pro rata. Taking in to account 45 payslips I've now had, the mean average working hours is 45hrs p/w. Surely I should be entitled to more than my contracted hours of holiday entitlement, or am I just ****ing in the wind?
  8. I have just received a court summons with three options and need a little advise on how to act. On the morning in question I was in a carriage on the Thameslink service from Bedford to Brighton along with 7 people and two kids. We were asked to provide tickets by an inspector which I did so. The inspector took my rail wallet which included my work ID to access my building and previously purchased tickets. I asked for my wallet back to which he refused. He talked to two other passengers before speaking with me and ignored a woman and two kids opposite which I thought was strange. He then asked for my name and address. I questioned this to which he replied that I was in first class. I said I wasn't aware I was and asked for my wallet back. He refused to which I asked if we could resolve the matter at St Pancras as I was very embarrassed and still wasn't sure he was correct. He agreed. When i arrived at St Pancras I waited with an assistant and explained what had happened. After two calls and a search of the platform it was clear the inspector never exited the train. I waited 45 minutes while various members of staff tried to contact the inspector but all failed. I then was cautioned at work for failing to provide my ID that morning. I returned that evening to be told that no one could help and was best if I go to Luton to speak to the shift manager. I was given a free pass to get me there. Once there I was advised to purchase another season ticket and given an address to write to in order to receive my work ID and train tickets. He also informed me that he had spoken to the member of staff and that he thought I was getting off at Farringdon. My belongings were returned by kings cross prosecution department two weeks later. The inspectors statement says I walked away from him. This is not true. He also states that he was asked to meet at city Thameslnk. This is not true. What am I to do? Any advice would be welcome. I know its a bit long winded but I will seek legal advise if all else fails. Thanks for all your help in advance.
  9. Hi My parents wanted to close down their investment accounts with Standard Life and have the money in their banks so they could access their money more easily. They are in their 80s and are not that bothered about earning interest. We wrote to Standard Life, at their request, quite clearly stating which bank account to deposit the money. They paid the money, £27,500, into the wrong account. They paid it into a joint account, which is shared with my brother. Because my brother has been helping himself to the money, we have had to use my Dad's sole current account for any deposits, ie his pensions. Of course now my brother has stolen the £27,500, transferring it online to his own bank account. He also stole £94 from their joint account. We are in the process of freezing the joint account. A complaint has been raised with Standard Life as to how they could have made such an error. The woman I spoke to on Thursday said it was their error. Therefore, if my brother will not pay back the money he affectively 'stole', I would say it is up to Standard Life to recompense us. I would also like compensation for the stress their error has caused. My Dad has not asked my brother for the money back because he is slightly frightened of him. Do you think it unreasonable to ask Standard Life for compensation as well as refunding the money? If you think it is reasonable to ask for compensation, how much would you suggest we ask for?
  10. We were sold a 25 year Standard Life Decreasing Term Life Assurance policy / Mortgage Protection Plan on our first property / mortgage in 1990. It was also a condition according to the company representative who we had the meeting with. We have moved twice since then and mortgage amounts increased (with same lender) but we continued to pay the same monthly premium. Should the original policy been amended / updated to coincide with increased borrowing / coverage ? Thank-you
  11. Hi all, I received a ticket from Carparkingpartnership. I normally send them the standard letter at which point they scrap the fine. However this time they have rejected my appeal. Any help and guidance would be gratefully received
  12. If you were a policyholder with Standard Life when it demutalised in 2006, you would have been entitled to cash or shares. There are still 60,000 people who can claim shares and about 5,000 entitled to claim cash. Those who held a with-profits policy which started before March 2004 and was in force in October 2005 may be eleigible. The last date for claims is 9th July 2016. Anyone with a valid claim should contact Capita Asset Services on 0345 608 1478 http://www.standardlife.co.uk/c1/news-and-blog/uncategorized/dont-miss-money-thats/
  13. Don't know if this is the correct forum, so feel free to move if necessary. So I got two seperate letters from Standard Life pensions. One was a standard single letter and another more detailed set of letters accompanied with a terms and conditions booklet. Apparently someone has set up a pension using my address (but a different name). What do? I am not going to ring up some £3 minute line, plus the Standard Life website has 3 phone numbers and none of them match the employeezone.co.uk one on the letters. The employeezone.co.uk one doesn't match the one on the letters either. I am not going to talk to someone trying to divulge my personal details just to let them know something is odd since they may be the point. I have scanned the letters and removed any details if you want to look at them here: Also I don't want to have my address on some black list, or go through stringent checks just for being a victim of fraud. What is the best course of action? Hi, I've attached the PDF with all the scans. Hopefully someone using my address is a mistake of some sort but I doubt it. edit: The persons date of birth (but blacked out by me) is before I lived at this address, but I've been living at the same address for around 30 years and the persons birthdate is only 1-3 years before that. Doubt they would be registering anything back to this address, assuming the persons details are even legit.
  14. Hi I am trying to obtain some help for some close friends who naively accepted a 100% interest only mortgage about 8 years ago with no capitol repayment plan put in place. They bought the property in Scotland at peak price period. It is a sought after area outside Glasgow 5 min walk to a station with a 15 min commute into Glasgow City Centre. The area has been a low turnover in regards to property sales but downside has been an elderly population who have lived there all their lives. Over the last five years a significant number of properties have hit the market from deceased or elderly moving into homes. Some of these properties have required significant modernisation due to the older generation not updating the properties. This has led to average prices falling and bargain prices on those properties. Naturally most have been modernised now but this has impacted on local values in terms of a falling average sale price. Basically my friends need to rid themselves of the interest only mortgage but are concerned if they approach the lender who discovers there is no capitol repayment plan in place it will have a negative impact and could result in the mortgage being called in. The have had hefty loan and credit card debts putting children through education but now the children have left home and work, they have concentrated on paying off these debts. There is no question they can afford to make the repayments on a standard repayment mortgage given the amount of other debts they have cleared. The downside is the property is in negative equity and a general read through the internet does not off much hope on them being able to remortgage. Loan aprox £135k value of property £100-£120k depending on valuation. They are in need of replacement windows and a new kitchen and possible rewiring which may impact on any valuation. I guess I am seeking any opinion that may help me to guide them. Sorry for the long post but any advice would be helpful. I think the broker who sold the product didn't reinforce advice about capitol repayment.
  15. Hi everyone, In June 2011 I was caught travelling on an incorrect ticket and was interviewed under caution by a FCC revenue Protection Officer. He didn't take my signatures on the statement or his notes although I clearly remember him stating the caution and then proceeding with the interview. Thnaks to this forum, I got some good guidance on how to handle such a case and managed to pay a charge to FCC prosecution department and persuaded not to proceed further with the case (a substantially high amount imho but I was travelling without a valid ticket so was clearly in the wrong). Now,I am required to apply for a job which requires me to have a DBS/CRB Standard Criminal Record Check. I am worried that the 'caution' may show up on the criminal record although I am certain that the caution procedure was not strictly adhered to. Please can you advise if such a caution will show up on my criminal record? Your comments are most welcome. Thanks,
  16. Interesting one from the MAS https://www.moneyadviceservice.org.uk/en/static/standard-financial-statement-consultation W
  17. My late husband left me two pensions. One with Aviva and another with Standard Life. The terms of the Aviva pension was that 3 years after his death it would reduce by 1/3rd so I was getting £202 per month which has now reduced to £137 per month (wow!) The Standard Life pension was a much smaller one, only £75 per month (even bigger wow!). The Standard Life pension is paid on the 1st of the month. When I checked my bank account I got the shock of my life to find it had been slashed in half to £38 a month. They haven't even bothered writing to me to inform me they were doing this. I phoned them to be told by the young man on the end of the phone that they had written to me informing me that this would happen. When I asked him when they'd written as I hadn't received any letter yet, he said "We wrote to you on the 6th June 2011" That was almost 3 1/2 years ago and the week after my husband died. Sorry, but when you've just lost your spouse, as anyone who has gone through the same thing will tell you, you do not take in anything like that. Everything is surreal for quite some time after. So, this year I have lost £102 per month in pensions, money I can ill afford to lose, especially as recently I lost my job (company went bust) so had no other income apart from these pensions. Because of these pensions I would only have qualified for £5 JSA so didn't bother claiming it as it would have cost me more to travel into town to sign on than it was worth. I did start a new job on Monday so that is good. The Aviva pension, if I'm lucky goes up by 1% per year, the Standard Life pension by even less. I know my late husband paid a lot into these pensions but I feel both these pensions are an absolute rip-off. As far as I'm aware, the "deal" he signed up to ties me to these companies. I am sure I'd get a better return by shopping around elsewhere but I don't think I can even do this. I know the T&Cs on the Aviva one says "non transferrable". Really, these pensions are more trouble than they're worth. What makes it harder to budget is one comes in on the 1st of the month, the other on the 20th. Does anyone know if it would be possible to dump Aviva and Standard Life and roll the two pensions into one with another company? Or, perhaps someone on here might have a better suggestion as to what to do with them? And yes, I am ranting a bit about it as I think it's so unfair that widows are being penalised like this so thank you for reading.
  18. Hello there, Could someone point me to the most recent 'Standard' response to a parking 'fine' please? I only need a bog standard one because I paid on a Friday (up till 4am is the NCP time limit for some reason), went to London on the train, stayed over a friends, and the following morning paid for an additional 1 day's parking via RingGo..... it appears the 'fine' was timed at 9.30am but I used RingGo at 10.15am..... i found the fine at 6pm when I got back to the station. Thanks guys and gals!
  19. Hi, Took out a Standard Life Income Protection Plan in 1995, after reading some of the post's regarding these plans, now believe it was not required as I was entitled to Full Company Sick Pay. at the time it was sold the Financial Advisor informed me that I could use up my Company Sick Pay, then apply for the Income Protection when the Sick Pay ran out, can this be deemed as mis-selling Thanks in advance
  20. My mum and dad are in their 70's and have had standard life healthcare for donkeys and every year their premiums keep going up. My dad had a heart attack recently and now their premium has been advised that it will go up from £440 to £680 a month. yep a month! They have a small place in Florida that they travel to for 3 months of the year to get away from the UK winter weather and becuase this premium has gone up so much they are now thinking they will have to sell as they cannot afford to renew their health insurance (which also gives them travel cover) What is the point in having the health insurance as basically they obviously dont want mum and dad as customers, As I guess they are high risk at their age so they put their premiums up to much to try and get rid of them, they are long standing customers of standard life and not really made any claims in their time with them. Is this legal what standard life are doing??
  21. Hello, I am a new user and wanted some information regarding a 'Standard Order for stay for Settlement with consent of all the parties' I arrived home today to find one of these in the post. From what I can gather this means that someone has put in a claim against me for recovery of money and the judge has ruled for a length of time to be given to sort this out between ourselves. I understand that I will have to contact the court next but my issues are: 1. I have never heard of the individual named as the claimant 2. There has been no contact prior to this so how can it be 'with consent of all the parties' 3. I have no idea what this is regarding or the sums involved I really wanted to check that 1. What I have to do next? Contact the court for further information or can I find out from anywhere else? 2. Will this affect my credit rating? 3. Why have I had no prior contact to this judgement? Many thanks for your advice.
  22. Have you all seen this! http://www.rossendaleshighcourtenforcement.com/index.php/news/37/51/Rossendales-Secure-Prestigious-Government-Standard Rossendales Secure Prestigious Government Standard Rossendales has now secured the prestigious Customer Service Excellence (CSE) Government Standard! When it comes to Customer Service the Government is very clear, “They want services for all that are efficient, effective, excellent, equitable and empowering – with the citizen always and everywhere at the heart of service provision.” Rossendales has won significant Central Government Contracts recently e.g. HMRC,CMEC (Child Maintenance and Enforcement Commission) and The Student Loans Company . These Central Government contracts sit alongside our already, well established, Local Authority Client Base . It seemed appropriate therefore that we sought accreditation against a standard that is held in such high regard by Government. We are particularly pleased in having succeeded in our objective to be the first Bailiff Company to acquire this prestigious standard, thus reinforcing our intention to consolidate our position as market leader within the industry. We were required to evidence a range of criteria, including: consulting and involving customers setting and meeting the highest standards of service using resources to the maximum efficiency being innovative constantly looking to improve treating our staff and customers fairly. Within the assessment, applicants were allowed up to 11 ‘Partial non-conformances’ – Rossendales had none. Recipients normally reach ‘compliance’ status. Rossendales have been awarded ‘Compliance Plus’ status in recognition of our exceptional achievements in the following areas: Staff – Highly commended for their Professionalism and Attitude towards customers. Welfare – Dedicated department to help and signpost Vulnerable Customers and persons in severe financial difficulties. Innovation – In particular, the ‘Client Web’ which empowers Clients to securely view and update our case management system in real time and to track individual case progressions. Working Relationships - Providers, Partners and Communities Delivery – Body Worn Video Cameras for our field force to allow for greater visit transparency and accountability.. The CSE assessor concluded the inspection by stating: “It’s unusual for any company to achieve this award at the first assessment. This is an amazing achievement.” LL:???:
  23. Hi My 14 year old son was stopped in TKMaxx and accused of shoplifting. He hadn't left the store but was stopped near the tills. Taken to the back and made to confess and sign a banning order. I was called and advised by security that they would give him the benefit of the doubt and let him go. No Police etc called. Received letter attached which i am currently writing a response too. I am going to deny all liability etc and ask that they forgo the usual barrage of letter and go straight to court. I am not paying a penny and would love to take this further etc. Is the letter attached the standard letter for a 14 year old , i have read other post which refer to a paragraph about showing the letter to a parent etc. My son got this letter before we did and i found it in his room. Although he is 14 he is only 9 to 10 developmentally and has one or two issues. Although he doesn't understand the letter he does understand parts and it has affected him greatly. He struggles with suicidal thought and depression, this is just the sort of thing that could push him over the edge. Its just a shame that this was one of only a handful of occasions where he has been let out with friends and not with us. All replies greatly received.[ATTACH=CONFIG]40494[/ATTACH] Mark
  24. In August last year, my wife purchased an Asus netbook as a Christmas present for our Granddaughter. In August this year the charger would no longer work. We purchased a new charger, and contacted Littlewoods, explaining that although it was purchased in August, it was not used before Christmas day. My wife has since received an E-mail stating that a laptop charger is classed as a consumable part and therefore only has a six month warranty, and as this item was 12 months old when reported faulty we would not be able to reimburse you any costs. We did not really expect them to offer any reimbursement, but I was under the impression that a standard warranty guaranteed an item for a minimum of 12 months. Could you please help?
  25. Would like some help for a friend regarding a draft settlement agreement regarding wages owing, is there a standard wording that should be used for a small amount of money. My friend does not want to employer a solicitor as this would mean less amount of money that will be received by him.
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