Jump to content

Search the Community

Showing results for tags 'this'.



More search options

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • CAG Radio
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Campaign
    • Helpful Organisations
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV and Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - you need to register to access the CAG library
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
  • Work, Social and Community
  • Debt problems - including homes/ mortgages, PayDay Loans
  • Motoring
  • Legal Forums
  • Latest Consumer News

Blogs

  • A Say in the Life of .....

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


About Me


Quit Date

Between and

Cigarettes Per Day


Cost Per Day


Location

Found 526 results

  1. I parked in a no through road which leads to the entrance to a supermarket car park and a derelict building site, which after many years of standing empty is finally being redeveloped. The road is accessed from a main road, where there are normal road markings and no signs stating that you are entering a private road and there is No Parking or any charge if you do park in it. Shoppers often park in this road for a short time whilst they go the supermarket, even when there are spaces available on the store car park. One day I parked in the road because the supermarket car park was full. I parked for less than 10 minutes behind a car that was already there and didn’t think anymore of this until I received a PCN in the post from a private parking management company. I was shocked that this stated I had parked in an un-adopted road which was no parking allowed and had a £100 parking charge. The council confirmed the road is un-adopted whilst the site is being developed. The company had taken photos of the car I was driving, which was parked alongside a derelict building in the road. The signs stated Attention Private Land – The site is managed & operated for No Parking at anytime and that there is a parking charge of £100. These signs are not in the line of sight of a car driver and when you leave the car to go to the entrance of the supermarket they are behind you and there are no signs in your line of travel. You might see the signs on your way back to your car, but that is obviously too late. The signs are on the perimeter of the building site, which the derelict building is part of, and they refer to “Land” and “Site”, so you would assume they refer to the building site being developed, and not the road. If the road is included then there should be a sign at the entrance stating this is a Private Road and the terms and conditions that apply, as was in the Supreme Court case Parking Eye Vs Beavis. To make matters worse the signs on the derelict building are not illuminated and are less visible at dusk when I parked and when it is completely dark they cannot be seen at all! I disputed the charge with the management company because there were no signs at the entrance of the road and the ones on the building alongside which I parked had not been visible and referred to the building land/site. This was rejected because the IPS had approved the signs and location of them. I tried to appeal to the Site Owner/Director of the company who are developing the site, but he ignored my letters. His company finally did respond after my Father wrote to them. They confirmed that they had appointed a parking management company to control misuse of their land. I and other shoppers, unaware of that this is a private road with no parking, are hardly misusing the land by parking here for a few minutes! Even Police have been seen parking here and I am aware that at least one unmarked Police car was issued with a PCN. The management company have had many requests from the Supermarket store management and people like me to improve the signage and/or paint double yellow lines, to remove any ambiguity, but they have repeatedly refused. One store manager even complained that an employee of the Management company was parking by the derelict building, adding further to the misleading situation. In fact I am sure it was one of their employees whom was parked in front of me when I was issued with my PCN. It certainly was the same type and colour of car that I have seen driving around checking for parked cars. My Father did a study and saw 13 cars park there in one hour one lunch time, including an armed Police woman! I foolishly tried the IAS appeal process, knowing that I only had a 20% chance of being successful, because it is well known that this is not independent at all. True to form my appeal was rejected, even though I had pointed out and given proof that the evidence given by the management company was incomplete and the site plans and photos showing the signs were over two years old and not what were in place when my alleged parking offence took place. The Arbitrator dismissed these facts and still rejected my appeal and asked me to pay the charge within 14 days. I informed the Parking Management Company that I did not accept the decision of the IAS and the reasons why. I stated that I would not be paying the charge and requested that they followed the correct legal process and take me to court and not waste time and money passing this onto a debt recovery company. My letters, including to the MD were ignored and the charge was increased to £160, to cover admin charges. I heard nothing for four months then out of the blue I received a letter from a Debt Recovery company asking for the £160 to be paid. I have denied the debt, and asked them to ask their client to take me to court, so that this can be decided fairly. Their response states if the account remains unpaid it will progress to the legal stage and be passed to the solicitors. I would welcome further advice to what I have already received. This situation has been very upsetting and stressful for my family and I, especially when I am an honest, law abiding citizen, who has not committed any parking offences before. In the meantime, roll on the passing of the Private Parking Bill!
  2. I am due to road tax refund but received this message on my phone. It seems a bit suspect. Has anyone else had this message. Many thanks for any adivce! LT
  3. Took a loan out 9 years ago with welcome finance for £2000 got into difficulty paying it back so stopped payments, now 9 years on and 6 addresses later ive just had a letter at my current address from my local county court summon to appear before a court sheriff and demanding me to take a million documents, of which some i just cant get, its impossible. Now i have been in touch with step change debt charity regarding my debts and at present my outgoings are £230 a month more than my incoming and this is on basic living, i cant cut back anywhere. Stepchange also told me that a CCJ was issued against me from Welcome finance in january 2013 and this local county court letter summons was to see if i could pay it all back, but obviously i cant. What worries me more is the list of documents the county court has asked to see, its huge, and half of it i dont have access too, and the other half ive probably thrown away throughout the years. Really nervous what to expect to happen at county court. At the time i took the loan with best intentions, It was a unsecured loan, but when i got in to difficulty i done the cut and run, and 9 years later i have a county court appearance to look forward too, great.
  4. Hi All, just wanted your opinions on this please. A local takeaway owner applied to the Local Authority for a commercial waste bin. Eventually he got one but it took a month to get it. In the meantime, two other shops allowed him to put his rubbish in their commercial bins until his was delivered. Soon after getting his bin, he was contacted by the Local Authority in which they accused him of fly-tipping as one black bag of his rubbish had been found on a local nature reserve with details of his shop inside. He says that he cannot understand how only one bag was put there as when he used the other shops bins he always put 10 to 15 bags in the bins and the other shops are very close to him whereas the nature reserve is about 5 miles away? I would like to know if he is legally entitled to use the other shops bins thereby quelling any fears of prosecution for fly-tipping? The other two shop owners are quite happy to say they allowed him to use their bins Until he got his own but only if there is no threat of prosecution to them. Any ideas? Thanks all.
  5. Apparently, the ex-PM is thinking of returning to politics. Labour MPs don't seem to agree with him, unsurprisingly. Given how he dropped the country having said he would steer it through Brexit, can he be trusted now? https://www.theguardian.com/politics/2018/nov/02/david-camerons-rumoured-return-to-politics-dismays-labour-mps
  6. Hello, I was completing a credit check after being refused to get a specific type of finance and to my horror I found out I had been issued a CCJ on the 2/10/18. After ringing Northampton they informed me that the CCJ was issued over a parking ticket issued on the 30/01/17 by JD parking. correspondence to do with this had been sent to a previous address, and even when I was living at this address at the time of the alleged incident I never received any letters about receiving a parking ticket. Now the location that this occurred was at my friends flat where he has a parking permit that was in my car at the time. I have received the evidence from JD parking's solicitors and there are a few reasons why I think their evidence is not credible, firstly the photo of the windscreen is not a full photo and has clearly been taken to omit the parking permit from the photo, the timestamps on the photos have also clearly been manipulated and added after they were taken - the timestamps state it is 22:45 yet in the photo you can tell it is the middle of the day, not that the time makes a difference to being allow to park there it just shows they are not credible. (if anyone wishes to see the photos I am more than happy to share them). I am on the electoral role and I pay council tax and many other utility bills so I feel like they have not even tried to find me in my absence of a reply and just let it all happen. I know I need to fill out a N244 form but I need help to make sure I complete all the sections correctly and that I have a strong chance of being awarded with it being set aside My hopes is that I can get the money for the N244 for back from either JD parking or their solicitor and also having their claim thrown out for being absolutely false. After reading the guide on this site I should also contact JD parking and ask for their consent to set aside? this seems bizarre because they are surely going to say no? I am looking to be applying for a mortgage in the next few years and fear that this will seriously affect my chances of being successful, so thank you for all and any help. This is a template letter I am going to email to JD Parking to get their consent to set aside the default judgement. "Dear JD Parking, Reference: Claim xxxxxxxxx JD Parking v xxxxxxxx Your Reference: parking ticket ref from POC I have recently become aware of a County Court Judgment in Default obtained by yourselves/your client on 2nd October 2018 for an alleged private parking charge from 30/01/2014 for Vehicle Registration xxxx xxx. I am writing to request JD Parking/your client consent to set-aside the Judgement. I am currently drafting my formal application to the court to request the judgement be set-aside pursuant to CPR 13.3 for the following reasons; 1) According to your Particulars of Claim in the case the alleged incident took place on 30/01/2017. At this time, DVLA records would show that the vehicle xxxx xxx, was registered at my current address, with myself as the registered keeper. 2) I have never received any communication from JD Parking and was entirely unaware of any Private Parking Charge being made against my vehicle until finding the CCJ registered against me when checking my credit file, and obtaining copies of the original claim and judgement document from the court. 3) After reviewing the evidence received from your solicitor it is clear that I should not have been issued with a private parking charge, I had a permit to park where I did but that was blatantly omitted from the photo taken of my car parked in the bay. The time stamps have also been manipulated and added on after the photos were taken, there is no seconds displayed and the time stamps state it to be 22:45 which is clearly wrong as it is broad day light outside, this proves your evidence is not credible enough to have served me with this private parking charge. According to publicly available information my circumstances are far from being unique. The industry’s persistent failure to use correct and current addresses results is an unnecessary burden for individuals and the justice system across the country. This is a topical issue: I note that the Justice Minister The Rt Hon Sir Oliver Heald QC MP announced on the 23rd December 2016 a consultation and information campaign to help protect consumers from debt claims. The consultation will look at ways to; better protect consumers who are sent mail to inaccurate addresses and verify addresses again before a claim is sent. The Minister added that In the digital age, we must ensure companies pursuing unpaid debts make every reasonable effort to contact individuals, rather than simply relying on a letter to an old address. I therefore request you/your client consents to set-aside the judgement and provides me with all documentation / information relating to the original parking charge so that I may consider my position. Had I received the original charge it is likely it would have been settled immediately. You will be aware that this application without consent will cost a £255 court fee. As it is your/your clients failure to take reasonable care that any letters and the subsequent court claim were issued to the correct address I will be asking the court to order you/your client pay the costs of the application along with any further costs allowed by the court. I look forward to hearing from you/your client within 7 days after which time I shall be submitting my application to the courts. Yours sincerely xxxxxxxxxxxxx"
  7. Hi all There is a CAG wiki link https://www.consumeractiongroup.co.uk/forum/showthread.php?296108-Hot-news-for-anyone-who-has-suffered-mortgage-arrears-charges-irresponsible-lending-or-other-unfair-lender-conduct Has this been updated since 2011 please Thanks
  8. Good morning all, Please could anyone advise if this is an enforceable CCA - received from Lowells for a Vanquis credit card. They've added a sticker with a company reps signature over the date with my signature, which is oddly located - I always sign squarely in the centre of any box. Plus are the elements all correct as I have looked but just not sure. Many thanks in advance.
  9. New flu vaccine available this winter for those aged 65 and over READ MORE HERE: https://www.gov.uk/government/news/new-flu-vaccine-available-this-winter-for-those-aged-65-and-over
  10. Hello all. I am hoping that I can receive some useful advice from some of you on this forum, and I thank you in advance for any assistance you can provide. I have recently been sent a PCN for parking in a pub car park. The letter states that I had been sent the PCN because "Whole Period of Parking Not Paid For" to which I was confused, as I had purchased a ticket to cover my stay whilst eating at the pub. I appealed the PCN (issued by Premier Park) via their online facility stating that I had paid for parking and that I believed I had paid for two hours duration. My appeal was subsequently rejected, and Premier Park now stated that the reason I was being charged was because I had not paid sufficient costs to cover the period of my stay; I had only paid for one hours parking not two as I thought, and therefore had overstayed my time by 21 minutes. Understandably, I am annoyed but essentially, it was my error, I should have checked the time paid for on my ticket but I was in a rush as late for the occasion. However, Premier Park had also made an error sending out the first letter stating that I had not paid at all. I have contacted the pub that I stayed at (The Railway Tavern in East Grinstead) to ask if they can help on my behalf as Premier Park must be operating on the pubs behalf, but they are not exactly forthcoming in intervening. Also of interest, the address shown on the letter for where I became liable for a PCN is not quite the same as the car park where I incurred the PCN. If one types in the address on the letter, it indicates a car park in a different area on the other side of the road, some 400 yards from where I stayed. Where do I stand on this, do I pay them or can I ignore the letter even though accidentally I had not paid the full amount? Additional Information 1 Date of the infringement: 23rd October 2018 2 Date on the NTK: 30th October 2018 3 Date received: Not sure, 1st or 2nd November 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? YES 5 Is there any photographic evidence of the event? YES 6 Have you appealed? YES, but I don’t have a copy at present. Have you had a response? YES. 7 Who is the parking company? Premier Park 8. Where exactly: Railway Approach Car Park, East Grinstead, RH19 1EP For either option, does it say which appeals body they operate under. Yes, they operate under the BPA Here is a copy of Premier Parks response to my online appeal: Dear Mr **** Thank you for your appeal against the above Parking Charge Notice (PCN). We have carefully considered your appeal, however on this occasion the appeal has been rejected for the following reason; Your vehicle overstayed your paid parking period by 21 minutes You have now reached the end of our internal appeals procedure and therefore you now have two options; You can pay the total amount due as shown above via the following payment options; Call us on: 01302 513232 Pay online: Send a postal order: Premier Park Ltd, PO Box 624, Exeter, EX1 9JG You can appeal to an Independent Appeals Service, POPLA (Parking on Private Land Appeals) using the POPLA reference code provided above. Please note, should you decide to appeal to POPLA and your appeal is subsequently rejected or you withdraw your appeal, the option to pay a discounted amount will no longer be available and the full amount of the PCN will become due. If you decide to appeal to POPLA, you will need to visit their website, where further details of how to appeal (either online or by downloading the relevant forms) can be found. If you are unable to access their website, please call us for further information on how to obtain the forms. Please ensure your POPLA Reference Number, as noted above, is quoted on all correspondence to POPLA. You have 28 days from the date of this letter to submit an appeal to POPLA. If you appeal to POPLA we will suspend recovery activity on the PCN and the charge will not increase until the appeal has been determined. By law we are also required to inform you that Ombudsman Services provides an alternative dispute resolution service that would be competent to deal with your appeal. However, we have not chosen to participate in their alternative dispute resolution service. As such should you wish to appeal then you must do so to POPLA, as explained above. If you do not make payment or submit an appeal to POPLA within the relevant timeframe, the outstanding PCN may be passed to our appointed debt collection agency for further action. All costs associated with this process will be added to the amount outstanding. IMPORTANT INFORMATION Unless any additional relevant information or facts are provided, Premier Park Ltd considers this to be their final decision regarding this appeal. Please note that all payments are subject to a 50p administration charge. This message was sent from an unmonitored e-mail address. Please do not reply to this message. GDPR – to view how we use and process your data and your rights, including how to object or restrict such use, please see our privacy policy available online at
  11. Hi all. My mother has received the attached from Arrow. It purports to be for an over payment on a former debt which has been cleared some time ago. I can confirm that the debt did exist. I'm just querying whether this is legit and not some sort of phishing exercise. If it is legit could you advise on next steps? Many thanks in advance. DD Wales
  12. Advice Needed. Please, this questions could have bee raised already but I am facing a nightmare here. To make this very brief, I sent 8000 from my personal bank account with another bank and also 6800 from my small business account to a newly opened Barclays bank account totaling 14800. both money was sent from my own bank account with the same bank. two weeks afterwards, being 25th August , past bank holiday, me and my spouse where at both at our local Barclays bank to withdraw 7500 but was turned down after waiting 1 hour and said my account has been blocked and suddenly under review. since then we have been tormented and could not collect funds carry out plans marriage plans or make payment to vendors. I made a formal ,complain about this and today received a call to say that the account is now closed for fraud and our funds is held be Barclays. the guy i spoke to was terrible blunt and rude and that I should call the account closing team to know if I can get my Money back. The funds i deposited in Barclays £8000 came from my own account, savings over the years, cleaning, freelancing and **** packing. the 6800 was from my business account. totally 14800. Now Barclays said that they have held my money and to provide proof of it. what does proof of the money means? has anyone heard of this type of thing before, I hope I am describing this correctly for easy understanding, this is what has Happened to me. Advise needed.
  13. My GP has said I'm fit to return to work and has signed a sick note to this effect, but my employer's OH doctor recommends my employer commissions a report from a neuro psychologist prior to any return. As I'm fit to return I do not believe I should have to take any delay as annual leave and it can't be classed as sick leave, as I'm considered fit to work. What is the solution? Would this be "garden" leave?
  14. Hi all, My partner and I moved into a private let property on 15th September 2017. We paid a months rent and deposit upfront. We then paid a months rent on 1st October and continued paying the 1st of every month since then. We were given two months eviction notice on 15th July 2018 as the landlord is selling the property. The estate agent has told us we owe rent until the 15th September and that we must pay half a months rent on 1st September. In my mind, we have already covered this payment by paying for a full months rent half way through the month the year previous. Is this right?
  15. Hi everybody. Love this forum and thank you so much in advance for any help. I've tried my best to dig deep here and elsewhere as to make this as easy as possible for you to advise on. A bailiff took my car this morning for an unpaid moving traffic PCN with an overall fee of £513 for release. The PCN was sent to my old address days before I moved house. I appealed from the new address (putting my new address on the form) and followed up via email (again informing of my new address) to ask the status of the appeal and received no correspondence. I updated my driving licence with the DVLA days after the move but – as seems common on this forum – not my V5C (which I have done now just two weeks ago but not at the time of the PCN or subsequent appeal in October 2017). I have downloaded the PE2 and PE3 forms to take to Barnet County Court tomorrow morning (I booked an appointment for 10am) to have witnessed and then sent to TEC. I would love any feedback on the below proposed PE2 statement for "reasons" and also any insight as to what might happen next. Does it look all right? I was half tempted to pay the £513 as I use the car a lot and it is of great inconvenience and obviously I wouldn't like it sold. I gather regaining the funds (if I'm entitled to them and if the appeal is successful) is quite lengthy. Any idea how long it might take to regain the vehicle with the PE2 and PE3 process? Do you think it likely the PE2 reasons are satisfactory or do I not really have a case and should just pay up? Thanks so much for taking the time to read this and for your help! "Dear Sir/Madam, I have been unable to submit a statutory declaration in the normal time allowed because I did not receive a rejection notice and was unaware the PCN appeal had not been accepted until 31/07/2018 when bailiffs removed my vehicle. I made representations about PCN xxxxxx within the 28 days of the penalty charge notice (on 11/10/2017) but did not receive a rejection notice. I made the representation after moving house from xxxxxxx to xxxxxxx on 30/09/2017. I have attached my tenancy agreement as evidence. On my appeal document I stated my new address (xxxxxxxx). I also updated my driving licence with my change of address with the DVLA on 4/10/2017 shortly after moving. I have attached the updated driving licence as evidence. Additionally, I contacted Barnet council twice requesting an update on the appeal and informing them of my change of address (I have attached screenshots of these emails). Unfortunately, it seems that the relevant statutory documents were issued and delivered to my previous address. Had I received a rejection notice – or any other correspondence regarding this matter – I would have accepted the rejection of the appeal and not hesitated to pay the balance requested in a timely fashion. I look forward to the opportunity of addressing and settling this matter of the original PCN. I politely request this time and consideration on the grounds that my original representation included the new address of xxxxxxxxx, that I did not receive a rejection notice and was unaware of this situation until 31/07/2018. I enclose copies of my tenancy agreement, driving licence, v5c logbook and emails. Thank you kindly, "
  16. Hello all. Firstly, as a first time poster I just want to say how useful this forum is, so I’m hoping you’ll be able to help me out too. I was recently stopped by a Southern Rail inspector. I was travelling on a packed commuter train and (although many of you might think this is an excuse) I suffer from really bad foot pain, which I have been to the doctors about, and sat in first class as I was in real pain. In hindsight, I shouldn’t have done it. I should have asked someone to get up for me, but being a young guy I doubt people would have taken me seriously. I spoke with the conductor who made me feel out a ‘witness statement’ I gave my name, full address, phone number and then she handed it to one of he colleagues who completed the process. He was a nice guy. He told me not to worry and that they would send me a letter in the post asking for a fine. But he didn’t ask me to pay anything there and then, he said I had to wait until the letter comes through. I later revealed some kind of gold badge and asked me a few questions which I answered truthfully. He said not to worry and that this was only ‘civil’ and that I would 100% just get a fine. I’m not a fare dodger and never sit in first class barring this one time. What should I expect? Just a fine? A court summons? Once again, thanks for all your help/advice.
  17. Hello all. Excuse me if this is a really silly query but I have been chatting to someone at work who told me this might not be allowed so am asking here in case I need to take it further. My employer has a sickness policy where sickness is counted in a 12 month rolling period. However, is it allowed to count 1 time of sickness twice? My employer states 3 absences (or a total fo 60 hours) triggers a "stage". This happened to me, I was off for 3 different times with sickness, the last date being 06/02/2017 - this triggered a "stage 1". Then I was off sick in September and again in December 2017. My sickness in December then triggered a "stage 2", this is because my sickness in Feb 2017 was being counted against me again. Is it allowed that they can count 1 period of sickness against me twice? punish me twice? know the policy is a 12 month rolling period but I've been told that it doesn't sound right that the 1 period of sickness I had in Feb 2017 has caused a trigger twice. Just want to put the feelers out there to see if this policy is fine or if I can take it further at all because the stage 2 I am on has cost me a promotion and an end of year bonus. If this is fine I will gladly accept it as it is what it is.
  18. Hello all, Mods please move if in the wrong section? About 8 years ago I had a Debt Relief order against me. I've recently decided to contact all the financial companies I had dealings with and see if I was miss sold PPI any form? I have had Barclays admit they mis sold PPI and compensate me £1075 Hsbc I've not had a reply from yet? However capitol one have stated that they are making a redress payment to me of £ 60:45. Today I got a letter from capitol one saying that they have refunded the full amount and that it was Added to my account to reduce the debt owed to capitol one .....? Can they do that? I thought the debt was written off when I got a DRO ? Any advice appreciated
  19. This is a picture of something growing which has sprung up in a pot we planted an olive tree in and we didn't plant it. It grows at a grand rate of knots and what you see has grown in about 2-3 weeks. Anyone know what it is and what I ought to do with it? Will it flower? spread like knot-weed? eat someone? What? Thanks
  20. I'm abroad and my mom is senile. She said she found a very nice old gentlemen that has been running errands for her. She has a few properties that she rents out. The guy managed to find my mom(landlord) through city council or land registry. Not sure. I think she said the guy was looking for some investments. Then today I finally got his email address and decided to google him. http://www.federalmanagement.co.uk/add-news/st-albans-director-disqualified-after-diverting-500000/ Is this something to be concern? I don't quite fully understand it. But it seems like the company borrowed money from the bank but he didn't pay the bank off when he made 500k from it. Plus the money seems to be funneled somewhere else? edit: not sure why the topic was changed. But original was : "This guy is probably [problem]ming my mom?"
  21. I received a telephone call today from an agency that I had never heard of before and they want me to start soon at company b. I haven't applied for any jobs with this agency previously though and not sure how they got my phone number etc. Also can an agency send details of a company by text message to your phone ?
  22. Hi peeps Sainsbury’s / Lloyd’s cca sent back. I won’t scan the rest up ( I don’t think I need too ) it’s just freshly printed reconstituted version. This defaulted back in 2009 Card was WELL before 2007 I guess it’s just Bog roll ? They sent back the cca postal order (£1) Thanks everyone Scan 19 May 18 R.pdf
  23. Not sure where to post this so will try here. I was expecting a time sensitive document to be sent to me by the 28th of this month and it still hasnt arrived. The company sending it claimed it was printed and posted 1st class on the 29th and therfore they had complied with the requirements to issue document. Now, can I use the GDPR to ask for a copy of the metadata for this document to see if it was indeed sent out in time ( should show date doc created and then printed) as this solely relates to that document and can identify the document as being my data when it is processed so not anonymous or general. If so how should the data be sent as the old DPA stated it should be legible and easily understood or notes of explanation included. Your opinions please
  24. In Oct 2009, my ex-husband signed a personal guarantee to cover an existing business overdraft of £140k for the right to borrow £60k more from NatWest which the bank knew was due to pay credit card demands. The overdraft was totally unsecured before that. His business had clearly been failing for some time and they pressurised him to secure their previously unsecured lending. It was an extremely stupid decision on his part but we now know that he was succumbing to mental illness, from which he has never recovered. He broke down at the signing of the PG and was clearly in no fit state to make any decisions. I have copies of his emails to the bank saying that he considered that he had been co-erced into signing. I am now losing my home to a bankruptcy trustee who cites this PG as the major debt and is forcing a sale of my home. I also lost my husband, of course. Here is my question - the bank pre-prepared all the documentation including legal advice waiver and minutes of company meetings which didn't exist. They wrote the PG in our joint names. I was never told about it and was never advised to get legal advice etc. NatWest has admitted that they knew I would object to my home being formally taken as security. The place for my signature was struck through, although my name on the document was not erased, and the PG was processed. Some days later, the bank bounced a payment to a major supplier which probably put the final nail in the coffin of the business. They apologised but the damage had been done. Apparently, several weeks later they signed new documents just in his name, but the PG was already underway by then. I didn't know about the PG until June 2010, when it was too late, and I didn't know that the original PG had my name on it until a year later, when I found the paperwork. Can I contest the validity of the PG? Is what they have done strictly legal?
  25. I am a primary school teacher (year 6) and don't let children go to the toilet during lesson time.
×
×
  • Create New...