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Found 14 results

  1. Around 18 months ago i agreed to a three year Landline and Internet contract with True Telecom, which i soon regretted , The internet was weak and the lower prices that i was assured were not to be ( read the small print i suppose ). A few months ago i saw a direct debit set up on my account from Chess Ltd ?. I looked them up and asked who are you ? I was told that Chess had taken over the service from True Telecom. I noticed the service prices going up, yet we hardly use the landline and had the same weak internet router and service. A couple of weeks ago i got a call from a broker who offered me a deal with one of the big providers for around a third of the cost and much better internet and i agreed. A few days later i received a letter from Chess regarding the switch of service informing me of an early termination fee of over £400 pounds. I contacted Chess telling their representive that i dont have any agreement with Chess and was told that Chess purchased the account and i would owe the amount, I was then offered a deal of cheaper service though not as low as the amount on offer through the broker and a new 18 month contract with Chess which was not on with me. The new provider took over yesterday, We now have much better broadband and the phone is ok. Do i need to pay Chess at all and if so as much as over £400 pounds and if so can i pay instalments ?. All advice welcome folks.
  2. This is good news for anyone who has had trouble with True Telecom in the past. Ofcom have penalised True Telecom to the tune of £300,000 and told to improve its service. More Info HERE
  3. http://www.theatlantic.com/international/archive/2016/09/cost-wars-iraq-afghanistan/499007/ Sounds like the USA are handing debt to several generations in the sum of $4.8 trillion
  4. Hi guys, not posted here for a while - he - he. I'm currently in an ongoing dispute with Lowell / Lowell Solicitors and awaiting a copy of a CCA (after default, dang). However, I've just received the attached form. Does it look legit or do you believe it to be another one of their ploys? (sorry about the image, the scanner went ka-plunk). I've seen a few online and they look a little different, I might add the crest and stamp look a little 'faded'. Also, if it was real, would it appear on https://www.moneyclaim.gov.uk/? Thanks, Rob
  5. Apparently, according to a friend, you can get divorced for £60. This is apparently what her parents did. My husband and I want a divorce, there is no dispute, we don't want to fight about it, we've been separated for a while and have both met someone else. What is the cheapest and easiest way of getting a divorce? I have a form printed off the internet "Application for a decree nisi/conditional order or (judicial) separation devree/order) - it's just one page and theres the option for "undefended case" which is what seems to be the right option for us. Any advice gratefully received.
  6. Hello, I'd be grateful for any advice on the following; I made payments to Lowell via standing order and have been informed by them that I have now overpaid. I requested they refund the overpayment to a bank account and received the following response: "Unfortunately we are unable to refund straight into a bank account. If you are not wanting to transfer the over payment to another account [they now tell me I have one other open account with them] you would need to speak to your bank and complete an Indemnity Claim. This will allow you bank to pull back the funds into your account. " I've never heard of this before and any overpayments - including standing orders - have just been refunded. Has anyone come across this before? Thanks in advance.
  7. Hello My neighbour's son tried to retrieve is dole money, he was told, because he is doing community service at the moment, his money will be stopped until he finishes his time doing CS. Is this right? Thanks
  8. A Selection Of Especially Stupid Sanctions - article dated July 2013 You can read much more by following the link.... http://birminghamagainstthecuts.wordpress.com/2013/07/13/a-selection-of-especially-stupid-sanctions/
  9. Hi folks, recently received a letter from m4rlin Financial Services confirming they had supplied me with a "true copy" of my CCA request. The wording of the letter is such "We can confirm that under the Consumer Credit Regulations of 1983, as permitted by these regulations, the copy of the agreement that was provided was a "true" copy reproducing the original terms and format of your agreement, but omitting signature boxes and signatures, as a matter of law the documents we provided previously constitue a "true copy" of the executed agreement along with the supplied terms and codition. We have provide the documents required by law, and therefore do not consider there to be a dispute of the debt and request you contact us to arrange payment. My previous letters stated the account was in dispute and would remain so until they supplied a copy of the original paperwork. What has actually been sent is a copy/paste of the current T&Cs Am i correct in saying they MUST supply a "True copy" of the original application? What respone, if any do i send back to them? I had considered the text below I note that you have replied to the above by sending your companies current Terms and conditions. I must inform you that this is not sufficient to comply with the request and that your company is still in default under the act. To clarify, just sending the Terms and Conditions is a breach of the Act and Regulations as, apart from the information that the Regulations provide that you may exclude, the copy must be a “true copy” of the agreement. This breach of the agreement can be demonstrated as follows; as you will know section 180(1) (b) authorises, “the omission from a copy of certain material from the original, or the inclusion of certain material in condensed form.” This refers to statutory instruments made under the heading Copies of document regulations and in this care in particular to SI 1983/1557. Before leaving section 180 there are two other sections that should be remembered these are: Section 2(2) (a) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not satisfied unless the copy supplied is in the prescribed form and conforms to the prescribed requirements; And more importantly Section 2(b) A duty imposed by any provision of this Act (except section 35) to supply a copy of any document is not infringed by the omission of any material, or its inclusion in condensed form, if that is authorised by regulations. You will see that this quite clearly states that whilst certain items may be left out of the copy document the rest of the document must be in the form and contain all items as prescribed by the regulations. Turning to the regulations regarding what may be omitted from these copies these are contained with SI 1983/1557. The regulations state: (2) There may be omitted from any such copy- (a) any information included in an executed agreement, security instrument or other document relating to the debtor, hirer or surety or included for the use of the creditor or owner only which is not required to be included therein by the Act or any Regulations there under as to the form and content of the document of which it is a copy; (b) any signature box, signature or date of signature (other than, in the case of a copy of a cancellable executed agreement delivered to the debtor under section 63(1) of the Act, the date of signature by the debtor of an agreement to which section 68(b) of the Act applies); It is quite clear what can be omitted from the copy document, this again asserts that all other details of the agreement should presented in form and content as required by the regulations. The requirements of the Agreement regulations 1983/1553 are very explicit in describing the form and content of an agreement and this as I have demonstrated also applies to the copy of any such agreement with the above mentioned proviso. Nowhere within these regulations does it state that part of the agreement can be presented on a separate document headed terms and conditions. It does state that all terms and conditions should be within the agreement document and is explicit of the form in which it is presented. I hope this explains why your reply was unacceptable I await a True copy of my agreement and would remind you again that whilst the request has not been complied with the default continues. In either case, please confirm that you have, in your possession, a credit agreement that is in all ways fully compliant with the Consumer Credit at 1974, as amended, and the subsequent regulations made there under. For the avoidance of doubt, if you are in possession of such a document, but are unable to supply me with a true copy of it, please outline your reasons why you are unable to supply it to me in your reply. Further more, I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as I have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed. Obviously if the agreement is improperly executed I would be entitled to ask the Court to consider the agreement and make a declaration of the rights of parties to the agreement. (s.142 (1) Consumer Credit Act 1974) I must stress this part of my request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the Civil Procedure Rules ( Pre action protocols and Part 31.16) and therefore an unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document. I do not view this as an unreasonable request given that by supplying the document which I have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides I look forward to your reply and would ask for a response by XXX
  10. Good Evening, I sent a CCA request to Natwest in January in regards to a loan I took out in 2005. I was under the impression that the loan was initially for 5,000 and being very young and silly I couldn't cope so ended up going through a DMP and paying monthly payments until Jan of this year. However, when I closed my DMP they sent me a statement saying that I still owed Natwest almost £9000. Natwest have played their usual games so far, demanding a supply a signature etc and eventually providing me with a "true copy" which states that the loan was for 10,000, my address spelt completely incorrectly and my signature was nowhere to be seen. I have since put the account in dispute but they have passed the debt on to Westcott and are claiming they have complied with the CCA request as they don't need to provide a signed copy???? Can anybody help with my next steps? Thanks in advance
  11. The dwp are rolling out nationally an initiative to work with 120k families whose lives are blighted by joblessness, single parents, crime and truancy. We have specially trained personnel to work closely with them to break these harmful trends and integrate them into society, improve their lives and make working the preferred options. Story http://unemploymentmovement.com/forum/benefit/5358-from-dpac-we-just-had-this-to-the-inbox
  12. I have just had a phone call from my son who has a dispute with Lloyds bank. He has a debt that is more than six years old , but the bank has told him that a debt is now statute barred after TEN YEARS and not six. Is this true , and if it is , why haven't we heard about it before ???
  13. hey there everyone. i have put a cca request to arc europe ltd about a debt to la fitness fot a gym membership. they sent back a copy of the terms and conditions and a credit agreement form sign by me 4 times. the thing is though, i only signed one time and it was using an electronic touch screen so the signature is more of a scribble. it is very obvious that the credit agreement signed by me has been copied and pasted from the original electronicl document onto this credit template letter thing. can they use my signature four times even though i only signed once? i can remember as clear as anything. could anyone tell me what is meant by a true signature? arc europe ltd say to me that the cca has been fulfilled and the amount is due but i do not agree with them as i only signed once and it seems so obviously tempered with. can i do this?
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