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About Me


Found 11 results

  1. Synopsis Public Sector temporary employee suffered loss of income due to Sector restructure. Background Lloyds loan taken out November 2008 for £7.5k for 7 years. Failed to make repayments from January 2011. Default August 2011. The debt has been round the usual houses: SCM -> MHA -> Moorcroft-> Iqor-> Robinson Way->Horwich Farrelly->MacKenzie Hall->Arrow Global Ltd->Debt Managers-> Rockwell-> Moorcroft-> Westcot->Arrow Global Ltd/Restons. No communication entered into with any. Claim On 8th May 2017 Arrow Global Ltd issued N1 against me
  2. This doesn't relate to a specific case, but may be helpful to the many people defending claims in court. If POFA is not followed to the letter, the only party that can be the lawful defendant is the Driver. While I understand the need to refer to the Registered Keeper in the third person in all communication with the PPC and their lawyer of choice, so you don't negate the protection you have under POFA, how far are you permitted to go in court to deny that you WERE the driver? There was a case on here just last week where a judge required the defendant to state whether he/she w
  3. I am trying to decide whether to claim carer's allowance or income support. I intend to become a carer for my mother who gets attendance allowance. I am 50 and claiming income based JSA. I live with my mother in a council house.
  4. Evening ladies and gents. Got a few questions that's being introduced at our place. Essentially it's a 4 on, 4 off 12 hour pattern, equating to 1932 hours per year, plus we owe 13 shifts so it's 2088 hours. So at 2088 hours the legal entitlement is 252 hours or 21 shifts holiday, which they are giving us, however, this is where it's getting a bit 'grey', we are given the 21 shift allowance, but we also have to cover an additional 21 shifts, essentially making it shift 'swaps' as opposed to holidays, which in turn means our yearly hours are now at 2340 hours with effectively no
  5. Six year old Annie returns home from school and says that today she had her first family planning lesson at school. Her mother, very interested, asks: "Oh... How did it go" "I nearly died of shame!" she answers. "Sam from down the street says the stork brings babies. Sally next door said you can buy babies at the orphanage. Pete in my class says you can buy babies at the hospital." Her mother answers laughingly, "But that is no reason to be ashamed." "No... but I can't tell them that we were so poor that you and daddy had to make me yourselves!"
  6. My father had a £5,000 alleged debt bought outright by Equidebt some years back, who didn't seem too bad as debt collectors go, though others may of course have had different experiences. Before Equidebt bought it it was last with Intrum Justitia, acting as Cahoot agents 'from memory', and with a couple of other Cahoot agents before that I think. He sent one of the early mobs a CCA request with the £1 fee asking for proof of the alleged debt, copy retained and sent recorded delivery, and they sneakily recorded the £1 fee as a payment towards the alleged debt. He then wrote them a lette
  7. Hi guys, Thanks in advance for all your help over the years, I don't think I have ever posted but have managed to sort things just fine by searching the forums. What an amazing site! Thank you. I have had 2 debts with Lloyds for a number of years now, 2 loans taken out to help me set up my own business. When my business fell upon hard times, Lloyds refused to help and told me that my PPI didn't cover me if I was self employed, unless I dissolved the business. Customers to my business were few and far between at the time but dissolving the business would have been fruitless, I was just
  8. I was with the AA for years, no problems, but switched to RAC. I called them three days ago, because of a problem, and I only got the tyre replaced tonight. They seem to have contracted a lot of their work out to local garages. Anyone know any different?
  9. Slightly unusual question here- my daughter had a minor bump that caused no damage as she rolled into the car in front of her in a queue of traffic. Exchanged details with other driver and expected him to bill her for possible scratches that couldnt be seen. However, 4 months later gets a CC summons for £770 for replacement bumper and other parts that were unmarked. Now, knowing about enginering and physics I worked out the speed needed to cause the damage claimed needed to be at least 5 times greater than the speed she was going and given the strength of the materials cars are made of it i
  10. I wrote to HSBC to ask for details pertaining to a loan I had with them. The sticky details are: * the loan was over 6 years ago. * it was a former account number, but I've remained a customer. * I do not have any details or paperwork. I do, however, vividly recall being told by an advisor who I remember by name that 'it'll only go through with insurance'. Anyhow, HSBC have written back fairly promptly with the over 6 years jobby. Is it worth sending and SAR, since I've already 'politely' asked for details? I know there's a solid justified claim for a number of thousand
  11. Have finally got my data after Sar-ing them and having to threaten them with a little court action after mucking me about. Totted everything up and did a little reading around on here. I've had a break from things due to getting married and that kind of took over my life for a while. But I am back to this with a renewed energy! So it would appear that Cap One have won a few cases in court recently regarding credit card charges and people claiming Compound interest. Now the Compound interest at the time of my CC was 34.9% (I actually can't believe I went for a CC with an APR of
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