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About Me


  1. Since Mrs Sev was diagnosed with Lewy Bodies Disease, I managed to get all her debt written off by the various DCA's that had been hounding her since her fortunes turned for the worse. It was a long fight and in the end we got there, thanks to this forum it's community and the infinite patience of the likes of dx100uk. I am in the process of going through old paperwork with a view on trying to recover as much as I can for her to help contribute towards her ongoing care. I have found old paperwork for the following: Barclaycard Visa and Mastercard Co-OP Visa Capital One Vi
  2. For anyone facing court action regarding this car park, be advised that Excel parking is deemed to be the Creditor .. the legal entity entitled to enforce parking charges and legal action. Excel have a contract with the landowner. Any legal action launched by VCS is not relevant in law as they have no contract with landowner and are not the Creditor. They are a separate legal entity. If you are facing court action from VCS use this as your defence.
  3. Women winning battles: Recreating the Wrens unit which helped win the War READ MORE HERE: https://www.gov.uk/government/news/women-winning-battles-recreating-the-wrens-unit-which-helped-win-the-war
  4. Hi.. Sent a SAR request last week to Lowell for a Vanquis CC debt and Halifax loan . Got a letter back today to say they have received and sending all paperwork from when they purchased the debts but if I require anything before that i need to SAR the OC. Surely as the supposed owner of the debt they should contact the OC or have all original paperwork such as statements etc sent to them once purchased ..or do I indeed have to contact OC ? Wanted to check before I send a curt reply letter back to Lowell
  5. Need a bit of advice here for a friend who cannot afford a solicitor. Quick run down. Friends is a masseuse, working in many different areas including hot stone massage. She is very professional and has done many years in training for what she covers. A client has decided to sue her using one of these no win no fee companies and has lied stating that my friend didnt get her to sign a disclaimer etc, well I know for a fact she had signed and she has the paperwork to prove it. Now this client has stated that she had a torn ligament from this hot stone massage, now if anyo
  6. In short, my child was involved in an accident on a bus when with the mother resulting in a moderate injury to the child. Mother decides to go and see a no win no fee solicitor to see what they think, for which they are willing to take the case on. A load of confusing paperwork has turned up including the Conditional Fee Agreement (CFA). In short the CFA states what IS covered under the agreement is: claim for damages, any application for pre-action or non party disclosure, any appeal by opponent, any appeal against an interim order or an assessment of costs, any proceedings to enforce
  7. One of my family has taken out an inheritance claim against a will that left him already a substantial amount, he has slight brain damage but manages to take holidays abroad, gamble, drink and play golf a lot. He claims he was maintained when in reality he borrowed money off most of the family and didnt pay it back, he wants the entire estate. His entire statement is a web of deceit, he has exaggerated his health problems, not submitted any financial outgoings or medical records and yet STILL we are paying to defend this, which is costing us ££thousands. How does the legal s
  8. My wife had an accident at York Designer Outlet tripping over a raised platform and landing on her right arm fracturing her shoulder. Ended up having to get an ambulance and go to York Hospital. She had first aid treatment and they were pretty quick to come over and get an ambulance. although while trying to establish the facts they did seem to get a little pushy on putting blame onto my wife. She brought food over for my daughter facing me to talk about our food. the seating was next to the raised platform and as she turned to walk didn't see the floor was higher than the rest and t
  9. National Minimum Wage: Workers win £2m compensation READ MORE HERE: http://www.bbc.co.uk/news/business-40952205
  10. I think this is the right place for this. Please move if not. http://www.independent.co.uk/news/education/education-news/pay-deductions-teachers-supreme-court-ruling-strike-precedent-a7753991.html
  11. A work colleague received a pcn from ukpc ltd for parking on a kerb on private land where he lives. I drafted a letter of appeal for him to ukpc ltd, as if it was the colleague drafting it, stating that ,I have a parking permit and so am entitled to park up on the premises. The fact that all the parking bays were taken on a first come first served basis has no relevance. The fact that I live in an apartment ,on the land, allows me to park , and ukpc do not have sole rights to change the contract, lease, or covenant on the land. Needless to say, ukpc declined the ap
  12. I feel so upset and frustrated. I got pip for a year, then after an assessment for renewal they did not award me enough points to carry on getting it. Before I was getting the standard care rate. I appealed and asked for the mandatory reconsideration but again the DWP refused to award me. Only after being sent out all the forms did I see where the missing points were. I am working with Harc and it was for preparing food and both the recent form, and previous form my answers were the same yet they did not award the 4 points the second time but gave me the same points for the same thi
  13. first of all to say hello to all users. i am new here be gentle . i have read the forum rules etc . feel free to say hello and if i can help i will. On a more positive note i have recenly been paid out in excess of 7k from barclaycard ppi. how do i confirm they have calculated this correct, i assume a sar would be needed here and can i still do this even tho they have recently paid me out?
  14. Microsoft have been getting flak for a new sneaky upgrade http://www.independent.co.uk/life-style/gadgets-and-tech/news/microsoft-criticised-over-deceitful-windows-10-upgrade-a7047466.html
  15. Advice please guys In 2012 took a phone contract out with EE and returned phone within a week back to shop simply as no reception In 2014 I had a few debt collection letters all of which went in bin Late 2014 I moved to a new house and started getting letters at new house early in 2015 from Lowell finance all of which went in bin Yesterday I came home to a letter from Lowell solicitors stating a CCJ had been obtained and a court order of £50 a month payment had been missed I rung Lowell solicitors for proof of the CCJ and was given a date and case number I
  16. I appreciate this may be a little complex, so I will try and be clear. The first paragraphs are background, skip to the for the issue. I am Sales and Marketing senior manager for a business, with 8 outlets. I am responsible for all sales and marketing activity and measured by sales performance (revenue). Each outlet has a manager, and they are responsible for the day to day operation of the unit, and measured against the profit. This structure is a little unique in our industry, where usually the unit manager has control of local sales and marketing, and would be measured a
  17. He says what others are thinking but are afraid to say. This sums his thinking up completely. We should all take note (especially Germany) of what he is quoting here:
  18. To briefly explain the story, last week my wife had a car accident where a man reversed his van into my wifes car after he had stopped in the road and reversed back without looking to talk to his dad who was on the other side of the road, driving the other way. He was very apologetic and they exchanged details. This morning we had a letter from a no win no fee solicitor, claiming that my wife had driven into him, failing to drive without due care and attention. This is obviously very upsetting, and I guess it means at the very least we are going to have to pay ou
  19. Does anyone know of any genuine employment lawyers that will do a FREE assessment for no win no fee. All the websites offering this always want an assessment fee which totally goes against the principle of no win no fee! I do however need help as I have a five day final hearing coming up in February.
  20. Hello A month ago I posted news about being successful BUT am still waiting for DWP to action!!!! Is there a time-limit for DWP to put this decision through and pay arrears?? (they clear a WCA decision speedily but not a reversal) Even intervention from an advice centre hasn't moved things along. Like DWP don't care and fob off.
  21. In past versions of Windows, Microsoft has allowed users to configure how they want operating system updates to be delivered. Those looking for the ultimate protection configure Windows Update to automatically install them, while others may, accidentally or not, disable the feature or postpone installing any updates for a very, very long time. I have seen systems that last had updates installed years before I was asked to troubleshoot them. With Windows 10, however, Microsoft is taking matters into its own hands, by making automatic updates mandatory. This applies to both home and busine
  22. First POPLA appeal post Beavis. At a site that I have previously won appeal at POPLA on 'GPEOL' and 'no evidence ' , the assessor has upheld the appeal because PE have not provided evidence that they have the authority to issue Parking Charge Notices. They just said they were allowed to... Appeal was simply; Show breakdown of genuine pre estimate of loss. Proof by sight of contract, that PE have lawful authority to issue Parking Charge Notices. That the charge is not punitive.
  23. I have been helping a friend over the past few months. They were struggling financially and asked for my help. They had been aware that I often post in various forums on CAG. But did not ask for my help until it was almost too late. The debt was a credit card from 02/02. Defaulted in 2007. Since I started to help them in early January '14 and I have written just 9 letters and 11 calls (recorded). Today I got an email from my friend stating that the account is now closed and will be marked as satisfied on their credit file, plus a nice amount of cash left in credit that was refunded by
  24. In small claims court the claimant won. The reason given by the judge for them winning was something they actually lied about, on more than one count. (Obviously the judge wouldn't know they were lying or wouldn't have judge in their favour.) I didn't have the evidence with me at the time against the claimants lies because I wouldn't have known what they would say or be prepared to lie about to win their case. The claimant seemed very clever, because everything I had against them the judge seemed to look in my favour but somehow the they seemed to wangle their
  25. I woke up this morning to an email from Post Office Van insurance informing me that my policy has been cancelled. I was laid off in the first week after christmas and had to reign in my direct debits to avoid bank charges and missed two payments. I started back work last week and had been planning on paying the money owed in full yesterday but did not get a chance during the day and so thought i'd call them today. However what I am really annoyed about is that Post Office simply cancelled the insurance. No phone call just a straight robotic cancellation. I will freely
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