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Found 396 results

  1. Evening all, I ordered some equipment from Fitness Superstore, checked both items were in stock (it showed as such on the website but I checked anyway)and there is an email trail showing this. As I was having them install it I had to submit a form which I did and they acknowledged receipt. I had to hasten info on a delivery date but once they had been reminded of my order this was set for next Monday (11th Feb). Yesterday they informed me that the Monday delivery is only for one item and the other will be restocked 'sometime in March but they don't know when'. It could potentially be 7 weeks before it's available again and then there's the wait for installation. A kerbside delivery isn't an option for us with equipment of this size and weight. After some discussion I have today cancelled the whole order. I did use a credit card but I transferred the money to it on the day of the order so I am out of pocket over £3000. I want the refund sooner rather than later. The way this went I've lost all confidence in this company as they don't give a damn and I want my money back so I can go elsewhere. I can email an LBA first thing on Monday and I'd like to give close of business on Friday as a deadline - all they have to do is press buttons to refund my credit card and I know it can be done. Must I give them any longer? I see two weeks quoted on here quite often.
  2. I am taking ex-employer to an Employment Tribunal for age and disability discrimination. Up until 2 weeks ago they were adamant that I was not going to get a penny from them and they have engaged a very expensive lawyer. They had denied all allegations of the existence of documents that contained discriminatory and offensive remarks, documents which I had seen and knew existed. However, at the Preliminary Hearing in December their lawyer was put under pressure by the judge and eventually conceded that the respondent did not deny the existence or contents of such documents. The judge subsequently issued the Case Orders and Case Management Summary document. Within that he has put on record that the respondent, via their lawyer, does not deny the existence of the offending documents. Which obviously means they'd have to disclose them as they can't now say they don't exist. I have applied for the respondent's defence to be struck out on the grounds that it is vexatious and completely contrary to what they have subsequently conceded at the Preliminary Hearing. I have not yet had a response to this request from the tribunal. Following the tribunal issuing the Case Management Orders and Summary the respondent's lawyer has suddenly made approaches to settle the case. However, even after negotiation the amount offered is probably only 50% of what a tribunal would award (they started at around 15% of claim value). Therefore, should I settle now or should I wait to see if the Tribunal strikes out their defence ? It is difficult to see how they can defend their case anyhow even if it is not struck out. If they disclose the documents then they are bound to lose, if they don't disclose then how can they justify that to the tribunal having already admitted they exist ?
  3. How much rent can you afford? An interesting article with links to government and local authority calculators. It points out that you need to consider far more than just any fees and the rent itself, but all other utility bills, council tax, water bills and in some cases, service charges.
  4. my friend cancelled his JSA claim today and has appointment booked with his ingeus advisor tomorrow, he has asked me if he can still get sanctioned for not attending as he is switching from JSA to ESA? sorry to keep going on but he keeps asking me.
  5. Hello, I have written before on this forum concerning my mental illness and the debt, successfully writing off debt from MBNA. I had a mental breakdown in 2005 and a relapse in 2015 when I fell again into a deep depression. For people who do not suffer with mental health issues, it is hard to explain how things effect you. It’s not I am another person but, I can appear changed and not myself. When I am suffering these episodes my moral compass, well it isn’t there I basically am an ar*e I care not a jot and do things I know can be destructive. I have had great help from social services to help me cope and as I said in a previous post, https://www.consumeractiongroup.co.uk/forum/showthread.php?489343-tesco-credit-card-amp-freds&p=5142374#post5142374 I do have outstanding debts with Tesco Credit card £7700 owing, still haven’t heard anything from Frederickson or Tesco for an age. PayPal credit card £2200 sent me an email, I have attached that email. This is the first I have heard from them. I noticed I still had a direct debit set up for Tesco I have no idea what it was for so the bank recommended to cancel it, so I did. It was over a month when I got a phone call from Tesco, saying I was default on my loan, what loan, I had no idea. The person asked me several security questions that I couldn’t answer all of them, then they finished the call stating they wanted there payment. I have searched high and low to find out what the loan was but I have no paperwork at all. I vaguely remember clicking on a link on an online statement from Tesco about something. Now I still get monthly statement emails from Tesco but cannot access the account on line. Looking at my credit report I can see a loan over 5 years that I had paid for 3 years and a part account number. I have written to Tesco with the part account number as well as my old credit card number explaining my situation. Since the letter I have had 3 calls a day all blocked, I told them in my letter do not call as I can be very offensive so I don’t answer to any one I don’t know, the phone is there for me to get in touch with my doctors. I have no paperwork for Tesco, I have asked for my information by post and still nothing, when can I say this is getting to be harassment? Your help as always is appreciated edit paypal 1.pdf
  6. Just noticed marketing emails coming back in from house of fraser. After everything that has been happening, i'm not sure if I should order again. Anyone recently purchase anything from HOF, and did you have problems?
  7. Advice people have given you did it work for you.From wherever,jobcentres,businessmen,husbands,wives,friends. Example Many years ago i worked on Blackpool Promenade A interesting place to work,could be 5am or ten pm all times of the day. Observing the goings on and meeting many interesting people.Such as the Snakeman,entertainers all sorts of people from many places. One of them was a multi millionaire. We became pretty friendly and i began working for him renovating and modernising a huge shop. I observed how he worked,he had the Midas touch everything he touched seemed to turn to gold. Well as you can imagine i thought to myself i want a piece of that,only natural. I was trusted after a while and the relationship became a little like Del and Rodney,Fools and Horses you can guess who was Rodney. I was standing next to him one day observing his empire on the prom and i said. Del how come everything you do turns to gold. well Rodney it is like this he replied. I have maybe ten ideas which i invest a thousand or two into. 8 might fail but the if the other two work it is happy jubbly. And some of his ideas swept the country. Right i said to myself,Rodney it is your turn now.The Mercedes will soon be here. So spent 20 quid on some necklaces,plastic miniature dolphins and some long grain rice. And the Finest architects pen i could find.and a huge magnifying glass. Stall was set up.Ladies and Gentlemen gather round which they did. I mean you can hardly fail on the prom. Your name on a Piece of rice put in this miniature Dolphin,filled with water which magnifies it,hung on a chain and around your neck it goes. So what happens, flaming Methelusah comes along says i will have three,have you ever tried writing Methelusah on a grain of rice.Once is a challenge but three times:madgrin: I thought everyone would be a Sue or a Dave,well you would wouldnt you. So it just did not pay and i am at the moment on my 990th idea waiting for the beam of light to land on me and say Rodney you have succeeded. So it did not work for me the advice but sure had some fun along the way. Your turn now,advice given was it acted upon,used and worked for you. You know,from grandma,grandpa,the wise ones.Mum- Dad anyone.
  8. I was shocked by the pipe bombs sent to prominent Democrats in the US this week. It seems that the US isn't the only place where politicians especially are subjected to abuse; Diane Abbot has been talking about this. https://www.theguardian.com/politics/2018/oct/23/crimes-mps-uk-online-intimidation-abuse I don't condone violence for any reason and especially not over politics. Why can't people just agree to differ?
  9. Hello newbie here, My Husband & I have been dealing with a Debt Collection Agency SMD Credit Solutions Ltd since April to collect a Debt owed to our Company since November last year. A little background: We were owed £38k and the debt was in dispute by the company who owed us. This was construction industry dispute where we worked for contractor (2) who was working for main contractor (1). Main Contractor (1) refused to pay contractor (2) citing poor workmanship therefore contractor refused to pay us. So it was quite in depth but it was being dragged out and being a small company we needed to get a resolution. SMD cold called us but it just so happened we were in the process of looking for an agency after them phoning us everyday for weeks trying to persuade us to agree for them to take the debt on we agreed. We had lengthy discussions about the whole case and we were upfront about everything before we even agreed for them to take on the debt. We knew it wouldn't be straight forward so wanted someone who knew what they were doing. They wanted to charge £2000 + VAT for a reg fee but we simply couldn't afford that so they dropped it to £1000 + VAT payable in 2 instalments. After we agreed we sent them all documentation regarding the debt including invoices owed, purchase orders we received, emails and a report from the main contractor (1). Needless to say SMD were useless, they never answered or return our phone calls, they never returned or answered my emails. In their initial 'guarantee email' they claimed to keep you updated every step of the way and give you a full refund of the reg fee if they don't at least recover the cost of the reg fee. Eventually after quite a few weeks I was emailed and told that SMD had had to obtain legal advice on our behalf and had to pay out in excess of £3000 in order to do so. After weeks of getting nowhere and no answers SMD finally advised us in mid June to set up a meeting with Contractor 2 and main contractor 1 and thrash out what we could get paid. We advised them that we would look for an alternative agency who was specialised in Construction industry disputes and we would like our reg fee returned to which we received no reply and no refund. We then received the official In Administration letter from contractor (2), and I left a negative review on SMD company facebook page. Nothing defamatory or untrue just stating our disappointing experience and that I would not recommend them. Oh and I hope they don't keep telling people about their 100% success rate which is what they said to us. Today I get an email from them saying that unless I remove the comment they will charge us £10,000 (10 x the reg fee) plus the £4000 costs as per their T&C's. They claim we mispresented the debt by not telling about the report Can they do that? Sorry for the long post
  10. Apologies for posting here but I haven't used CAG for a while and can't get a new post box on the help for landlords forum. Can you help me please?
  11. Thank you for your time and advice. We're looking for some general advice on this issue regarding my partner who is off work with depression caused by her workplace. The employer has told us they will visit this Thursday to "discuss her absence". Here's a bit of the back story: Mt partner is a Cleaner. She is off work due to depression, this was caused by her undergoing treatment for recurring miscarriages and her Manager moving her from a job she was happy in to another part of the company where it is very quiet, no interaction and a totally different world than where she had been. My partner asked to be moved back but was told it is not possible. She thinks she was only moved because her Manager had to cover 6am to 7am as she couldn't get into work for 6am. Funnily enough, the person who took my partner's old position starts at 6am (!) Events and Mismanagement that has led to my partner's Depression: 1. She was late for work twice when the buses here were effected by a huge amount of roadworks (which was front page news). Her bus simply didn't turn up two days in a row and she had to wait for an alternative bus (the following days she caught a taxi rather than lose her job). Both times she rang the Manager and let her know. All seemed okay until over 2 weeks later when her Manager issued her with a stage 2 warning for absence (not even a 'late'!). Luckily I was able to speak directly with the city bus manager who kindly emailed a letter explaining the missing buses and her Manager took the warning off her record. It was like a letter from Mummy for not having a PE Kit! 2. A few days later (revenge?). My partner received a printed warning document detailing things that would need to be improved in her cleaning duties. These included a set of stairs that experience 24-hour high traffic from hundreds of staff which she was warned were dusty and dirty. She was told another inspection of her work would take place on 4th April and if it wasn't satisfactory a PIP Procedure (warnings that can lead to dismissal) would be put in place..skipping the written warnings stages completely! Two weeks later she had the Thursday 23rd and Friday 24th March 2017 off as holiday. My partner went back on Monday 27th March 2017 and was called her into her Manager's office and told that the showers had body-fat in them, even though she had worked hard to make everything A1 before her days off. Her Manager then said "Just because you signed that warning, doesn't mean you can F?cKing slack off anywhere else!" (Bullying?). 3. Two days later (29th March 2017), My partner had a small operation to investigate the fibroids the hospital believe have caused her recurring miscarriages. She was not allowed this as unpaid leave and had to work before going to the hospital. She had to go work the day after the operation too. On the day after the operation she was taken home by the people she cleaned for in FOST and they phoned my partner's Manager to complain; which no doubt will be mentioned in the absence meeting and my partner blamed for it! Anyway, that date was 30th March which was the last day she worked and has been off with depression since. 4. On 24th April we received the letter saying they'll be coming to our home on 4th May 2017 to discuss her "illness, current health status, long term diagnosis, current abilities and when you might be fit to return to work. And also to gain authorisation to contact your GP for a medical report." - We appreciate any advice you can give and for reading this long post. If you can advise on what we should do at the 'Meeting to Discuss Absence' and whether we should print off this post and discuss it or if that would probably mean them finding an excuse to get rid of my partner? She has had depression all the time she's worked there (10 years) and never had long-term sick so could they sack her for depression knowing she has it anyway (last year she had a miscarriage and went sick with depression) Would she have the right to be asked to be moved and, if so, would they have to move her to a post that has the same hours/amount of hours? Staff who have complained in the past have always ended up sacked Finally, their letter says she can have a member of staff/Union Rep (unfortunately not in a union) at the meeting but I intend to be their. It is our home so can they say I can't be there? We will also be recording the meeting, as it is our home do we legally have to tell them so?
  12. Bells to ring out and 10,000 to march past the Cenotaph as the nation says 'thank you' READ MORE HERE: https://www.gov.uk/government/news/bells-to-ring-out-and-10000-to-march-past-the-cenotaph-as-the-nation-says-thank-you
  13. 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
  14. I am a primary school teacher (year 6) and don't let children go to the toilet during lesson time.
  15. A look into the future CALLER: Is this Gordon's Pizza? GOOGLE: No sir, it's Google Pizza. CALLER: I must have dialled a wrong number. Sorry. GOOGLE: No sir, Google bought Gordon’s Pizza last month. CALLER: OK. I would like to order a pizza. GOOGLE: Do you want your usual, sir? CALLER: My usual? You know me? GOOGLE: According to our caller ID data sheet, the last 12 times you called you ordered an extra-large pizza with three cheeses, sausage, pepperoni, mushrooms and meatballs on a thick crust. CALLER: OK! That’s what I want … GOOGLE: May I suggest that this time you order a pizza with ricotta, arugula, sun-dried tomatoes and olives on a whole wheat gluten-free thin crust? CALLER: What? I detest vegetable!. GOOGLE: Your cholesterol is not good, sir. CALLER: How the hell do you know! GOOGLE: Well, we cross-referenced your home phone number with your medical records. We have the result of your blood tests for the last 7 years. CALLER: Okay, but I do not want your rotten vegetable pizza! I already take medication for my cholesterol. GOOGLE: Excuse me sir, but you have not taken your medication regularly. According to our database, you only purchased a box of 30 cholesterol tablets once, at Drug RX Network, 4 months ago. CALLER: I bought more from another drugstore. GOOGLE: That doesn’t show on your credit card statement. CALLER: I paid in cash. GOOGLE: But you did not withdraw enough cash according to your bank statement. CALLER: I have other sources of cash. GOOGLE: That doesn’t show on your last tax return unless you bought them using an undeclared income source, which is against the law. CALLER: WHAT THE HELL!!! GOOGLE: I'm sorry, sir, we use such information only with the sole intention of helping you. CALLER: Enough already! I'm sick to death of Google, Facebook, Twitter, WhatsApp and all the others. I'm going to an island without internet, cable TV, where there is no cell phone service and no one to watch me or spy on me. GOOGLE: I understand sir, but you need to renew your passport first. It expired 6 weeks ago…
  16. Hi, I’m new here. Can anyone answer these questions? 1) Is all your JSA stopped when you are sanctioned, or is only a percentage of it stopped? 2) If after being sanctioned you go on hardship payments, do you still have to be available for work? 3) And if you do still have to be available for work, can you be further sanctioned while on hardship payments? I’ve just started getting JSA and have not been sanctioned, but the above questions have occurred to me.
  17. Well i just do not get it. Maybe i am getting older but i have now had enough of cold rainy,snowy dark days. The dark and the gloom. Maybe as i am not working as hard as i did winters seem to be lasting longer Having said that today despite a little frost to start with the sun is beating down. I am ready for a little warmth,are you. So who has seen a sign of change coming. I heard a Woodpecker the other day and Magpies and Herons sat on their nests. Plus one huge Bumblebee yesterday. And a few buds appearing on trees. What have you seen lately. Here is a article Our top spots for signs of spring https://www.nationaltrust.org.uk/lists/our-top-spots-for-signs-of-spring The 10 most welcoming signs of spring From daffodils to the dawn chorus, here are 10 signs that spring is finally well on its way http://www.countryfile.com/countryside/10-most-welcoming-signs-spring I wonder if anyone has seen a mad March Hare,years since i saw one. Or maybe Lambs jumping around in the fields. Over to you.
  18. If you are going on Holiday Abroad always check if you need any Immunisation/Medication beforehand for the areas you may be visiting. NHS Choices Travel Vaccinations: https://www.nhs.uk/conditions/travel-vaccinations/ Travel Health Pro: https://travelhealthpro.org.uk/countries
  19. Get help at work if you’re disabled or have a health condition (Access to Work) READ MORE HERE: https://www.gov.uk/access-to-work
  20. Get help at work if you’re disabled or have a health condition (Access to Work) READ MORE HERE: https://www.gov.uk/access-to-work
  21. Been reading through the forums about how to manage debt and one thing seems to remain constant in that you work out your income and outgoings and then make an offer to each of your creditors telling them what you are prepared to pay each month over xxx amount of time. That's all well and good but what do you do when you have no income at all or so little income you can just about afford to pay your rent every month let alone anything else. What route do you go down with that one? A little background: My wife had a job in the city with a good salary and that plus my income meant we could pay everything on time and all was good. My wife then became quite ill and could not work and has been like that for the last 6 months. This left a whopping great £3k per month hole in the finances. I managed to plug that for a few months but then my own work dried up and now I am struggling just to make the rent and feed us every month. Right now, as of the time of writing this post we have absolutely zero money at all and huge pile of debts to pay...plus rent of course. So given that situation, how do we deal with creditors? I have a CCJ by the way and have already missed the deadline for last months payment, by a couple of days. I did write to Lowell to explain the situation but of course it's entirely at their discretion whether they enforce the court order or not. My wife bank did give her three months reduced payment on her loan so she only had to pay £1 per month for those three months however they also said they would not load interest on for that time but they have so her debt has already increased by another £1000 and climbing! Also that arrangement has come to an end and despite writing to them several times they have not come back to us (RBS). So what do you do when you have zero finances and need to deal with creditors?
  22. Hi REGARDING SECTION 8 OF THE BUDGETING LOAN FORM there is some confusion regarding what is needed to be filled in if you are filling it on behalf of someone? can anyone help? it states:- have you filled in this form for someone else? NO (go to part 9) YES please tell us about yourself Please tell us why you are filling in and signing this form for someone else TICK BOX I am sending a letter by the claimant with this form, the letter tells you that they agree to me making the claim for them NOW SIGN THIS FORM IN PART 9 TICKBOX i am their appointee TICKBOX i have power of attorney TICK BOXES FOR NAME ADDRESS AND DATE OF BIRTH The form is made out like the above. My point is that according to the form if i tick the box 'I am sending a letter by the claimant.....' it tells me to go straight to part 9? if i go to part 9 then i assume i DONT tick '-+++I am their appointee' OR i have power of attorney' ? and therefore i DONT put my name or address or date of birth? I'm assuming you only do this if you are either appointee or power of attorney (as i am neither anyway?) i actually DONT want to give my details anyway as i am just helping a friend. finally to confuse matters further on page 9 it states sign here if you are claimant or appointee. Can SOMEONE confirm i DONT have to put my name or address. I just have to provide the letter signed by the person claiming?
  23. I purchased an item from [edited] for £3200 during their January sale thinking it was a good deal as the item normally retails for between £5000-6000. Order confirmation received straight away and payment has been taken from my credit card. I’ve now 3 days later had an email from them saying it was a misprice and giving me the chance to either purchase the item at full price £5500 or to cancel the order and receive a full refund. Their T&Cs (I can't post a link as a new member to them) states that a contract is formed once an order is received and payment taken: 3.1 How we will accept your order. Our acceptance of your order will take place when you complete the checkout process and pay for your order, at which point a contract will come into existence between you and us. Another T&C states 7.8 When you own goods. You own a product which is goods once we have received payment in full. They have one T&C covering mispricing which states 15.4 What happens if we got the price wrong. It is always possible that, despite our best efforts, some of the products we sell may be incorrectly priced. We will normally check prices before accepting your order so that, where the product's correct price at your order date is less than our stated price at your order date, we will charge the lower amount. If the product's correct price at your order date is higher than the price stated to you, we will contact you for your instructions before we proceed with your order. If we accept and process your order where a pricing error is obvious and unmistakeable and could reasonably have been recognised by you as a mispricing, we may end the contract, refund you any sums you have paid and require the return of any goods provided to you. In my view it wasn’t an obvious and unmistakeable pricing error (for example where they get the decimal point wrong and sell something for £500 instead of £5000). During a January sale I think it’s reasonable items could be heavily discounted. I plan to write to them to state that I consider we have a contract and I want them to uphold their end by supplying the item to me. But if they refuse, what are my options to enforce the contract? small claims court? And what would I realistically be asking for? Obviously I can cancel and get my money back so I'm no worse off, but it means I won’t have the item, and would have to spend more money to secure it elsewhere. Any advice would be a great help.
  24. That's right, our lovely DWP and JCP who want you to get back in to employment but when it comes to the crunch are unwilling to help you when you need a little bit of help and this set you up to FAIL! As you know I am on UC, I lost £95.00pm when moved from ESA and HB so am struggling. I have been applying for work but getting nowhere my work coach (work coach LOL) says to me "try registering with agencies and seeing if they can help" ... OK, I email a few agencies and I geta reply from Hays and speak with them on the phone about my work history and background etc. They tell me that they may have a few openings and would like to meet me - fine, train fare to town return is £9.40. As I am on UC almost £10 means a lot of food shopping and it is an amount that I can hardly 'lose' at the moment given my financial circumstances. I email my 'work coach' and say I have arranged an appt with the agency and I would like to claim my fare back. Guess what? DWP WON'T PAY IT as it is not an actual interview just registration. So I say "if I want interviews I need to register so I am on their books" - the answer (like a robot) "No we cannot pay your fare" Fine, end of story, appointment cancelled - you want to know why I have not been doing as you say and seeing agencies? BECAUSE YOU (DWP) ARE NOT HELPING ME AT ALL WHEN I AM TRYING TO BE PROACTIVE FINDING WORK!!!! What part of I am on UC and struggle with rent/food do you not understand? Want me back in work and off UC then HELP ME WITH A LOUSY TRAIN FARE! Angry? Yeah, expected this? Yeah ... DWP ... no help at all, just keep cutting peoples money and offering no help at all. Pathetic.
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