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    • Hi BankFodder   Many thanks for your assistance in this matter.   I have decided to commence County Court action against DPD/Parcel2go regarding the lost parcel.   I would just like you to clarify whether which company you recommend me to commence legal proceedings against:   Parcel2go. My contract was made via this company.   Or DPD - This company undertook the contract and are the ones who lost the parcel.   I look forward to hearing from you soon.   Kind Regards Humza
    • I lost my job this jan because work decided not to extend my probabation, so i've been out of work since then. During this time I have made 3 payments of £270 from my own savings and now I am really struggling.   I rang motonova last month before COVID19 started and explained I lost my job and wanted a reduction in the payment but they asked me what my out goings were and told me 'it looks you can make this months payment so we can't do anything etc'   Since COVID19 has started motonova now have this form available to ask for reduction of payments - see https://customer.motonovofinance.com/file/cms/raw/888dda418afb548c00a1afc1cde50704.pdf   Given my weak financial situation can anyone help me with what I put down for these sections of the form so my request to lower or freeze payments stands a good chance of being accepted   1. Is your situation realated to the Coronavirus outbreak? Yes   2. Do you consider yourself to be in a high risk group, if so why?Do you explicitly consent to us recording this information in your account notes? I am no longer employed and have no income coming in. Work have made cuts due to Corona and no longer employed by them I am sorry I wont be able to make payments of £270   3. How much can you pay? I can pay £25 a month   4. What are you proposing, and what help would you like from us? I've lost my job and have no income. I've had to self isolate under the goverment guidelines with my family because my daughter had a cough at school. I've been applying for numerous jobs and have no luck and the COVID19 situation in the country has made the whole situation even worse for me. I request given the financial difficulty I am in that  you please accept my offer   What do you think of my reasons and how can you add or improve them? I really stressed out because my next payment is coming up in 3 weeks and I'm down to my last £400 of my savings and I've no idea how long it will take me to find a job  
    • Hi All   As im new to this site and here for as much advise as possible to help me and a few fellow work colleges regarding a situation with our employer given the current circumstances with the COVID-19 (coronavirus).   Basically since i started working for said company i have never been given my contract or employer handbook to view as when i need to, its always stored inside our boss's office and past staff have been refused to view it when they have wanted to, what i want to know is, is it a legal requirement for a employer to give there employees a copy of there contract/ handbook or is there a clause that can allow him not to?   Also i have currently been in self isolation due to cornavirus and have spoken to our company via email with no reply from them but have heard from colleagues that the work has slowed down, and in the recent email i have sent i spoke about potentially being put on 'furlough pay' if work stops completely. Can he refuse to put certain staff on it and still keep the business open even though there is no work? As well as not providing sufficient hygiene sources given the current climate, would that put him in breach of contract (if could view mine to start off with) ?   At the minute we are stuck in limbo given we are still off in self isolation for another week and he doesn't really care about his staff, what would be the best course to take regarding the matters above??   HELP!    
    • I have been trying to get onto the MCOL site for several days now, it keeps saying that the password is wrong and i haven't been able to get to talk to someone on the phone, i have prepared a defense and its ready to email, just realised today is day 33.   Here it is for your considderation, thank you.   The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1.Paragraph 1 is noted; I have in the past had financial dealings with MBNA. I am unaware of the alleged agreement the Claimant refers to having failed to adequately particularise its claim and have therefore sought clarity from the Claimant by way of a Section 78 request and a CPR 31.14 request.   2. Paragraph 2 is denied. I am unaware of any service of a Default Notice (s) pursuant to section 87 of the Consumer Credit Act 1974 by the original creditor MBNA. I have sought verification from the claimant regarding this matter and they have been unable to comply.   3. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; and (b) show and evidence any cause of action and service of a Default Notice or termination notice; and (c) show how the Claimant has the legal right, either under statute or equity to issue a claim;   4. After receiving this claim I requested by way of a CPR 31.14 request and a section 78 request, copies of any documents referred to within the Claimants' particulars to establish what the claim is for. To date they have failed to comply to my CPR 31.14 request and my section 78 request and remain in default with regards to this request.   5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   6. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. I confirm that the above facts and statements are true to the best of my knowledge and recollection.
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I wonder if there is an e-pettition to lift the waver!!


"The only thing that interferes with my learning is my education." Albert Einstein

 

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I still think Facebook is a good medium for spreading the word - it can't hurt.

 

The group is here: http://www.facebook.com/group.php?gid=36100485920

 

The wording needs some work, I agree.

 

If anyone has a copyright free image for the group, please let me know.


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Would any one like me to start a thread on Libdem voice?

 

It's only open to members of the party.


"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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I still think Facebook is a good medium for spreading the word - it can't hurt.

 

The group is here: http://www.facebook.com/group.php?gid=36100485920

 

The wording needs some work, I agree.

 

If anyone has a copyright free image for the group, please let me know.

 

Cant hurt..


"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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Go for it.


If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

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now there is a bit of irony.

 

Start with the nationwide
and

 

All move to the Co-Operative bank
I wonder how many people know that the Nationwide started its life as "The Co-operative Building Society" but was "removed/asked to leave" the Co-Operative movement as it did not use the Co-operative bank as its main bank.

 

off topic i know and useless info but ironic all the same.

 

Ill be nipping in to the co-op bank in the morning

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we have credit union in dorset i might switch to them.

 

 

There are moves afoot to allow CU's to handle outgoing DD's together with other functions normally the preserve of the banks

 

If that does happen it will probably lead to a mass exodus from the banks to the CU's & no bad thing too

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Would any one like me to start a thread on Libdem voice?

 

It's only open to members of the party.

put my name on facebook plus invited friends as well.

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My god!

 

I seriously hope that is true.

 

Have you a link to back that up? That is REALLY interesting.


If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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There are moves afoot to allow CU's to handle outgoing DD's together with other functions normally the preserve of the banks

 

If that does happen it will probably lead to a mass exodus from the banks to the CU's & no bad thing too

 

 

perhaps cag should start a credit union :eek:


HTH (Hope This Helps) RDM2006

 

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That is true. I agree. But after starting this site nearly 3 years ago, I have learned one thing at least: that is, that for the most part MP's do not care.

 

My MP for instance has considerable shares in LTSB. Many other MP's also have shares in one of the big 4 (very easy to find out as they are in the register of interests).

 

Now many will say that it should not cloud their judgement. It shouldn't - that much is correct. But we are talking about people who have been lining their pockets with our money for years - this pittance is nothing to them, and they will not harm their self interests as has been seen many a time on the news - and that's only when they are caught out.

 

I do feel that there are a few MP's that got into that game for the right reason - and some still feel that way. Some.

 

There are 274 bank charge related groups on Face book - with an average of 1100 members each. I admit that there will be a lot of cross-overs. But if there were not (and there is no way I can work that out without access to the facebook database), that would mean over 300,000 people who *may* be interested in changing bank accounts from the main offenders.

 

Of that we can reasonably expect maybe 2-10%. It's enough to send a message.

 

In the past, when I used to have have a bank account and I changed to another, I was asked why. They probably have a database of the reason why people change bank.

 

I disagree about the MP's yes many are shysters but there are some including senior ones who are interested in our plight. This is particularly true now as banks are no longer flavour of the month & there is so much uncertainty in many of their constituencies they need every vote

 

Also a face to face meeting is a lot more potent than a letter or an email

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I disagree about the MP's yes many are shysters but there are some including senior ones who are interested in our plight. This is particularly true now as banks are no longer flavour of the month & there is so much uncertainty in many of their constituencies they need every vote

 

Also a face to face meeting is a lot more potent than a letter or an email

 

Perhaps we should write to each leader and promise our votes to the first party to put the banks in their place:cool:


HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

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We've had face to face meetings too.

 

I wasn't this cynical until we started this site. I was hopeful too that MPs actually did their job for US. Maybe I'm wrong. I hope so, but we've been down this road many times.

 

These are the same people that allowed them to get into a position this powerful. Then they bail them out with our money. The banks cannot lose when backed like that. They all went to uni together and they all know which finger to press when in a handshake.


If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Politicians like to be in the no.

 

rdm you will have to capture the attention of the party members to influence them like that.

 

This is why I started a Libdem voice thread.

 

Ok there are only around 700 on there but the party pays attention to what is on the thread.


"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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My god!

 

I seriously hope that is true.

 

Have you a link to back that up? That is REALLY interesting.

 

Dave I assume you mean my post & if so you'll be pleased to note it's already happening:D

 

http://www.leedscitycreditunion.co.uk/content.asp?section=150

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Dave I assume you mean my post & if so you'll be pleased to note it's already happening:D

 

http://www.leedscitycreditunion.co.uk/content.asp?section=150

 

 

there is also one starting up in north staffs later this year (nscu - Home)


HTH (Hope This Helps) RDM2006

 

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I am almost giddy with excitement.

 

Seriously, I am.

 

This is fantastic.

 

Does anyone know where a list of credit unions is?


If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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Dave - Should we create a thread in each bank forum Ill do HSBC


HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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OK, we're getting really off-topic here. Perhaps we should start a new thread and let this one get back to where it should be.

 

I like the idea of a CAG credit union, but seriously, I (and most of us) barely have time to be here as it is at the moment let alone administer something like that.


If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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I am almost giddy with excitement.

 

Seriously, I am.

 

This is fantastic.

 

Does anyone know where a list of credit unions is?

 

found mine by typing "mycity credit union" in the search engine


HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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OK, we're getting really off-topic here. Perhaps we should start a new thread and let this one get back to where it should be.

 

I like the idea of a CAG credit union, but seriously, I (and most of us) barely have time to be here as it is at the moment let alone administer something like that.

 

perhaps an agreement with an existing credit union could be reached with cag getting a donation for each account opened???


HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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Why not show your gratitude And

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Not a bad idea at all. I need to read more about this before I make comment.


If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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...I like the idea of a CAG credit union, but seriously, I (and most of us) barely have time to be here as it is at the moment let alone administer something like that.
A professional organisation has a professional workforce.

If CAG set up a Credit Union...even by proxy

Methinks peeps would expect it to be administered by a fully accountable FULL TIME employed professional person/people...;)

...:)


The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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