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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Disabled person's railcard, some views sought? Are they much good?


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Guest forgottenone

Thinking of investing £18 in one as it gives me a third off rail travel nationally/locally. First, though, would like to get some views on what advantages ... obviously, getting a third off isn't that bad - particularly on long distance Virgin which cost more than a week away does or an arm and more than a leg unless you hit pay dirt, get in when tickets open, get a bargain - and would like to know if anyone here has one and looking for views. Are they value for money?

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Disbaled persons railcard gives the cardholder and a companion 34% off all rail fares on the National Rail network. Here's an example fare:

 

Newcastle to London Kings Cross is £99.30 on a standard Saver Return for one person. If two people travel on a Disabled Persons Railcard the fare will be £65.55 each. You can also get discounts on Advance Purchase fares.

Be good to yourself, when nobody else will

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Are they value for money?

 

Surely that's fairly subjective and depends on how much you'll use it? So all you need to do is calculate how much you will save per year, versus how much it will cost - and then you'll know whether it's worth you having one.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hi I have had one of these cards and depending on how mobile you are they can give you great savings.

 

Also have a look at Cinema Exhibitors' Association Card for a small fee you will get reduced entrance to the cinema for yourself and a carer.

 

Happy travelling:)

 

JB

Edited by jailbird
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My mum had one not so long ago, she saved an absolute fortune using it as I live at the other end of the country from her so she used to use it to come visit me but she went all over the country on it so they are definitely worth having!

THE PRETENDER AGENDA - August 30,2008 - 2ND ROW!!! WOO-HOO!! :-)

THANK YOU SO MUCH FOR A FAB NITE LEE! xx

Sunderland 011008 - THE BEST BIRTHDAY PRESSIE EVER! 'Aww, it's your birthday! Happy birthday darlin!'

 

02 Apr 2008, 23:55

OfficialLeeRyan wrote:

i like that!! its simple and good and gets the fans involved aswell x x x

 

MY SUCCESSES -

 

1st Credit (Lloyds TSB) admitted no CCA, reply from OFT 130608, reply from FOS 040608, adjudication stage rejected but still no contact....

 

My mate (Littlewoods/Moorcroft)

300608 -Long running battle,threatening court, CCA letter NO 2 and harrassment letter sent - passed back to Littlewoods early July.

070808 - Passed to Debt Managers, Acct in dispute/BOG OFF letter sent 080808...

140808 - Letter from Debt Managers passing debt back to Littlewoods - RESULT! :D

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Guest forgottenone

Thanks for the replies. If I apply for one it will be mostly for local travel ... which is the most I use, the most often ... and it will save me an awful lot of money I don't have ie am on IB, so it's more than just 'value for money' to me. Have been severely limited in what I can apply for re 'subsidized' public transport ... as the rules on bus travel eg you could get a free travel pass for some disabilities all changed around March/April and ... I read of one group somewhere in the south who had their cards removed due to the changes ... thus cutting them off for vital support services, eg socializing with others ... so something like this is and will be a vital thing to have. Being housebound most of the time isn't really helpful for mind, body and soul.

 

Thanks again for the replies and will look into getting one soon.

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