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    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
    • stopping payments until a DN arrives does not equal automatic sale to a DCA...if you resume payments after the DN.  
    • Sleep apnoea: used to require the condition  to be “completely” controlled Sometime before June 2013 DVLA changed it to "adequately" controlled. I have to disagree with MitM regarding the effect of informing DVLA and S.88 A diagnosis of sleep apnoea doesn't mean a licence wont be granted, and, indeed, here it was. If the father sought medical advice (did he?) : this is precisely where S.88 applies https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf p.4 for “new medical condition” It is shakier ground if the opinion of a healthcare professional wasn’t sought. in that case it is on the driver to state they believed they met the medical standard to drive. However, the fact the licence was then later granted can be used to be persuasive that the driver’s belief they met the standard was correct. What was the other condition? And, just to confirm, at no point did DVLA say the licence was revoked / application refused? I’d be asking DVLA Drivers’ Medical Group why they believe S.88 doesn’t apply. S.88 only applies for the UK, incidentally. If your licence has expired and you meet the conditions for S.88 you can drive in the U.K., but not outside the U.K. 
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Really Disappointed With Cag


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Well I wust say I'm really disappointed with this forum regarding my previous posts.

It seems only a few people are prepared to help. All seems very cliquey.Some get help others like myself and my husband,who are really as desperate as most other people don't.

I'm sorry I wasted my money on donations. Won't be using this again

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Can you explain more? Some of the cliquey people may not have a good enough knowledge of the issues to advise you.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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please spoon feed me..and if i dont like or understand what i read i'll blame CAG and call them names...............

anyhow, sorry but not my field all this court stuff.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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dx, forums can appear from the outside to be Clique(it is only natural when you get used to the names, etc,etc,). Not sure that the comment is necessarily justified but the OP on their thread may not have been aware of the REPORT button(the red triangle underneath your username) which you can use to get attention to the thread. For reference, I have used that tonight because I know site team will see the report and hopefully someone may be able to advise correctly.The OP asked, bumped and asked again over a two week period, I think from looking at their thread.

I have to say that its not something I could advise on, but I understand how the OP could have arrived at their comments that they made.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Of the 3 threads (2 of which are related to this issue) there appears to have been lots of help and advice given.2 of the threads actually ask the OP for further info which were not responded to.

The latest thread has a gap between July and recent days in which nothing was posted.

Remembering that its a bank holiday weekend and so numbers are thin,I dont think its really fair to suggest the things thats been said.There has been substantial input from at least 2 users one includes site team-Pt is actually very busy with his own professional work at this time.

  • Haha 1

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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yes well, i'm just very upset at the moment. my husband has been very severely depressed over the last months, since may in fact, and due to the stress of having to go to court twice in the last week,on top of that he has suffered a nervous breakdown and is currently in hospital. i am having to stay strong for our 4 year old twins, trying to explain things and keep everything fairly normal for them. our only real hope of help was on here. it would have helped if i had been acknowled instead of feeling ignored and the post going further down thelist. anyway it doesnt matternow, they can all have what they want. i just want my husband back to normal.

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Maria - Your situation sounds awful, why not lets just all take a step back - see if you can respond with the 'required' info to your earlier posts and let the people here get things back on track for you.

 

Obviously wishing your husband the earliest recovery.

Veester

 

"Challenges are what make life interesting; overcoming them is what makes life meaningful." -- Joshua J. Marine‏ ;)

 

Better than the truth itself is truthful living.

 

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yes well, i'm just very upset at the moment. my husband has been very severely depressed over the last months, since may in fact, and due to the stress of having to go to court twice in the last week,on top of that he has suffered a nervous breakdown and is currently in hospital. i am having to stay strong for our 4 year old twins, trying to explain things and keep everything fairly normal for them. our only real hope of help was on here. it would have helped if i had been acknowled instead of feeling ignored and the post going further down thelist. anyway it doesnt matternow, they can all have what they want. i just want my husband back to normal.

 

 

Mariacallas,

 

i appreciate your situation and the problems which you have, however im afraid i have been unable to look in on your thread as i have work commitments which i cannot avoid, for fee paying clients whom i have a duty to first and foremost. my spare time i dedicate to helping people on here as do the rest of the site team

 

however, there are but a few of us and many people needing assistance so it is inevitable that a few posts will go unanswered and we must NOT lose sight of the fact that this is a Self Help forum where the information is provided in the main and people do need to do a little research and reading for themselves, the site team back up that with assistance but we cannot conduct the full case for you, only a solicitor could do that really

 

i have responded on your thread and i would like to point out that i started drafting documents at 6 am and i will be working through the night to get the documents i need done by the morning for submission to the court so i am taking time out to help

 

so i am not ignoring you nor are any of the other users and i am personally quite offended by the first post on this thread

Edited by pt2537
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i would just like to put my two cents in

 

people like pt and stephen have put more into this forum in helping people than most.

i know as ime one of them.

 

these people give up there free time to help us all.

 

please do not run down cag, its a god send to people in trouble

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In full agreement with postggj.

 

I had no idea how to deal with the financial mess I had when I joined CAG although I did have some knowledge of the court system etc. I spent many hours reading this forum & also other reference sources (not to mention sleepless nights) before I formulated a plan of action that suited my personal situation.

 

To date I have not asked the site team for assistance but the advice I have received & the knowledge I have acquired has been invaluable in giving me the confidence & know how to move forward & resolve the difficulties I faced. I am still walking the road but can now see the light at the end.

 

My mother always used to say ' God only helps those who help themselves' & you have to remember Maria, that this forum is a helpline not a free legal service. The contributors (particularly the experienced site team) here are volunteers, giving up valuable spare time that they could otherwise spend in recreation or with their families to help those in need & they should be valued & appreciated.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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I would like to let you all know. that i DID spend many, many hours and nights looking throuh relevant threads Before i joined and asked any questions. And yes I know it is a self-help forum, and yes I don't expect it to be a FREE legal service which is why I HAVE donated.

I really dont need all this hassle. My priority now is my two little girls, who want to know why their daddy is not at home, and what to tell his employer tomorrow morning,as he has spent all this time not talking to anyone about our problems. And for PT this morning at 6am I had been at the hospital all night...with 2 tired and upset little girls who do not understand any of all this.

M

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I would like to let you all know. that i DID spend many, many hours and nights looking throuh relevant threads Before i joined and asked any questions. And yes I know it is a self-help forum, and yes I don't expect it to be a FREE legal service which is why I HAVE donated.

I really dont need all this hassle. My priority now is my two little girls, who want to know why their daddy is not at home, and what to tell his employer tomorrow morning,as he has spent all this time not talking to anyone about our problems. And for PT this morning at 6am I had been at the hospital all night...with 2 tired and upset little girls who do not understand any of all this.

M

So thats it then, you gonna give up?

 

Or are you gonna fight?

 

I too have children and can understand how your feeling and before anyone comes along as says i could possibly know, well let me tell you i suffered depression and a breakdown myself, and in fact im still on antidepressants

 

I am sure you dont want my sympathy and let me just say i was trying to point out that i was taking a break from my work, work which i started this morning which i may have had finished if i hadn't stopped to look in and try to offer some help and to offer you an olive branch yet it would seem that is not enough? maybe i should just go back to my work eh? what do you think?

 

its up to you, your choice, what do you want me to do do you want us to try and help? or not?

 

 

i think that now is probably not the best time to go over things anyway as you are not in the best frame of mind it seems and that is totally understandable , have a think about this in the morning and see where we are, if you want our help then let us know but please bear in mind that i am in and out of court all next week so my time is limited

 

Regards

paul

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i understand what you are saying

your family is the most important thing at the moment

all i can say is i to was in severe depression. this was brought on by my debts, dca, etc.

like most people , i could not afford a solicitor.

it was cag that got my life back on track.

 

after your family prob start to improve please come back to your thread.

 

all i can say is there is light at the end of the tunnel, i am proof of that

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I'd just like to add that i joined up here in Dec 2006 and am STILL finding threads that are ongoing and yet have been around longer than mine. It's a massive site and it's easy to get lost in the soup sometimes. You just have to shout out a little louder on occasion but there are good folks here to help.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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So thats it then, you gonna give up?

 

Or are you gonna fight?

 

 

Get in there & fight Maria - don't let the b***ds get you down! :)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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I'm sorry but as much as I understand everyone else's response I'm not going to pussy foot around.

 

This poster needs someone to blame & if that means us sobeit.

 

I like many others have given our time free at all hours of the day & night. I for one don't do this because I'm a debtor because I'm not I do it because I want to help & it pee's me right off when I see such comments from someone who demands attention............... Well they won't be getting mine that's for sure

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There are many threads on here and its possible some get missed. Sorry if thats what happened to mariacallas but everyone on here is a volunteer. I do not post replies to threads where I do not have sufficient knowledge to answer.

 

Most of us joined CAG because we were/are sick of the lies and bullying of DCAs and their threat monkeys and we pass on what we have learnt to others. We do this willingly and without financial gain. Reward for me is seeing a DCA getting landed with an unenforcable debt and knowing they cannot CON the alleged debtor any more.

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Even if we've messed up we'd still like to put things right. In fact I insist upon it.

 

I've been back over your earlier posts. From what I can gather the debt is part admitted but the admin charges and interest is disputed. You made an offer of payment in relation to the admitted sum and that offer was rejected. But despite rejection, the court intervened and imposed an order for you to pay £11.28 pcm, received 19 June 2008.

 

In short the disputed amount was subject to trial but the remainder was to be paid at the rate of £11.28 pcm.

 

Where are we right now? Is the dispute debt being prosecuted? Are you maintaining £11.28 pcm? What's the pressing issue?

 

Let me know. Decent answer within 6 hours of responding guaranteed.

 

x20

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I like many others have given our time free at all hours of the day & night. I for one don't do this because I'm a debtor because I'm not I do it because I want to help

 

We do this willingly and without financial gain. Reward for me is seeing a DCA getting landed with an unenforcable debt and knowing they cannot CON the alleged debtor any more.

 

maybe i should just go back to my work eh? what do you think?

 

 

Please, you guys, do not desert us 'cos of one disenchanted, frustrated member.

 

You must be aware from both the personal & public comments you receive that the VAST majority of this forum value your opinions & advice.

 

Mariacallas' comments seem without foundation but her desperation is understandable if not her attribution of 'blame' & your own outrage & indignation at her remarks is justifiable.

 

However there is no doubt that CAG works for the 'little' man who does not have access to money & resources & without it there would be nobody to champion his cause or shout for his justice & rights against the 'big boys'.

 

Please continue to support us...

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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please spoon feed me..and if i dont like or understand what i read i'll blame CAG and call them names...............

anyhow, sorry but not my field all this court stuff.

 

dx

 

Mariacallas,

 

so i am not ignoring you nor are any of the other users and i am personally quite offended by the first post on this thread

 

I'm sorry but as much as I understand everyone else's response I'm not going to pussy foot around.

 

This poster needs someone to blame & if that means us sobeit.

 

I like many others have given our time free at all hours of the day & night. I for one don't do this because I'm a debtor because I'm not I do it because I want to help & it pee's me right off when I see such comments from someone who demands attention............... Well they won't be getting mine that's for sure

I'm really disappointed at some of the responses that the OP has received. I understand why pt2537 may have felt offended, but I'm sure the OP was and still is worried and feeling as if she was being ignored.

The problem with living with someone suffering from depression is that at times everything else has to be put on hold and that is most probably why the OP did not continue with the other threads.(I know from experience as my husband had a breakdown when our 4 children were aged between 2 &7).

As to this being a self help site, while this is true and there is a lot of information available, it's not always easy to find the exact information you need as many veteran caggers have proved by posting requests for help and information.

Please note: I have no qualifications in this area and any advice offered is given in good faith.

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

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Where are we right now? Is the dispute debt being prosecuted? Are you maintaining £11.28 pcm? What's the pressing issue? That is what we would all like to know, if we did we would have answered!!!!!!!

 

Let me know. Decent answer within 6 hours of responding guaranteed.A decent answer? whats that supposed to mean? we have given decent answers on the thread and had no replies to requests for more info,comments like that get right up my nose and are really unhelpful

 

x20

:mad:
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Please, you guys, do not desert us 'cos of one disenchanted, frustrated member.

 

You must be aware from both the personal & public comments you receive that the VAST majority of this forum value your opinions & advice.

 

Mariacallas' comments seem without foundation but her desperation is understandable if not her attribution of 'blame' & your own outrage & indignation at her remarks is justifiable.

 

However there is no doubt that CAG works for the 'little' man who does not have access to money & resources & without it there would be nobody to champion his cause or shout for his justice & rights against the 'big boys'.

 

Please continue to support us...

I have no intention of leaving. I did not respond to Mariacalls's original thread as I thought based on the limited imformation she had goven she got a fair answer. Despite several requests for more info she did not respond. I did not see any point in responding as it was not a subject I felt confident in responding to.

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I think its obvious that marie was upset when she made her opening post and probably made it in haste.

Although we all acknowledge that this is a self help group some people (myself included) seem to need more help and reassurance than maybe some others do.

 

I know I have posted sometimes and not had a reply and felt quite desperate about getting someone to read through my post. I dont know why but sometimes if dont get a reply I start to worry that maybe I have offended or upset someone. I know its not logical thinking but thats what worry can do to you. I think that the more you learn from this site the braver you become, but that in a way has a double edged effect. In my case (or cases!!!!) I have been reading everything and although it fires you up to stand up to these people, as you learn more and take more on you also start to doubt yourself and wonder if you have bitten off more than you can chew.

 

I think this is a great site and I will be forever grateful to a lot of people who have continually helped me in many different ways. Without in any way undermining the help others have given, (and there are many I could mention but wont because if I leave someone out I would feel awful) I do have to say that I owe PT a great deal of thanks. The time and effort he puts into helping on this site is amazing. I always look who is onsite when I log on and its rare that he is not on. However I also think that he has become a victim of his own sucess in a way, the more he does, the more that is expected of him.

I think we all have to be more appreciative of all those who help. I think we also have to realise that everyone starts somewhere and while I will not post a reply unless I am certain that what I am posting is correct there are occasions where I have read replies that have been posted with the best intentions but are not always giving accurate information, which is where it becomes important to read all you can.

 

This is where the 'clique' problem comes in. As you become more conversant with the site some names become familiar. You then fall into the trap of wanting your post to by responded to by the familiar names you have come to trust. Obviously those names could not possibly respond to every post made and so its easy to start to think 'whats wrong with my thread?' when they dont respond.

We have to remember that these people give thier time freely and although it would be nice to have them all sat round a table waiting for us to post it isnt going to happen. Therefore we have to appreciate what help we do get from this site because I for one (and Im sure I speak for many others) would be lost without it.

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Hey slow down there PT. That 'really unhelpful' of yours has you beginning to sound like Maria! The comment I made was simply to let Maria know that if she let us know what the position and the pressing issue was right now, she'd get a decent answer. There wasn't a trace of criticism of anything that had gone on before!

 

I think your response illustrates the difficulties we operate under. We all want to do our best but we only have text to go on and often that's not enough to get either the correctly phrased question or the answer across in a way which is clear and understandable to everyone.

 

x20

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