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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
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Emma Royd v Alliance & Leicester (MBNA)


Emma Royd
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Sent a CCA request on friday 25th July by recorded delivery. Got this back on Friday 15th August (yes I know it's September but i've been burying my head in the sand)

 

Could someone take a look over it and advise please.

 

Reply letter

http://i399.photobucket.com/albums/pp79/EMMAROYD1/scan00101.jpg

 

Agreement

http://i399.photobucket.com/albums/pp79/EMMAROYD1/scan0002-1.jpg

http://i399.photobucket.com/albums/pp79/EMMAROYD1/scan0003.jpg

 

also got printed terms and conditions. This is page 1 of 4 i've received. http://i399.photobucket.com/albums/pp79/EMMAROYD1/scan10001.jpg

Notice the £12 charges and i've had this card for over ten years

 

cheers

 

Emma Royd

xx

Edited by Emma Royd
added terms and conditions
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it looks ok

what was the point in the CCA request?

is this an old debt that you are being chased on or were you hoping to avoid something?

there must be charges etc levied against the A/C? p'haps an SAR would have been better?

 

more info please

 

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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it looks ok

what was the point in the CCA request?

is this an old debt that you are being chased on or were you hoping to avoid something?

there must be charges etc levied against the A/C? p'haps an S.A.R - (Subject Access Request) would have been better?

 

more info please

 

dx

 

 

How does it look ok? There are no terms or conditions on the items she was sent back. It looks to me like an application form from what I can see.

Beating the DCA's day by day

 

My fight:

NDR - CCA'd 12+2 passed

Bank of Scotland - CCA'd 12+2 passed

CFS - Win by Technical Knock-out!:lol:

HFC Bank - CCA'd 12+2 passed

Chantry Collections - CCA sent

 

Time flies like an arrow

Fruit flies like a banana :D

 

<---------- Have I given you top advice, have I made you laugh, click on the scales, it won't hurt you! :grin:

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more info please

 

Same reason as with cap1 and alliance and Leicester

 

I got made redundant on 16th May and had being paying PPI. I tried explaining my circumstances and that my only source of income was the benefits i'm receiving and would they put my account on hold for a while whilst insurance claims pending. They wont listen and keep bombarding me with phone calls and the usual letters and now my account has gone into default. Oh and the insurance still wont pay out and i'm still fighting them over it.

 

Posted on here a few weeks ago and was advised to send my creditors CCA requests.

 

hope this helps

 

Emma Royd

xx

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it looks ok

 

Do you mean it looks enforceable?

 

or were you hoping to avoid something?

 

I'm not trying to avoid anything. I don't disagree that I owe the money but I was asking for a little breathing space after being made redundant and them sorting out my insurance claims. I'm still fighting the insurances nearly 4 months down the line and in the meantime the totals on my accounts have spiralled out of control with charges for this and charges for that being added all the time.

 

I would like to claim the charges back but i'm struggling to find the £10 for each creditor at the moment.

 

Emma Royd

xx

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How does it look ok? There are no terms or conditions on the items she was sent back. It looks to me like an application form from what I can see.

 

its diff to see what has been removed or not, to hide personal details, as the image is blurred, also the post says terms and conditions were inc separately, there is a very big thread on this site that details the good and the bad...maybe that will help better.

 

i think this case rides on the issue of PPI, the left leg of the company needs to tell the right leg that there is a pending claim, or p'haps a letter pointing to this [obvious] fact to us.

 

keep us informed

 

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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its diff to see what has been removed or not, to hide personal details, as the image is blurred,

 

the document they sent me is of very poor quality. All i've done is tipexed out my signature and my name and address and work details on the application bit.

 

The insurance company is seperate from Alliance(mbna) and i'm starting to think they are draggin their heels on purpose. They keep sending me forms, which I then have to send to the jobcentre, who send them back, which I return to the insurance company, who then keep telling me they want more information. Its a total nightmare and i've got this goin on with four different creditors

 

Emma Royd

xx

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aw.. this PPI thing is a real nightmare, they take it when you dont want them too, or they insist you have it or you wont get credit.

if you have a rightful claim they drag their heels.

whatever you go, PPi seems a dog.

 

i really do hope you start to get a brighter light at the end of the tunnel with this.

 

i suppose the only saving grace is they are just charging themselves more, 'cause i think you have a good case of getting the various PPI's to pay out here, you appear to tick all the right boxes for qualification on a payout.

why can't they just get on with it?

 

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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  • 2 weeks later...

UPDATE

 

ok guys wasn't sure the CCA was enforceable or not so thought i'd send them a non compliance letter on the off chance. If anyone has the time could you please have another look for me in post #1

 

 

Anyway this is the letter I received in response. It was dated the 8th so i'm leaving it late as they say I have until the 18th which is tomorrow.

 

http://i399.photobucket.com/albums/pp79/EMMAROYD1/scan440002.jpg

 

 

any thoughts and advise what to hit them back with would be greatly appreciated

 

thanks

 

Emma Royd

xx

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Hi,

 

I'm in the same boat with A&L...Pastel shaded envelopes with threats inside etc...:)

 

So, we can't see anything from that agreement can we? So it's illegible for a start, which is against the rules....:)

First question is: are the prescibed terms within the 4 corners of the signature document?

 

Does it have APR, repayment amount, credit limit, repayment amounts?

 

I can't see them to be honest. If they claim that they are contained within the T&C - Does the T&C relate to the front page? No, as the original terms were full of charges for 25 quid...

 

So, they may have complied with the requirement to supply a true copy of the agreement - So they are not in default of the 1974 regs and your request bfor a true copy, however that does not change the fact that the agreement may be unenforceable...

 

They have sent you the minimum they are required to by law, but in order to enforce they must produce the original in court and it must have ALL of the prescribed terms...

 

Mine doesn't so I sent a letter telling them so - i.e. illegible, missing the prescribed terms, T&C's that didn't relate to the original agreement, missing pages etc.

 

They sent me a letter saying the same as yours - So I sent the my letter again, the same as the last one...I got the same letter as you back, again...Now I just ignore it all...

 

I'm not sure if this any help to you, but I really am not going to take them seriously until they take me to court - which they may or may not...If they do, I'm pretty sure they will loose...

 

All I'm saying really is that there is no need to panic, you have all the time in the world - It will be ages before they do anything definative..Mine has been going on for 5 months now and I still get the same letters as you...

 

So I would simply send them the same letter as you sent them last time and then leave it at that...IMHO..But canvass a little more opinion before comitting to anything...But good luck anyway..And I'll help in anyway I can..Laters...M

  • Haha 1

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

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Emma, the prescribed terms are definitely missing and the T&C's are clearly the most recent ones, not the ones that existed when you applied. See my draft letter on your capital one thread.

 

Good luck.

 

BTW - Were you told that you needed the PPI to get the card?

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Thanks Multay and smt37

 

Smt37 thanks for the draft letter on Cap One thead. Think i'll send it to A & L for good measure. Had a couple of phone messages off them in the last few days asking me to ring them.

 

 

BTW - Were you told that you needed the PPI to get the card?

 

To be honest I can't remember I've had this card at least ten years. I looked through all A & L paperwork I have the other day looking for T & C's regarding the PPI and all I can find for that are recent ones.

 

I've emailed my MP as advised on another thread regarding PPI's not paying out amongst other things and i've had reply back from his secretary saying he'll be in touch shortly. Should I mention this in my letter back to A & L ?

 

cheers

 

Emma Royd

xx

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I was thinking that if your outstanding balance is less than the PPI you have paid and you were mis-sold it, you may be able to claim it back and reduce the balance to zero anyway.

 

Actually, you could do that once they've agreed to write off the debt because there is no CCA - and then claim the PPI back :)

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thanks again smt37

 

had a little help from some guardian angels today. They've helped me with the last lot of insurance bumph so hopefully that will kick them into paying out at last.

 

I do plan to go for charges but at the moment I can't afford to pay for the SARs

 

Emma Royd

xx

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:-D:-D:-D:-D:-D:-D:-D

 

The help I got from the guardian angels worked !!!!!!

 

just got a letter from Alliance & Leicester insurance to say they are making a payment of £1082.20 to Alliance & Leicester credit card for the period 19/05/08 to 15/09/08.

 

I've also received this http://i399.photobucket.com/albums/pp79/EMMAROYD1/scan05001.jpg

 

sent them a letter which smt37 kindly posted on my other thread yesterday by recorded delivery in reply to a similar letter I got last week.

 

Now i'm not sure where to go from here seeing as they are paying out on the insurance. Do I still go up the CCA route or is it now time to SAR them? Over the last four months they have slapped me with loads of charges and default notices. Would it be a good idea to check my credit report?

 

I suppose what i'm really asking is can I get them to remove all the crap they've slapped on me since May 19th whilst this insurance claim was pending?

 

any advice would be much appreciated

 

thanks

 

Emma Royd

xx

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I suppose what i'm really asking is can I get them to remove all the crap they've slapped on me since May 19th whilst this insurance claim was pending?

 

Why don't you ask them - very politely but very firmly. See what they say. If yes then all is well. If no then wheel out the big guns.

  • Haha 1

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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