Jump to content

  • Tweets

  • Posts

    • Thank you Bankfodder.  I used the term frustrated agreement purely based on my own research and what I found on the Govt's website, especially in relation to Covid.  My situation appeared to fit but if it doesn't, it doesn't. The length of time the actual works themselves will take is not written into the agreement but I was told 2 weeks, they are doing the interior ceiling and electrics too. I was prepared to accept the new date of 7th Dec until I was told I couldn't speak to their Director for two weeks and then found out that they haven't applied for building regulations yet, this is something else they are doing on my behalf.  As they can't order anything until they have the regs through I can't see how the roof is in the process of being made (which is what they keep claiming). I contacted the CAB as I wanted this wrapped up for the weekend and had two conflicting recommendations on this forum.  One to just let the credit card company handle things and others saying I must give more time.  I'm not complaining, am grateful for advice - just getting more and more confused as to what I can/can't do. If I can avoid it at all I would rather not go through another 6 weeks of this, waiting for them to prove that they can't manage the Dec.date.  By that stage it could well be feasible that the roof is in the manufacturing stage, where as at the moment it can't be, which would further complicate things. Based on all this and what the CAB said I sent the email below last night and received Homeview's response this morning. If it came to it that I retracted what I've said and allowed them to go ahead for 7th Dec. and they didn't manage that date, wouldn't it be the credit card company that would recover the deposit - not me?  BTW I raised a dispute with Capital One last night. Email.pdf
    • oh dear  i think you are in for a big shock   i doubt very much the loan is settled there will be £100's in unlawful fees i bet   we have numerous threads here about them in 2016 they were residing at   PO Box 1044 ipswich IP1 9YA   i would be sending them an SAR  don't ever ring them.   have you checked your deeds online recently? check they are on there. and has the loan ever been subject to legal action?   if not that would be a rare thing to us.   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Skye Loans&oq=Skye Loans&gs_l=partner-generic.12...0.0.1.951169.0.0.0.0.0.0.0.0..0.0.csems%2Cnrl%3D13...0.0....34.partner-generic..1.0.0.1dXrS2w9t2c    
    • doesn't say will anything. read it properly and carefully.   only the owner of a debt can get one of the many fake/tame paperwork only solicitors to issue any proceedings and they would have to abide by the courts pre action protocol of 30  days letter first!   as it's owner...i can try and instruct my dog to sit, if it does is a totally different matter. if my neighbour, who doesn't own my dog, tries it, it would ignore them.   the bottom line is there is nothing anyone can do to you. gyms don't do court gym debts don't appear on credit files.   any DCA they might get to write to you ARE NOT BAILIFFS any a DCA has ZERO legal powers on any debt, no matter what it's type.   dx    
    • This letter arrived in the post today, please advise how to proceed. I know the forums say they won't action but am very worried about this
    • go save his bacon clint and put him right...   dx  
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Locked in car park


Please note that this topic has not had any new posts for the last 3334 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

  • Replies 2.8k
  • Created
  • Last Reply

Top Posters In This Topic

One thing that I don't think anyone has asked you yet Pat, are you still attending classes?

I've never been a student at Plymouth College of Art.

Fred was a part-time student, but the unfortunate barrier incident ended his short career there.;)

Link to post
Share on other sites

I see you're in my neck of the woods, Conniff Have you ever had the privilege of being a Plymouth College of Art student?;)

Edited by Patma
Link to post
Share on other sites

I ment Fred, sorry. I hope it wasn't a paying course, if so, has he applied for a refund of non used fees. Now that would really make them spit out their coffee reading that out in the staff room.

 

If he can't get a refund, he could apply for a course in 'mechanical engineering' :)

 

No, but used to pass it most days and a neice did a course there, I don't think auto barriers had been invented then.

 

I went to the Polytech in North Hill though.

Link to post
Share on other sites
I ment Fred, sorry. I hope it wasn't a paying course, if so, has he applied for a refund of non used fees. Now that would really make them spit out their coffee reading that out in the staff room.

I guess it would.:lol:

 

No, but used to pass it most days and a neice did a course there, I don't think auto barriers had been invented then.

 

I went to the Polytech in North Hill though.

It's a small world.

You'd think barriers hadn't been invented yet to look at the sorry state of Fred's barrier now. They seem to have had a few problems keeping it intact:eek:

Link to post
Share on other sites
Plymouth College of Art student surely? :-)

Quite right, Bedlington.Thanks for reminding me. All present and correct now.:D

It was rather late and what I meant to ask Conniff was whether there was any chance he'd been a student of Plymouth College of Art, the very establishment which has taken one of it's own students to court for allegedly damaging it's car park barrier and then because it had no justifiable case has used it's not inconsiderable artistic ability to be extremely creative with the truth and to hound that student for over three years (That is a true statement and backed up by proof;))

Link to post
Share on other sites

This business of running up massive costs for a small claims case seems to be a new strategy implemented by Lyons Davidson. It appears a year or two back they were actively discouraging people from litigating in instances where the solicitors fees were likely to outweigh the potential return to the plaintiff.

 

Mind you at the rates they charge any premium payable on top of the policy for legal cover would be eaten up simply by reading the first letter you wrote them so maybe it just wasn't profitable enough for Lyons Davidson to pursue that claim and never mind the policy holders best interests??

 

LINK

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

Link to post
Share on other sites
This business of running up massive costs for a small claims case seems to be a new strategy implemented by Lyons Davidson. It appears a year or two back they were actively discouraging people from litigating in instances where the solicitors fees were likely to outweigh the potential return to the plaintiff.

That's interesting, TLD. You mean they used to act in a sensible way, but for some unknown reason they've gone kamikaze?It's very strange behaviour for a firm of solicitors, they usually watch the bottom line very carefully.If they've taken this approach with many other cases, they'll go the way of another company involved in Fred's case,before too long, Universal Security UK Ltd.:D

Link to post
Share on other sites

Well Patma I think the posters answer to Lyons Davidson should have been 'And what's that to me, I've got legal cover insurance so win, lose or draw I won't be paying your fees'?

 

So I'm not entirely convinced that the response from Lyons Davidson was in the best interests of the poster who was denied the chance to seek recompense despite them holding legal cover insurance on the strength of a decision most likely made by the provider of that insurance policy. It certainly appears from reading that thread and other similar threads that the legal cover offered by some of the companies out there is right up with all the other insurance policies that you are supposed to just pay a premium and never collect upon such as the various vehicle warranties and certain sickness plans.

 

Lyons Davidson could well have run up costs far in excess of the claim value and in the ideal world (the World lets face it that you are led to believe exists when you sign up to this insurance) the insurer would have been obliged to meet any surplus not recoverable from the defendant.

Where the claim is not subrogated vis a stooge third party against whom the solicitors can claim costs in the event of an adverse judgment it appears that insurers are just a little more reluctant to enter into litigation.:sad:

 

This quote from another thread here says much about the whole insurer client scene:

 

Just to say about Lyons Davidson, yes they are very big and seem to be recommended by a number of insurance companies.

 

I think you would be best to drop Lyons Davidson and start looking for a decent solicitor who specialises in personal injury. Certainly a solicitor that is small enough to care about you as a person, not just another 'file on the desk'

 

I say this because I have a friend who was involved in a car accident and has been unable to walk without the aid of a stick ever since. Like yourself the accident wasn't his fault, in his case a driver jumped a red light and hit him side on. Sure enough his insurance company recommended Lyons Davidson and of course probably like most people he went with it. Your comment "I just want it all resolving swiftly and for me not to be out of pocket!" probably rings true for most people, the reality of it is of course that injury claims take time, and Lyons Davidson are probably slower than others due to the volume of work they must have, with all the insurance company referals they get!

 

 

However to cut a long story short it has been 3 years since my friends accident and it has been an uphill stuggle for him all they way, Lyons Davidson were slow at doing anything, didn't return his calls etc.. so much so in the end he got rid of them and appointed a new solicitor, who so far has been much more pro-active about getting things done.

 

 

Remind me again how long have Lyons Davidson been dealing with this 'simple' small claims case? No wonder their costs are so high, this should really have all been done and dusted in months!!

Edited by Toulose LeDebt

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

Link to post
Share on other sites

 

Well Patma I think the posters answer to Lyons Davidson should have been 'And what's that to me, I've got legal cover insurance so win, lose or draw I won't be paying your fees'?

 

Good point, TLD. I see what you mean.

There's a very close relationship between insurance companies and Lyons Davidson, which as you point out is definitely not in the interests of the customer/client.

Remind me again how long have Lyons Davidson been dealing with this 'simple' small claims case? No wonder their costs are so high, this should really have all been done and dusted in months!!

They first wrote to Fred in September 06 I believe, so it's 3 years and counting.

Link to post
Share on other sites

They first wrote to Fred in September 06 I believe, so it's 3 years and counting.

 

 

So as according to the latest order costs matters will be addressed at the November hearing, I trust Fred will be highlighting the appointment of the Private Detective agency, all those vehicle reports from MIDIS and DVLA etc. and quite a large number of other items in their costings as wholly unreasonable coming as they did not prior to commencement of proceedings (as would be normal when means testing to assess a parties ability to pay) but just under THREE YEARS AFTER Lyons Davidson took on the case!!

 

Three years during which the vast majority of the rather large costs presented by Lyons Davidson had already been incurred!!!

 

A little late you might say.

 

Of course all these more recent long letters, applications and extra hearings that Lyons Davidson are so keen to avoid must be ratcheting the costs right up for somebody (I'm guessing Plymouth College of Art) but they weren't to know at the time they authorised a financial investigation of Fred that their case was about to go horribly wrong. There are strong indicators in their costings that Lyons Davidson have acted as though they were given carte blanche to run up costs.:|

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

Link to post
Share on other sites

Very true and all this hounding of an innocent person reads like a bad dream when you contrast it with the ethical policy of the corporation and governing body of Plymouth College of Art.

http://owl.pcad.ac.uk/files/documents/corporation/1e.%20%20Code%20of%20Conduct/Code%20of%20Conduct%2002.08.pdf

 

Check out the Aims and Values section especially 3.2 and 3.3

Link to post
Share on other sites

That was a real scream who writes their material!!!:D:D

 

Has Fred actually made a formal complaint about his treatment to the Governors of Plymouth College of Art and to Plymouth City Council? I know there have been a few 'off the record' mutterings about the goings on at Plymouth college of Art but with the litigation now drawing to an end would it be worthwhile making a formal complaint to the college and the council, possibly even going as far as to make it reasonably personal and mentioning George Dexters part in the proceedings seeing as it is his hand involved at every stage and on almost every document a number of which have been alleged to the Court by Fred as being false instruments?

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

Link to post
Share on other sites
Very true and all this hounding of an innocent person reads like a bad dream when you contrast it with the ethical policy of the corporation and governing body of Plymouth College of Art.

http://owl.pcad.ac.uk/files/documents/corporation/1e.%20%20Code%20of%20Conduct/Code%20of%20Conduct%2002.08.pdf

 

Check out the Aims and Values section especially 3.2 and 3.3

 

 

Ironic that when I clicked on the link........

 

 

 

owl.pcad.ac.uk:443 uses an invalid security certificate.

 

The certificate is not trusted because the issuer certificate is not trusted.

 

(Error code: sec_error_untrusted_issuer)

Link to post
Share on other sites

Has anyone seen "The university of bums on seats"?

 

http://www.cynicalb*****ds.com/ubs/

 

Oh, the web address gets censored. I think most people can guess how to complete it. Otherwise google "The University of Bums on Seats".

 

From what we've seen in this thread, I wonder if the character of "Senior University Bloke" Ron "The Razor" Richards is relevant somehow. Look at his exploits in "Skidmark".

Edited by Annoying Twit
  • Haha 1
Link to post
Share on other sites
That was a real scream who writes their material!!!:D:D

 

Has Fred actually made a formal complaint about his treatment to the Governors of Plymouth College of Art and to Plymouth City Council? I know there have been a few 'off the record' mutterings about the goings on at Plymouth college of Art but with the litigation now drawing to an end would it be worthwhile making a formal complaint to the college and the council, possibly even going as far as to make it reasonably personal and mentioning George Dexters part in the proceedings seeing as it is his hand involved at every stage and on almost every document a number of which have been alleged to the Court by Fred as being false instruments?

No he hasn't yet made a formal complaint, but I think he should. If he doesn't there's a whistleblower procedure that anyone can use, pass the whistle please ;)

Link to post
Share on other sites

I think we should all write letters of complaint to Plymouth college of Art and Design, that we have been made aware of unethical conduct by their staff.

 

Education is paid for nationally isnt it?

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

Link to post
Share on other sites

THAT is an excellent idea, nats. :D

 

Lets see what the Principal has to say about the unprincipled actions of his minions.

 

Maybe copy the head of education at Devon County Council and the Secretary of State for Education as well.

Link to post
Share on other sites

I wonder what the "a couple of legal actions" that were underway in 2006 were.... And if any of them has been discussed further with the audit committee yet.

 

http://owl.pcad.ac.uk/files/documents/corporation/1h.%20%20Audit%20Committee%20Minutes/Audit%202006%20-%206%20December%20Final.pdf

 

correctly.

Page 11 – there were a couple of legal actions being taken. At this stage,

the College’s view was that no disclosure in the accounts was required. The

only reason to disclose would be if these legal actions were going to have a

large financial impact.

Edited by Annoying Twit
Link to post
Share on other sites
Maybe copy the head of education at Devon County Council and the Secretary of State for Education as well.

 

As far as I am aware, a college is not responsible to or funded by the County Council. It is an autonomous body funded by the LSC.

 

As it is further education, it has nothing to do with the SoS for Education, it will, I believe, come under Lord Mandleson's fiefdom, along with the universities.

 

If you intend to fire off letters of compliant, then you must first select the correct targets.

Link to post
Share on other sites

Please note that this topic has not had any new posts for the last 3334 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...