Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
    • Yes it doesn't work HB  In Wales someone needed a test on a Sunday, the testing station at Llandudno Hospital was closed, so they could either go to Manchester, 75 miles, or Cardiff 200 miles and a 10 hour round trip.   But as Manchester is England no guarantee on getting test results.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
style="text-align:center;"> Please note that this topic has not had any new posts for the last 4036 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

If someone finds themself in a dispute with a local council, and after an unsatisfactory decision the relevant department says that on such matters they do not have any appeals procedure in place (but refers the matter to one more manager who might unilaterally look at the issue again), is it proper and legal for the council to take decisions in an area for which they do not administer or provide any appeals procedure???

 

Or is it maladministration or some other lapse, to in itself make decisions without offering an appeal procedure? Is it legal and constitutional to run a council department in that way?

Share this post


Link to post
Share on other sites

Your comments are too vague to provide advice on!!

 

However, you can complain to the Local Government Ombudsman...

 

http://www.lgo.org.uk/


If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Share this post


Link to post
Share on other sites

Why are the comments vague? It is specific even if generic:

 

a. Constituent applies for something from the Council.

b. Council refuses without addressing most of the issues raised, and in fact without justifying or supporting or explaining the basis of their decision.

c. Constitutent confirms that the refusal is not satisfactory.

d. Council states in response, it is possible to appeal to another office which will arrange for a hearing before an appeal panel.

e. Constituent requests appeal this but is told that in fact there is no appeals process in place for those types of Council decisions, but possibly one manager may be willing to look at it again (not independent and not a panel).

Share this post


Link to post
Share on other sites
Why are the comments vague? It is specific even if generic:

 

a. Constituent applies for something from the Council.

b. Council refuses without addressing most of the issues raised, and in fact without justifying or supporting or explaining the basis of their decision.

c. Constitutent confirms that the refusal is not satisfactory.

d. Council states in response, it is possible to appeal to another office which will arrange for a hearing before an appeal panel.

e. Constituent requests appeal this but is told that in fact there is no appeals process in place for those types of Council decisions, but possibly one manager may be willing to look at it again (not independent and not a panel).

 

It does depend on what was applied for and the laws relating to that request.

 

For example, I wouldn't expect an appeal panel to be held because the council refused to fill in a pothole because it wasn't deemed warranted.

 

But other areas such as education, social services, housing etc may be totally different.


If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Share this post


Link to post
Share on other sites

Thanks Welshmam. It has to do with school transport.

Share this post


Link to post
Share on other sites
Thanks Welshmam. It has to do with school transport.

 

I can't actually see anything in s509 of the Education Act (which deals with transport) to say that local authorities must have an appeals process, in the same way as for school admissions.

 

However, it appears to be fairly commonplace to have such an appeals panel and many local authorities do have these.

 

Do you have a copy of your local school transport policy? Does it mention anything about an appeals panel in there?

 

If you can't get any joy I would be inclined to write in with a corporate complaint to the Chief Executive and the Cabinet Member for that Service Area (details should be on their website) asking them to explain why you have been denied the opportunity for an independent appeal and also, why such a process appears not to exist, unlike many other local authorities.

 

Best of luck with this....sorry I couldn't provide a definitive answer!!


If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Share this post


Link to post
Share on other sites

Thanks WelshMam; your insights have been helpful.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...