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    • Not sure about the lease read through all the documents i have and couldnt find anything about parking. Contacted the management Office to get a copy sent to me. When i complained to them about the ticket they told me to appeal so they clearly don't care.      and yes it's a gated underground parking area with key fob entry. 
    • The coronavirus pandemic has thrown many countries into recession - but what exactly is it and how could it affect you? View the full article
    • Oh and before bed   Officially leaked statements about a PHE report claiming that a UK study will say there is little evidence of children transmitting Covid.   Leakers stats look impressive until you realise he's on Johnson's SAGE so makes you think - huh - hows that then when all the science I've seen says different, and there are a number of reports of spreads in schools across the world from schools that had opened.   Then, little as the information 'leaked' is, you see   "largest studies in the world on coronavirus in schools" and then "The study was carried out in 100 institutions in the UK and is expected to be published later this year. About 20,000 pupils and teachers in 100 schools across England were tested to monitor the spread of the disease up to the end of the summer term – which runs from April-July in Britain."   Then you click. That averages 200 pupils and staff per 'institution' checked We dont know what these institutions are, but I think over 200 is the average for infants schools. Other schools tend to be FAR larger. Did they test everyone at each institution, or just some ??? we don't know yet - they are choosing not to leak that - Wonder why?   We currently understand that younger children (pre teenage) seem to present few/less symptoms  (statistically) but large increases in teenager covid has been reported as lockdowns ease and they start to meet more.   I know my OH's grandson (mother a nurse) has remained at school in classes one third or less that normal, with the majority of kids having front line worker parents - so well aware of the discipline and hygiene necessary. We know the schools maintain distancing, monitoring and maintenance which would be IMPOSSIBLE in normal class sizes.   So in a lock down situation, with class sizes significantly lower than normal (highly aware front-line workers kids mainly), increased distancing and cleaning made possible by SIGNIFICANTLY smaller class sizes - Has maybe resulted in no great evidence of covid spread perhaps?   Well Whoopy do. Lets ramp the class sizes back up to 30+ and see what happens ..     Lets let the mail lead the way Coronavirus infection rates are rising in ALL age groups under 65, Public Health England data shows with biggest surge in under-fives which 'should be watched very carefully' https://www.dailymail.co.uk/news/article-8615423/Coronavirus-infection-rates-rising-age-groups-65-Public-Health-England-data-shows.html     and the ONS stats showing how similar the stats are (a statistically significant  difference can be very little actual difference)   https://www.ons.gov.uk/peoplepopulationandcommunity/healthandsocialcare/conditionsanddiseases/articles/coronaviruscovid19infectionsinthecommunityinengland/july2020     Notes: These statistics refer to infections reported in the community, by which we mean private households. These figures exclude infections reported in hospitals, care homes or other institutional settings.  
    • i understand and agree you should write a formal letter of complaint about the email by royal mail.   i also think you should totally dispute the arrears balance, esp as it goes back so long   send them an sar and add to the text in it that you want statements/bills dating back to the gb energy a/c.
    • When you see the reports coming out that serco was involved from the earliest stages apparently to give expertise   and that resulted in 18 million plus people coming back into the UK untested from hotspots .. and then even the general advice to self isolate after they had travelled across the UK home being withdrawn in the run-up to the lock down   That went well says cummings      
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    • 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 
      • 16 replies
DDWales

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My story..had a Mastercard from Natwest which was passed on to I.J.

From all the knowledge gained on this site (and from help from various Caggers:)) I have had fun with these people who are in my opinion one of the worst DCAs ive ever had the misfortune to come across-although im reliably told that Lowells are worse;)!!

But its fantastic what a little knowledge can do. I dont get any telephone calls and any letters recieved with 'we are going to increase the amount you have to pay' are sharply met with 'yeah...right' and im left alone. All thanks to CAG!!! :D:);)

 

Im happy to pay the monthly amount off as it is small but id like to take things one step further so need just a little info. Im going to do a SAR but to who do i send it to Natwest or I.J? Im pretty sure i have alot of charges on this account so id like to get this off asap. Cheers! :)


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Cheers! Will do:)


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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You shouldnt be paying anything at all if it hasnt been authorised by a county court 1st.

Demand full refund for what youve paid already, then report them to the OFT.

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You shouldnt be paying anything at all if it hasnt been authorised by a county court 1st.

Demand full refund for what youve paid already, then report them to the OFT.

 

Really? Im confused. I did not know this. I cannot recall any letters sent to me stating from ethier NW or IJ saying that this had been authorised. How can i find this info out? This is very interesting!:cool:


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Its plain & simple really...if the whole thing wasnt authorised by a county court, then they will not have been legally entitled to a penny off you in the 1st place.

Any monies youve paid have just been as a result of threats etc..

There are laws against that type of thing last time i looked?

I would enquire to them about this & demand proof as to weather it had been to court or not.

If not..demand full refund & report them to all the authorities etc..

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Ok willl do. Are there any template letters on here to send to these people?


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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Hi, if you know you owe the debt and are happy to pay it off at what you can afford (CAG do not condone avoiding paying your debts) then you should carry on doing that. You can also start the process of reclaiming charges applied to the account which is where the SAR comes in as you should receive all information they hold on your account (including a copy of the original signed agreement).

 

If a DCA demands payment which is in excess of what you can afford they cannot force to you pay what they demand - the only way you can be forced to pay is if they were to take you to court and the judge orders you to pay (but the court will only order you to pay what you can afford). However, they would be very silly to take you to court when you are paying regularly so in reality they are just making empty threats in the hope that you increase your payments.

 

If you genuinely feel that the DCA's are behaving outside of the OFT guidelines then you should report them to Trading Standards in the first instance.


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Thanks Ell-enn. Will find out whats what first but will definately SAR Natwest then take it from there. My guess is that the money owed will be wiped out due to the amount of charges :D.

Up until recently i have always thought that when banks/DCAs tell you you have to pay what THEY say a week/month then that was it. Every time ive said i couldnt pay/increase the amounts ive then been threatened with the usual nonsense and caved in due to lack of knowledge :eek:..now i know better:).

 

If anything naughty does go on from here on in then TS will know about it asap:cool:

Edited by DDWales
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DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Just to update.

I.J are keeping things sensible so no CCA going in as yet ;) Had a very strange phone call from them...basically telling me that my current repayments are fine and thats it-what a strange lot they are!! Knew that already!!!??? :rolleyes:

I also SAR'd Natwest last week with regards to this (recorded delivery of course) which is now up in Edinburgh with them so waiting for the response.

Will keep you updated as and when


If you believe that this post has helped in any way please click on the star to the left

 

DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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