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    • Hi,  I'm new here, and hoping that this is the right place to post this.   I applied for pip and was awarded standard mobility (10 points).  I did an M.R. but got the same result. They acknowledge that I can't leave my house without having someone with me. They accept that I'm not completely housebound as I go out to appointments, which are not a regular occurrence, they also said that they can't award me enhanced because I'm not out most days.  Is this correct?  Surely it shouldn't matter how often I go out? 
    • The Legal Ombudsman has a wider remit than the SRA, and can always refer matters on to the SRA where they find a breach of the SRA's code.   I'd suggest writing to the solicitors, highlighting these issues, asking them to refund the money. If they don't then complain to the LO.
    • Good morning all,   I have an update for you all, shortly after my first hearing i was told i would need to have a rehearing with another company, Obviously i agreed but after the initial grievance hearing the person then asked me to enter into a private conversation, I have received the settlement offer and are disgusted as its not even half of my monthly  salary, I'm not sure what to do at this stage as i dont have the funds to finance a solicitor,so any advice would be appreciated.  
    • Sorry, but what does this mean?   Who are ARC? It would be helpful if you could be a little bit more clear about what happened. I don't understand why you are not simply proceeding against Amazon – because it is clearly their responsibility as it was their driver or courier company
    • I understand that you were involved in a contentious divorce in respect of which there was a bill for court costs – £850. You decided to challenge the costs in court and you lost and an order was made against you. We decided to appeal the order but before the appeal was heard, the solicitors made you a without prejudice offer of a 50-50 split – £425. You agree to this and you signed the document to that effect which you returned to the solicitors. Despite that the solicitors are now trying to impose the original £850 order. Is that the correct order of events? "Without prejudice" is certainly something that doesn't seem to be very well understood, including by solicitors. "Without prejudice" can protect an offer from being disclosed to the court where the offer has been refused so that it is not binding on anyone. However, without prejudice cannot be used to hide everything from the court – including wrongdoings, unethical behaviour et cetera. It seems to me that once you sign the agreement you effectively had a contract. I'd like to know a little bit more about the agreement that you signed but presumably it was intended to bring a halt to any further proceedings. I don't think there is any difficulty about disclosing a contract to the court in the circumstances. It is only the offer which was made without prejudice. Once the agreement was accepted and signed then the document acquired a wholly different character. It was no longer an offer open to be accepted or refused. It was a legally binding contract which imposed obligations upon both sides. In my view the solicitors have acted in a highly unethical way and I would begin by making a complaint to the SRA. I wonder whether the solicitors proposed the 50-50 split to you without consulting with their client and when they then contacted their client and told her what had been agreed, she refused to accept it and on that basis the solicitors recognised that they had made an error but rather than accept their responsibility and footing the £425 out of their own pockets, they preferred to get it from you. Of course this is just speculation but it seems to me to be quite a possible scenario. I'd like to see the agreement post up here please – that my sense is that you should complain to the SRA and you should tell the solicitors that this is what you're doing.
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      I was in Sainsbury’s today and did scan and shop.
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    • 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/
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LouLou

LouLou V Barclaycard x2

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Hi everyone - been approached by a claims company making guarantee's they can get most of my credit card debts written off within a few months for 10% charge. Up front fee only £150. They seem to be making a big thing about the card companies increaing my limit (due to good payments) without me asking for it or signing a new agreement.

 

Obviously having already claimed back bank charges with your help I thought I'd do my own investigation first.

So - from what I've read this is my understanding.

 

* Request copy of my credit agreement (signed etc...) which I know they won't have

* Stop paying my monthly payments as my account is in legal dispute when the deadline for providing this information is passed and they've not coughed up

* Fend off the letters threats and most likely end up in court (offer them a settlement prior to this ?)

 

Best outcome is they write off the debt? really?

Likely outcome is - I make a final offer to settle the account which they accpet and its closed down.

 

My Q's are - what happens to my credit rating during and after this process? From what I understand they can't impact my credit file as I've not signed a valid credit agreement, but does this actually stop them? I want to apply for a mortgage in a few years time and don't want to ruin my credit rating.

 

Has anyone actually gone all the way and won? And in winning what was the outcome of their case?

 

Also, my barclaycard platinum was originally an Liverpool Victoria card but they sold their credit card book recently to BC. Does this make a difference?

 

Thanks LouLou

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Hi LouLou,

 

I read recently on Muffintop's thread that the No Win, No Fee deal they were offered was not as free as it seemed. Read from here onwards - http://www.consumeractiongroup.co.uk/forum/barclaycard/173594-barclaycardcca-muffintop-10.html#post2271928

 

The majority of threads in this forum are about users trying to get sight of their Credit Agreements, which BC refuse to send out. Read as much as you can to gain an insight into what's happening with cases.

 

There are successes, usually when the bank takes the case to court without a valid agreement and they refuse to see the case through. Read more in the Legal Issues forum of the Debt Action Group.

 

If you haven't yet done do, send BC a CCA request with the £1 fee to get the ball rolling. Write to the Northants address on your statement. Use letter N from here - http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

 

In a few cases where BC took over another Co, they have provided agreements. As yours was an LV card, this is worth a shot.


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