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    • I cant help thinking that if we had to complete a questionaire that asked if you were "physically able bodied" before you were interviewed then this would be classed as discriminative.   Yet you can be asked to explain a gap in employment and that this is not classed as discriminative to people who may have had a mental breakdown.   Ok on this occasion I had taken a work break, if thay had asked a bout a break I had taken 10 years earlier then it would have been a different story as I had suffered depression and anxiety at that time.   It just seams to me that it puts people who have had a mental health issue at a disadvantage.      
    • I am just outside of the HS" zone for compulsory purchase. However,I put my house up for sale 4 weeks ago, and have had 2 viewers. Both said they like the house but the threat of HS2 having framework across the road put them off buying my house.    I am aware that I can take HS2 to court and get the court judge to (hopefully),force HS2 to purchase my house at market value under the Blight Order.    How do I go about starting the process?. Which court would the case go to?. Am i best enlisting a claims specialist with success in this field?.    The estate agent who my house is on the market with has told me that they have the feedback documentation from the 2 viewers testifying that HS2 put them off buying my house, so they would be available to the court.    Apparently there has already been 1 successful case on my street, and 1 two streets down, and there is another case on my street going through the court.    Any help, laws,quotes etc would be greatly appreciated.
    • Hi HubbaLoo and welcome to CAG   It's no surprise that the likes of CARS and Harlands  make far more charging admin fees than they do from taking a small monthly percentage of the gym fees.   It's best to tell CARS your new address - best that you know what they're up to at all times.   Send them a typed letter (no emails for now) saying:-   Dear sir or madam,   Membership at [town/city] DW Gym   My current address is as shown above.   I cancelled my membership when I relocated and supplied details of moving. I do NOT have to supply utility bills etc as demanded from you and will not enter into further correspondence with you.   If you continue to harass me for payments of admin fees, I will make formal complaints to the appropriate authorities.   Yours faithfully.    
    • It is not the DVLA that insist it must be insured, it is s.144A, Road Traffic Act 1988. Off road and SORN is one of the exceptions - s.144B of the same act.
    • Update  Ico and tpos are both useless Martin quinn has said to them that the signature on the tenancy agreement is diffrent and neither have asked for proof  The police have not given me an update on the supposed burglary or speakers that went missing that the man n van was meant to deliver  even after asking 9 times so now I'm trying to put pressure on them to tell me why they wont    I'm also going to try and get him under the Protection from Eviction Act 1977 as what he has done is a criminal offence
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edinburghbeerbucket

BoS Credit Card - exhausted - need some input!

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Hey Guys,

 

I've posted about this before, but I think I was too lengthy in my explanation, so I promise to keep this as short as I can!

 

So, for various reasons related to customer service issues, Bank of Scotland offered to settle my credit card which had an outstanding balance of about 2300 pounds for 2000. They sent me a "settlement agreement".

 

I amended the agreement to 1600 and gave my reasons for this (they'd charged interest and fees on the original transaction at issue), signed it, and added the following conditions:

 

- they would mark my credit file as "fully satisfied"

- they would close the account

- it would be paid over 12 months in installments no less than 50 pounds, at intervals not exceeding 60 days

- by accepting the enclosed initial payment, they accepted the agreement

 

I enclosed an initial payment of 100 pounds by cheque.

 

I made all the payments to total 1600, and with the last payment I sent a letter saying "here's the last payment per our agreement, please close the account". I wrote on the back of the cheque "only deposit this if you agree that this is the final payment" (paraphrasing). I had hoped that was the end to it.

 

Wouldn't you know it, a month later I got a letter saying "we didn't get the initial agreement, but we're keeping the money you paid, and you still owe us the rest". "the rest" is almost 2000 pounds again.

 

I really feel like they're messing me around here, just trying to keep squeezing until something pops. They have since tried to use debt collectors to collect the ever-increasing balance, but I have successfully fended-off two debt collectors now to the point where they handed the debt back to BoS.

 

I am way past the end of my tether with them, so I filed a (very large!) complaint with the Financial Ombudsman Service.

 

Here's my question/concern: what if the FOS side with the bank? What do I do then?! What are people's opinions on the security of my "case"? Any advice on what else I could be doing? Should I just do nothing and leave it for the FOS to decide?

 

TIA, all!


edinburghbeerbucket :D

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Guest Old_andrew2018

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Hey Guys,

 

I've posted about this before, but I think I was too lengthy in my explanation, so I promise to keep this as short as I can!

 

So, for various reasons related to customer service issues, Bank of Scotland offered to settle my credit card which had an outstanding balance of about 2300 pounds for 2000. They sent me a "settlement agreement".

 

I amended the agreement to 1600 and gave my reasons for this (they'd charged interest and fees on the original transaction at issue), signed it, and added the following conditions:

 

- they would mark my credit file as "fully satisfied"

- they would close the account

- it would be paid over 12 months in installments no less than 50 pounds, at intervals not exceeding 60 days

- by accepting the enclosed initial payment, they accepted the agreement

 

I enclosed an initial payment of 100 pounds by cheque.

 

I made all the payments to total 1600, and with the last payment I sent a letter saying "here's the last payment per our agreement, please close the account". I wrote on the back of the cheque "only deposit this if you agree that this is the final payment" (paraphrasing). I had hoped that was the end to it.

 

Wouldn't you know it, a month later I got a letter saying "we didn't get the initial agreement, but we're keeping the money you paid, and you still owe us the rest". "the rest" is almost 2000 pounds again.

 

I really feel like they're messing me around here, just trying to keep squeezing until something pops. They have since tried to use debt collectors to collect the ever-increasing balance, but I have successfully fended-off two debt collectors now to the point where they handed the debt back to BoS.

 

I am way past the end of my tether with them, so I filed a (very large!) complaint with the Financial Ombudsman Service.

 

Here's my question/concern: what if the FOS side with the bank? What do I do then?! What are people's opinions on the security of my "case"? Any advice on what else I could be doing? Should I just do nothing and leave it for the FOS to decide?

 

TIA, all!

Did you ever get any written correspondence back from them acknowledging they had received your revised F&F.

Do you have a copy of either this or the original offer.

Exasp

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Did you ever get any written correspondence back from them acknowledging they had received your revised F&F.

Do you have a copy of either this or the original offer.

Exasp

 

Hi Exasp,

 

I never got anything specifically acknowledging the revised F&F, BUT as I said I did include a cheque as an initial payment and I have the records showing they deposited that cheque.

 

I do have copies of both the original and the revised F&F.

 

Any ideas?

 

Thanks,

 

EBB.


edinburghbeerbucket :D

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Hi Exasp,

 

I never got anything specifically acknowledging the revised F&F, BUT as I said I did include a cheque as an initial payment and I have the records showing they deposited that cheque.

 

I do have copies of both the original and the revised F&F.

 

Any ideas?

 

Thanks,

 

EBB.

 

Do you have Proof of the link between the initial cheque and revised F&F . i.e photocopy in situ . ?

Have you seen any cca agreement re. this card ?

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Do you have Proof of the link between the initial cheque and revised F&F . i.e photocopy in situ . ?

Have you seen any cca agreement re. this card ?

 

Nothing definitive... I have a photocopy of the agreement with my signature on it, and I hand-wrote the cheque number on the front. I can also show that the dates line up.

 

I've not seen a CCA, no... And although I've never asked the bank for one, the account has been in the hands of two debt collectors, both of whom I CCA'd, neither of whom were able to produce.


edinburghbeerbucket :D

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Nothing definitive... I have a photocopy of the agreement with my signature on it, and I hand-wrote the cheque number on the front. I can also show that the dates line up.

 

I've not seen a CCA, no... And although I've never asked the bank for one, the account has been in the hands of two debt collectors, both of whom I CCA'd, neither of whom were able to produce.

 

If you used the Standard template from this site , the Dca s should have been obliged to produce a CCa , therefore no need to ask the bank , although you could.

As you have not had a cca produced , well within your rights to stop paying them ,that should increase your negotiating position .

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Hi EBB,

Have you placed this account in dispute with the template letter from this site?

Exasp

Edited by exasperated

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