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    • @BazzaS No..  Just that I like to make new ideas work, but have yet to get good at making money out of them! The ideas have worked, and I am now on my sixth startup. I didn't consider contract law in the past though. I have learned my lesson!
    • thanks EB, for clear and concise advise. should i send it by recorded delivery to ensure receipt. i have been hovering about a little, pondering over the situation
    • What is that? Does it have a DSM-5 (or ICD-11) coding?
    • I have tried to track down a site manger but it appears the site has been sold again - London and Cambridge properties.  I have spoken to a local councillor Tony Robertson, he advised that the council are responsible for the CCTV cameras, and to contact the council switchboard. I have rang the switchboard and  spoke to a general operator who advised me to write in requesting the information. I will advise when I receive a reply. Of the three people that drive the car, there are two main drivers no-one has seen a ticket put on the car at any time.
    • @Pierre GA - The jargon behind DD 'guarantees' is, to my mind, mostly marketing. Direct Debits only serve to profit banks. The consumer does not benefit at all. It is far better to pay, via instant transfer from modern digital banks, than by an outdated Direct Debit scheme. Just think for a second.. Does one really want to hand over one's (in my case 'dubious') financial wealth to a third party computer? I would far rather transact and settle my bills myself; I think I should proffer the term 'Financial Zen.'  
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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seen this before

MP philip davies,those with learning disabilities/mental health work below the minimum wage

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a story has emerged in the commons/media where a back bench mp is commenting on those with learning disabilities and mental health problems should be allowed to work for below the minimum wage to get on the jobs ladder.more here.

 

http://www.bbc.co.uk/news/uk-politics-13809620

 

http://www.telegraph.co.uk/news/uknews/8583005/Philip-Davies-Let-disabled-workers-opt-out-of-the-minimum-wage.html

 

http://www.ldtonline.co.uk/2011/06/outrage-over-mp%E2%80%99s-claim-about-jobseekers-with-learning-disabilities/

 

perhaps a little more in depth look might have been a little more informative for him.and his ideas.

 

http://www.increasebrainpower.com/famouspeoplewithlearningdisabilities.html

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yeah cause that shows they are equal and the same as all others ,idiots

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people with learning difficulties doesn't mean they should be labeled as incapable they are of average intelligence and some are additionally gifted.

 

because of their disability,stories like this are discrimination and are promoting exploitation and give a negative perception which is not true,no one should have to face this because of an neurological issue .

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Problem here for me is that while I agree in principle with national minimum wage this has stopped my brothers son from being able to work. There are no places available in his area with assisted job placement.

 

He has been taught to be able to live in a warden controlled flat, he was supervised for 2 years before being let live on his own. but as he cannot get a job due to the length of training he would require for even a relatively simple job. If he could start a job at a lesser rate while under supervision for say 2 years he could then after those 2 years work that job on his own and earn a normal wage and he would have the knowledge that he was working and living a relatively normal life.

 

dpick


cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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people with a learning disability are of average or above intelligence, its a neurological problem with many reasons to its causes commonly described as to do with the brains wiring.

 

many are undiagnosed until much later if at all often the person knows something is wrong but is unsure of the cause.its worrying that someone has put forward a proposal to somehow undermine this group and their disability as somehow undervaluing their possible contribution in the workplace.

 

unfortunately the employment schemes that are in place are not suitably equipped to manage this condition notably the shaw trust with work choice.even though the person has a disability its played down and advice given as such basically to keep quite.however this for obvious reasons is not a practical solution,worrying to is the work programme which is now up and running with a large burden of unemployed people and what appears to be those with disabilities such as learning.there appears to be an attitude of ignorance and indifference to such areas often the problem encountered is someone else's perception of the person and their personal thoughts rather then the realities of the difficulties faced by this person. this can and is totally counterproductive to those who affected by this condition which can have a substance impact.

 

http://www.learningdisabilities.org.uk/our-news/2011-06-17/

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