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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
    • Hi DX - quick question, what is the bank likely to do when they get my letter of change of address ? also what is the worst they can do? thanks J1L
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kensington being very unfair....


Polly32
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Hi Polly - you need to affix the budget sheet as an attachment to the email (so I can actually open the budget sheet document) - it's all jumbled up in the body of the email and I can't make head nor tail of it

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Ive tried to re-send but seem to b having some difficulties with the library computer...I hope it has arrived

 

Hi Polly. If that doesn't work [i hope it does :)] is there someone there who can show you how to send an attachment? Our library has people who can explain things to you.

 

HB

Illegitimi non carborundum

 

 

 

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Thankyou for every1s help, ill b leaving the library now & heading to court to get the ball rolling, please let me know about the budget sheet & i will check back later...thanks so very much...fingers crossed now

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Polly - I need to see the budget sheet before you hand it in !!!!

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Polly - I need to see the budget sheet before you hand it in !!!!

 

i will go to my friends and re send it as the computer at library isn't letting it send. and no one can help wil an about 45 mins or so

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hi im at home now using myy laptop once i clicked on the budget sheet it asks me to log in so i do and it gots back to log in again,, i went to the court but the ffice shuts at 2pm so missed it will have to go for 10 am in mornin

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Have you made the changes to the statement I did for you and printed it off

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OK, I will email you a blank budget sheet - save it to your computer and then fill it in - save again, close the document and then send an email to me with the document attached.

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OK, got it :)

 

Right, you've got 41.56 left over in Box E - the court would see that as spare cash and expect you to pay that towards the arrears.

 

there are 3 of you in the house and you only spend £200 per month on food ? I think you need to increase your food expenditure to 240, that will leave £1.56 in Box E which is much more realistic.

 

Have you made December and January payment yet? - that will bring the amount of arrears down (Step 4) - and make things look better.

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OK, deduct the amount you paid from the arrears figure in Step 4 - are you going to the library in the morning to print out the budget sheet ?

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thank god u got it , imy normal payemt is 365 a month but judge ordered i pay 45 extra so have i put that in correct 420 . so if its granted which i really hope it is i will have to pay 365 plus 60 or will it be 420 plus 60 :???:

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It will be your normal payment of 365 plus 60. How much were the payments you made today? I can alter your statement to include the fact that you have made that payment today, but you will need to print off proof before the day of the hearing.

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I paid. 700 today sill print off the statement before hearing... It was short of 140 as I lent money to my daughter Sundays. Wen I got it back today to top it off I lost my purse I have a crime reference number to back it up if need be. A new letter would be great thanks u

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I have changed the statement (affixed). Make sure you staple the statement and budget sheet securely to the N244. Also don't forget to take a photocopy of it all so you have a set to refer to in the hearing.

 

Did you deduct the £700 from the arrears figure in the budget sheet?

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Make sure you get proof of the payment you made yesterday before you go to the hearing.

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i spoke to shelter today and they told me to i would qualify for the mortgage rescue scheme

and said that if i wanted to go out ahead with it

 

they will write a letter on my behalf askin for an adjournment 4 8 weeks so i can get the ball rolling

 

i havent agreed to it as i wasnt sure can someone advise me to on this pls as i have wanted to do this for the last year or so

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