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    • as the card is still owed by the OC, and as you've seen, they usually are able to comply, then its enforceable. so no don't cease payment.   however get an SAR running.
    • HRT process for returning British citizens can be quick, if they show evidence of now being resident in the UK and working or looking for work. So important to take all documents to Job Centre appointment confirming ID, residency at an address, evidence of work or looking for work e.g. Job applications.   if enough evidence is provided a decision can be made in a few days. And once entitlement is confirmed, then your Son can apply for an advance payment.   Under Universal Credit, once the claim is up and running, then first normal payment made after 5 weeks from start date. Work search appointments regularity can depend on Job Centre and how busy they are. Some people have appointments every fortnight and others once a month approx.  The important thing is complying with commitment and not missing appointments to avoid sanction. It is people who fail to attend work search and other mandatory appointments or fail to show sufficient evidence of looking for work, who can end up with a sanction.
    • Thanks dx100uk - response to relevant questions provided below. I will provide photos of signage at entrance and further photos of marked bays at same location in separate response.   For a windscreen ticket (Notice To Driver) please answer the following questions....  I received a Parking Charge Notice (SIP)   1 The date of infringement? 11/05/2019 @ 16:01   2 Have you yet appealed to the parking company yet? No   if you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide  N/A   has there been a response? N/A please post it up as well, suitably redacted. [as a PDF- follow the upload guide]   If you haven't appealed yet - ,.........   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Not yet as only 12 days since alleged infringement what date is on it Did the NTK provide photographic evidence? N/A yet   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N? ]N/A yet   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? N/A yet [it is well known that parking companies will reject any appeal whatever the circumstances]   5 Who is the parking company? Simple Intelligent Parking (SIP)   6. where exactly [Carpark name and town] did you park? Harding Street, Manchester
    • wasn't always that way changed with the spc rules of 2016. also, staple a copy of the cabot no cca letter to the courts copy. dx
    • sar to MBNA CCA request to arrows   their address means their address not YOURS!!   once they or anyone you are blindly paying fails the CCA request after 12+2 working days your option to cease payment until they comply exists.    
  • Our picks

    • 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
      • 0 replies
BankFodder

Martin3030 - our site team colleague and great friend, has died - funeral 14th Feb

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Martin3030 was Martin Kay and he was our siteteam manager for several years.

 

 

Martin came from Liverpool and he died at the Royal Liverpool Hospital on Friday morning - 1st Feb 2013 - after an illness.

 

He was only 54 years old.

 

He will be terribly missed by all of us, his Site Team Colleagues - and I expect that his absence will be felt by the thousands of people he helped on this forum - either directly or indirectly over the years.

 

Martin Kay's particular skill for relentless digging out of the little facts about individuals or organisations made him an extraordinarily valuable weapon against those who sought to dominate and bully ordinary people in difficulty.

 

Like many of us, Martin had been there himself. He joined the CAG and learned how to deal with his own problems. He then became so energised by his new-found sense of his own ability that he started to help others to stand up for themselves as well.

 

Martin Kay has had a difficult and disrupted life - but with the CAG, for the first time - he started to tap the great intellectual abilities which had been so unused for most of his lifetime and which had gone unnoticed by his schools and which resulted him in being regarded as a troublesome element.

In fact Martin Kay was a frustrated intelligence which never found any satisfactory outlet for most of his life. With the CAG, for the first time Martin overcame many of the disadvantages of his life and he blossomed.

 

In reality Martin Kay was extremely bright, talented, shy, patient and tenacious.

 

He will be very difficult to replace as a team colleague and impossible to replace as a friend.

 

I find it very difficult to express our sense of grief and the sense of loss and absence that I think we all feel.

 

 

Martin Kay


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I have just spoken with Martin's brother, David.

 

He has told me that they would all be very touched if anyone from the CAGlink31.gif wanted to attend Martin's funerallink3.gif or send flowers - etc.

 

We are finding out what the arrangement will be.

 

Please check this thread during the week for further information

 

Update:- The funeral will probably be next week - 14th February at 1.00

 

This has yet to be confirmed.

 

The family will be pleased to see you there and it will be an opportunity to meet other Caggers as well.


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Martin's family would all be very touched if anyone from the CAGlink31.gif wanted to attend Martin's funerallink3.gif or send flowers - etc.

 

 

The family will be pleased to see you there and it will be an opportunity to meet other Caggers as well.

 

The arrangements are as follows:-

 

Church address for Martins funeral.- Service 1.45pm. Burial 2.30pm. Church Hall with Family and Friends 3.00pm onwards - 14th February 2013.

St Mary's Lowe House

North Road

St.Helens

Merseyside

WA10 2BE


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Please note that there may also be a pub meeting as well organised by one part of Martin's family

 

However, Most of the family have said that they are too distraught to meet in a pub. Also Martin's mother is extremely elderly and has been badly affected by her son's death.

The will only be at the Church Hall event from 3.00pm onwards.

 

Could I suggest that even if you prefer to go to the pub meeting, that it might be very proper to go to the Hall first for light food and refreshments in order to meet Martin's mother and his older brother and to offer condolences there.

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 1016 days.

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