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    • You need a back up plan. If you believe that redundancy is very likely, start looking at other employment options.  Don't leave it until you have been made redundant before looking for new employment. I regularly speak to people who have been made redundant and about mental health. Those who have a positive plan, get into employment quickly following redundancy and manage to maintain their finances. Those who don't have a plan, decide to accept redundancy and a period of unemployment. They end up in a downward spiral, with redundancy money spent, debts accumulated, mental health decline and difficulty finding new employment.  
    • Interested observer here as I'm in a similar situation. People become conditioned into seeking and maintaining a perfect credit score/file, but if your situation is that you're unlikely to obtain further credit for the foreseeable future anyway due to your other outstanding debts, then tanking your credit file now won't make a difference other than you've took back control of your finances.
    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
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Twinmumagain(Julie) Vs Alliance and Leicester


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Hello everyone!

Data Protection letter sent yesterday 14/10/06.

I have been told by the big bods at A&L that it should take about 3 weeks to get the paperwork through so that gives me 3 weeks of swotting up on this site.

I am just a young mum of 5 small children(1,1,3,3,6) who has been stung by these charges since I was 19(25 now). I remember months when I went 63p OD and I recieved £115 in charges!!:eek: Where is the justice is that hey?

People think I am nutty for taking this all the way(which I will!) as its little old me against the big boys! Luckily I have a single account but we are in town tomorrow to get me added on to my husbands account as its the kick up the bum I need to finally get a joint account with the old man:) After all, whats his is mine and whats mine is mine;)

Anyway-waffling now! You will notice its something I do best when you see me posting!

Just to add. I am certain I will be the only one who ends up in court and I am really scared! My hubby has told to swot up on it all as much as I can so if the day ever comes I can stand up in court and give my side while knowing all the in's and out's of it all. Fingers crossed it doesnt get that far though!!!

Good luck to all that are going through the same thing and well done to those who have successfully got THIER money back!

Julie xxxx

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Hello everyone!

Data Protection letter sent yesterday 14/10/06.

I have been told by the big bods at A&L that it should take about 3 weeks to get the paperwork through so that gives me 3 weeks of swotting up on this site.

 

I am just a young mum of 5 small children(1,1,3,3,6) who has been stung by these charges since I was 19(25 now). I remember months when I went 63p OD and I recieved £115 in charges!!:eek: Where is the justice is that hey?

People think I am nutty for taking this all the way(which I will!) as its little old me against the big boys! Luckily I have a single account but we are in town tomorrow to get me added on to my husbands account as its the kick up the bum I need to finally get a joint account with the old man:) After all, whats his is mine and whats mine is mine;)

 

Anyway-waffling now! You will notice its something I do best when you see me posting!

 

Just to add. I am certain I will be the only one who ends up in court and I am really scared! My hubby has told to swot up on it all as much as I can so if the day ever comes I can stand up in court and give my side while knowing all the in's and out's of it all. Fingers crossed it doesnt get that far though!!!

 

Good luck to all that are going through the same thing and well done to those who have successfully got THIER money back!

 

 

Julie xxxx

 

I dont think you will end up in court but i do know that you will get your money back! best of luck.:D

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Hi Twinmumagain.

If you can raise 2 sets of twins and an extra one then this will be a doddle for you!!

I think we all think we'll be the ones going to court but the banks would then have to justify the charges. Which on yours is a great example of the charges on a 63p overdraft!! Love to see them try and get out of that one.

Your hubby's right, swot up on this site, the more you read the more you get a bit of confidence. Any probs just post it on your thread and someone will answer you best they can.

 

One thing though DON'T BE SCARED its your money so you get it back, and were all here to help and support you.

 

Best of luck to you...... (not that you'll need it!!):lol:

:cool: Lily :cool:

 

 

Alliance & Leicester;

LBA 22nd July 2006

Reply 31st July

MCOL 6/8/06

PAID IN FULL 25th August 2006.....

DONATION HAPPILY GIVEN.......

 

If you are happy with my help please click on the scales at the side of this message

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Good for you Julie. Everyone is right, you won't end up in court, but how on earth will you find the time to swot up with your tribe! You are right to do it though and you will be surprised how useful it will all be later on.

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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