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    • Driver entered car park run by CEL Ltd .Tried to purchase lozenges  at Pharmacy , saw it was busy so left . Time there approximately 5 minutes . Left to go to pick up some goods  a couple of miles away . I have a copy of a collection of goods note with an approximate time on it  Stayed a while to chat with client On return journey stopped  to try again . Bought lozenges and left . There were no restrictions on returning  ANPR cameras registered first entry and last exit  Was sent photos showing vehicle with 2 blown up with the times on them   Company refuses to divulge landlord or show contract ....said it was data protection ! Photo of a sign blown up .....could be anywhere ! Been to site itself . No signs at entrance . When entering from main road nothing ! Where there is parking a few signs visible depending on parking space . Large sign on an external wall which can only be seen when walking out or entering from side road on the left . After a number of letters  I received demands from ZZPS ....a “debt collector “. They gave up on that ! This incident took pace in February . Now a Letter Before Court requesting details of my salary and how I intend to pay the debt  The length of stay is 40 minutes . Tiny car park !   Do know why there are even limits . Length of stay maybe 15 minutes in total . It is madness The pack of lozenges cost £185 ! Am 72 years old with multiple health problems ! Cannot let these cowboys win . Feel as though I am being intimidated . Very stressful ! Any  advice please ?I have drafted  together bits from all over the place ! Need it to stop ASAP !
    • Hi    This is my draft WS, please do let me know of nay changes or additions required, thanks.    IN THE County Court AT                                                                              CLAIM NO:      BETWEEN: CABOT FINANCIAL (UK) LIMITED   -and- (DEFENDANT)     ___________________________________________ WITNESS STATEMENT OF        INTRODUCTION    1. I, XXXX, the Defendant in this case, make this statement in support of my defence against the Claimant, Cabot Financial (UK) Limited.  The matters set out below are within my own knowledge, except where I indicate to the contrary.    THE DEFENDANT’S RESPONSE TO THE CLAIMANT’S WITNESS STATEMENT    2. The Claimant states in Paragraph 3, ‘….refer to various documents, true copiesof which are contained in the paginated bundle to this statement marked “JK”1’, but then states in para 4, ‘Acopy of the reconstituted agreementwith associated terms and conditions….pages 1-10’. There are 3 versions attached of the alleged Agreement and Terms & Conditions and according to para 4 they are not the original but ‘a reconstitutedversion’. They have attached 3 Agreements namely, ‘Original Agreement’, ‘Default Agreement’ and ‘Terms of your Capital One Credit Card Agreement’.  The Claimant has provided 3 sets of generic/reconstituted Agreement and Terms & conditions.     3. The Claimant in Para 4 also states ‘On or around 5thNovember 2012 the Defendant entered into a Credit Card Agreement,’ but Page 2 of JK1 has a date inserted 2/11/2012.  It has my name, address and a date inserted in the form but no mention of how the agreement was made, online, post or telephone, and furthermore not mentioned in the Claimant’s Witness Statement.     4. As a rule of thumb I always ensure that no 3rdparty is to contact me or to send me marketing information via telephone, post or electronically’, but Page 2 of JK1 has an unticked box, another indication that this is not an original agreement.    5. Page 5 of JK1 has too many typo mistakes in the heading as follows: TERMSOF YOUR CAPITALONE CREDITCARD AGREEMENT, furthermore there are no ‘full stop’ punctuations at the end of each sentence, this surely cannot be a document sent out by Capital One.     6. The Claimant states in Para 9 that my defence is a ‘templated defence’, requesting documents pursuant of CPR 31.14 and Section 78 of the Credit Card Act 1974, this is a defendant’s right for request of information but the Claimant has failed to provide the true original Credit Card Agreement and Terms & Conditions.   7. The Claimant states in Para 25 that, ‘the Claimant allowed the proceedings to be stayed in order to allow the parties to attempt settlement negotiations…..’ this is not correct as the Claim was stayed due to the Claimant not being able to provide the requested documents pursuant of my CPR 31.14 and Section 78 of the Credit Card Act 1974.   8. Para 30 and 31of the Witness Statement requests to restore the proceedings, to strike out the Defence, has requested for a Summary Judgement, together with costs to be assessed summarily by the court. I, the Defendant, strongly object to the Claimant’s Witness Statement requesting to lift the stay and enter Judgement. I believe therefore, that this should be denied and I respectfully ask for you to strike out the claim. My reasons for this have been outlined in points 1 to 7.    9. By the reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief and invite the Court to strike out the claim.   I believe that the facts stated in this Witness Statement are true.    Signed:  Dated:
    • District Judge has considered the statements of case and directions questionnaire filed and allocated the claim to the small claims track on 13th January 2020 for 1 hour.    Claimant has by 16th December 2019 pay the court trial fee or file a properly completed application, otherwise the claim will be struck out with effect from 16th December.    I have a few questions if possible to get an answer from anyone please.    The following directions apply to this claim: 1. It says that each party must deliver to the other party and to the court office copies of all documents on which that party intends to rely at the hearing no later than fourteen days before the hearing.  My understanding this will my witness statement, images of the parking area, out of time sent NTK documents. Is this correct? What else am I not thinking about?    2. I have to leave country for important work trip from 10th to 19th of January 2020. Is there anything I can do to postpone this case since its booked for 13th January?  Thanks!      
    • However having had a quick look at the consumer rights act, I see that it doesn't seem to apply if you have bought second-hand goods sold at a public auction and you had the opportunity of attending the same person – section 2 (5) Unless someone has some better ideas, I'm not sure what you can do.
    • I'm trying to understand your story because is not completely clear. You bought the car auction and you were aware at the time of the purchaser there was an ABS fault. Subsequently an ABS fault developed both this was a different fault and not of the type that have been flagged up at the auction. Is this correct? If you bought the car knowing that there was a particular ABS fault then I don't think you have any comeback. However if the fort which subsequently occurred is not the one which was flagged up at auction then you may be in a better position
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bcham

over 50s looking for work

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was at the job center last week ,and my adviser asked me what my barriers were to not finding work,i said my age i am 55 yrs old.and its harder for over 50s and school leavers to find work.

as i had seen programs on tv about the subject,and i dont even get any reply's to my applications back.

my adviser said that is rubbish and every one has an equell chance of finding work,is she clueless.she seems to think theirs loads of jobs out there for every one.

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Your adviser is putting pressure on you unnecessarily, I would report her to the centre manager and ask her to make sure she has some retraining.

 

There are NOT 'loads of jobs for everyone', statistically speaking your chances of employment when you are 55 and redundant or a jobseeker are around 1 in 2500, not a very good odd.

 

I am 55, and now have a visible disability in my right hand (caused by a slipped disc in my neck trapping a nerve) but I have had some work for the last few months, and just because I got £50 working tax credit the local council wiped out my council tax benefit and all but £6 of my housing benefit - I used this against them and pointed out that they had made me jobless and now potentially homeless.... I might stick up a thread on that a bit later.

 

There are a lot of local initiatives nobody mentions which aim to ensure everyone under the age of 35 who lives in the area has 'automatic' priority for employment opportunities as this will then ensure that they do not become 'locked into the benefit culture way of life'.

 

I got a lot of hassle from the Work Programme people in trying to find a job, and several times I proved to them I was more technologicall advanced than most in the use of my smart phone, which had my CV and all my job applications saved into an email folder...

 

The older you are the more employers are worried about paying pensions out, paying for early retirement if you are sick, or that you are not 'technologically advanced enough'.... I proved that I am more than capable of doing work despite my disability but nobody seems that interested.

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I'm 57 and know the feeling well. As an aside, when I was 38 I applied for a two year full time college course in electronic signalling with a view to a job with London Transport, I heard nothing from the course organisers and as it was getting close to enrollment time I managed to pin one of them down, he informed me that I would be 40 at the end of the course and unemployable as far as LT was concerned, he had allocated places for younger candidates who stood a more realistic chance.

 

Over the hill at 40!


 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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Can depend. My brother 59 lost his job when company folded along with 15 others. He got another job same pay 3 weeks later, and said 4 other guys all aged over 50 have also found other work. He also ehard a 62 year old on the train the other day talking about his first day in new job.

 

So hang in there, something might turn up. Experience and a proven work ethic record over many years can be helpful sometimes in getting work again..

 

Albeit he said the advsior he saw when he first signed on was a real jobsworth.

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Heaven knows what will happen to me if forced onto jsa, I a 56, haven't worked for 20yrs, have bipolar disorder, fibromyalgia, diabetes, arthritis. Was thrown off benefits courtesy of atossers in 2009 won tribunal in 2011, and now up again for same scrutiny, its more about the money and juggling figures/benefits for the dwp and not about if I am unfit or not. What hope I would have of getting a job even if I was fit enough, is beyond me.

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Age most certainly makes a difference im afraid. Im 56 and for the past 10 years have moved between esa and jsa, depending on my mental health.. (never been the same after a huge breakdown in 2002). I have had silly little jobs in between, the last one beginning of the year that lasted 2 weeks...Sacked because of my memory and cognitive problems...

I cant wait to retire if im honest,i wish I could do it now...at least I could budget properly and not feel pressured into looking for work that isn't there.

My adviser is the same age as me so she is quick to point out that if she is in work,I too could achieve her lofty heights.

That just makes me feel more inadequate !

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My adviser is the same age as me so she is quick to point out that if she is in work,I too could achieve her lofty heights.

 

Ask her if she is willing to do a jib swap - If she could manage to survive on £71 a week, I'm sure you could manage to do her job. In all probability, do it with a little more understanding and compassion !


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What she's factually saying is incorrect, she knows that, but don't expect her to roll up with the truth. You could e-mail her all the articles on the net regarding that fact and fill her inbox. But that wouldn't help your cause. Anything geared towards your hobbies?

 

was at the job center last week ,and my adviser asked me what my barriers were to not finding work,i said my age i am 55 yrs old.and its harder for over 50s and school leavers to find work.

as i had seen programs on tv about the subject,and i dont even get any reply's to my applications back.

my adviser said that is rubbish and every one has an equell chance of finding work,is she clueless.she seems to think theirs loads of jobs out there for every one.


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There are exceptions, but many employers don't want people in their fifties.

 

Many job ads feature words like 'dynamic' or 'energetic', what they really mean is young but aren't allowed to say it.

 

The phrase 'salary commensurate with age and experience' seems to have disappeared and has been replaced with 'competitive salary', I usually take that to mean their pay is no worse but no better than anyone else.

I think there is the mindset that mature people will by virtue of experience want higher salaries, which is probably true at least in my case at any rate. I always charged or expected what I knew I was worth as a tradesman, now firms aren't so much concerned with quality as speed.

This old boy is done with all that now so the young 'uns can have at it, and good luck to them.

Edited by osdset

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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Im in line for a short term job because I can happily live on the bottom of the payscale, I even 'blagged' on my CV that after having done a short term contract at doing the job on a lower level I am better placed to do it at a higher level, especially as it involves training people on the lower level job!

 

One wonders at the skill level needed for an MP.

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Skill level to be an MP? Err Well, they (the MP's) could probably teach some of our "ahh "Customers" who appear before the Bench I sit on, some skills and tricks

 

As to the main subject, I was made redundant from a firm 2 years ago ( HBV1 driver) I worked quite continuously for a drivers agnecy including car deliveries - dont ebven think about being a self employed plater ! and now I have a very nice number variable 3-5 days a week, with a 1/4 tonne van, delivering approx 10 packages a day in the South West which now suits me to the ground ( I am 64) and looks like lasting for a few years

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The age discrimination laws are a total joke. I am 58 and looking for work, I sent off my CV which does not have my age on and only the last 20 years of employment for a job I could do standing on my head, I got an interview and was asked to bring in ID to show I am allowed to work in the country of my birth this ID has my DOB on.

 

The interview goes very well and I am told I am on the short list and promised a second interview, on the way out the interviewer

remembers my ID and asks to see it, I show him my ID (with my DOB on) his face falls and three weeks later have not heard anything about the job which was supposed to start LAST WEEK.

 

Of course if I contacted them I will only be told 'we found someone whose skills match our needs better.'

 

How can we be told we don't have to give our ages but have to show ID with our DOB on at interview stage :mad2:

 

BTW I claim JSA as a couple with my Husband who is 64 he does not even have to sign on as he is over pension credit age, so they MUST know he will never get a job at his age

Edited by Madamfluff

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So, the Government has increased the age at which you have to be before getting your state pension. Yet, no-one wants people near retirement age? Where's the logic?

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their logic is money saved from paying pensions I guess, and adding stress to find any work until they accept they have to give/pension, with sanctions and the like the jsa can be stopped, and the whole process be so stressful that people sign off, more money for the govt to squander on what they consider is right..........whatever the reason/logic behind it you can bet its not in the interests of the everyday person, geared towards further feathering of the governments nest and their rich and powerful people.

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Young people now are looking at 70 before they can draw a pension. It's all very well the government promoting self provision for old age, private pensions and the like but the amount of money that has to be contributed each week to get anything near a livable pension is eye watering, most people on average wages simply cannot afford the weekly/monthly outlay.

 

Pensions account for the majority slice of welfare, the government won't meddle with the existing set up too much because it would be political suicide so the only option open to them is to continually move the qualifying age further away.

 

Anyone at the wrong end of 50 is in limbo, no one wants to employ them but they still have 6 to 8 years before qualifying for a pension. It's not looking too clever for the grey cohort.


 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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Logic and government do not mix!!!! At least you used the two words in different sentences!

 

At a time when they are openly pushing youth unemployment as a means of mobilising a labour force with 'strong work ethics' they are demonising a group who already possess those desired ethics in spadeloads!

 

Common sense should be a major requirement to become an MP.

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