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    • Thanks, @FTMDave for your feedback, I will take your points on board. I was using the title "Mitigation" in an attempt to convey how reasonably I have behaved, and how stubborn and overzealous (i.e. unreasonable) the claimant and their solicitors are. Any suggestions for a more appropriate title ? Cheers --skeet23
    • Hi guys   4 old debts (catalogues) have been sold to Lowells, I requested copies of credit agreements and received them this week.  I also received a notice of assignment from them for an old Vanquis account.  I need to pay these debts off but don't want them touching my bank account so was thinking of setting up a standing order.  I guess I will have to send them details of income and expenditure.  My question is, do I need to give my husband's details?  We are not really getting on at the minute and this will be the last straw for him so I would rather just leave him out of this.   Many thanks for reading x
    • I am unable to get credit of any description, apart from a payday loan with expensive Provident.   I have 3 accounts, 2 with Capital One, the other with Vanquish.   These 3 do show late repayments, but Capital One is showing partically settled in September 2018 and Vanquis settled in full in December 2016.   The main issue I had is with NewDay Ltd.   I notified NewDay that my disability living allowance was stopped after I had my review when I went to transfer over to PIP.   NewDay were sympathetic, and agreed to place my account on hold, freezing interest and payments etc etc.   On the 4th May 2018, I received a letter from NewDay; theyagreed that due to my financial issues, they would no longer chase me for payment.   Soon after, a default was issued with with credit reference agencies that the account default with a default date of 12th June 108.   Why then agree to not chase me for payment then issue me with a default seems to me to be grossly unfair!?   I did a Notice of Correction on my credit file to show lenders that my account was on hold, and they agreed not to chase me for payment.   Can anyone please give me some advice?   I have a good income of £1100 a month in benefits income, and I state on applications I am retired.   I am initially accepted for credit, but they then go to the CRA's, I am then declined.   Its frustrating I can only get a loan with Provident.
    • Sorry, I don't think I explain my case correctly. I'm the guarantor for a friend that rented a shop. My friend couldn't make rent repayment and the landlord terminated her contract. Now the landlord (claimants) has taken out the claim against me as I was the guarantor and is responsible for my friend's debt. When I first  became the guarantor, I signed an agreement with the claimants. ( 1st agreement) A year later I had a meeting with the landlord to discuss my debt situation and told them I was struggling to make repayment. They agreed to give me a debt deduction and other terms, so a new agreement was drawn up (agreement 2). to replace the 1st agreement.   In 2016 I received a warning letter for late repayment. No further warning letter or contact has been made by the claimant since 2016 so I was shocked when I received the money claim.  Claimants have only attached the 1st agreement with their claim form and they denied there was a 2nd agreement. Now they have submitted their final witness statement and attached the 1st and 2nd agreement. Proving the 2nd agreement does exist.   My question is; 1. How important is it that no letter before action was sent before I received the money claim? 2. Now there's proof of a 2nd agreement which was signed and dated after the 1st agreement. Does it prove that the 1st agreement is invalid? 3. Would the court dismiss this claim if they believe the claimants have submitted an invalid agreement for their money claim?    Thank you. 
    • Hi   What date did they move into the Property & when did the Tenancy end?   How long was the initial Tenancy Agreement for?   Did you pay a Deposit/Holding Deposit for the Property?   Exactly what Notice of Arrears was given and when(what date)? (if for rent arrears)   Are they still in the Property or have they ended their Tenancy as per the Notice requirement to end that tenancy?   Is the Claim for Rent Arrears/Damages etc.?   Have you sent a Subject Access Request (SAR) which is free(due to GDPR) to the Landlord/Letting Agent asking for 'ALL DATA'?    
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kennythecelt

Real Man Shaving, proper manly stuff, barber style, like grandpa.

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I got fed up with the high cost of cartridge type razors which started of with one blade and suddenly had 5 blades and started vibrating and taking countless £'s out of my pocket every time I went to the supermarket.

 

Consumerism gone mad and paying for high cost advertising.

 

Switched to a double edged safety razor and save pounds. Bought a brush and use natural products which are more environmentally friendly, sometimes cheaper and can be lighter on he pocket.

 

More importantly, it gives a far superior and improved shave, stops the possibility of ingrown hairs and is more relaxing than a cartridge razor. It makes shaving fun in this fast paced world.

 

Electric razors. Don't get me started on them. I have several in drawers that never get used, never delivered on their promises and cost a fortune.

 

If anyone wants suggestions or assistance, I am happy to oblige.


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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A typical pack of 4 cartridge blades costs about £12- £16, sometime you get an offer including a razor which ties you to that make.

 

The more blades you have in a cartridge the more they get blocked up with gunk ie shaving foam and beard hair. It is almost impossible to clean them when a single blade is cheaper and easier to use.

 

Here is how I started

 

Double edged safety razor- basic razor and 10 Wilkinson blades for £8.99 (see, saved money already). Better made and more costly razors are of course available ie Muhle, Merkur, Parker, etc. Cheapest razor I have seen is £1.99 from China, and they make razors for a lot of the main sellers in Europe and USA.

 

http://www.ebay.co.uk/itm/CLASSIC-DOUBLE-EDGE-SAFETY-RAZOR-10-WILKINSON-SWORD-SHAVING-BLADE-FREE-/121234615634?pt=UK_Health_HairRemoval_RL&hash=item1c3a256d52

 

You can buy 100 Rapira blades for £7.89, post free from Turkey. (not many DE blades are sold in UK although Boots, Asda, Tesco etc have them and Home Bargains also sometimes have Persona which is another excellent blade). Those blades work out at 8p per blade. What does a cartridge cost you? You can afford to throw these out (safely disposing of them of course) after 5/6/7 shaves dependent on how strong your beard growth is. The Rapira blades are a good all round blade, made to high standard.

 

Give up on tins of shaving soap gunk made by Gilette or Wilkinson. They are expensive and damage the environment. You pay for advertising and they are full of chemicals. One of the products I use is a Turkish soap called Arko. This costs £3.65 (post free) and is what Turkish barbers use:

http://www.ebay.co.uk/itm/ARKO-SHAVING-CREAM-SOAP-WITH-BOWL-CASE-90-GRAMS-FREE-UK-DELIVERY-/201002518265?pt=UK_Health_HairRemoval_RL&var=&hash=item2eccaf06f9

 

Next you need a brush. This Omega one is excellent and under £8 (you can get synthetic ones if you don't want to use animal products) ie badger etc. :

 

http://www.ebay.co.uk/itm/OMEGA-10077-SHAVING-BRUSH-NATURAL-BOAR-BRISTLE-GREEN-BLACK-HANDLE-/190952230390?pt=US_Shaving_Hair_Removal&hash=item2c75a3cdf6

 

That is you equipped with blades that will last a year and the basics needed, which I bet will save you 50% on what you currently pay in the first year alone, with even bigger savings in future years as the capital cost of the razor and brush are already paid for.

 

Then all you need is some guidance on how to use a safety razor and there is plenty of that available on youtube.


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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Found an even better offer on the Rapira blades. 400 blades for £20, post free from Turkey. That would last about 3 years. Just think what would have been spent on over priced cartridge blades. They are a complete rip off.

 

These Rapira's are just 5p a blade. I told you it could be cheap.

 

You could also consider giving a cheap shaving set and blades as a Christmas present by buying some things over the course of the year.

 

Guys, this method of shaving will stop the missus from pinching your current razor for her legs and under arms, as she will not be tempted to use this set up.


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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I enjoy using a cutthroat! It took a few months to get the hang of but it sure gives you an extra sense of "manliness" when you do it the real old fashioned way :)

 

Guaranteed the missus won't use it then! haha :D

 

Only drawback is if you're late and you need a quick-shave, I'd HIGHLY not advise this... lol

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While this thread contains excellent advice, novice or young shavers should be aware that the cut throat razor requires a very high degree of skill to shave day in, day out without having to turn up at work with half a dozen dabs of tissue paper stuck to your face (with blood).

 

While somewhat accepted in the '50s and '60s, the "tissue paper look" is distinctly unfashionable these days.

 

Safety razors merely require a high level of skill to avoid the same look, instead of a very high level.

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I found I cut myself a lot less whenI used baby powder as opposed to shaving cream wit the cut throat. Dunno why or how, but it worked :D But lol @ Bandit... Yeah it's all fun and games when you're learning :D

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Wilkinsons Sword razors are rubbish. I have been using Gillete mach3 for over 10 years. I had about 10 razor blades, some of which I gave to the ex but they have lasted me from 2002 to NOW. Gillete really IS the best a man can get! So in other words I haven't actually bought new razors of any kind since 2002?

Edited by TraineeAngel66

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So in other words I haven't actually bought new razors of any kind since 2002?

 

You'll be tripping over your beard by now !!!


 
 

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You'll be tripping over your beard by now !!!

:pound:


IMO

:-):rant:

 

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(From a female of this parish) As a side observation, a real DS shave leaves the skin altogether more snugglable against. Completely Unlike the results from an electric razor - I have retreated from embraces when I was getting an unexpected dermal abrasion. Avoid the multi-blades, put the time in with the assorted soaps & other shaving unguents & enjoy the many benefits!

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Grow a manly beard and stop this nonsense. Wish I knew how to add an image. Wonder how much I have saved over the years.

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(From a female of this parish) As a side observation, a real DS shave leaves the skin altogether more snugglable against. ....I have retreated from embraces when I was getting an unexpected dermal abrasion..........

pound.gif


IMO

:-):rant:

 

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disgusting things are beards and moustaches, they harbour more germs then the toilet! yuk.

 

:yuck:


R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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No lass, we do give them a wash every so often to keep them clean, generally, every three or so months is about right.

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:wof::sick:

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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