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    • In this type of managed block most of the owners/tenants have other places elsewhwere and only use them occasionally so the concierge service have keys to ensure the smooth running of the block. Now I would be tempted to fit an old fashioned lock as well as the swipe pass if you are there all fo the time (subject to any necessary permissions). after all, it is for your convenience, not theirs
    • No-one can represent you as far as the debt liability goes so the CAB might have given your creditors a sob strory but that is not a representation by you so means nothing as far as the SB clock goes. My mum could admit that I owe money to a creditor and offer to pay but there is no relationship between her and the creditor so whatever she said or did wouldnt chaneg that. Now bailiffs like to pile on the guilt in trying to get relative to cough up for debts that arent theirs but they dont get paid otherwise.
    • Well, if they're living and working then they wouldn't be taking any state benefits surely?  So I dont see any issue.   Of course, the universal wage for all would eradicate any ill feeling towards people, and this constant narrative that someone is taking something from someone.  That's my real issue with capitalism if we move on slightly - we're all on different levels of the pyramid and most people are constantly looking over their shoulder at what the person next to them has.  Tory's talk about labour indulging in the politics of envy, but it's actually the capitalist free market system they have created which fuels this hatred towards other people.  I think that capitalism promotes competition and as such envy plays a big role in every one of us because we're all competing with one another...  better house, better car, better this and that.   Ask yourself if you'd be worried about an immigrant taking what you perceive to be yours by rights if there wasn't a more level playing field and people were treated equally regardless of where they were born/skin colour/gender etc?  People can't seriously be happy living like this.. constantly mistrusting, looking over your shoulder, paranoid, angry...
    • Could be a conflict of interest but if a family owned co you are not likely to get anyone else. can be someone of the same level. in all my years involved in union activity I have never met a licensed union chairman so mehtinks that you would be better off seeking independent advice or speak to the current branch officers of the union that has recognition/representation . If the confusion shown in your posts is translated into the workplace grievance procedures you may well end up worse off than with a simple and coherent presentation of your case so get someone else to be with you, ideally someone with the authority to actually represent you or the managers will fiond it difficult to undershatnd what it is you want
    • The result of not attending is already known to you. They will continue and the no show will count against you and may be worthy of dismissal in itself As for handing in your notice- too late, they are not obliged to accept it when a disciplinary hearing  is in the offing.
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PPI rejected claim now accepted due to pre-completed PPI policy Lloyds/Black Horse

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word to the wise everyone

 

my PPI letter was rejected by Lloyds as they stated that they didnt have any details about me (car loan with Black Horse from 1999).

 

I did not have any bank statements from then, and

Santander had told me in writing that they didnt have any either.

 

 

However contacted Santander customer services (IN-BRANCH TELEPHONE - important) and

they managed to locate the errant statements.

(Important because this line of enquiry acually worked - use a telephone in-branch if you require statements)

 

contacted Lloyds again who confirmed the account number on the statements was correct.

They sent out a ppi claim form which was completed.

Then rejected.

 

 

I wrote back to them asking them to reconsider, and asking for a copy of the CCA.

 

 

What was interesting was that the PPI box was pre-typed in with 'GOLD'.

 

 

This was the age before online applications, and I argued that the PPI was not presented as an optional extra,

but rather was not discussed before I visited the sales office.

This is self-evident, and Lloyds know that they cannot prove that the PPI was discussed prior to me signing the CCA.

 

Therefore they have agreed to refund the PPI plus interest.

 

However, as a side note, the final amount is over £1300 short of what the PPI refund should be.

Make sure you analyze any offer you receive.


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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