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    • I’ve seen a few threads on this already and unfortunately I’m in a similar situation through my own idiocy and stupidity,    I received a letter asking me to attend a telephone interview and provide statements for “ may to august 2020 “as they have information to believe “mr x” is living at the address... the interview is next week   Every single document they have asked for is in his name, I feel so stupid for this I was going to ring up and Cancel my award but with the pandemic and worry over income I made the awful mistake of not doing so,    unfortunatey for various mental health, personal reasons i have also been claiming before this period, our relationship hasn’t been stable but we have always remained friends since we had a child together in 2015, I’m petrified they are going to ask to go back that far and the bill is going to be awful,    I want to just ring up and own up to my partner living here during those dates but I want to know if they are then going to go digging for anything previous to that?    what I’ve done is wrong and awful and I want to own up, but I’m so scared and nervous that if I own up to the previous few years too my bill will be so high and I will go to prison , what’s worse is that my partner doesn’t know I’m still claiming he told me ages ago to stop but life just got on top of me and I suffer with ptsd and anxiety and one thing led to another  putting it off   i won’t be entitled to any award as my partner now earns above the threshold for this   do I just stick to owning up about the dates they ask or do I tell them about the previous years claims by telling them the exact date he moved in   to compile the misery on this we decided to make a proper go of it and got engaged in January this year so it’s just another thing that they will find if they dig enough as the venue is now booked for 2022   im so ashamed and embarrassed by my actions i feel like there is no way up for air from all this and I don’t know which way is the best route to take, why oh why didn’t I chance it when intended too earlier this year
    • Manxman, I have highlighted the relevant bits in bold. The proportion of the services can only be charged if the express consent was given in a durable medium.   (1) The consumer may cancel a distance or off-premises contract at any time in the cancellation period without giving any reason, and without incurring any liability except under these provisions— (a)regulation 34(3) (where enhanced delivery chosen by consumer); (b)regulation 34(9) (where value of goods diminished by consumer handling); (c)regulation 35(5) (where goods returned by consumer); (d)regulation 36(4) (where consumer requests early supply of service). (2) The cancellation period begins when the contract is entered into and ends in accordance with regulation 30 or 31.   Cancellation period extended for breach of information requirement 31.—(1) This regulation applies if the trader does not provide the consumer with the information on the right to cancel required by paragraph (l) of Schedule 2, in accordance with Part 2. (2) If the trader provides the consumer with that information in the period of 12 months beginning with the first day of the 14 days mentioned in regulation 30(2) to (6), but otherwise in accordance with Part 2, the cancellation period ends at the end of 14 days after the consumer receives the information. (3) Otherwise the cancellation period ends at the end of 12 months after the day on which it would have ended under regulation 30.   Supply of service in cancellation period 36.—(1) The trader must not begin the supply of a service before the end of the cancellation period provided for in regulation 30(1) unless the consumer— (a)has made an express request, and (b)in the case of an off-premises contract, has made the request on a durable medium.     (4) Where the service is supplied in response to a request in accordance with paragraph (1), the consumer must (subject to paragraph (6)) pay to the trader an amount— (a)for the supply of the service for the period for which it is supplied, ending with the time when the trader is informed of the consumer's decision to cancel the contract, in accordance with regulation 32(2), and (b)which is in proportion to what has been supplied, in comparison with the full coverage of the contract.     (6) The consumer bears no cost for supply of the service, in full or in part, in the cancellation period, if— (a)the trader has failed to provide the consumer with the information on the right to cancel required by paragraph (l) of Schedule 2, or the information on payment of that cost required by paragraph (n) of that Schedule, in accordance with Part 2, or (b)the service is not supplied in response to a request in accordance with paragraph (1).
    • Hi all   I will dive straight into my scenario.    I have a personal Barclaycard credit card that I defaulted on in first half of 2015.  This debt has been bought out by Hoist in 2019.  I have not made payments since the first half of 2015 to the account. I am pretty sure I have not acknowledged the debt to the DCA that occasionally contacted me since then The six year anniversary of the default will arrive in the first half of 2021. I recently received a 'Letter of Claim' from Howard Cohen Solicitors informing me of Hoists intention to issues proceedings in the County Court for the outstanding amount. The letter states I have 30 days in which to reply.  The letter states that it is written in accordance with the Pre-action Protocol for Debt claims. They have provided a brief summary of the outstanding debt but not the original signed agreement.  My feeling is that the pressure is being ramped up because of the upcoming six year anniversary of the default.   I am not sure whether I should; A). Ignore the letter (if so what are the consequences). B). Stall for a little more time until the six year anniversary of the default arrives, and whether engaging with them too has its own set of consequences. C). Pay too much attention to the six year anniversary of the default  - as I am not sure if a debt becomes automatically statute barred after six years in which I have not acknowledged that debt.    Like many, I have been hit by Covid economically.  I have not worked most of this year.  I am operating at substantial loss with funds fast drying up. The work position doesn't seem to be changing any time soon. I am not claiming benefits or anything.   Any suggestions for plan of action would be gratefully received.   Thank you   Arthur M.                        
    • Hi Manxman, Yes, the contract was signed on-line and I'm relying on s31 of CCR.  I think what you are alluding to is the fact that if the contract started within the first 14days and if it was commenced with the expressed consent of the consumer (on a durable medium such as letter or email not phone call or webforms), then the consumer has to be pay for the portion of the services that was provided. Also, if the service has already been completed (which is not the case here as the service will be completed after 12months from the commencement of the tenancy which never commenced) then, full service fee is payable. In this case, no express consent was given - I have checked all my emails to them so they cannot charge for the portion of the services either i.e. arranging some viewings and finding a prospective tenant. In fact, I offered to pay for the reference check costs but they want it all. There was an implementing guidance on CCR2013 which categorically says that the regulation applies to letting agent's services - I have attached it here. At the end of the day, regulations are regulations and if anything, consumer is recognized as the weaker bargaining party as the contract was created by the business. Please google Robertson vs Swift - case prior to CCR 2013 came in where the supreme court ruled in favour of the consumer and went above and beyond what the regulation said at the time (although it derived some criticism).  bis-13-1368-consumer-contracts-information-cancellation-and-additional-payments-regulations-guidance (1).pdf
    • No I didn't, in 2018 my laptop was unable to download open office.   I have attached the ci sheet from 2017, with all the charges listed up to then.   StatIntSheet v101 Charges V2.xls
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I was treated very badly by a major UK supermarket. To see more of my story, to help me and to find out which UK supermarket I am referring to, please see this link where you can watch a very short video (1:46 minutes long) and fill in a short form (less than one minute).

 

Please fill in this form and share it with your UK contacts.

 

https://docs.google.co

 

In a nutshell, my story is that the supermarket appears to have destroyed evidence that would have proven that it breached my contract and that it has made claims to have addressed the issues I raised but has never shown me any evidence to support its claims.

 

The human resources manager (in training) that I was instructed to see for further information about a forthcoming meeting openly declared on his personal Facebook page that he is "fluent in buls""t and sarcasm"

 

The supermarket has still not answered some important questions.

 

The supermarket still insists that it did not breach my contract.

 

My case has been brushed under the carpet and the company has denied even the things that are written on paper. The company seems to be pleased that I have so far not been able to do anything about the matter.

 

I feel forgotten and feel that I can easily be mistreated by big companies with near impunity. I feel my life has been a joke.

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Im sorry, but i wont be putting my personal details in the form, to find out which supermarket is

 

I really don't see why they are needed

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Im sorry, but i wont be putting my personal details in the form, to find out which supermarket is

 

I really don't see why they are needed

 

Would you fill in the form if your personal details aren't requested?

 

If so, I might change the form.

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What else would the for ask for instead ?

 

I've changed the form now.

 

No need to enter personal details other than name and email address.

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This does look like a clever way to collect email addresses for spam lists.

I struggle to see why the need for such requests.

 

Me too - I strongly suggest you do NOT give out your names and emails

Why the populist problem with customs checks to cross the Irish sea to meet International agreements and Law

... when Johnson is happy to implement a Border + Visas to access a lorry park in Kent?

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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I am not sure that CAG will be happy to allow this link to stay. I am just going to contact our Admin department for some advice.

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Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes. I'm sorry but I don't think that we can go along with this.

If you have a problem with this supermarket then you can deal with it here but we wouldn't assist the collecting of personal info in this way.

 

Also, please make sure that your posts aren't potentially defamatory.

 

If the manager you refer to has put up something stupid on Facebook, make sure that you get a screen-shot as it is likely to be removed at some point.

 

I am going to take the link out of your opening post

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123ab, there is no need for your form! if you are worried about mentioning the supermarket then don't mention it.

 

there is a good site team here, in orange, they will delete things that people write which could potentially get them into trouble.

 

people are here to provide you with advice, not to fell out google document forms.

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Not only that, but the manager can say what he likes on his facebook. He is entitled to his free speech and you cant prove that his post is anything to do with you.

And the way that link works smells to me so I'm certainly not touching it.

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I saw the original post this morning and thought it smelt well done in digging out that video . noticed he used the same user name as well

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Before you watch that video be aware it's 6 minutes and 39 seconds of your life that you will never get back.

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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Before you watch that video be aware it's 6 minutes and 39 seconds of your life that you will never get back.

 

Correct. It was incredibly boring.

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Wow, 123ab - that's some video...

 

Perhaps given your clear dissatisfaction with 'supermarket' (love the repeated emphasis: SUPERMARKET!!! in the video...) you were better parting ways when you did.

 

I'm sure that in more inebriated states I've probably said much worse on Facebook, it's for my friends to see and doesn't represent me 'at work' that's what LinkedIn is for. I don't think it's any surprise to anyone that a company would use any reason to invoke the disciplinary procedure just three weeks into someone's employment to review the decision of the recruiters. There's no doubt that it was frustrating and disappointing but pointing out grammatical errors in emails and potentially damaging personal information isn't going to gain any truck. We're all humans, not angels and we're certainly not running to be the next prime minister.

 

Good luck in whatever you're doing now but I honestly think, if only for your own health, that it's probably best that you pen this one down to experience.

My views are my own and are not representative of any organisation. if you've found my post helpful please click on the star below.

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This does look like a clever way to collect email addresses for spam lists.

I struggle to see why the need for such requests.

 

The email address is needed to send the information.

 

The name is needed so that I know what to call you when giving the information.

 

This form has nothing to do with spam.

 

Has anyone watched the two videos? Why would I make those videos (in the longer video I also show screen shots of emails) just to collect data for spam?

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your first post, you write "personal" facebook page. it is personal. no reflection on yourself.

it seems that many employers do not treat their employees with respect. we are all just a number.

 

what is written on paper that the supermarket has denied?

 

what outcome do you want to see from this? what are your expectations from this complaint?

 

i do not see what outcome you can achieve since 'supermarket' can treat you as they already have done without any comeback..

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Hello there.

 

Why would you need to send information please? Normally, people just post on their threads. As already pointed out it would be vary unwise to give a stranger on the internet one's email address and we don't recommend that at CAG.

 

In terms of being sacked after 3 weeks, that doesn't leave you very many options for redress, sadly.

 

May I ask what you are looking to achive?

 

HB

Illegitimi non carborundum

 

 

 

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You were dismissed after three weeks of employment. You say yourself on digital that it was because of poor tine keeping etc. I'm sorry, but there is no comeback. It was within probation and clearly within the 2 year period. You have no grounds to do anything.

Just be careful you yourself don't become the one being sued for defamation or slander. They, nor the manager, appear to have done anything wrong.

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You were dismissed after three weeks of employment. You say yourself on digital that it was because of poor tine keeping etc. I'm sorry, but there is no comeback. It was within probation and clearly within the 2 year period. You have no grounds to do anything.

Just be careful you yourself don't become the one being sued for defamation or slander. They, nor the manager, appear to have done anything wrong.

 

I have already seen lawyers about this case. Not all the lawyers agree with your opinion that the company nor the manager had done anything wrong. In fact, the only lawyer that agreed with your opinion made some errors which have been acknowledged by the solicitor herself as well as by the legal Ombudsman.

 

There are clear terms of the contract which I claim they breached in the way they dismissed me.

 

I have not named any individual or company in public. I am aware that I need to be careful to avoid being sued for defamation.

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what is written on paper that the supermarket has denied?

 

 

For example, the supermarket has denied that the employee handbook formed part of the contract whereas the employee handbook clearly states that parts of the handbook make up the contract of employment.

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So why haven't you sued them yet? If a solicitor is so sure, then why haven't they gone for it.

 

I have answered this in my videos.

 

To win a breach of contract case in a county court you have to show that you suffered financial damages. It is not sufficient to show that your contract was breached.

 

This is the only thing that held me back from suing the company.

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Please note that this topic has not had any new posts for the last 1978 days.

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