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    • Thanks dx100uk.   Not sure that I completely understand your reply, that said, thank you for taking the time to reply.   I did follow your link to the GDPR thread and Subject Access Requests. I can't remember if that was the term that the ICO used.    I am not sure that it would have been a SAR, my bank didn't insist that I apply in writing and ultimately it wasn't my bank that was being obtuse.   Then again, it may well be the case that the guy at the ICO did indeed use the term Subject Access Request. As I said,  I got a call from a 0300 number and decided to answer it, half in the expectation of it being a spam call.   So is SAR a direct consequence of GDPR? If yes, it is ironic that I am using to circumnavigate Lloyd banks flawed interpretation of the Data Protection Act.
    • CAB should never have said what they did.   If someone earns over the threshold, even if only 15p, yes in theory the whole amount will be reported as overpaid.    So yes you should expect a letter advising of a debt.   Suggest that your partner follows the appeal process and submits the mandatory reconsideration.  Put the arguments to a DWP Decision Maker. It might not change the decision already made, but worth giving it a go. Perhaps the CAB advisor who gave their opinion can assist.   Uniform is not an expenses that can be deducted in relation to earnings considered for benefit purposes. Your partner is employed and the employers should provide any uniform. Sounds a bit odd to deduct an amount for uniform and this should be queried with the employers. Not quite sure on the legality of the deduction.
    • Does your claimant commitment state to update journal or job application section of your account to provide the evidence?   If not, then written or even verbal would suffice. If the commitment isn't tight enough to state where to put your evidence then there is nothing they can do.
    • The onus is on the claimant to claim correctly. 15p or £2 over the limit is still over the limit.   You mention an alowable expense, where does it state uniform is allowable, it's normally travel, care fee's or pension contributions. Normally uniform is provided by the employer, so the DWP tend to ignore this.   Yes she will get a letter regarding paying it back, but she is lucky she isn't facing a fraud case.
    • Pardon late reply, had a busy last few days. I will make enquiries to the Council or Valuations Agency tomorrow when they are open.   I am a little apprehensive about getting the dentist involved although I wasn't warned about the new parking system at the time.   I have photos but will need to reduce the mb size of them as 4.5 mb is maximum upload on here. They will also need editing to blot out reg numbers etc.   I was given 28 days from CE to cough up after the POPLA decision and that will expire in a few days time. I intend to take this all the way and to save further action [e.g. debt collectors with the £100 rocketing to the thick end of a Grand]   write to CE and tell them take me straight to Court as all letters will be ignored.    There are 2 photos from my evidence previous post [Docs 1 pdf 2.81 mb] First is the view I had approaching car park to the right, this differs enormously from google street view.   Even with just 1 car in the carpark can you see any signs ? There is a small road sign in that photo too that was left behind following the roadworks and temporary traffic lights that hid the sign at the front.   Second photo is a view from where I parked no wonder I did not see it, in fact the angle is worse viewing from drivers seat as the pole is in line with the tree
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Ruby roo 1

Creation/SCS lied about cancelling Finance Agreement and wanting money for goods we have not received !

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I want to tell every member of the public what we have been put through by SCS in Stevenage

 

As we where moving to a new home back in 2014 we needed to purchase furniture and carpet

In November 2013 we placed an order for Furniture on finance by a VERY pushy Salesman

The very next day we cancelled the order and Finance Agreement as we did not like their terms and conditions

 

We went into the store but was treated so badly by the Salesman and he refused to find our order making out it was lost

I made someone in the accounts department cross out the order saying cancelled across our part of the order and left

 

In January 2014 we went back to the store to place an order for a carpet and left a deposit on a credit card for half the value

A week before it was due to be fitted I find out that no-one had ordered our carpet so it would not be fitted in time

 

We threatened to cancel the order and needed to look for a replacement which could be fitted in time

 

SCS asked us to go into the store as they promised to get one for us like for like of another style which was more expensive but promised to charge the same price and fit it in time

We agreed and we just needed the correct Invoice re written for the change of style name so we could pay for the balance

 

The carpet Was fitted on time BUT it was fitted by COWBOYS

there was NOT enough carpet ordered to finish the job

I was forced to pay them for the fitting as they rang a woman from the store who told me I had to pay them and she would find the rest of the carpet to finish the job

 

Our home was ruined as every skirting was forced off of the walls,

the stair carpet fell off and

the study was unfinished

, the underlay was incorrect

and all three wardrobes where short by an inch

 

We complained about this and reluctantly after months of strain they paid us a cheque for the damage and fitted the whole house again

This was when the real hit the fan

 

9 months later as we where still awaiting the correct Invoice to be sent to us,

we find out that a Mr ....had NOT cancelled the old Credit Finance and put the WHOLE of the carpet order value + extra costs and a huge amount was Totally incorrect on finance but this finance paperwork still had 'SOFA' on it and NOT carpet

 

We where only informed of this from the finance company 'Creation' who by now where chasing payments !

 

We had to explain to them that we had NEVER wished for this carpet nor any order to be put on Finance as we had cancelled it months ago

Long story short

 

We are now being blackmailed to pay for something we have not had ( 'SOFA' )and no one will help us and SCS have blatantly done this knowing we will get a bad credit rating

 

We have been to the Ombudsman who messed up as a junior dealt with it first and made mistakes and we have spoken to Creation but no one will understand our problem

Is there anyone who can help resolve this

 

 

DO NOT BUY ANYTHING FROM SCS

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Did I see you initial order involved a credit card?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi

Well when we ordered carpet weeks after we cancelled the 'SOFA' order and finance yes ! My credit card stepped in and told them not to deliver a sofa etc as they tried to get a delivery firm deliver it but after my credit card stepped in they said again that they would cancel the order !! But they didn't !!

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1

was thinking section 75


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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That's what the Ombudsman mentioned but as it was an adjudicator who didn't understand the whole case he mucked up and dropped out of supporting us and his Ombudsman (boss) tried to cover up his error but they would help any more !!

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