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    • Hi all   I have a court date for speeding and FtF. Court is 140 miles from my home. I have written to the Clerk of the court for transfer to my local court. I haven’t heard back yet after 10 days. Just want to find out if such request can be granted.   Also, I have been asked to go and work abroad for 3 weeks. I finish the posting 3 days after my original court date. Can I ask for adjournment or do I have to reject my job posting?   Every input greatly appreciated.   Thanks all.
    • Hi, I received this reply today to my dated, signed SAR. I also sent a PDF of the SAR to the people manager via e-mail using the internal e-mail system, and it's been acknowledged so they know it's from me. They are clearly messing me around.    "Dear ****   RE: Subject Access Request   Thank you for your letter dated 15 May 2019, regarding your request for data, which we received on 20 May 2019.    As you will be aware the timescale to process GDPR (Data Protection Act 2018) Subject Access Requests is one calendar month from the day after which we receive a request. Any personal data that we may hold on you will be sent to you within the permitted time frame. However, to note that before we release any data that we may hold we will need to confirm your identity to ensure that you are entitled to receive the data.    If you have any further questions or comments relating to this matter, please contact us on *email address*.    Yours sincerely,  *scanned signature* Name People manager Organisation    
    • Thanks for updating, you should take some further advice on this, Its stressful but a large amount of income fr you is at stake.
    • No I haven't, I'll get on that.   Is there a templated letter? ANything specific for example I should be saying beyond the IRL and it's been over 8 weeks?   Cheers.
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
Neni

Help with giving up smoking

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I'm trying to give up smoking, I'm using a vape pen which helps most of the time but at other times I get so stressed I will give in and buy a packet of cigarettes. I'm disabled and housebound and felt that cigarettes were my only enjoyment I had left. I'm really trying hard to give up not only for health reasons but it is so expensive, I'd appreciate any suggestions to help stop me giving into temptation when I get stressed out. :???:

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well done for taking the first step , one of the problems is finding what works for you .

 

How I did it was I use losegnzes alongside cigarette but gratly reduced and then I found after a few weeks I stopped with the cigerettes and then you try to get off the lozegnes . however sinc eyou are vaping you are still smoking so not gaining anything by vaping .

 

Have you had a word with your GP or looks for the NHS stop smoking clinic near you I now your housebound but maybe your GP could help

 

good luck

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Welcome. It's a very tough call.

 

Difficult to give the magic technique but I expect that one very good idea is to get supportive people around you - and this forum could be a start. If you try and post each day - or more often - I expect that you will attract other people who are in the same boat or who have been in the same boat and will encourage you.

 

Do you smoke inside your home?

 

Another support technique might be to start thoroughly washing and cleaning everything to get rid of the smell. Enjoy the freshness and then start to develop a revulsion for the odour if you start to stray.

 

If you smoke in the garden - the stop doing that. If you have to have a cigarette then smoke in the street. Set these goals and see how that helps.


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I tried with a vape pen and completely failed. I convinced myself I was doing OK by just substituting the odd cigarette with a few puffs on the vape, but was probably still smoking as many ciggies as ever and abandoned the vape within a couple of weeks

 

That was until my wife resolved to give up with a proper vape - in her case an Arc Mini from Totally Wicked. Cost about £40 with the first bottle of 'juice' and she has not even wanted a cigarette since - and that was many months ago. So impressed was I that I bought the same and since I first used it I am proud to say that I have not touched - or even been tempted to have - a cigarette. Not once in about 5 months have I even missed cigarettes even standing with cigarette smokers outside work the smell doesn't bother me. Probably use about 2 bottles of liquid a week and instead of the £4.99 Totally Wicked ones I now tend to get some funky flavoured ones from Poundland or other shops

 

OK I am still smoking (vaping) but spending less than 5% of what I was and I am only taking in the Nicotine and not the nasty stuff. If you are going to do it that way, it has to be all or nothing - don't even try to cut down the cigarettes and substitute with a vape. It won't work!


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I used to smoke 60 a day, then had a heart attack, followed by a quad bypass. Stopped smoking because I needed to. Then started again. Wife also smoked and she was in need of having stents in her legs to improve circulation. We both tried to stop & failed then took the plunge and saw a hypnotist - cost £260 each - but at the time that was equivalent to a months fags. Upside is I've never smoked since but wife still does. Downside is I've never been away from the doctors with various ailments & have piled the weight on but a lot of that is medication related. Do I feel better for it - overall yes.


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Guest Allen Baldreich

It is indeed a positive step that you have taken, understanding and accepting the fact that you need to address the issue of smoking. Nicotine is a highly addictive substance and in order to get a full detox, you need to consult de-addiction and rehab centres that specialize in the same.

 

Many require CBT or cognitive behaviour therapy that helps people analyze the root of all addiction. I think its high time government took measures in cutting down the tobacco import and production of tobacco-based products.

 

According to latest studies , lung cancer is the deadliest of all cancers, claiming 154,050 American lives in 2016 alone and men who smoke are 23 times more likely to develop lung cancer than those who don’t smoke.

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I failed many times.

I enjoy smoking and that's the main problem for me.

However I found myself struggling in a pub brawl recently, I was gasping for air.

Well, got to accept that oep target is within reach and maybe I got to start looking after myself if I still want to have fun.

Good luck and let us know how you quit, so I can try once again.

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I smoked for almost 40 years and have wanted to give up for a long time

 

Ive tried in the past and piled the weight on until i started again

 

4 months ago i bougth a good proper vape and have not had a cigarette since, I now even make my own juice, all the stuff cost me about £70 but now i have enough to last me at least 2 years, So the cost is tiny

 

Best of it is that in the 4 months i have not had a cigarette, I have put no weight on at all, And i feel so much better, My breathing is way better

 

And the black jack flavoured juice that i use tastes better than any ciggy that i ever smoked

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I gave up smoking by vaping six years ago and the one thing I would tell people who want to try that method is to invest in good kit. It does seem an expensive outlay but it really is worth it. Vaping makes it easier - not easy.

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Guest marshallbrown

Cold Turkey is the best way to quit, I quit smoking this way, I used to smoke 20 to 30 cigarettes daily but then I quit due to health reasons and now I am much better than before. I suggest you to quit cold turkey and try to quit when you don't have any work to do just concentrate on yourself for 4 to 5 days after that you will start feeling better.

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Please fill in your quit date here

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