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    • Probably because you have not completed the form in its entirety ...you must complete A-D   https://www.scotcourts.gov.uk/docs/default-source/rules-and-practice/forms/sheriff-court-forms/simple-procedure-forms/form_9g.pdf?sfvrsn=6
    • Hi    Apologies for the delay, I had misplaced the paperwork for this case.   Cabot sent a letter dated the 10 April: Dear **** Your request for information under the Consumer Credit Act We have been unable to get the information requested from the original lender. If this information ever becomes available to us we will complete your request, but until we are able to supply this your account is unenforceable.   What does this mean? This means we are not permitted to obtain a judgement or decree against you in court, but we can still request that you repay your outstanding balance. We will still try to contact you to help you repay this outstanding balance.   If this account in on your credit file it can affect your ability to get credit, obtain a mortgage or a mobile phone contract. Repaying this account could have a positive affect on your credit file as it will show that you are making regular payments.   We would like to talk to you about a Personal Payment Plan where you can arrange to repay your account at a rate that you can afford.   For more information on what could happen now that we've been unable to reply to your CCA request there is further information available on the National Debtline website on their 'Credit agreements - getting information' factsheet.   _____ I'm guessing now they can't do anything until they either find the CCA or after 1 year I apply for the order to be lifted/stayed/removed??   Cheers.  
    • was it faulty or whatever might be relevant tell us as if there was a dispute of any kind then that could be useful ammo   dx  
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    • 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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Hi all,

 

A query regarding notice periods.

 

I started my job on the 16th july and i am planning on handing my notice in on the 8th october 2018. My contract states, if i hand my notice in between 1-3 months of starting i have to give 1 weeks notice, between 3-6 months it is 1 months notice.

 

What would be my leaving date? My contract does not mention calender month so i am a little confused.

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That's within the three months? So 14th October (or the Friday before, I don't know your shift pattern)


Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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I work office hourse 9-5 monday to friday. So 1 month is equal 31 days and not 28?

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If they meant 28 days they’d call it 4 weeks


Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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a calendar month is how I read it so 1 wks notice as a minimum

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