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    • The mortgage (what there was of it) was  paid off a few years ago ( by massively overpaying each month and going without holidays, evenings out, fun etc) and the house is in my name.   I shall look into universal credit but was always told, by him, that as I was a 'director' of the company and being 'paid' ... ie the money for the household  bills ... I would not be able to claim unemployment.   I have however applied for reduced council tax ... I did this a week or so after he left and all I have heard so far was a request for his forwarding address, which I have supplied. Since I applied I have paid one months full council tax ... Do they backdate your claim and take any overpayments (in my case almost £50 per month) off an amended bill?   Thank you for replying, I feel incredibly isolated and alone at the moment.
    • Unless their policy is just to run the clock out and not ask for an extension again. I'd not be surprised, if a new PM completely ignored parliament and the 48 per cent who voted remain, just to hold their party together
    • Well, it's isn't a premium car, it's a Golf TDI in pretty good condition with 100k on the clock. I just thought I'd ask the question, but I accept that there's probably nothing that can be done in this case. 
    • Change the rules now, and set a precedent for ever.
    • I think it is too difficult for any party leader to negotiate withdrawal from the EU on their own. It will always be a cross party task, unless there is a General Election and the country gave the the Tories a big majority. But at the moment that is very unlikely.
  • 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
vicr76

Currys PC WORLD & Knowhow Whatever Happens

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They may offer to settle if mediation is an option...shows no weakness on your part as the claimant and the courts expect all parties to participate and can have an adverse effect on your costs if you are not willing to be amicable ?

 

With regards to your response to their defence you can submit a response with your DQ.....but I would suggest against this as you only give them further information on which your claim relies upon and information they will then be armed with if the claim proceeds and both parties submit their particularised statements.

 

Dont show all your hand at this stage and save the detail for further into the process.

 

 

Andy


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Hi @Andyorch,

 

 

Thank you for the quick reply.

So to clarify few things:

1) I say yes to Mediation Service - In the covering letter with DQ form somewhere in 2nd line it says they think this is a good case for Small claim court. (Will it go against me if I select NO?)

2) Will send an update Authorisation letter with the DQ form to both court and defendant.

3) Don't send my argument with this and take it to court straight (or do I need to send this once my case is allocated to my local court?)

 

 

Regards

 

 

Vicky R

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Hi @Andyorch,

 

 

Thank you for the quick reply.

So to clarify few things:

1) I say yes to Mediation Service - In the covering letter with DQ form somewhere in 2nd line it says they think this is a good case for Small claim court. (Will it go against me if I select NO?) It is small claims anyway if below 10K

2) Will send an update Authorisation letter with the DQ form to both court and defendant.

3) Don't send my argument with this and take it to court straight (or do I need to send this once my case is allocated to my local court?) You submit a witness statement further in the process if they wish to proceed which particularises your defence .

 

 

Regards

 

 

Vicky R

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thanks again @Andyorch,

 

 

Then it is YES for Mediation Service but I was thinking this will be always NO as advised in @icemen's case.

 

 

Regards

 

 

Vicky R

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Well if you state no...as advised you remove the opportunity of settlement out of court and further costs to yourself...which can be reduced if you have shown not to be amicable.

 

I cant recall why Iceman was advised otherwise...dont think it was my advice.?

 

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Hi @Andyorch,

 

 

Thanks for the advise, will take your advise and definitely say YES for Mediation.

 

 

It was @Bankfodder who advised @icemen to reject mediation. I can understand all cases are different and that may be the reason.

 

 

Regards

 

 

Vicky R

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Hi Cags....

 

Sorry for the delay in updating this thread... Had really busy few months due to the newly added member in the family (my Daughter) and workload.

 

Now the time to submit my documents in court by 16/05/19 and hearing date is 13/06/19.

 

Can anyone please advise what should be the title of my documents replying for Currys defence and how I should I end. I will upload once I have completed my documents for you all to read and advise any amendments.

 

Kind regards

Vicky R

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Search Witness Statement (Top Right near your Log in)

 

Get a feel of how it should be laid out format and style.

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Good evening fellow caggers,

 

Finally, I have prepared a dummy copy of the witness statement. I know it is a bit long and lots of grammar mistakes. 

Can someone please read and advise what need to be corrected or if this is not good at all.

The judge allocated 2 hours for hearing.

 

Kind regards

 

V RReply to defence from Currys CAG copy.doc

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