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    • I'm really not sure what all the above refers to and why you are bothering with it.   This is an overdraft current account ?   You entered into it in Scotland ?    Claim was issued 14/09/18   The last payment date by YOU was 18th Nov 12   Section 78 is not applicable to overdrafts.   Andy  
    • Hi Andyorch.  Todays good news is - the matter is now dead 😀   Many, many thanks for your help and advice.
    • Hi Guys,   My friends wife ignored letters from Horizon Parking and their solicitors and now has a CCJ registered on her credit file.   Stupidiy, she also ignore the claims form which come from Northampton Bulk centre as it looked photocopied and she thought it was fake. At the same time her work colleague did the same.   Her work colleague went to stand as guarantor for her daughters loan and got refused, she has now found out that a CCJ has been registered two months ago, so my friends wife checked her credit file and has the same, from two months ago.   Both received claims forms and didn't fill them in. Neither of them have received notification of judgement however. I am right in saying still that they should of done and would of been given the opportunity to pay the claim within. month at that point and not have a CCJ permanently on their file. If this is the case, what is the way forward? Set a-side ?
    • EXHIBIT K   24th March 2019   Lowell Portfolio I Ltd 9 Savannah Way Leeds LS10 1AB   Dear Sirs   Your Ref: 1...….     MFS Portfolio Limited v Phelan West (2019) I write to draw your attention to recent successful appeal case regarding a personal current account with overdraft facility; the decision was made before HHJ Walden-Smith sitting at Cambridge County Court. In this instant case the Appeal court found the personal Current Account Overdraft agreement to be unenforceable pursuant to the Consumer Credit Act because of lack of evidence of compliance with the requirements of the OFT determination. It was also accepted that Creditors must comply with S 78 Consumer Credit Act 1974 requests relating to personal Current Account Overdrafts, not just credit cards and loans. In this case the Appeal court did find that MFS Portfolio Ltd had complied with the S 78 Consumer Credit Act request. If they hadn’t complied with the statutory request then the personal Current Account Overdraft would have been unenforceable pursuant to s.78 (6) (a) Consumer Credit Act.    In view of foregoing, I note that your company have failed to comply with S78 CCA 1974 therefore your claim is unenforceable. So it is in your own interest (and to save cost) that I demand yourselves to discontinue this matter with immediate effect, otherwise I would be seeking compensation awarded against your company through the court for my time and legal cost to myself for consulting solicitors for advise in defending this claim which I consider not valid since you couldn’t also substantiate it when ask to prove it.   Yours sincerely
    • Hi Micky,   The letter you sent was your Prelim Letter and you should send an LBA before issuing proceedings.   1. Who replied to your letter that was taken in to the Chingford store - eg was it the store manager.   I suggest you send your LBA to the store Head Office enclosing a copy of the original letter and give them a final 14 days to reply and refund.
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I work at a small out patients building on the outskirts of a small town completely isolated from the main nhs hospital in a nearby town

We at present have travellers on the land outside the car park entrance

When we finish at 18 : 00 hrs they are normally drunk and acting in an aggressive manner kicking and goading there dogs into fighting each other

This evening I had to return to the building and wait until others went home so as we could escort each other out ( we have no security)

I have expressed my concerns with our line manager but she seems lost as what to do

I believe that I have a right to withdraw to a place of safety without redress

It is very intimidating with them coming into the building using the showers and toilets our staffing consists of mainly women

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Hi. That sounds tough.

 

Are you and your colleagues in a union? They should be able to help.

 

HB


Illegitimi non carborundum

 

 

 

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Has your manager spoken to the police? They have a specific team for working with travellers.


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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Yes I am in the union and our line manager contacted the traveller liason officer

They are trying to contact the landowner

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so I would start off with demanding some sort of entry control that would stop them from just walking in and using the facilities. You should also look at the lone working policy and if there is anything in there that applies force your employer to abide by that policy and if that means no-one works there alone then the place is shut or they make suitable adjustments to the working day.

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Security were going to come over from the main nhs hospital but apparently their not insured so they didn't come

Door entry control is a good idea that I will suggest

Thanks

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dont suggest, demand. That is why i say what is in the lone working policy, you may have the right to refuse to be there alone without extra kit to help protect you

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