AFAIK there is no such thing as a termination notice without a valid DN?
a default notice must be issued, a TN is merely a letter confirming the DN's actions have been implemented should the debtor fail the conditions stated in the dn?
ref the attached doc
have you got the NOSIA letters now they said they would send on?
need to know the period this failure covered please
also, go we have all the SAR up here now
or is there a comms log or account log whereby they are showing their internal notes about the agreement and how you conducted yourself?
go look at the service providers website upon how they operate in the UAE
I bet there is no credit agreement and you never signed a credit agreement
if you signed anything at all it was a service contract to provide mobile communication services , the phone was a billed add on.
On the agreement ....you have covered signatures.....is it your name typed in ? What date is against your name ? 09/08/2013 ?
The application was made on line and yet there is no IP validation box.
I dont suppose you have or could get access to your bank statements from this period to see if £225.00 was deposited into your account ?
Point 11 of the T/Cs below state they will take payment using your debit card...did Payday Express not contact you as to why no payment was made or your Bank to inform you they were trying to collect ?
State pension is treated the same for tax as any other pension which you receive, in so far as it is taxable income.
The only difference is it's not subject to any PAYE or "at source" tax deduction using a tax code. Such tax codes operate against other ex-employer pensions and your state pension is usually deducted from your income tax pesonal allowance.
Shocking pictures reveal ‘disgusting’ conditions inside Hermes depot where workers ‘feel like slaves’. Read more at https://www.consumeractiongroup.co.uk/topic/419726-shocking-pictures-reveal-%E2%80%98disgusting%E2%80%99-conditions-inside-hermes-depot-where-workers-%E2%80%98feel-like-slaves%E2%80%99/
Euro Car Parks issued this ticket to the police in Devon and Cornwall. Read more at https://www.consumeractiongroup.co.uk/topic/419522-can-anyone-identify-the-parking-company-which-issued-this-ticket-to-the-police-in-devon-and-cornwall/