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    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
    • The shortage of semiconductors is continuing to have a major impact on industries around the world.View the full article
    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
    • The worrying aspect is that they could well run away ... then a few months down the line, knowing full well you'd moved, sue you at your old address, knowing you would lose by default.  Therefore I suggest sending the above letter off on Thursday if the other regulars don't disagree, then on Saturday another one to just UKPM     Dear UK Car Park Management Limited,   re: PCN no.XXXXX   please note that I no longer live at XXXXX but that my new address is XXXXX.   Yours,
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Business Accounts in Scotland - Correct legislation


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Does the Unfair Contract terms Act 1977 apply to reclaiming charges applied to a business bank account in Scotland ?

If not which is the correct legislation to go for the penalty charges.

The business account in question is for a "trading as" business and not a Ltd Co.

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  • 3 weeks later...

Hi, yes the Unfair Contract Terms 1977 does apply, thats the one of the one's I used when winning my claim against BOS back in October. Just sent my summary cause action today and have used it again.

 

Best wishes with your claim.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi all,

I noticed on one thread a chap had asked his bank to produce copies of signed loan agreements they have not been able to do so. The response was that if a bank cannot produce the signed copies of loan agreements the loan does not exist. My bank RBS have admitted that there are no copies of any of my "facilities" letters relating to increasing my overdraft.

Does this mean that the increases do not apply?

Can anyone answer?

Vicki

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  • 3 months later...
Hi, yes the Unfair Contract Terms 1977 does apply, thats the one of the one's I used when winning my claim against BOS back in October. Just sent my summary cause action today and have used it again.

 

Best wishes with your claim.

 

Scott.

 

Hi Scott

 

Just received a letter from Bank of Scotland telling me that I am unable to claim due to the fact that the Unfair Terms of Consumer Contracts Act doesn't cover account as it is a business account. Do you know if this is true or is it just delaying tactics.

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Why bother with the unfair terms of Consumer Contracts etc. Just go ahead with a summary case and don't mention what is not needed. I have done that and won have another case on the go and one for my son as well. KEEP IT SIMPLE IT WORKS.

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Hi, Dylanniamh.

 

With both my Court cases against HBOS on my Business Account, I used the terms.........the Unfair Terms in Consumer Regulations(1999) and the Unfair Contract Term Act(1997). I won both cases, one Small Claim and one Summary Cause. I have been told not to use the one about Consumer Regulations but it worked for me twice ?

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 3 months later...

To Scott

 

Thanks for the advice. Cheque for £1790 from BOS on its way to my bank account. Had a lot of bother though. Claimed on Summary Cause the bank didn't show up in court therefore, I was awarded £1500 plus interest and expenses. Took out a decree and got Sheriff Officer to deliver to bank. 4 weeks later still no cheque so phoned them and on the third try said that I was about to send the sheriff officer out again next week but lo and behold first returned phone call was received yesterday requesting which bank account I would like the cheque to go to.

 

I would like to stress that the claim was from 1992 until 2002 and there was no mention of 5 year limit!!

 

Donation on its way !!

 

:p :p :p

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CONGRATULATIONS.!!!!!

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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