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chubbas dad

chubbas dad v reliance & fester

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Also you May find it is only an informal chat in chambers - you never know?

 

Jan


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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hadyanth vs Lloyds TSB - Goodbye fingernails... (multipage.gif1 2 3)

hadyanth

 

 

IMPORTANT - please read last pages


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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omg its gonna be a long month...................:( no jenny and gotta w8 till the 5 nov to see the judge:grin:

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especially if you keep talking to yourself:D

 

jan


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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:rolleyes: this is true jan and i must try and stop myself doing it.or the kidz will have me put away...................................again :)

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hi

Sorry to but in but have any of you tried to use the online banking today?

 

I can log in then it says it cant show me my account at the moment.

just wondered if this is a problem with their site or whether they have locked my account for some reason.

 

I got paid today and need to pay some bills but it doesn't seem to want to let me!

 

thanks


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:) omg omg omg omg omg ...............................................................JENNYS IN DAH HOUSE:) welcome home sweety.hope you had a fab time in the sun.i bin missing you ...............(just a little ):rolleyes:

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sorry midge i havnt cheked my bank yet i will shortly and ill let you know wats occuring:p

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Thanks chubba

 

It's ok it seems they have closed my account without notice! Wages gone in and can't access them. Will phone FOS tomorrow.

 

A&L are complete barstewards is all I can say.


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A&L closed account £200 received

 

Midge -they are well known for doing this if you have claimed charges?

But if not I would have thought there is a minimum amount of notice they have to give you?

 

Jan


Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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:) omg omg omg omg omg ...............................................................JENNYS IN DAH HOUSE:) welcome home sweety.hope you had a fab time in the sun.i bin missing you ...............(just a little ):rolleyes:

Aww missed ya too...had a great time..red hot all the time (weather i mean) got a good tan..ate too much..drank too much but had a brill time. Be glad to get the kids back to school. How's everything been?

xxxxxx

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:) just opened a statement letter fro a & l ,and enclosed is a new fee timetable and new fee names too.i love you a & l you are priceless.my partner just got the same from lloyds, and they are cheaper.......hmmm mite be worth a trip down the high street (new account time).......................wonder if a & l are gonna loose a lot more customers now lmao. :roll: well heres one thats about to fly the nest.

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:roll: its a long way to bank reclaiming,its a long way to go!!and its getting tiresome...............so wraggy pay up now,b4 i get realy bored.you know you have instructions to pay up , so do it!! then a & l can close my account, (with my permission after the money is cleared and withdrawn of course) and i can go elsewhere and be happy again.:p oh and i almost forgot........ :evil: i missed out on a lovely yamaha r1 2002 imaculate one owner new michelin pilot power and yoshimura thanks to your slakking.so get a move on :evil:

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see this is what im missing out on ...........................................................media?id=606179043

 

 

my daddy wants a missile like this plz mr wraggy

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good luk for the morrow jen.im sure we will all be thinking of you,and keeping our fingers crossed.i am now at the stage where a storm is brewing inside me.it will be difficult to hold my tongue if judgey upholds my stay.:evil: .wish i had someone who could articulate elequently on my behalf.but they cost money and its pounds i can do without spending.just gotta hold it all together now. good luk ..............hope you wont need it:)

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Ta Hunny...my hearing is on Thursday. If they grant the stay i wont appeal as my judge wont probably lift it...but ive got all the arguements not to grant the stay so whatever will be, will be. Whats another few months when they have been messing me about for 10months?

XX

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hi all, and hi jen.:D yes im ok:rolleyes: just doing over time to pay for a new push bike(yes pedal cycle) i thought id take up the goverments offer of a tax free bike to use for work commuting.great scheeme:oops: bin running since 1999 as i understand it.so why does no one know about it i ask?

 

 

got to get myself sorted as the 5 nov is looming, and i want to get things right.

 

stand by for stoopid questions and blondeness ha ha :-o

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Hi hun...what scheme is this? I know i'm been blonde!! And 5th Nov..are you THE guy!!

xx

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its called "cycle to work scheme" you need to get your employer involved.he then purchases bikes that you rent from him over a 12 or 18 month period.you sacrifice a set amount of your wage and you dont pay tax or ni on it.(gross)then you get a net figure ie £4 wich comes out of your wage weekly for the payment or rent of the bike.at the end of the term agreed your employer offers you the bike for sale at 5% of the original price and the bike becomes yours.simple but effective, tax free purchase, giving a saving of between 43% and poss over 50%.the bike i am getting is £549, in halfords sale it is reduced by £110

 

 

Total cost of bike and accessories:

 

 

£449.00

 

 

 

 

 

 

 

 

VAT saving on bike and accessories (NB helmets are exempt from VAT):

 

 

£66.87

 

 

 

 

 

 

 

Net cost of bike and accessories:

 

 

£382.13

 

 

 

 

 

 

 

 

 

 

Income tax saving over hire period:

 

 

£84.07

 

 

 

 

 

 

 

NI saving over hire period:

 

 

£42.03

 

 

 

 

 

 

 

 

 

 

Final cost of bike & accessories:

 

 

£256.03

 

 

 

 

 

 

 

 

 

Total saving:**

 

 

£192.97

 

 

 

 

 

 

 

Gross monthly salary sacrifice, based on 12 month hire period:

 

 

£31.84

 

 

 

 

 

 

 

Net monthly salary sacrifice, based on 12 month hire period:

 

 

£21.34

 

 

 

 

 

 

 

Percentage saving over RRP:

 

 

43%

 

 

 

now thats what i call a bargain.its all above board,have a look.:D

 

Get a tax free bike for work | CYCLESCHEME

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i dont think many have heard about it.our boss stumbled on it and i think he will rue the day he did . lol .3 of the lads are serious road and hill riders .they just ordered semi pro hard tail mountain bikes ................cheapest being 900 quid lmao:D

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