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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
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us v the Abbey for £7,500***WON***


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Thanks badboy - already sent rejection letter last thursday, as above. Got what I presume is Stage 2 letter today, from Richard Harris, stating they need another 4 weeks - what a surprise!

 

But my letter gives them 14 days, and I am sticking to that. The 14 days is up on the 21st June, and I intend to have everything ready, and will be walking up to the court on the morning of the 22nd, N1 in hand, if they haven't replied, which I really dont think they will.

 

The whole court thing still scares the hell out of me, but the more they mess me about, the stronger I am getting (or maybe thats just anger!), and I am going to see it through to the (hopefully glorious) end, walking away with a possible 10 grand (omg!) and sticking two fingers up at Abbey!

 

Jo x

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Hi there, just wanted to add my 2 pence worth! i filed my claim and they paid about £400 into my account and cancelled a few charges as well. I put my court claim in and they have just settled out of court for the full £2017.12 (cheque paid into my account today) which I have a funny feeling £400 of that ive all ready had!! thats there mistake and I am not going to argue with it!!!!:D. I had all ready filed my claim when they did this though, the communication between their departments is total useless!! I never once contacted abbey by phone, I think best to stick by letter then you always have an exact record!! good luck, I have just received a court date of 3rd Aug for my second claim against abbey so hopefully they will pay up again very quickly!!!!!! this one is about £2500

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Now I am LIVID!

 

Ordered some stuff for my holiday over the net last week, and got a letter yesterday saying unfortunately the order had been cancelled because the card issuer had declined the payment. Guess which card it was?! But I wasn't too bothered, thought I had probably keyed wrong info.

 

But I have just tried to pay my Council Tax online today, and my card was DECLINED!

 

There is over £3,000 in the account - only wanted to pay £121.

 

Just rang them, and they said they hadn't declined it, but tried three times and got same message.

 

Something very fishy is afoot here, and I don't like it. :mad:

 

What should I do?

 

Any suggestions/help/advice gratefully received.

 

Thanks

 

Jo x

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Ok, I rang them again - quote: its the two websites I used the card on that have the problem!!!!!!!!!!!

 

They insist they have not stopped my card or frozen my account - "maybe I entered the wrong details?"

 

I am the Queen of armchair shopping - I know all my card details off by heart, and would not have input the wrong info 4 times!!!!!

 

So, after the phone call I tried to pay for something else on another site, and lo and behold the card worked!

 

Still think its darn fishy, but it must just be a coincidence - after all, the Abbey would never stoop that low, would they? ;)

 

Jo x

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yes yes yes i have a post titled the abbey squeeze i had sorta the same thing done to me i had spoke to them on the phone about my account 9the day before going to get some money out of the cash machine and it eating my card)THEY DIDNOT SAY THAT THERE WERE ANY PROBLEMS WITH MY ACCOUNT BUT WHEN I CONTACTED THEM ABOUT MY CARD BEING SWALLOWED UP THEY SAID THAT I HAD BEEN NOTIFIED WHICH I HADDENT THAT MY ACCOUNT HAD A ABUSE RESTRICTION ON IT AND WHOULD BE REVUIED IN 3 MONTHS I AM AT THE MOMIANT DEALING WITH THERE COMPLAINTS DEP AS I WAS NOT INFORMED OF THIS ..I TOLD THEM THEY WERE PUTTING THE SQUEEZE ON BECAUSE I WAS CLAIMING BACK MY BANK CHARGES...I STILL NEED TO FIND OUT IF THEY CAN DO THIS LEGALY

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Oh my God thats awful badboy - I really hope you get it sorted x

 

But thats exactly the sort of thing I think they are up to with me, and I think I know why:

 

We opened a parachute account before we started the whole process, just in case, so there was not as much money going into the Abbey as usual, just enough to cover the bills. Didn't move all the DD's - thought we would do that at a later stage.

After we had started the claim, we received a letter saying they had noticed the way we ran the account had changed, and they may have to consider withdrawing the overdraft - what a surprise!

 

Anyway, last week - 5th June to be precise - we paid a very large cheque into the Abbey, the proceeds from a loan which had to be paid into the joint account unfortunately,:

Coincidence 1 - it was the 6th June the GoGW was put into the account.

 

Lunchtime today my card is declined:

Coincidence 2 - I transferred a large chunk of the cheque proceeds into my Nationwide savings account on Friday, which cleared in there this morning. Most of it is already spoken for, but I get a good rate of interest from the Nationwide, even for a short time, so why the hell not?

 

Seems like they are monitoring the account very closely to me, but none of the above constitutes abuse of the account. I am entitled to move my money wherever I like. Problem I have is now they have seen that money they will think I don't need any more from them!

 

Sometimes I really wish I had never opened this can of worms; the way bad luck follows me around, I think this is just a taster of what is to come.

 

Jo :confused:

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Hi Jo,

im sorry the Shabbey are being so awful to you makes me so :-x :-x :-x

 

I have had no trouble with Shabbey so far touch wood, but I have moved all my direct debits, pay check to my new Barclay account.

 

If I was you I would leave the account dorment moving all DD's etc asap its best for you. I have just moved my last one which is for my Abbey Loan which is for a loan for £7500 which surprise surprise is around the amount they charged over the years cheeky beggers!

 

Remember the only reason they are doing this because they want to rattle you, keep going and get back all you deserves.

 

Big Hug of Surpport

 

Leecabs :)

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Aw thanks Leecabs:)

 

Just a bit down at the moment, and probably over-reacted. Other half gone to Gibraltar to work, and I am left looking after kids, house etc and this claim on top. Just feeling sorry for myself. :(

 

And I can't move some of the DD's yet because they are in joint names and need his signature on the new instruction - blooming typical!

 

Thanks for your kind thoughts, I will pick myself up and try to carry on regardless!

 

Jo xx

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Hi badboy

 

I can't find anything in the T & C's about restricting or downgrading your account, only these two clauses, which you may already know:

 

16.4 Terminating or suspending use of your card or cheque book

 

a) We may terminate or suspend your right to use a card or cheque book at any time if we believe that it is necessary for our protection. Unless we consider that more urgent action is necessary, we will give you at least 7 days' notice.

 

24 b) We may close your account without giving any reason. If we decide to do this we will, wherever possible, give you at least 30 days' notice unless there are exceptional circumstances, e.g. fraud.

 

What I couldn't find anywhere is where it says, or should say, what recourse the consumer has should Abbey take action as above without proper grounds. Any contract surely must be retrospective; it cant work that one party can take action and the other party cannot challenge that action if it believes the action taken is unfounded. (Hope you can make sense of what I am trying to say!)

All it says is that you can close the account/cut up your own cards if you so wish! And also that parts of the contract are governed by the Consumer Credit Act 1974, but only if you have signed the agreement binding you to the legislation of the Act.

 

You have got me going again now - heads spinning again!

 

Gotta go feed my hungry monkeys now, but I will do a bit more research later and get back to you if I find anything.

 

Jo xx

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Was ironing and took a break - and sat on my glasses and completely trashed them!!!!

 

So am struggling to see computer screen, but all I will say is could not find any other info - Abbey seem to be hiding - followed loads of links on their own website for help re T & C's but pages have been deleted. Funny that!?!?!

 

Good luck

 

Jo xx

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Its just happenned again!!!!!!!!!!!!:mad:

 

Went to pay for something and card was declined. Can't ring them again - so mad I am sitting here in tears.

 

Anyone got any suggestions as to how I can sort this out please, please please!

 

Jo xx

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I know the feeling!! It happened to me already. I had r5ang Abbey this morning asking about the description/amount of chargdes that will be coming from account:mad: today and was told, sorry cannot help as all our systems are down. It could be that they are 'genuinely' down or as usual they are 'shabby'. Not a lot u can do if systems are down. I'd ring Abbey- 08459724724.

 

Andy

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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Oh I see - thanks so much for that Andy. Has made me feel better to know that maybe they are not victimising me then. :D

 

Thanks again

 

Jo xx

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Remember Jo, CAG is always here to help and give you support needed to help you get back 'ALL' your bank charges.

 

aNDY

ANDY VS ABBEY 23rd April 2007 -

 

'Don't get mad, get even'

'Patience is a virture'

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Cheers Andy xx

 

Ok guys - I have been thinking for the last week or so that I have REALLY screwed up on my LBA, but was too embarrassed to ask anyone coz I would look stupid:o - no change there then!

 

Well here goes:

 

When I sent the LBA, I included a spreadsheet of charges that I had compiled myself using the calculator on MSE.

 

After "talking" to people here, I was advised to use the spreadsheet from here, and also to put in the description for each charge. I actually just amended my spreadsheet, inserting a new description column and copying the formula across for the interest calculation - seemed easier and it worked!

 

Anyway, when going through the statements to fill in the description, I realised I had made a mistake - EEEKKK!! I had entered one extra charge for May 2005, and I had missed out one month entirely. Having amended the spreadsheet, this increases the total charges by another £120.

 

So, am I in the doggy doo then?

 

The 14 days is up on the 21st, and I intend to submit the N1 on the 22nd, but if I submit a claim for even more than I originally asked for, will it all fall apart?

 

Also, my original claim is for April 2001 to March 2007, but obviously April 2001 is over the 6 year mark now. Do I have to change it for the Court claim - ie June 2001 to May 2007, or does it count from when you originally ask Abbey for the money?

 

I am sooo confused, and so all are of you now probably!

 

Seriously though, any guidance on this would be really appreciated.

 

Thanks

 

Jo xx

Six Nations Champions 2009

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Grand Slam 2009

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Hi Jo,

 

When you submit your claim you must make sure you put in the correct charges, if you want I can take a look at your charge form send me a PM with your e-mail address.

 

I would only claim back to June 2001 up until present day (6 years), the main thing is you claim the correct amount when you enter the N1. I think a seperate claim would be best for the earlier charges after you have completed the main one, otherwise things could become more clouded leagally.

 

Regarding the amount on the LBA being different to the N1 claim does anyone know if this matters I dont think it does?

 

Cheers

 

Leecabs :)

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