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    • Hi all,        I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. So would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue?   Anyway, if it's more helpful, I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, so put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
    • There is a plea guilty website...   Screenshot 2024-05-22 144200.pdf
    • Looking for a bit of assistance. I moved into a rented flat on 20th April 2024. I viewed it on the 14th April. Before I moved into the flat, the letting agency provided me with an offer sheet, in said offer sheet I made a number of requests and conditions related to me progressing with assuming the tenancy. These were: 1. A professional clean of the flat prior to move in date. 2. The hob, shower glass and bathroom cabinet be replaced prior to move in date. These were all planned actions by the landlord when I viewed it. I could see the boxes for the hob and other items in the flat. I prepared to move in on the 20th April but none of the work mentioned in the offer sheet had been completed. The standard of the clean was abysmal - mouldy food left in the fridge, nothing wiped down, bathroom mouldy etc. The hob, shower glass and bathroom cabinet were also not installed. I decided to not officially move into the flat as it was not in a condition as promised, my partner lives relatively close by so I lived with her initially. It was only on the 24th April that the hob, shower glass and bathroom cabinet were installed. The cleaners visited again 2 weeks after move in date (3rd April) and attempted another clean of the flat. Again, it was a poor job. I resorted to cleaning the flat myself. I have numerous pictures of the things I identified during my clean and have sent this all to the letting agency. Because of the issues faced, I asked the letting agency that the rent be reduced for the initial month. Exactly halved - to represent the 2 weeks that I was not living at the property. The landlord and letting agency have responded by saying that they will be willing to accept 1 weeks rent as a deduction but not 2. My question is, am I in a strong position to insist on the 2 weeks rent returned or have I been fortunate that they have even offered a weeks rent as a deduction? I would like to insist on the 2 weeks. I have paid the 2 weeks only as my rent collection date passed 2 days ago. Thank you for any assistance. Any further relevant details required let me know and I will provide.
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Locy has a new job thats taking up a lot of my time I'm afraid... I'll have to limit my bumping tallent to mainly weekends I'm afraid.

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awwwww so do we need to find another week day bumper :eek:and do u get time and half for weekends:rolleyes::Dgod well need to advertise for another bumper wonder the qualifications would be :pxxkia

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Depends whose bottom we're being kept away from, if you see what I mean. ;)

 

 

 

 

I can think of a few 'rears with the gear' that I could quite enjoy being close to ................... errrr, that doesn't sound quite right ....

 

 

how about, I've seen some rears (on the opposite sex I emphasise) that brightened my day no end. :p

 

 

Errr, that doesn't sound much better does it .... think I'll quit while I'm ahead.

 

 

 

 

 

Wonder if the Boss is gainfully employed again??

 

 

C'mon Charley .... keep us posted please, we worry about you when you're not around. :):)

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Saturday night bump ladies?? :D

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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Wonder if the Boss is gainfully employed again??

 

 

C'mon Charley .... keep us posted please, we worry about you when you're not around. :-):-)

 

 

Quick update then sweetie, 'cos I don't like to think of you worrying about me:D

 

Been busy returning cars and stuff this week, and arguing about redundancy payments or lack of them:mad:

 

 

but as of right now, I'm a lazy good for nothing layabout benefit scrounger;)

 

 

or a hard-working, jobseeker, leaving no stone unturned in his desperate search for a job..............I'll let you decide which;)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

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Quick update then sweetie, 'cos I don't like to think of you worrying about me:D

 

Been busy returning cars and stuff this week, and arguing about redundancy payments or lack of them:mad:

 

 

but as of right now, I'm a lazy good for nothing layabout benefit scrounger;)

 

 

or a hard-working, jobseeker, leaving no stone unturned in his desperate search for a job..............I'll let you decide which;)

 

 

Awww Charley, you know we think you're a hard worker ........... I'll keep everything crossed that you find a suitable job very soon. :)

 

 

 

Hmm, could've done with keeping things crossed the weekend I had food poisoning too ........ but that's another story. :roll:

 

 

Keep smiling Boss, you'll soon be back on the gravy train. :):)

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Awww Charley, you know we think you're a hard worker ........... I'll keep everything crossed that you find a suitable job very soon. :)

 

 

 

Hmm, could've done with keeping things crossed the weekend I had food poisoning too ........ but that's another story. :roll:

 

 

Keep smiling Boss, you'll soon be back on the gravy train. :):)

 

I'm not going to make any smutty comments about your mother telling you to keep some things crossed:p:p

 

You know me sweetie, I always keep smiling, no matter what.......but it would be nice to have just a little gravy, and I had enough of trains last week to last me for ages:D:D

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

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I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Awww Charley, you know we think you're a hard worker ........... I'll keep everything crossed that you find a suitable job very soon. :)

 

 

 

Hmm, could've done with keeping things crossed the weekend I had food poisoning too ........ but that's another story. :roll:

 

 

Keep smiling Boss, you'll soon be back on the gravy train. :):)

 

 

When I started reading, I thaught it was going to go on to say:-

Hmm, could've done with keeping things crossed the weekend I had got pregnant too ........ but that's another story. :roll:

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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When I started reading, I thaught it was going to go on to say:-

 

Hmm, could've done with keeping things crossed the weekend I had got pregnant too ........ but that's another story. :rolleyes:

 

 

As I got pregnant both times in the middle of the week and it's now some 39 years since the last pregnancy .... I haven't bothered with worrying about crossing things since then. :roll:

 

 

 

 

 

 

 

 

 

 

 

 

It's been too much fun with 'things' uncrossed. :p:p:p;)

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I have just seen another tumble weed blow past in here. Where are all of the Angels?

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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I have just seen another tumble weed blow past in here. Where are all of the Angels?

 

let me see if I can do a quick update for you uk..............they'll soon correct me if I've got anything wrong

 

 

Robdblynd..............often here at odd times of the day and night, recovering from a busted leg, a dose of the "hobbles", and often to be found shooting things;)

 

kia..............to be found here most times of the day and night, recovering from a bump on her a$$da:)

 

cassie...............not seen much at all recently, recovering from a sore bum:p

 

KK...........pops in and out and leaves sarky, cutting posts...don't know if she's bumped or broken anything;)

 

Bonnie.........emigrated to Facebook:p

 

woolley........a law unto herself:rolleyes:

 

the others have got more interesting things to do with themselves than make inane and pointless posts on here

 

I think that more or less covers everyone:p

 

 

will that do as a quick resume, or would you like specifics?

Edited by charleyfarley

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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KK...........pops in and out and leaves sarky, cutting posts...don't know if she's bumped or broken anything;)

 

 

:rolleyes:I haven't left a sarky, cutting post for ages! :roll:

 

 

 

 

And, for your information CF, I can think of something that I've broken :wink:

But, it'll have to remain a secret ~ because I wouldn't want to cause any embarrassment! :oops::)

Edited by KnellyK
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No that's fine Charley.

 

Come on Knellyk tell all .. .

WARNING TO ALL

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sorry been kinda busy lately with my spreadies and a girl has to get them right ask charley :eek::pback for now but who knows how long and i dont know about kk posts been cutting would have said more sharp with the hypodermics and where she puts them ;)that right kk :Dxxkia

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Hi Angelsl and Charley - long time no see/hear.

 

So So So glad to know you're all still here.

Lots been happening (apart from the pain in the bum Charley). Still got the pain but had an epidural in July/Aug - first few nights without pain - glorious!! Back at work and still suffering - because I'm back at work and not on prescribed painkillers they won't give me another epidural!!!!

 

My friend, Carmel, who a lot of you will know lost her son to cancer last year, went on holiday to Spain with her other 2 sons in July for a family holiday in memory of James. She fell by the pool and broke her ankle in 3 places. Operation in Spain - no-one spoke English - sons argued over who was going to look after her - eldest son more worried about his children (who in-advertently caused the accident - long story!) Been ferrying her around ever since.

 

My eldest son came home from Norfolk - split up from his partner. Instead of going away and leaving me to downsize my 2 seem to be here forever...........

 

My discounted mortgage rate came to an end at the end of September. Mortgage went up £229 a month on 1st October. Came down £79 in October so I'm hoping for a serious rate cut tomorrow!! Just living month to month....... and hoping.............

 

Got stitched up recently................. any help appreciated - tell me where to post?....

 

Saw a website for cheap cigarettes................I know, I know.............anyway placed an order for 2 cartons (400 cigs) for my mum. she lives in Ireland and is feeling the pinch financially. She's smoked all her life and she's 82! They send the cigs 200 at a time to get around import duty. she got the first 200 but the 2nd carton was stopped by customs - they want 74 euros, VAT, Import duty, etc. (more than I paid for 400)

After she got the first 200 I placed another order for 2 cartons (approx £62) - these have been retained by customs!!!!

 

The website tells you they are able to ship to Europe but it is your responsibility. They also tell you any undelivered cigs will be returned to them and you will be refunded, BUT they don't put a return address on the package. I know this because I got in touch with the customs in Ireland who told me it is illegal to ship cigs in this way in the EU - you are allowed to bring in 200 but only if you are travelling. The website is

cigs-sale.com. I would be grateful for any advice on what to do. I have emailed them and I'm not getting any joy.

 

Charley I'm so sorry to hear about your redundancy - I do hope you get something soon.

 

Robdblynd - I'm so so so sorry I haven't been in touch - I will email you soon, i promise.

 

So Sorry for the long post............................ just off loading!!

 

Cassie xxxxx

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Blimey..........look what the wind blew in:D;):D

 

 

 

Hiya cass, great post, sounds like you've been having a lovely time when you've not been here with us:rolleyes:

 

 

can't help with the cigs bit I'm afraid, but thinking about your friend's accident..doesn't it amaze you how people react in circumstances where they need to show support or actually do something rather than just talk. You find out who people really are in times of adversity

 

 

Can't you get prescribed painkillers to enable you to qualify for another epidural? or is that too simple a question:confused:

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Charley, you're so right.

 

Her eldest son was more concened about his children not enjoying their holiday!!!!!!!!!!!!!

She had a terrible time - pins and metal plate put her in her foot - should have had DVT injection before being put on the plane home but because the instructions were all in Spanish no one realised. Thank god she was OK.

I was visiting my mum when she got home and my son called me to tell me what happened to her, so I told him (where were her sons??) to get her to the hospital (she was waiting for an appt. to see her GP..........????) Thank God she went because they took the plaster off and realised her foot was "set" at the wrong angle!!

 

She's out of plaster now but still off work and this is since July.

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