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    • Its okay - It happens. And this is why DCAs  user every trick in the book to try and make you crack.  Now its time to come back.    Im not sure how to proceed if Im honest if they have issued a Letter Of Claim.  Only as You could complain to Oakbrook and they still proceed with Legal Proceedings, but I dont know if that would help or hinder the legal proceedings if they began down that avenue.  I know a FOS complaint wouldnt stop Legal Action and probably run along side it.  But I guess a judge would view a disputed balance with the original creditor as cause for concern whether the DCA's claim is valid?    A bit of a muddle.     
    • That is superb. To answer your question - Dear Mr Dhaliwal Change the sentence - As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us ... To - As our disabilities were ignored and disregarded for the time taken I believe this is discrimination against us contrary to the Equality Act 2010. Iceland have always been useless, not only in your case but in others, but I think if they realise they are breaking the law it will encourage them to act. I also think the letter is overlong and you could lose the paragraph - I cannot afford any unfair charges of this kind as I am severely struggling financially. I cannot work and am a carer for my disabled Son who also has a mental and mobility disability. I obviously do not have any disposable income and am in debt with my bills. So its an absolute impossibility for me to pay this incorrect charge - as the main points are made elsewhere.  
    • Hands up in the fact that i have probably F***** *P!!
    • Car Finance Awards celebrates best of the industryView the full article
    • I want to add my 2 cents here...  The purchase of this debt, Perch Group dont absolve themselves of liabilities from the Original Creditor. They should be responsible for dealing with this complaint in response to an Irresponsible Lending dispute.  If the balance is disputed as such in that way - Then they should be referring to the Original Creditor where applicable.    Also if your complaint was written in a way where a template wasnt used or it was rewritten to a similar effect where it wasnt recognisable - Then you probably would have stood a better opportunity at it not getting rebuffed.  To be honest those - Perch and TM Legal are a waste of Oxygen and will say anything to get you to pay.    Ditto on the template. Where did you find it?  Please keep in mind we have to unravel what you have done till now and help build a formal response.     
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And rightly so :grin: ..................

 

 

but I've a solution .......................... I've put a target round the pot and since then there's been no missing p's in my house.

 

:wink::grin:

 

Blimey T, those dogs of yours are well-trained!!!!!!!:p:p

 

 

Is that how you got so good with the bows and arrows, all that target practice?

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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Sure is sunshine ............................................... and I wasn't aiming at the pot either. ;)

 

 

 

Got lots of pointy things to aim and not a one misses ................ that's what I call well trained.

 

 

 

 

 

 

 

 

There are 3 male presences in my house and they are all VERY well trained thank you. :D

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how it shou1d be t :Dnot fee1ing so we11 atm keep thinking i got the f1u but apparent1y i think i got the f1u once a week cheeky beggar eh but its not norma1 to go to bed at 5 o c1ock and miss a11 my soaps is it :rolleyes:fee1ing achy as we11 but no temp so its not u know what xxxxkia

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how it shou1d be t :Dnot fee1ing so we11 atm keep thinking i got the f1u but apparent1y i think i got the f1u once a week cheeky beggar eh but its not norma1 to go to bed at 5 o c1ock and miss a11 my soaps is it :rolleyes:fee1ing achy as we11 but no temp so its not u know what xxxxkia

 

 

bed at 5o'clock, and feeling achy?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

BTW, who's Achy?:wink:

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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this is great....we slip down the table, and I get to write

 

B

U

M

P in big capital letters:p:p:p

 

 

 

 

and then casually mention the missing P.

 

 

 

 

 

 

 

when I miss with a p like that, I get told to clean it up:eek::eek::eek:

 

OOOhhhhh CF! ~ It looks like your BUMp's been squeezed! :D

 

 

 

 

As you can see, I found the missing P! ;-)

Edited by KnellyK
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not fee1ing achy now thankfu11y cf he might disagree though ;)just fee1ing uckky now *sighs* xkia

 

 

Blimey girl, you change 'em quick

 

one minute Achy's getting felt, and now it's Ucky's turn:eek:

 

 

 

 

 

 

 

 

 

 

or is it both together??:p:p:p

 

 

 

 

 

coughcoughswineflucoughcough: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

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

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

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Blimey girl, you change 'em quick

 

one minute Achy's getting felt, and now it's Ucky's turn:eek:

 

 

 

 

 

 

 

 

 

 

or is it both together??:p:p:p

 

 

 

 

 

coughcoughswineflucoughcough:D

we11 cover your mouth cf or we wi11 a11 get it and ive had it every day this week :eek:or thought i had :rolleyes:now im fee1ing happy as we11 ;)good week eh :Dxxxkia
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Feeling Happy? . . :eek: Does he know?

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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Dopey is the manager of a premiership footy team isnt he ? ( and no, i'm not saying which one ).

Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

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Hi All

 

Sorry, not posted for such a long time, but I've been watching from afar to see that all the Angels are OK.

 

kia - So sorry to hear about your dad. I've got a friend - only 52 years old - going through the same............

 

T -please call me, I've lost your no.

 

I lost my dear dog, Cassie, a few weeks ago and I'm finding it hard to "pull myself together" as everyone is telling me to. I loved her sooooooo much:(

 

Charlie - have you got a job yet?????

 

Liz xx

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awwwww cassie so sad good to see u though yes dad is troub1esome and hiya baz me o1d chicken matey :Dhows everything in the chicken coop these days ;)heard u was sneaking around the ange1s 1iar (is that how u spe11 it :D)prob not ah we11 think them sta11ions nicked the dictionary :pcassie its sad when it happens that young my dad is 79 now so he has had a 1ife kinda and suppose he dont know hes i11 but do come back eh we miss u on here xxxxxkia

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Hi Cassie :)

Nice to see you posting again. Sorry to hear your sad news, it can be difficult to get over the loss of a pet :| ~ and often, others don't understand your grief.

 

It will feel a bit better ~with time.

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Hi All

 

Sorry, not posted for such a long time, but I've been watching from afar to see that all the Angels are OK.

 

kia - So sorry to hear about your dad. I've got a friend - only 52 years old - going through the same............

 

T -please call me, I've lost your no.

 

I lost my dear dog, Cassie, a few weeks ago and I'm finding it hard to "pull myself together" as everyone is telling me to. I loved her sooooooo much:(

 

Charlie - have you got a job yet?????

 

Liz xx

 

 

 

Eh up Cass, how're you doing?? long time no see:D

 

 

I'm really sorry to hear about poor Cassie, she'll leave a huge hole in your life, but like T says, try and keep smiling

 

I haven't got a job yet, but it's not for want of effing trying:(:confused:

 

btw...how's your bum nowadays?:p

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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Eh up Cass, how're you doing?? long time no see:D

 

 

I'm really sorry to hear about poor Cassie, she'll leave a huge hole in your life, but like T says, try and keep smiling

 

I haven't got a job yet, but it's not for want of effing trying:(:confused:

 

btw...how's your bum nowadays?:p

:eek::eek::eek:did i miss that bit :D note to onese1f i must not fee1 happy too much that i miss the goss :Dxxxkia
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:eek::eek::eek:did i miss that bit :D note to onese1f i must not fee1 happy too much that i miss the goss :Dxxxkia

 

Oh Kia! Do try to keep up! :p You missed the goss before you started feeling happy! Maybe it was someone else's turn! :D If you look waaaaayyyy back on the thread (Feb/Mar 08) you'll see that Cassie was in great pain! :eek:!

 

 

CF clearly has a good recall of incidents involving bums! :p

Edited by KnellyK
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Oh Kia! Do try to keep up! :p You missed the goss before you started feeling happy! Maybe it was someone else's turn! :D If you look waaaaayyyy back on the thread (Feb/Mar 08) you'll see that Cassie was in great pain! :eek:!

 

 

CF clearly has a good recall of incidents involving bums! :p

 

 

He really has a good memory - it was Feb/Mar LAST year. :shock:

BTW Charley, thanks for your concer.:) I've still got the pain in my bum and down my leg, it's a lot better but still comes back quite severely at times. The joys of getting older:rolleyes:

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ahhh vagu1ey remember something and yes i must stop fee1ing happy ickky and achy :rolleyes:wonder who e1se i can fee1 :pof course im fee1ing sneezy tis hayfever season :Dboom boom :Dxxxkia

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Sorry to hear you're still in pain Cassie :).....................

 

 

 

but you are right ;).......................................

 

 

 

 

 

 

 

 

 

 

Charley has the most fantastic recall of all things involving the female anatomy :rolleyes:.......................... that's why he's the Harem Master ............

 

 

 

 

 

 

 

 

even if most of the Angels have absconded without his leave. :confused:

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Sorry to hear you're still a pain Cassie :).....................

 

:eek::eek: That's a bit harsh T, she's only been back 5 minutes:D

 

 

 

 

 

Charley has the most fantastic recall of all things involving the female anatomy :rolleyes:.That's because he's a bloke:p.........................

 

 

 

even if most of the Angels have absconded without his leave. :confused:

 

they'll be back as soon as the test case is settled.................they'll be old and grey by then, but they'll be back:p

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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I know you're fond of bottoms Cf ......

 

 

 

but did you have to let us fall onto page 2 just so you could get close to another one. :rolleyes:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

bottom of a page that is. :D

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they'll be back as soon as the test case is settled.................they'll be old and grey by then, but they'll be back:p

 

And RICH!!! :)

 

 

And, I don't know about the rest of the Angels ~ but as long as the test case is settled in the next 3 years I'll still be in my 30s! :p

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