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    • I cannot uploads it, that’s what I am saying, When scanning it into the computer at 300 dpi it’s still difficult to read you, the forum guide said to scan to below 300, so I scanned at 200, then I edited the file to remove personal info and converted to PDF, but I am unable to upload because the size is higher than 4.88mb, if I compress it it’s going to shrink the file and make  the resolution worse, by then you will not be able to read the small print at all. I believe the document is enforceable becouse I can read what it says and it matches the contract provided by cap1, I can upload that one which is better quality and will probably scan better. Presuming it is enforceable, what’s the best course of action to get a full and final settlement? 
    • As a consumer who was on the other end of this at the worst possible time I can give another perspective.  I was stressed as hell but I was more understanding than usual if the person on the other end at least tried to be helpful - and the vast majority did.  It often felt better to be dealing with another human who was prepared to try and find a solution than the usual 'that's what we do' scripted answer.  This remained true even if we didn't find a solution, I was very grateful for any effort.  Just as in-house conference calls now include kids and pets as the norm, I don't think consumers do mind processes being slowed if it means they are individualised -  humanised if you like.  To bosses this may well seem less efficient, I do believe it can be more effective.
    • We acknowledge receipt of our recent letter requesting data as per Section 77-79 Consumer Credit Act 1974, and can confirm that we have requested the relevant documentation from our client and we will forward it to you when it is received.   We must also stress that we are not seeking to enforce an agreement and have only asked that payment is made towards a debt that is outstanding by way of an affordable repayment plan. However, if you believe we are unable to ask that your account is repaid in this manner please provide us with specific details so the client can address any specific concerns you may have. This request is asked to also minimise potential costs and delays.   Moorcroft reply received by email yesterday.    Do i just ignore it?  
    • As Gick indicates not a FINE, if it is a genuine Letter Before Claim could you post it up as a PDF, with personal details and any reference number/barcodes hidden please   Also if you could answer the questions in this sticky, we can see where you are at.  If a LBA probably a snotty letter, but the Team can advise best response once we have full picture what PPC originally sent the Invoice?    
    • Skip hire companies have a trick they almost always use to exploit customers. This is how it is done.   Say for example if a skip was hired for a week and that duration ends on 5Aug, they will not collect on that date if there is no demand from another customer. So instead of collecting the skip, disposing the content and taking it back to their own site, they delay collection. In effect they use the customer’s driveway to "store" their heavy bulky stock. The customer "rents out" their driveway to them totally free.    Reason: Skip are large and very heavy objects. During peak times they are in great demand and companies would love to have a lot of these to rent out. Their problem is space on their depot but more importantly, it is the significant costs involved in moving them in terms of fuel and drivers. They would also need to have a good number of heavy vehicles to keep moving the skips.  During slow times, it is works better for them to move lesser number and save hugely on costs involved in movement.    What to do: 1. Haggle for price reduction if you need skip for a shorter duration than usual. Chances are they will not budge on price unless there is huge demand and their supply cannot meet the demand. So definitely try that. 2. When your collection date comes, call them and ask for collection on that date. If they refuse or give ambiguous answers, tell them, you will demand compensation for obstructing your driveway, rental for using your driveway as storage, and for inability to use the driveway to park your car as mandated as a condition in your car insurance.    In my experience, the booming voice of their staff tried to bully and shut me up - "We give no guarantee when it will be collected and it will definitely not be today."  But after I said the above, the skip was gone within an hour.    IMPORTANT: make a video fo your driveway when the skip is being lowered. The person who holds the switch to lower the skip will now be extra careful not to damage your driveway. And if the driveway is damaged due to improper technique, for example a faster drop than acceptable, you can claim for repair.     
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 16 replies

Snowwhite v Barclays bank

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Hi Everyone another newbie here sent my leter with your template and £10:00 postal order on 8th May so my 40 days nearly up :roll: will keep you posted.

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Hi snowwhite,


If the bank fails to supply you with your data then you should complain to the bank. Give them 7 days to comply and tell them that you will begin a complaint to the Information Commissioner and also that you will begin a County Court action under the Data Protection Act.

If the bank does not respond to your 7 day warning then begin your complaint and start your action.

If my advice has helped please click my scales


Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)




Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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