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    • You need a back up plan. If you believe that redundancy is very likely, start looking at other employment options.  Don't leave it until you have been made redundant before looking for new employment. I regularly speak to people who have been made redundant and about mental health. Those who have a positive plan, get into employment quickly following redundancy and manage to maintain their finances. Those who don't have a plan, decide to accept redundancy and a period of unemployment. They end up in a downward spiral, with redundancy money spent, debts accumulated, mental health decline and difficulty finding new employment.  
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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
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Cank vs Halifax


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Cank, This will be a landmark case that will move the issue of reclaiming our monies to another level. I for one wish you the best of luck and hope the judge sees the banks for what they are [EDIT] BEST OF LUCK!!!!!!!

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Yeah Good Luck Cank. Look forward to hearing how it went

Morgan Stanley

**Won 31.01.07 with CCI**

Capital One

**Won 19.04.07 with CCI**

Halifax current & Joint

Verbal S.A.R 11.01.07, stats recd 18.01.07

Halifax Visa prelim sent 26.01.07. Reply 31.01.07 Filed N1 on 20.03.07 - Judgement granted, sent in the bailiffs

GE Capital

Frazercard Prelim sent with CCI 27.01.07

Burtons Prelim sent with CCI 22.01.07

 

RBOS Visa S.A.R sent 12.01.07

Partners JJB card (Creation) *Won* with part interest - 15.02.07

 

 

Partners LLOYDS Account S.A.R 13.12.06 - stats recd 30.01.07. Prelim sent with CCI 01.02.07

 

Partners BOS Mastercard Offered all charges except £12. Refused. N1 filed 20.03.07 - Judgement granted, sent in the bailiffs

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hope all went well for you and in your favour Suspense is killing to find out the verdict

MY CASE

 

Newbody Vs Abbey

 

NB: Please read the FAQs & step-by-step instructions thoroughly & completely before commencing any action

 

the following is a link to a web archive of abbey websites over the time click on month under year to access Abbey's site for that time period to get what the terms and conditions were for when you opened your account Internet Archive Wayback Machine hope it helps or here for where i have started to pull them out to http://www.consumeractiongroup.co.uk/forum/abbey-bank/91707-archives-abbeys-web-pages.html

 

Advice & opinions given by me are my views or how i would respond, and are not endorsed by the Consumer Action Group & are offered informally, without prejudice & without liability. Your decisions & actions are your own - if in any doubt, seek the opinion of a qualified professional

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well???? How did it go??? come on!!! were all waiting here anxiously!!!!

 

:shock::confused::shock::confused::shock::confused:

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Thanks for all the support peeps.

 

It went like this.

 

Halifax sent 2 barristers as expected, they were making a strike out application.

 

I fought my corner and pushed the deliberate concealment as far as I could.

 

They claimed thay they were not deliberatly concealing the true cost of their charges and had I asked 8 yrs ago they would have willingingley told me.

 

I pulled out list of sample cases and asked if he was seriouley suggesting they would give me info they had spent over a mill trying to hide cos if he was he was being very very silly. The judge laughed and said he would write to us with decision.

 

I pointed out all i was asking for was someone from the halifax to come to court and answer questions.

 

I had asked for true cost in Data Protection Act, First Letter, 2nd letter, POC, and letter to court to no avail

 

So....

 

Still waiting

Halifax - £2500

Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.

NatWest - Contactual Interest - Won:p

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WHAT A MAN YOU ARE, WELL DONE!!!!! Such guts and such spineless defense. Wishing you the very best and let us hope the judge ses the banks concealment strategies for what they are.

Did they thus tell the court what the scale of their charges are or will they be sending that in to the court?

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  • 2 weeks later...

Just spoke to the court. The Judge has now decided to have a short 15 minute hearing to hand down his judgement/decision.

 

Is this usual after a strike out hearing?

 

Worried now dont know what to make of this.

Halifax - £2500

Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.

NatWest - Contactual Interest - Won:p

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with recent events i would pm a mod or 2 to ask about this incase the judge is deciding to follow the loyds out come so you have arguments in place to fight your corner with

 

My opinion on Lloyds Gate is the mistake was the OP not admitting to it being their action which caused a breach of contract

MY CASE

 

Newbody Vs Abbey

 

NB: Please read the FAQs & step-by-step instructions thoroughly & completely before commencing any action

 

the following is a link to a web archive of abbey websites over the time click on month under year to access Abbey's site for that time period to get what the terms and conditions were for when you opened your account Internet Archive Wayback Machine hope it helps or here for where i have started to pull them out to http://www.consumeractiongroup.co.uk/forum/abbey-bank/91707-archives-abbeys-web-pages.html

 

Advice & opinions given by me are my views or how i would respond, and are not endorsed by the Consumer Action Group & are offered informally, without prejudice & without liability. Your decisions & actions are your own - if in any doubt, seek the opinion of a qualified professional

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Just spoke to the court. The Judge has now decided to have a short 15 minute hearing to hand down his judgement/decision.

 

Is this usual after a strike out hearing?

 

Worried now dont know what to make of this.

A judgement handing down hearing is nothing to worry about. It is just that - you'll be given the judgement.

 

When is the hearing?

 

Who applied for a strike out, you or them?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Sorry - ignore the last question!

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Well,

 

Went to vourt this morning to hear the Judge hand down his decision.

 

And I lost.

 

Judge totally disagreed with all my points and threw case out.

Halifax - £2500

Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.

NatWest - Contactual Interest - Won:p

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I'll PM you now...

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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yOU CANNOT BE SERIOUS?

 

geeeeeez.

 

I am sorry. this is bad news for you and everyone else :-|

[COLOR=royalblue]Halifax......WON 16/7/07 :D [/COLOR] [COLOR=red]Nationwide...WON 16/7/07 :D [/COLOR] [CENTER][URL="http://petitions.pm.gov.uk/sections187and45/"][B][SIZE=4]Please sign this Downing Street petition on Bank Charges and Benefits[/SIZE][/B][/URL][/CENTER]

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Guest bong

Cankster, bad luck mate, so sorry to hear this.

 

can you give us more information about the judgement?

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Am just scanning judgement now, will pop on to helpanyone else

Halifax - £2500

Legal & Trade - Webt to courtfor Breach CCA, Complained to OFT they ruled in my favour, So did court, 2k written off.

NatWest - Contactual Interest - Won:p

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