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    • I cant help thinking that if we had to complete a questionaire that asked if you were "physically able bodied" before you were interviewed then this would be classed as discriminative.   Yet you can be asked to explain a gap in employment and that this is not classed as discriminative to people who may have had a mental breakdown.   Ok on this occasion I had taken a work break, if thay had asked a bout a break I had taken 10 years earlier then it would have been a different story as I had suffered depression and anxiety at that time.   It just seams to me that it puts people who have had a mental health issue at a disadvantage.      
    • I am just outside of the HS" zone for compulsory purchase. However,I put my house up for sale 4 weeks ago, and have had 2 viewers. Both said they like the house but the threat of HS2 having framework across the road put them off buying my house.    I am aware that I can take HS2 to court and get the court judge to (hopefully),force HS2 to purchase my house at market value under the Blight Order.    How do I go about starting the process?. Which court would the case go to?. Am i best enlisting a claims specialist with success in this field?.    The estate agent who my house is on the market with has told me that they have the feedback documentation from the 2 viewers testifying that HS2 put them off buying my house, so they would be available to the court.    Apparently there has already been 1 successful case on my street, and 1 two streets down, and there is another case on my street going through the court.    Any help, laws,quotes etc would be greatly appreciated.
    • Hi HubbaLoo and welcome to CAG   It's no surprise that the likes of CARS and Harlands  make far more charging admin fees than they do from taking a small monthly percentage of the gym fees.   It's best to tell CARS your new address - best that you know what they're up to at all times.   Send them a typed letter (no emails for now) saying:-   Dear sir or madam,   Membership at [town/city] DW Gym   My current address is as shown above.   I cancelled my membership when I relocated and supplied details of moving. I do NOT have to supply utility bills etc as demanded from you and will not enter into further correspondence with you.   If you continue to harass me for payments of admin fees, I will make formal complaints to the appropriate authorities.   Yours faithfully.    
    • It is not the DVLA that insist it must be insured, it is s.144A, Road Traffic Act 1988. Off road and SORN is one of the exceptions - s.144B of the same act.
    • Update  Ico and tpos are both useless Martin quinn has said to them that the signature on the tenancy agreement is diffrent and neither have asked for proof  The police have not given me an update on the supposed burglary or speakers that went missing that the man n van was meant to deliver  even after asking 9 times so now I'm trying to put pressure on them to tell me why they wont    I'm also going to try and get him under the Protection from Eviction Act 1977 as what he has done is a criminal offence
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Bigbearuk

Ruthbridge LTD

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i wonder if I should speak to your nice lady at MBNA about the four defaults on my one MBNA account registered by different people.


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Hi Bigbear

 

Take a copy of your document, blank out personal info, scan to jpeg then upload to Photobucket, click on IMG code (think it's either third or fourth box down), then right click, copy and paste on your thread:) - worked for me

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Take a copy, blank out personal info, scan to jpeg, upload the doc to photobucket, highlight IMG code, right click, copy and paste on your thread:)

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Anyone had the Charley Taylor one yet ?

 

Can someone advise about what course of action to take agaisnt a group of overpaid, undereducated, school boy bullies. ( Ruthbridge )?

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Report them to all and sundry for various offences contrary to whatever laws they happen to have broken in your case, and breach of OFT guidelines on debt collection. Have a moan at Cabot (if they are acting on their behalf) about the actions of the firm they have employed to collect a disputed debt. Assuming you have disputed it, of course.

 

TS, OFT, will do as a start. Surely they'll get fed up coughing up £400 to the FOS for every complaint too? Who knows. ;)

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Hey Seahorse, thanks for the info, i have allready spoken to TS about them once, I have spoken to Cabot and they said they would retrieve the retract the debt back to thereselves. Not sure what this means, I have also had the Dereck Maxwell Treatment lol - and i quote "Your a scared little boy Mr *****, I will have you mark my words" Also he insisted that he owned the company which i also found highly amusing.

 

Can you do me a favour, or possibly help with my case in someway, Im not sure about CCA ? And also i have the dates of my debt eg sold to Cabot from BC. Kinda need some advice on how to tackle, im sure the debt is 6 years old, but im grey in the area about acknowledgment ?

 

Hope someone from the great forum can assist.

 

Thanks :)

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Hi CharleyT you need to start your own thread on this that way you'll get lots of help and advice and your posts won't get lost in this thread.

 

Post a link to your thread on this one if you want.

 

If your not sure how to start your own thread or post a link have a look here http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html


HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thanks i have opened a new thread, please have a look see if anyone can help in anway :)

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Time for an update

 

After send them a few letter Cabot took my account back from Ruthless, and then passed it over to Mackenzie Hall, who then passed it back to cabot after asking for a CCA and S.A.R.

 

Looking over the file cabot send me they are saying i paid £10 of my account when in-fact it was a S.A.R request to Ruthbridge how just took it of the total debt and did not send me any info under my S.A.R.

 

They did this because the 6 years are up come the end of Jan 08.

 

Not sure how to tackle the £10 taken of the debt, i know they want the clock to stop but i have never acknowledged i owe this debt to anyone so the last payment was Jan 2002

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A swift reminder with a copy of your SAR letter, and telling them they appear to have misunderstood the purpose of your £10 fee should settle their hash. Especially if you tell them that unless they acknowledge the fact within 7 days, you'll complain about THAT as a separate issue, and ask the FOS to investigate for you.

 

Cheeky monkeys, ain't they? :rolleyes:

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update

 

Yes they are cheeky:)

They have not replied to my letter about the issue of ruthbridge taking the £10 of the debt which was sent with my S.A.R to Ruthbridge way back in August, Cabot are still sending me letters asking me to contact them but from the S.A.R data they sent me, the debt was statued barred in Jan 2008.

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well, all has been quiet but today i got a letter from some DCA called Clarity in Northampton asking me to call and pay them with my credit or debit card the only think i did do is send them a letter :) have cabot started to use these insted of ruthbridge.

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well, all has been quiet but today i got a letter from some DCA called Clarity in Northampton asking me to call and pay them with my credit or debit card the only think i did do is send them a letter :) have cabot started to use these insted of ruthbridge.

 

 

 

 

Hello Bigbear,

 

 

Re: Clarity credit management owned by nikko who owns cabot

 

 

http://www.npil.co.uk/news_item.asp?ID=45

 

 

Regards, Jeff.

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