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    • one multipage pdf only please read upload dx
    • Ok so to cut a long story Short I had a massive breakdown in a long term relationship 5 years ago leaving me with large debts. I'm a reformed person now to how I used to be with money and I'm looking to get a mortgage.  I have ignored these debts as I'm aware of the statue barred system.  Sadly the other day I have received 2 pre legal assesment letters from Lowlifes based on 2 old O2 accounts.  I'm aware that the pre assesment is just a threat but it's one I need to take seriously based on my mortgage applications. The drop off date is not till next summer.  It leaves a sour taste in my mouth to set up a payment plan for this although it could be the way forward.  I maybe up for full and final but the accounts equate to £1000 roughly.  Can someone advise me on the best option for these without judging.  I have previously beaten lowlife in court for a ccj based on another communications account I held based on no CCA to prove it was mine although I think I got very lucky as I'm aware it's not regulated under the CCA.  I currently have another CC account which I'm fighting with Roboway via the prove it method for which they have wrote to me twice over the months stating they are having issues with the original creditor.  Sorry for the long read but this is massively important I avoid a CCJ. 
    • sorry I was mixing the wrong CAT provider in there. yes JDW, not SD   so in a nut shell you cant find any payments to JDW or say Littlewoods or any of the JDW catalogue names they provided but can find ref for studio cards [yes express gifts]   so they are trying 2 claim on at least 2 cat debts that are prob SB'd and using AC numbers in their POC that don't appear to match those on your credit file?   what about the studio card details, does the payment ref match the POC AC number?
    • Ok, so I have sat down and done the sums and to say I was a little out on my original debt assessment would be an understatement. The figure I owe is actually ALOT more than I anticipated. Here is the breakdown:   MBNA Credit Card - £3,833.61 Barclay Credit Card - £9,914.02 Natwest Over Draft - £2,241.51 Paypal Credit - £2005.88 Littlewoods - £1287.33 Next - £603.98 Other (This is what I owe a friend of mine who helped me, they said they're not urgently needing this money back and to sort out the rest first but I feel a massive sense of need to repay them) - £7,000.00 Total of Company Debts- £19,886.33 Total Debt with extra money I owe friend - £26,886.33   Thank you in advance for any help and advice. This figure has been very overwhelming and is a massive wake up call for me.      
    • Hi dx100uk Thanks for reply Have downloaded all bank accounts going back to 2012, checked same for JDWilliams/ J D Williams/ Williams and can find no indication of payment at all to any name or similar But Express Gifts ( Studio Cards? ) according to bank statements made last payment ( £35 ) on 24/07/2013. The reference numbers shown by Lowell do NOT match the account numbers shown on my credit file?   Once again many thanks for help Trace
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GlasweJen

Useful contacts **Correct as at Feb 2014**

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I'm starting a thread of useful contacts to have when having a dispute at work, please add any organisations/webpages which offer impartial advice on employment law.

 

Acas (Advisory, Conciliation and Arbitration Service)

Acas - Home

08457 474 747

 

 

Citizens Advice Bureau (England and Wales)

Citizens Advice corporate website - Home

Citizens Advice Scotland

The website of the Citizens Advice Bureau Service in Scotland


Any posts submitted here on the Consumer Action Group under the user name GlasweJen may not necessarily be the view of the poster, CAG or indeed any normal person.

 

I've become addicted to green blobs (I have 2 now) so feel free to tip my scales if I ever make sense.;-)

 

 

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The Disability Rights Commission

Home - The DRC

(links to Welsh and Scottish advice are at the bottom of the home page)

 

DirectGov

Employees : Directgov - Employment

general information on employment

Edited by stu007
Removing National Min Wage Help info as no longer valid

Any posts submitted here on the Consumer Action Group under the user name GlasweJen may not necessarily be the view of the poster, CAG or indeed any normal person.

 

I've become addicted to green blobs (I have 2 now) so feel free to tip my scales if I ever make sense.;-)

 

 

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Try the Employment Tribunals own website too.

 

Under 'Procedures' there is a list of the jurisdiction they can rule on which is a good pointer to see if you feel you have a claim. Very handy.

 

Also, I always refer people to their home insurance policies as employment disputes are usually covered too. Could also be included with car insurance policies, the AA membership etc.

 

All too often overlooked, or not even realised, and it may have been paid for already which makes professional help free in a way.

 

And, usually, you can phone straight away and get some answers from a lawyer.

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Hi Jen,

 

my Trade Unions website is packed with useful info; Home

 

Regards,

 

Paul

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Not sure if its been mentioned before, but a really good book about preparation for an Employment Tribunal is

"Employment Tribunal Claims: Tactics and Precedents" by Naomi Cunningham and Michael Reed.

If you look it up on the internet Chapter1 can be read free, plus there is a very helpful on-going blog.

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Excellent website from the TUC

 

home - from workSMART.org.uk

 

:)


...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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New ACAS booklet on workplace respresentation

 

http://www.acas.org.uk/index.aspx?articleid=760

 

 

Che

Edited by stu007
Removing invalid link

...................................................................... [FONT=Comic Sans MS]Please post on a thread before sending a PM. My opinion's are not expressed as agent or representative of The Consumer Action Group. Always seek professional advice from a qualified legal adviser before acting. If I have helped you please feel free to click on the black star.[/FONT] [FONT=Comic Sans MS] I am sorry that work means I don't get into the Employment Forum as often as I would like these days, but nonetheless I'll try to pop in when I can.[/FONT] [FONT=Arial Black][FONT=Comic Sans MS][COLOR=Red]'Venceremos' :wink:[/COLOR][/FONT][/FONT]

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Please also find Unite The Union, they have experts in Equality and were part of the main framework in getting it passed through parliment and onto the statute books.

Edited by citizenB

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2751 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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