Here's a little pressie from the Cabot Fan Club that may help you people....Ken Maynard is going to be sooooo pleased to be reading this and it comes with all our love: Subject matter: In House solicitors - Think MORGANS, they are Cabots in-house solicitors EU Court rules that in-house lawyers are not covered by legal professional privilege Summary On 14 September 2010, the European Court of Justice held that, in the field of competition law, internal company communications with in-house lawyers are not covered by legal professional privilege. Background The judgment follows a dawn raid by officials from t

I am in the building trade, and have come accross this many times before. The problem here is that before any extra work is carried out there should be paperwork with an agreed price. If its in writing, there is no problem. The builder has had to do extra work (which is not his fault) and wants paying for the work. I suppose the only lever he has is not to do anything else till he gets paid for what he has done already. If he has done the work, and its to a good standard he should be paid. Hindsight is a wonderful thing, but always get everything down in writing. Additionally, the surveyor might not be at fault either. I have surve

Hi everyone, I have just been browsing the forum and reading all of the great misfortunes about whatever happens. As a DSGi employee I felt it worth while to post a few things which salespersons seem to either have skimmed over or totally ignored to get a sale. And also quick ways around issues. 1) Whateverhappens will not cover water damage in any way. The salesassistant should stress this to you when taking it out. Water damage is anything liquidy on the product. This includes instant replacement as well. 2) Whatever happens as a product is designed to cover most eventualities. I have read a number of pe

Hi, The amount of debt, though big, is not insurmountable. As you suffer from a mental illness you need to read and be aware of the MALG guidelines http://www.moneyadvicetrust.org/content.asp?cid=54 Your creditors need to be told you are suffering and reminded to act on this guidance as you are vulnerable. As regards your job, your empoyers need very strong grounds to dismiss you for medical reasons. What do you do for a living? Do you have a contract? You've done brilliantly well to manage this for eight years without missing any payments - well done. It sounds to me like you need to start trying to negotiate with the creditors

Hi Bazaar My case is, I suspect a lost cause, I was trying to help Angel and others who will follow to find out the rules about disclosure. And also how to bring it to the judge's attention that they are deliberately obstructing by not disclosing.

Possible i spose - thanks for the letter thing - keep me posted how you get on - I think you're about a week or so ahead of me on the SAR.

If it helps, here is a copy of the letter I sent in reply: Dear Sir/Madam Re: Credit Card Account Number: Data Protection Act 1998 - Subject Access Request I thank you for the information that you sent me in response to my recent Data Subject Access Request, received and signed for by your company on 29/10/2010. However, you have not fully complied with my lawful request pursuant to Section 7 of the Data Protection Act 1998, and as a result the disclosure of personal information is incomplete. For the purpose of S.7 DPA 1998, I have a legal right to ALL personally identifiable informat

Ok, McGuffick was a claims company taking RBS to court to gain an order of unenforcability, RBS could if they had wanted satisified the s78 request priot to proceedings but decided not to so they could obtain a legally binding definition of what exactly enfocement is in relation to non-conforming with a s77-s78 request. A judge decided that everything bar obtaining an actual judgement was NOT enforcement, therefore if no s77-s78 response has been given they can still sell the debt, chase you and mark your credit file. The only thing they cant do is obtain a judgement against you. The templates are out of date in regards the recent r

There is no requirement to be in receipt of benefits for the purposes of a Crisis Loan; if successful in an "alignment to wages" Crisis loan claim, the awarded amount should be sufficient to pay for living expenses up until the date the payment of wages is expected. Crisis loans - who can apply