Suffice to say Cabot got a hammering in court OH YEAH BABY

Hi there. From a 'legal' point of view there is nothing to prevent the employer from doing this, and in retail it happens all the time - certain managers are kept in a particular store either because they are especially good at controlling what has previously been a problem, and others are moved because they aren't, but when it comes to new stores, the manager is normally selected rather than it being advertised as a vacancy. Perhaps the person appointed has a longer track record, is being rewarded for something which has attracted the attention of the right people - maybe he will fall flat on his face and your partner will then be in line based on his previously good record of turning a store around. At the end of the day there is nothing which says that a vacancy has to be advertised - merely that in selecting a candidate the employer cannot exclude others on the basis of race, gender, religion, disability etc. Favouritism alas, is permissible, and all that your partner can do in this situation is to let it be known that he is hungry for new challenges and career development - perhaps take the opportunity of a private chat to talk about opportunities next time that the Regional Controller is available. He does have the option of raising a grievance, but that would undoubtedly mark him down as one to steer clear of in future, so I would not advise this purely on the basis of disappointment that on this occasion he has been overlooked. He is clearly a good manager with ambition and potential - he should be proud of that and look to build on it by getting words in the right ears. Sorry I can't be more help, but that is how I see it! Incidentally - I have changed the company name as it may well not help his cause to be seen airing his disappointment in an internet forum - best to remain anonymous!

Hi, I fought the DVLA at the Portsmouth County Court along with Peek at Horsham County Court and we both beat the DVLA on the following statement " The DVLA do not have Statutary Power to require anyone to contact them if they do not receive a reciept". I think you may have gone beyond this but the DVLA will fail at this point. I did attend the court on my own whereas the DVLA had a brief but it still failed. My case was Carter-White v The Secratery of State for Transport case ID 9PO04250. Im just an ordinary guy who hates getting screwed by the State/DVLA/Any other smuck. Good Luck

This is very simple - I buy insurance from you. The policy lasts for one year. At the end of that year it is not your decision to spend my money on your product. It is frankly decietful rubbish to suggest that the fact that you inform us that you are going to do this makes it okay. I shouldn't have to tell you not to spend my money. You have my card/financial details because this is the only way to pay you. My giving you my card details is an act of trust - you using these details to make a repeat purchase of you product is a betrayal of this trust. Suggesting that 'there's too much cynicism around' is adding insult to injury. You are simply exploiting the fact that most people are lazy and not as sharp as they might be about their financial affairs.

Hello there. If there is no equity it is likely that the Official Reciever will exercise a relatively new process. You will be able to stay in the property for a further 2 years and 3 months. At that point there will be a valuation. If there is equity the OR will want to realise it - either by sale, or by seeing if there is anyone who would like to buy you out of your share of the 'beneficial interest'. This leaflet explains it way better than how I did! http://www.insolvency.gov.uk/pdfs/guidanceleafletspdf/home.pdf The lease car might be an issue though.

It is absolutely vital that you are 100% certain this is a hire purchase agreement as opposed to a bill of sale, do you have a copy of the original agreement?? Also, were there any PPI or other insurances added to the agreement?

you dont have to pay it

Oh I see So effectively by paying the CCJ you've actually paid the whole loan off then. So nothing to cancel. If it were me, I would be claiming your 21 payments + 1 large payment (the clearance of the loan) + interest from the dates each of these were made. ims

Yeh Baby

Report them now to the OFT for not complying with the CCA request and for their letter which intimates that they can do something when they can't.

Hi Gaza, Well they really are getting desperate aren't they? First threatening a CCJ and then threatening a Stat Demand. Just so you don't panic too much, Capquest are renowned for doing this to scare you into paying, then not following through. The way this account has been (mis) managed is horrendous. Shambolic. You really need to get your teeth into it once and for all, to sort it out. A couple of questions before we sort a letter out: Did you get a response from the FOS? If not, why not and if so, what was it? Did you send a Subject Access Request to the original company? I suspect not as it's not been mentioned since. Thing is, if you want to put this to bed, YOU MUST SAR THEM. Please, please send a SAR to BOTH the original company AND Marbles. It will cost you £10 each, unfortunately, but you urgently need this information. Do it ASAP. There's a link to the SAR template letter in my blog linked below. You should also report this bunch to the OFT for using multiple unsubstantiated legal threats as a debt collection tool. Bankruptcy threats for just over a grand on a long term disputed debt with an admission of no CCA. Preposterous! We'll help you with that letter too. I think they fall foul of CPUTR too, in making threats they cannot legally fulfil. I'll be back when you've answered the questions, again, don't panic, they're just trying it on, but nonetheless need their @sses kicking once and for all. Elsa x

Right dont worry about him at all, to be honest the best thing to do would ring payplan and tell them. They will contact prov and remingd them of your DMP. If he is still there after by friday, let us know. He wont make you bankrupt at all, so do not worry. Can you send me your Provident reference number, your name and address by PM and i'll fire a letter at them by the weekend

Hi there Basic steps are.... 1 - SAR the financial institution if you don't have all relevant information 2 - Prepare schedule of Claim (SOC) 3 - Preliminary letter to bank requesting/demanding refund. (They have 8 weeks to deal with it and reply) 4 - If they dont' pay, choose whether to go to court or fos (fos slow - court quick) 5 - If fos, complain to them and let them deal with it 6 - If court - Letter Before Action sent to financial institution 7 - if they still don't pay, issue court proceedings. simples! ims

http://www.consumeractiongroup.co.uk/forum/content.php?754 You will find links to a lot of information in the May CAG Newsletter, link above.