This sounds a total road crash waiting to happen. What about female muslim employees who are forbiddern by faith and culture to expose flesh below their neck? If they are not being exposed to this practice due to that, then surely its still discrimination based on religion/culture (or lack of) as now you have 2 sections of the same staff being treated differently to each other. Is the Employer in that case claiming that Muslim employees are "honest" but non Muslim Employees are all suspects? Sounds like a very, very expensive tribunal just waiting to occur.

Dear Gerri, I wish you the very best of luck - the advice you are being given are the small steps to becoming empowered Just like you, I had no idea about what a SAR, DN, CCA, let alone a POC were but the most important points to remember is start creating a paper trail, as opposed to telephone calls. Make sure you have marked on your calendar when the 40 days are up following your SAR request. Try and read around different threads and learn from the experiences, it can be quite a journey but post up whatever you feel or need to ask, it is all worthwhile in the end... I have spent many an evening (which ended up being all night on here) to get a heads-up or a glimmer of wisdom. Good luck and know you have made some fantastic connections on here that will help you along the way. Tex x:)x

The Civil Jurisdiction and Judgements Act 1982 contains the rules of jurisdiction for Scotland, the UK and Europe, as they exist in Scots law. An individual is domiciled in the place where he resides and with which he has a substantial connection. If he has been resident there for at least 3 months before the action is raised, it will be presumed that he is resident there.

The CEO should iirc be an employee of the Court, so I would be making a serious complaint to the Court he works for, especially since you have it all filmed for evidence. Contact your credit card company ASAP and have the payment cancelled/charged back - you are NOT responsible for your exes debt, and they have clearly defrauded you, threatening to break into YOUR house for someone elses debt. CEO's can in theory break in, but iirc, they require a magistrates warrant to do so - the original warrant they are issued does not allow this, but experts will advise on this. They cannot take your goods, for someone elses debt. I would argue, that whilst they may legally speaking be protected had they forced entry, or stormed in as that address is what was on the warrant, you also would be entitled to defend your property since you are not the debtor, and they do not live there. Can I ask, are you within the Dyfed Powys Police Force area? If so, you need to hold of the court to inform them they have the wrong address, and get this sorted ASAP, record the phone calls, this is to protect you and your property. Dyfed Powys appear to be very "Bailiff friendly" and have been known to turn a blind eye to Bailiff's headbutting alleged debtors in order to make "peaceful entry" into homes, so you do not want them coming back, with police backup. It's a more "out there" scenario but not completely unlikely, they have your down as a "mark" now, to use the common con man's term, and I would not be surprised if they try and squeeze more out of you. *Asking re Dyfed Powys as Excel appear to be the preffered contractor for much of the region. It is very strange though, that both a CEO and a private Bailiff turned up, unless the second was the CEO's assistant. If you want to protect your property and car, in case they do turn up again, or if your Ex has any other debts she has "forgotten" to tell you then you could do a Statutory Decleration will will cost £5-£10 at local solicitors, or possibly for free at local court. I think you need to have a chat with your ex, to find out exactly what her debt situation is, ie can you expect bailiff's or debt collectors for other debts to be turning up at your home - if necessary guilt her into being truthfull, as this also affects the kids, who live with you.

Hi All, Thanks very much for your posts and bringing this matter to my attention. To give you an update, as mention I have received contact from both 'Wykelass' and 'yabbadoo', both cases have been passed to our Customer Relations team and have been allocated to individual file handlers. I have chased up these cases and expressed the importance of each. Please always feel free to contact me directly if you have any concerns. Many Thanks, Jamie. socialmedia@hastingsdirect.com

I know this problem ~ in the past a "bite ring" could be used. This was made for your jaw/teeth, and was kept in as much as possible, certainly overnight. I am amazed this treatment is not being used ~ it's a simple but effective treatment and when I worked in this area is was only available privately. But that was over 30 years ago and it was a fairly new treatment then. Another thought ~ could you ask your GP to refer you to another hospital in your area ~ everyone is entitled to a 2nd opinion. Or could you do some research as to whether there are any NHS max-fax specialists who do know this treatment?

If they cannot provide the paperwork you can stop paying until they do as the account will be in dispute. Also do the SAR to Citi. Depending on the amount of charges and the interest on them that you can claim back, you might not owe anything

Well done. Lloyds have shown that they are disreputable bank - in keeping with the rest - and that they have their snouts in the trough. I am sure that there are many more poeple who haven't claimed yet and who will be encouraged to do so.

Failure to uphold / follow codes of practice to which a business is subscribed to is a breach of Consumer Protection from Unfair Trading Regulations (CPUTR) 2008

It is usually the dps who provide the information, and it was protected in time with the new legislation, so LL is covered there. Yes LL now has proof that you received notice, however when did you receive it?? if it was not before the 21st June then it will be invalid, as there has to be 2 periods of the rent payment as notice, so the earliest it could have if received after 21st June is 20th September.

- -No, it's unsubstantiated Mail and Telegraph rhetoric. I'll give you a clue, it's in the sentence 'Migration Watch CLAIMS...' If they claim it, then they don't know, they're just saying it with more authority than their knowledge justifies. Just as well. Oh but I do, and I did. Because unlike you, I actually do know what I am talking about.

hi again sarah, I'm fairly new around here and I don't feel confident in giving advice so ignore what I say if you want but, So they think they can charge you over 1200 quid for sending a few emails? numpties. As I posted earlier these clowns are known for adding unlawful/unenforceable charges to accounts and then negotiating down. In your position threatening bankruptcy is stupid unless you have hidden assets? (threatening bankruptcy as a means of debt collection is a big no no and would be frowned upon in court) probably the best thing to do. Ignore silverman and only deal with your supplier. You need to see a copy of the t&c's that applied when you opened your account with the supplier and a proper breakdown of the debt and charges. "Get your ducks in line" then you can sort out what you actually owe and fight back. there is loads of information on this site and lots of people waiting to help so keep strong and remember everybody has debts, it's not a crime. Z.

Hello there. If you want to 'thank' Old-CodJA, you can click on the star at the bottom of his post and leave a short message for him. Thank for saying what you did, anyway, it's good to see. My best, HB

Hi, I'm not sure but the OFT did not give lenders permission to charge £12.00 I include these quotes from OFT, “We are not suggesting that default fees should be set at £12, and a court will certainly not consider that a default fee is fair just because it is below the threshold”.“We consider that a contract term is likely to be unfair if it requires consumers to pay more as a result of a default than the court would order them to pay if they were sued for breach of contract. This means that a default charge should not exceed a reasonable pre-estimate of the administrative costs that the consumer ought to have realised would be likely to be incurred by his or her card issuer in dealing with defaults”. In order for them to charge you £12.00 they must demonstrate to you that it cost them £12.00.