This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Do you have a copy of the time sheet? Also, your husband should have been given a contract for services ( which is not a contract of employment with either party ) and asked to sign it which should have contained Hays terms and conditions. They have to do this to comply with DTI regulations. If they didn't give him a contract you could try complaining to the department of trade and industry - they are resposible for auditing recruitment companies. If you have the time sheet with details of the job on it you are laughing. If not, it will be difficult to get your money.

That's what I was thinking. Thanks Rory.

Some advice please... I have a personal loan with LTSB and am in arrears. They are hassling me so I sent them the standard CCA request for agreement letter on 12th July with my £1. They sent the letter back today with my postal order with a standard letter from their copy statements unit saying that as it is a loan there are no charges. They obviously haven't read the letter properly ( why am I not surprised?!) and have assumed that I want copy statements. Should I highlight their mistake and re send it or just let the clock tick so they remain in default? I did copy the request to their solicitor 23rd July when they wrote to me and I have a POD so there can be no argument that I sent the original. I am really just trying to fight them off until Sept when I intend to file for bankruptcy so I tend to favour the latter option. Any thoughts?

Here is the address that wrote to: Welcome Finance Compliance Division Mere Way Ruddington Fields Business Park Nottingham NG11 6DE

I had a bad experience with Welcome last year over my secured loan. They were extremely rude, suggested I try and borrow money elsewhere to pay them and threatened me with all sorts likeearnings attachment orders and home visits when I wasn't even at default stage with them. I sent them an S.A.R - (Subject Access Request) demanding a recording of the phone conversation which they duly sent me. I then wrote to their compliance department ( I can probably find you the address if them complaining about the content of the conversation, threatened to report them to OFT and FSA. The wrote apologising and sent me a cheque for £100!!!! If you know date & time of the call give it a go.

Ok thanks for your advice Nicsussex.

I am at LBA stage and have written informing them that they are breach of DPA by persuing debt while in dispute. They have still issued an enforcement notce. I am thinking well come on then and take me to court - I will defend and ask them to justify charges.

I think I am being misunderstood. If you look at the definition of "without prejudice": "The basic meaning is 'without loss of any rights'. It is a term used when two parties are in dispute, and one makes a settlement offer to the other. It puts 'without prejudice' on its offer to make it clear that the settlement offer should not be construed as a waiver of rights. Importantly, communication marked 'without prejudice' cannot be used in evidence in court proceedings if the attempts at settlement fail and the dispute comes to court." This is a seperate dispute so could I use the first offer as evidence?

I did cross out the confidentiality clause but it's the "without prejudice" that concerns me. My understanding is that if the originator has marked the docucument without predjudice then it cannot be shown in court in respect to that dispute. What I am trying to ascertain is can in be shown in relation to a seperate dispute?

Bump.... could do with some advice in this one please guys.

Just been to see the landlord and the flat is mine if I want it! I did make them aware that I had financial problems they didnt seem too fussed. No credit checks or refs required. Result!!

I've just come off the phone from CCCS. I can't praise them enough - the guy I spoke to was great! As I thought really - they have advised me to go bankrupt. I really knew that this was right all along but think I just needed someone who knows what they're talking about to tell me! Anyway, am off to see a rented flat this afternoon and with any luck will be my first step to a new start. Keep em crossed for me;)

Hi All, Thanks to this site I successfully claimed back over £5k in charges from LTSB last year. I am now on the case with them for a second time as I am over my OD limit. The excess is soley due to penalties - surprise surprise! I only still have the account due to large OD and personal loan with them. Can't afford the loan anymore and missed some payments hence the charges. ( Have CCA'd them for the loan agreement as I suspect that will be dodgy too:D ) I know what to do with regards letters etc and am confident will get this lot of charges back. What I really want to know is if they they go down the legal route to recover my OD ( which they are threatening, they have sent me an enforcement order :o ) could I mention in court they they refunded previous similar charges?The offer I had before was "Without Prejudice" which I know means I couldn't use in court in that dispute. Could I use it as evidence in a new dispute? Any advice or thoughts please?