well it doesn't really work out for them, was about to pay my Marshall Ward account off, but noticed quite a few of these £12 charges on the account, think it has gone up by at least £50 and the debt is only for £171, so decided to leave the debt and pay off another instead just now. I only have a set amount of money and can choose which debt to pay off and go by who is playing fair and challenge it when I can be bothered.

subscribing as getting so many calls, had someone defraud me out of a tv on ebay with a stolen credit card and now owe paypal after a chargeback

Sorry I don't have access anymore to Law reports as degree is now finished good luck

got the same letter, not sure what the debt is for, possibly a catologue debt, all my catolgue debts were put into dispute so they shouldn't be able to sell them on anyway? will send them the letter above.I already owe provident money from years ago which they are not chasing, so don't know why they want to give me this interest free loan with the possibilty of being offered more loans in the future.

This one is free if within the M25 London London Cat Care & Control Consortium (C4) The scheme is available throughout the area within the M25. You are eligible for free neutering if you live within this area and: a) You own the cat, and you receive: • State benefit • State pension • Council tax benefit or Housing benefit b) You are a full time student c) You are on a low household income d) The cat is a stray which you have been feeding for at least 14 days

Well the ruling has ignited my interest in the subject of bank charges again, I am just one person of many thousands. I can be a royal pain in the a*se when I think there is injustice and this goes for whether I have outstanding claims or not. bring it on

Thanks for the update, not been on here much lately but have tried to keep up with this thread will donate soon Sandy xx

Bailiffs get power to use force on debtors - Times Online you may want to comment on this, seems to have surprised lots of people

I have twice complained about the csa on their website through the online form Complaints - Child Support Agency they actually rang me back quickly and both complaints got resolved quickly, one was about the arrears being low and these were raised to the 40% threshold and the other time the arrears were paid to the sec of state rather than me and I got these back quickly through the accounts dept, they claimed it back

good luck finlander, an interesting read and thanks for paving the way I think there are no cases for defamation seachable because experian may have settled out of court, just a musing I'm interested in the new lower courts defamation cases, I thought it very unfair that it was always a tort used mainly by the well to do.

it is now closed good luck

Thanks for the information, this definately needs dealing with asap In what way can an individual have recourse to EU Law? The EU Commission has to power to prosecute a member state before the European Court of Justice if fails to properly implement a Directive or if it passes a law that contravenes the provisions of a Directive. If that prosecution is successful, the European Court of Justice can then fine the member state. A member state's failure in this regard can be brought to the attention of the EU Commission by an individual so has it been brought to the attention of the EU Commission yet?

recent changes mean cancer is now a disability The Disability Discrimination Act (DDA) The Disability Discrimination Act (DDA) was originally written in 1995 and was last updated in December 2005. This Act is in place to end discrimination against disabled people. It aims to make sure people aren’t treated differently or less well because they have a disability. This Act applies to people with cancer or those who have had cancer in the past. The changes made to the Act in 2005 mean that all cancers are now included. And you are protected by the Act from the time you are diagnosed with cancer. What does this mean for me? The Disability Discrimination Act considers a diagnosis of cancer as a disability. You don’t have to have symptoms or to consider yourself to be disabled by your cancer to be covered. But the Act does give you important rights. These rights might affect Your work Your education How you use services Your housing needs Your work These rights mean that you can negotiate for reasonable changes in your work or workplace. The term reasonable means that any changes or adaptations must be practical for your employer, in terms of cost and effects on other workers.

I'm on these low tariff's for british gas and EDF energy, only took a phone call to arrange btw I rang B gas last week to check that I would not be given a price hike and found out I had been taken off the deal by mistake, I'm waiting to here of my refund. The promised phone call to me didn't happen so will be chasing it up today. After my refund I think I will go with EDF energy for gas as well, they offer 15% off, B Gas are totally useless and have really caused me grief over the years. redit rang up and complained and they are giving me £15 for my trouble and sending me the refund hopefully, will have to check all the amounts and dates though as they haven't a clue what they are doing essentials tariff for me is 4.192 tier one 2.314 tier two I think recently I was paying 7.0 or similar Apparently the deal is for life, I do not need to prove my income (or any year) every year, which is a bit strange really and open to abuse What are you doing to help customer in need of financial support? If you are on the Essentials tariff you won't see a rise until after winter. We launched the Essentials tariff, Britain's largest social energy tariff, for 750,000 of our most vulnerable customers at the start of last year. Essentials provides additional help to our more vulnerable customers, particularly those who use prepayment meters, by ensuring they pay no more than our lowest standard prices, irrespective of their method of payment. To be eligible for the tariff, you need to be an existing British Gas customer in receipt of one of a number of benefits. Direct debit customers are now eligible for Essentials providing that they are in receipt of a qualifying benefit. In addition the British Gas Trust could provide a grant to a customer who has a British Gas energy debt (and also, in some cases, for other costs or outstanding debts). The Trust, established in 2004, also finances debt advisors to explain to individuals how to escape debt cycles and manage their finances. The Trust is run independently of British Gas and is a registered charity. Customers who wish to apply to the Trust can request an application form by calling the Trust directly on 01733 421060 or tell the customer to visit the Trust website at Welcome | British Gas Energy Trust and Scottish Gas Energy Trust How British Gas can help you

I have looked through what they have sent me ( a credit agreement under the distance selling rules) and noticed they say I opened my account in May (no specific date) 2005, now the distance selling rules only came into force 07/05/2005 and the first transaction I can find (from the printout they sent me)is a post and packing change dated 09/05/2005. They usually do not put post and packing charges onto until a bit later so I think this was probably opened in late April 2005 or very early May. It seems they are trying to pull a fast one as the credit agreement I found is under cca 1974 and does not mention distance selling or cancellation etc. I have decided to send off SAR to get the date this account was actually opened as this is important

nice to see you posting Peter, I hope you are well Sandy x:)

lol I was highlighting it and that is how I lost it, I was trying to be safe rather than sorry and that is what got me into this mess:D I will scan my credit agreements in as soon as my daughter lets me near the computer been trying to find some information on the distance selling regs as this was taken out in early may just after they came into force

getting doorstep collection letters now for this account and they have not replied to my cca request

bump letter received will update tomorrow as I just lost all what I typed and have decided to scan it in

when I left bt my email remained the same they didn't cut it off, don't know if this is the norm though. About 10 months later after joining talktalk bt took back my phone line from talk talk without my knowledge,(neither talktalk or bt has admitted this and I could never get to the bottom of it so just left it after putting in an official complaint) I am staying with bt though as they could take me back again if I join someone else.

News & Articles Recent Case Law and the implications for cohabiting couples On 25th April 2007, the House of Lords heard a case called Stack –v- Dowden, a case about the property rights of an unmarried cohabiting couple in a house in which they lived together until the breakdown of their relationship. This case establishes new guidelines within which future cases about cohabitants’ rights are to be decided. It is thought by legal practioners that this case will give couples greater certainty and simplicity in view of the uncertainty which faces unmarried couples upon the breakdown of their relationship. What does this mean for Future Cases? In those cases where only one of the parties owns legal title to the property, sole beneficial ownership is the starting point (i.e. the legal owner is entitled to 100% of the proceeds of sale). The onus falls on other party to show that s/he has any beneficial interest in the property and, if so, what the extent of that interest is. In those cases where there is joint legal ownership of a property by an unmarried couple, joint beneficial ownership is the starting point (i.e. they are each entitled to 50% of the proceeds of sale). If one of the parties wishes to show that the beneficial interests are to be divided other than equally, the onus falls on that party to establish it.

I thought the last paragraph was clear, so maybe some of my studying has sunk in afterall Universal suffrage (also universal adult suffrage, general suffrage or common suffrage) consists of the extension of the right to vote to all adults, without distinction as to race, sex, belief, intelligence, or economic or social status. In the first modern democracies only a limited number of people had a say in the running of the government - for example in the United Kingdom only Protestant, male landowners with relatively large holdings had the right to vote. Suffrage depended on local custom before 1832, so there were exceptions. In all modern democracies the number of people who could vote increased gradually with time. The 19th century featured movements advocating universal male suffrage - the extension to all males regardless of social standing or race. The democratic movement of the late 19th century, unifying Liberals and Social Democrats, particularly in northern Europe, used the slogan Equal and Common Suffrage. The Movement for Universal Suffrage consisted of a social, economic and political movement aimed at extending suffrage to people of all races.

he is in a good position to get a share of the house, and needs to get legal advice asap If his solicitor is no good he needs to get another one pronto. alot of the information you need you can find in any recent family law textbook example if married As Peter owns the legal estate of the matrimonial home you as his wife have the right to occupy it. This right is not protected if the house is sold to a third party. You have a beneficial interest in the property as you have supported Peter in his business by answering the phones and doing bookkeeping and been a home carer for his children You have also acted to your detriment by funding holidays and doing DIY on the house plus spending £20k of your inheritance paying off joint debts and adding a conservatory to the house. Yet at this moment do not share the legal estate. By s30 of the Family Law Act 1996 the non-owning spouse is given matrimonial home rights in the home. As you are still in occupation of the home you have the right not to be evicted from your home without leave of the court. These rights exist until the termination of the marriage decree absolute You must if the house is unregistered register matrimonial home rights as either a land charge Class F (for unregistered land). If the land is registered then you need to submit a notice. To protect your interests, any future purchaser will be able to see you interest in the property and act accordingly. In the case of Watchel 19731, it was stated that a wife should receive one third of joint earnings and assets. This has now been updated by a sophisticated principle known as “Net Effect Principle” see Stockford (1981)2.

start your own thread regarding this, saying what the debt is for etc they often collect statute barred debt, so the more details the better

thanks, my benefits do not make me exempt (as i don't get income support) so I have to prove my income and give them 3 months worth of proof , receipts, bank statements etc, but I will continue collecting outgoing details and have another go, last time it was rejected with N1 form because I needed receipts etc.