Hello I requested a CCA with £1...( they received it in December 2013) to a debt company they purchased the credit card debt from the previous company. After much waiting they finally posted it in April of this year. More than 12 working days after my request....more like several months! Somebody told me waiting this long is wrong? Furthermore as I have seen they have failed to provide a decent copy of the sign agreement. The copy has been minimised on the A4 paper and I can't read the words or who signed it. I am interested to know how much PPI i paid on this. Furthermore they provided bank statements on a plain piece of paper with no headings as to who the credit card company is. Any advice would be great thanks

You should go the PI route and not employment as you will not get your legal costs back in employment tribunal. Also awards are limited. You will have to pay out for medical expert etc. However in PI you can claim legal costs back if you win and not pay out medical costs upfront. A solicitor will tell you straight away if you have a case. Your mental illness will need to be diagnosed by an independent legal expert. So go the PI route only. You are looking at three years plus for complex cases in court.

Hello I think you have answered your own question 10% are ethic so my views are they are not discriminating. Remember the best person for a job is based on qualification and exp. and not ethic origin. It also depends on how well they do in the interview. People who have good qualification and exp. sometimes are not very good in interviews.

Hello If you were assaulted please report to the police as this will support your PI. Also see hospital or doc so any evidence of injury is recorded. As for dismissal I think you have no case as you are not protected if less than 12 months unless an act of discrimination occurred - disability, sex, race and you will need to prove this.

Hello, It is likely that your husband will be covered under the Equality Act (disability discrimination) due to his depression. Therefore your employer will have a duty to make reasonable adjustments-for example redeploy to a job that he can do and he is happy with. If I was you I would write a grievance letter to the company stating that because he has depression that the employer has a duty to make reasonable adjustments under the Equality Act.. Please visit the EHRC website for more information and ACAS too.

yes please say!

Hello, Out of interest, how much more would it costs the defendant if it went to trial (if they loose the case)?

Hello all, Just had advice from a solicitor saying that because it has not been allocated a track and the value i am claiming is less than £5000 it will be considered as small claim until I complete and send AQ to the court. I was told I can withdraw my case at this stage by writing a letter to the court. The otherside will not be able to claim costs as still considered small claim.

Hello It is still trackless. Does that make it more or less complicated? The defence said should be small claim

Hello I am getting confused now. AM I liablefor costs and do I have to answer part 18? thanks

Thanks So a letter is ok for this? I dont need to fill in a form or pay a fee? thanks

Hello Not sure if in right section. I am suing a company. They posted back the defence and a part 18 request. The defence makes my case very weak but the part 18 is really horrible. As the claimant how can i end my claim causing min problems to me. Can I take out a court order to end the claim? If yes how do I word it etc? Will this end the part 18 on the defence part? It is a small claim. thanks

Any help anybody? thanks

post-asking fro further information as aresult of their defence

Requesting information from the defendant under the civil court procedure. What is the court procedure number when requesting information from the defendant? thanks

Hello all, Please can somebody tell me what the latest credit consumer act date is ? thanks

It is a fixed-sum loan agreement regulated by cca 1974.

Hello all, I have a Gym contract which is not with ashbourne management. It is with another company but don't want to disclose name. I have been unable to go due to issues which I do not want to specify here. The contract is for 24 months and if I cancel early will have to pay a large exit fee up to £1800! I told them that I have cancelled with immediate effects due to issues that make it impossible for me to attend. I cancelled the DD at same time. As a result they have sent me numerous letters. They have now put a default on my credit file so they say. Furthermore this is now being referred to a debt collection agency for court action. They say I cannot break this agreement as this is a legal agreement. any advice would be great.thanks

Yes I have a 36 months gym contract which i have in front of me! But they keep sending statements of my payments and what i owe for the year and not for the three year. I know there is a court ruling recently on long gym contracts. So i would like to see the copy they have whether it has been amended or whether they have the same contract as me. Any thoughts?

Hello Hope i have posted in the right section? How do i request a copy of my Credit Consumer Agreement with my signiture on this. The company has been very crafty to date. Is their any draft letter I can use? How much will this cost. How to request this. They will probably say they never got this and that the fee was for the debt? I already have a copy but feel they have amended this!

ok will write a letter. They will probably only withdraw thier complaint if i withdraw my claim

just need advice what to do next

Hello Yes i did do lba and everything else beforehand. Did not make a different. I also asked them not to harass me while this was in dispute.

I am taking a gym contract provide to court (no need to explain here). I applied to the court with a poc, fee etc few weeks ago and at a same time sent the copy by email to the defendant saying I am going to court and here is what i sent to the court. In the meantime the court got back in a letter saying that I sent the wrong fee and therefore send again with the correct fee again which i only just sent last week. This morning had shock letter from court manager saying the defendant has made a harassment claim. in this letter the court states take notice that it may consititute an offence under section 135 a and section 136 of cca 1984 for anyone to send out a claim that has not been issued through a court! i thought i had a duty to fully inform the defendant what I was doing by sending a copy of this POC to them. It is because my first fee fail and that in between the first and the second fee there is no claim by me. WHat is intertesing i accused the other party of harrasmen in th eclaim. Any advice is needed as have 14 days before it may be pass to CPS...HELP! I thought small claim was meant to help with a dsipute

I am cancelling my gym contract for health reasons and written to ashburn financial services and they advise I cannot cancel. I mentioned about Ashburn Managemnet Service ltd and they told me that they are exempt from the court ruling because are not the same company and therefore i must contiue to pay for remainder of the three years. Are they the same company? thanks