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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

timetoshine

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Everything posted by timetoshine

  1. timetoshine
    Best advice, find a bouncer built like a proverbial, have a word with him and offer him £200 to have a quiet word. I think you'll find that that landlord is never a problem again.
  2. timetoshine
    Fair Point! Could I have a thread merge then please?
  3. timetoshine
    It is albeit from a different perspective so I didn't want to confuse the two if that makes sense....
  4. timetoshine
    Hi all, I would be very grateful to receive some advice on the following matter. Last year my partner at the time and I rented a property together for a period of six months under an assured short-hold tenancy agreement. The property was let through a letting agent but was managed by the landlord. Shortly after moving in to the property I found out that my partner had been fooling around and this caused a pretty much immediate breakdown in the relationship. I was completely devastated and returned to my family home for a while. As I am sure you can all understand I did not want to be alone in the property that I intended to share with the person I found out to be cheating on me. Consequently I wrongly used the money I should have used to pay rent on petrol so that I could commute to work. My intention was to return to the property and make good the arrears. One day I drove to the property and found that the lights were on and that people were walking around inside.Consequently I drove on as I felt very awkward. The problem I now is that I am being chased for rent when I was not living in the property. I know that my tenancy agreement obligated me to pay rent for the whole duration of the tenancy; however, I was informed that the property was going to be re-marketed and that I needed to return my key to the letting agent that was marketing it. This issue is that I am now being chased for outstanding rent on a property that I was not living in yet the landlord did not obtain any form of possession order nor did I sign any deed of surrender for the property. What I would like to know here is whether I have any rights here please. Thank you all for your interest
  5. timetoshine
    Hello all, My partner and I are living in a private rented property which has now been without hot water (not even warm) for just under two months. We have incurred great expense of having to travel to relatives for our weekly bath/shower and also costs associated with continually boiling kettles for hair washing etc. Now, the problem is that our landlord has messed us (and others) about something chronic. My partner has lost days at work and I myself could well do without the stress at the moment as I am dealing with bipolar. I have spoken to my family and things have gotten to a stage where I now want to take my landlord to court for damages. I believe that the amount of time that he has taken to resolve this matter is outrageous (particularly given the time of year). This matter has made the property unihabitable. What is everyone's opinion on the idea of legal action? Many thanks, timetoshine
  6. timetoshine
    Consider yourself one of the lucky people that they choose to deal with. My partner and I are incredibly fortunate in so much that our MP has intervened. He has been very helpful indeed. NPower, in my experience, are a bunch of disorganised shisters!
  7. timetoshine
    Hello everyone, I have a little bit of an update. I have written to my local MP about the problems and he has very promptly written back advising that he is going to be writing to NPower on behalf of my partner and I! Result, I will post as and when more news comes in. timetoshine
  8. timetoshine
    Hi LaughingGirl, Thanks for your input - very much appreciated. You make a good point because I do not intend to be on benefits for life, hopefully only another 3 - 6 months. I have bipolar which is an interesting condition. In mania, I have achieved some of my greatest successes whereas in a depressive state life has been very difficult indeed. Once stabilised I look forward to returning to some form of employment and will naturally be in a much better position to honor my debts (don't actually have that many). I am happy to pay my debts and when possible will always do so. Thanks, timetoshine
  9. timetoshine
    Hi Mariner, Thanks for your post. The debt has not been sold to the debt collector as I still pay the ex landlord direct. As I mentioned before, if the ex landlord wants to take me to court then so be it. I am very young, not long out of uni and have no assets. I have no bank accounts of any value worth seizing, I have no assets that would even probably pay 10% of the outstanding amount, I have earnings for an attachment of earnings order. Overall, there would be no real point in the landlord taking me to court but I guess that is up to them. timetoshine
  10. timetoshine
    Thanks Conniff, What I think I will do is make the £1 a week standing order arrangement today and write to the landlord to let them know the situation. By doing that, the new payments will start going through before they receive my letter. Thanks for your advice, really is very much appreciated. timetoshine
  11. timetoshine
    Hi everyone, I am hoping someone can advise me with some problems I am having with a previous landlord. As I have explained in other threads I have in this forum I was diagnosed with bipolar affective disorder in August this year. First of all, my employer, the NHS and my friends/family have been brilliant in helping me; however, as you can probably imagine I am currently living on a greatly reduced income. Essentially, on a monthly basis I do not have enough money to meet my expenses. In response to this, I have been able renegotiate with my creditors/utility providers (with the exception of NPower but that is another story lol). My problem is that I am paying off a circa £500 debt to a previous landlord in outstanding rent and really do not view this as a priority debt. Because I have to prioritise council tax, rent to current landlord (which is fully in order) I can no longer afford to pay anything to my previous landlord. The payments I have made so far have been made direct to them but negotiated by a small time debt collector who is working on their behalf. I am regularly reminded that they will take court action if I do not continue my payments; however, it is getting to the stage now where I am thinking that I should just let the matter go to court, accept the debt and let the judge order me to pay what I can afford - I firmly believe that this would be significantly less than what I am paying now. I know that I would get a CCJ but I am still very young and my credit is already blown to bits. I would certainly have time to recover financially. In the new year I will be starting a course that will very hopefully lead me back in to work but this wont happen for a while. What does everyone think - should I just fold and let them take court action. Please remember that this is not a case of wont pay it is simply a matter of can't pay (literally) Thank you all, timetoshine
  12. timetoshine
    Oops, sorry everyone - mods, could be two threads be merged please. I do apologise, I completely forgot that I made the first post. timetoshine
  13. timetoshine
    Hi everyone, Just looking for a bit of advice re NPower. I was diagnosed with bipolar this year and as a consequence have been on sick leave and a greatly reduced income. My partner and I are doing our best to pay what we can to who we can; however, there is always a shortfall. Our NPower account is just under £400 in arrears. We cannot afford to pay it all off in one go but have written to them to propose a monthly payment arrangement. They are always quick to threaten a prepayment meter installation so I am just wondering how would that actually work in practic. I know that a proportion of our top up would go to paying off our arrears but say we were to put £10.00, how much would actually go in paying off the debt. Thanks for looking and for any help you can provide, timetoshine
  14. timetoshine
    First things first, you are poorly so do not let NPower get to you and make you even worse. Personally, I would argue that your rent is a priority debt and more important than paying NPower. You need to keep a roof over your head. My first bit of advice would be make sure that you are getting all of the benefits that you are entitled to. You may well find that there is a lot more available to you than you realise. The website http://www.turn2us.org.uk is very helpful for giving you an idea of what other benefits you could get. My second bit of advice is that you are only human and money comes down to maths. You cannot pay what you do not have to give. It is as simple as that. Sit yourself down and work out what you can reasonably afford to pay NPower and, even if it is only £1, write to them and make the offer. If it is not good enough for them then so be it. Let them take you to court because the court will not make you pay more than you can afford - they really would be wasting their time. Most importantly, you need to challenge the value of this alleged bill. Remember that above everything else that your health is by far the most important consideration here. Keep paying your rent and your new energy supplier and do not stress too much about NPower. I have my own battle with them at the moment so I know what it feels like. All the best, timetoshine
  15. timetoshine
    Hi Crem, thanks for your comments and your advice. Further investigation reveals that although the car park is owned by the council, the trolley bays are clearly marked by Waitrose signs. This to me implies that they are responsible for them. I have written to the store manager essentially explaining what happened and stating that I believe Waitrose have been negligent. I have made my argument on the basis that if they are to provide shopping trolley bays then they must ensure that they are fit for purpose, just as the same as they have to ensure that the store is safe. I have written a rather hefty but very business like letter loaded with photographic evidence so I shall update when I hopefully receive a response from them. I am prepared to go all the way with this one so could turn out to be quite an interesting case.... Watch this space as they say.... timetoshine
  16. timetoshine
    Hi and thank you for your comments. I was actually away from the car at the time of the incident. My apologies, I should have been more specific. My partner and I had been for a drive, I dropped her off at Waitrose to pick up a few bits whilst I waited with the car. During that time, I decided to get out of the car and stretch my legs and it was at this time that it happened. I witnessed but could not get back to the chap before he had driven off. I was half tempted to take off after him but how far do you go??? I have ventured back to the car park and there is not an 'at your own risk' sign in sight - and no I haven't taken them all down as my friend jokingly accused me. Fortunately, I took lots of photo's and noted the registration of the offender's vehicle. I think the first thing I need to do is get some knowledge on who owns what and who is responsible for what. The most annoying part is that the car will have to be painted whether I have any success or not. Thank you all for your feedback, it really is very much appreciated. timetoshine
  17. timetoshine
    Hello everyone, I would be extremely grateful for any help or advice that any of you may have regarding a recent incident in which my car was damaged by a shopping trolley. I will try to make this as clear and simple as possible. Earlier on today I parked my vehicle in a council managed car park that adjoins the local Waitrose supermarket. Not liking supermarkets very much I decided to wait in the car whilst my partner went in for a few bits. The space I chose happens to be next door to a marked trolley bay. Whilst I am waiting a customer pushes their trolley in to trolley bay area. At this point, the trolley deflects of another trolley and protrudes through an opening in the barrier and in to the side of my car. The barrier is one of the scaffold bar types which has large openings. Getting out to inspect my car I find a nasty gouge that will sadly require body shop repair. My contention is that Waitrose, the local authority or in fact both parties have a duty of care and that duty of care has been breached. I believe this to be the case because the purpose built trolley bay does not adequately contain trolleys which in turn exposes car park users vehicle's to risk of damage. I would be very grateful for any thoughts on this matter. Kind regards, timetoshine
  18. timetoshine
    Npower Customer Service PO Box 93 Peterlee SR8 2XX 1st December 2012 Dear Sir or Madam Account number: 00000000 I am writing with reference to the above account. My partner and I are struggling to pay our energy bills due to current ill health and would like to know what help might be available to us. I was diagnosed with Bipolar Affective Disorder in August 2012 and since that time have been on a reduced income due to being signed off as not being fit for work. I am currently in receipt of statutory sick pay and am also awaiting a decision on my application for disability living allowance. It is my intention to pay for any existing and continued energy usage and would be grateful for any help that you can provide during this difficult time for me. I look forward to hearing from you in due course. Yours faithfully I was thinking something along the lines of this... timetoshine
  19. timetoshine
    Thank you, I am going to pen a letter now and post up for feedback if you would be kind enough to comment. Thanks, timetoshine
  20. timetoshine
    Hi everyone, My partner and I currently have a back log of approximately £300 with nPower that they are chasing us for. We are on a standard meter and get billed every 3 months by post. My partner is a full time student and I am the major wage earner. In July of this year I was diagnosed with Bipolar Affective Disorder and have been signed off work with a significantly reduced income since then. We want to pay but cannot afford the £300, nPower are next to useless at helping on the phone. Does anyone please have any advice as to how we could approach this matter? Thank you all for your time and help/suggestions you make. Kind regards, timetoshine
  21. timetoshine
    Thank you Emmzzi, I should also add that the organisation has a policy with an income protection provider; however, that relates only to long term sick pay which does not begin until 28 weeks after the first day of sick leave. So far, I'm not even close to being off for a third of that time. I have had a meeting with a representative of the income protection provider who writes a report; however, this is only should I require to make a long term sick pay claim. My employer is very clear about the difference between the short term sick pay policy for which they are responsible and the long term sick pay (28 weeks or more) for which the income protection provider is responsible. I have challenged my HR Managers on these issues and they just keep getting very flustered (almost as if they don't know what they are doing.....). Thank you for all your help Kind regards, Timetoshine
  22. timetoshine
    Hi Emmzzi, Thank you for your response. I have only received a diagnosis in recent time; however, I have been completely open with my employer. I have also been extremely co-operative with those who are treating me. Furthermore, I do want to return to full time employment as quickly as possible and doing as much as I possibly to help myself as well.
  23. timetoshine
    P.S. I haven't had any prior sick that exceeded a period of 3 working days.
  24. timetoshine
    Hi guys, Thank you for your interest in my thread. I have been diagnosed with the condition Bi-Polar ll (formerly known as Manic Depression). I have no previous history of mental illness, have never taken any illegal drugs and have never abused alcohol or prescribed drugs. I have worked for the organisation for over two years. I have informed my employer of my sickness, have provided regular updates as to my condition and treatment and have provided fit notes from my GP for the duration of my absence. In my contract of employment it only sets out the eligibility criteria in terms of length of service and subsequently how much sick pay one can expect to receive and what duration. There is no mention of what illnesses/conditions/treatments do or do not qualify for the payment of company sick pay. The contract does state that any payments are discretionary. There is a supplementary employee handbook but again this does not mention the subject of short term sick pay at all. I really do appreciate everyone’s help with this. Thank you, Timetoshine
  25. timetoshine
    Ok - thanks Emmzzi, You have given me some good information here

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