Aequitas the real issue was LOST by the banks, (make no mistake) this is why there is currently an appeal. The only people who would claim they didnt lose would be ardent supporters of the banks of which you are one. Finally, can we please knock on the head any idea it was a draw as you know fine well what was the important issue.

Yes it would, how did it get up again after you settled the balance? You need to know if you have any other charges on that account from the past so if you dont have your old statements you can get them by sending a Subject Access Request, http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html whilst waiting for them spend some time reading the FAQ's. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

As Fred says your holding the aces so lets see what happens next.

If your friend has went to these great lengths to avoiding these debts how exactly will they be traced by allowing this payment to be made to the account which dosent have any updated details? The worst scenario can only be letters sent to that addy, this would then let you know if the DCA's were looking for activity. If there wasnt any you could then transfer the funds.

I wouldnt expect them to do this until all avenues have been exhausted. If one of them started to pay back they would all follow suit. Roll on the new year.

You have too much time on your hands.

In addition to no credit agreement being produced, the default notice served under s87 (1) Consumer credit act 1974 failed to comply with the Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 (SI 1983/1561) so any action or claim made where the DN is incorrect is in my opinion unlawful. Im sure that issuing another Default Notice, (corrected) would still be unlawful, as they can't default and terminate the same agreement twice. s.87/s.88 CCA 1974. You have nothing to worry about, send the SAR if it makes you feel better however im pretty sure they dont have any agreement, even if they did they have messed it all up with the DN.

Hi cleo4patra, having a read.

Tbh there have been a few offers made on a regular basis and im sure this has nothing to do with the test case and more to with appeasing the FSA waiver clause regarding hardship. They need to show these cases are being dealt with.

Hi charles81 and welcome to the forums. Sometimes by making a call to them you can get some satisfaction however as you have tried that route without any joy i suggest you start your claim in ernest. Have you had any other charges in the past 6 years, if your unsure you should start by sending them a Subject Access Request to obtain your banking statements. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

Agh the waiting game, im very good at this. I actually thought we would have heard about the conclusion of the test case by now. Im not encouraged by the length of time this is taking tbh. George

Nice jacket DMD No one will miss you in that.

Can you elaborate a little more? How long have you been employed for? What was the accusation? Have you had any previous warnings etc? Im sure they have no right to suspend without pay as this would indicate that you have already been found guilty, therefore you would have been sacked.. As they have only suspended you they MUST pay you until the disciplinary hearing at least, if there is one. (after which you would be exonerated or dismissed)

That sounds awfull, this person has some anger issues which need dealt with. How can you be held responsible for a dirty kitchen when your on holiday, thats a no-brainer. Can you contact the chef who left regarding the throwing of items by this person and get a statement from him saying so. Regarding the products from non nominated suppliers, you said this was in full agreement with him so is he now saying it wasnt? are you to get everything in writing before following his orders incase he changes his mind at a later date, surely not. You took action regarding the suitable footwear, are they saying you did not follow the correct disiplinary procedures regarding this. Just a thought but with all the cost cutting they were doing it was putting you in an impossible position so have you considered they wanted to get rid of you also and were looking for anything to use against you.

If you get the repayments sorted out then accept the partial offer but not as F&F then the account balance of charges is still in dispute. What this means is that the banks WONT have to deal with your complaint under hardship as you have accepted their offer. By accepting their offer it does not stop you continuing to court for the balance, the offer clearly states its not FULL and FINAL so it is your right to pursue the remainder but only in court. Im sure the FOS wont pursue your claim (hardship) further if you accept the partial offer as they will say an agreement has been reached but they would pursue it further if the FSA removed the waiver which protects them. The FOS would pursue it further if you didnt accept this offer but to be honest there is nothing in stone saying they have to give you anything back only consider it. Hope that makes sense. George

Well I wouldnt like my sons to bring homework asking these sort of questions, its none of their business. Regarding the fingerprinting it does seem to be a good way to work as kids always lose tickets/vouchers etc so this should be easy for them. The question is how is this data stored and where?

Yip that way the account is still in dispute.

Thats a result, nice one.

Well if you accept it dosent mean its F&F, but if you notify them of your intentions to accept then the account is no longer in dispute and the OD amount may be passed to a DCA if they dont like your offer. I would sort out your repayments and get it in writing first before deciding what to do with their offer. Have they said this amount will be paid to you or will it go towards the OD.

And the hits your website gets are from all over the world, quite a few from New York, Germany and Hong Kong and none from my area excluding me. This lot are to be avoided for sure.

Oh dear cant give advice just wishing you well, if they are that bad its affecting your health do you really want to go back?

Its not that easy to swap a pre-pay to a credit meter as the supplier has costs to consider. Regarding missing the local shop or havng a faulty machine: why dont you keep £20 on a spare card at all times, you can obtain one from your supplier if you report losing yours.

Yip they have 8 weeks to deal with a complaint as per the FSA. If your next step is to contact the FOS then you will need the 8 weeks to have passed or to get the banks final response, whichever comes first before the FOS will look into it. If your intention is to file at court then as Caro has said its your time frame not theirs so you could file at court whenever.

There are users who are hell bent on causing grief and through their actions stop genuine peeps getting help. It is a difficult job being a moderator and quite often a thankless task as the claims of over moderating are cried quite often by these problem users. There are times when moderators efforts are appreciated but these are few and far between. CAG needs to be protected first and foremost and if that means removing or editing peeps posts then most people will understand the reasoning for it regardless if they agree with it or not. Keep up the good work Team. George

Well I would only pay back what I got in my hand, as for the tax thats their problem not yours. When they do contact you over this remember to leave some room for bargaining as they may ask you to up your offer, so make it a little less than you are able to afford.