martin2006
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Everything posted by martin2006
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Go complete a CISheet and see if those charges make any kind if dent in the alleged balance. Takes an hour or so to complete but could pop up a surprising result.
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You in scotland sweenstar? If so its already SB If not then its Feb 2018 till it drops off yr file
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So a true default date should be may-aug 2012 if mercers issued a default notice which was not complied with. It should therefore go from your file no later than Aug 2018 (aug 2017 if in scotland). If you do nothing, this will blight your credit file, as you say till oct 2022 which is grossly unfair. As you have the statements you can compile a CISheet to calculate all the charges levied on the account plus compound interest and get claiming them back. In addition you can demand that the default is registered correctly or removed. This tho may well require issuing proceedings in the county court but may be the only way to get it corrected. Assume that you have CCA'd Link?
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This for information purposes. Sir RB never owned virgin, he sold the rights for them to use the virgin branding and was a shareholder owning around 30% of the shares. SirRB only ever sold the rights to use virgin brand for a 30 yr period. In 2013, the company was sold to Liberty Global but with the ingoing brand usage rights. Miving on to why the OP probably has an outstanding balance and cancellation fees; Virgin media notoriously start you on a new contract for 12 months whenever services are changed, so if, for example, you added sky sports or movies ir negotiated a new package as the offer you were currently on was due to expire, then any new deal you were offered was also inclusive of a new contract. In addition, if the tivo box was not returned, then they will and do charge, £150 on top of any remaining months of the current contract you are on. When cancelling due to moving to a non service area, they will normally wave the cancellation fees altogether as its arguable that its no fault if the customer if they cannot provide a service. They also conveniently forget to send out the returns boxes for the equipment. In this instance i would put it in writing that the cancellation is not one of choice but that VM simply cannot continue to provide a service at your new address and that if the returns bixes were supplied, the equipment would have been returned. Inassume here you still have the equipment in order to return it? Should be simple enough to resolve with the correct letter to the CEO office, forget notmal complaints route. In addition, spout your story all social media such as facebook and twitter, VM have dedicated teams to watch for this and it will be picked up quickly.
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With BH yes, forget FOS. Small claim is the way to go. Get the statements from a SAR first, go from there.
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Potential Cabot problem looming
martin2006 replied to martin2006's topic in Debt Collection Agencies
Been fighting leeches like these for donkeys years and can now see light at the end of tunnel. Nothing ruthbridge can do but cabot may try legal action which you should defend with SB if thats the case. Still nothing from CCA request and i would be surprised if one ever materialises, but we will wait and see. -
Should be in the sar from 2014 but BC are notorious for delaying issuing defaults till the accounts become almost SB then sell them in to extend the 6 yr rule to 11 yrs effectively, seen it hundreds of times here and they did the same with me, until i challenged it that is!
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Its worth a shot at AA i think, worst case is he gets nothing, which he gets if he does nothing so nothing to lose in trying.
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No not ABTA, ATOL and IATA Or rather if they are, its not relevant to this particular booking.
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Get that CCA fired off asap
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My apologies, the booking was nothing to do with BA, he has sent me the paperwork over and it was booked through AA via an agent in london. The same principle applies tho, all flights were booked with AA but some operated by AA and Eagle Star, all had AA flight numbers and were on the same booking. So firstly, should i be contacting the agent who made his booking or AA directly? This all appears on the surface to be covered under EU (261/2004) regulations.
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the information you are giving seems to be a bit from one account and a bit from the other, for example, if the acc had a zero balance from mar 2012, why would you be paying Link 2 years or so ago? you will need both sets of statements for both accounts to separate the 2 apart fully
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Send them to whomever is chasing you for the debts now.
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Yes he had travel insurance but hasnt made any claim regarding this. The booking was with BA but the flights were American Airlines and Eagle Star. It was the return Eagle star hop from Iowa to chicago, around an hour flight which was delayed by an hour and a half, this delay meant he missed his chicago to heathrow flight and the next one was 21 hrs later albeit direct to manchester.
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Paid extra weeks wage by employment agency
martin2006 replied to Jasonoughts's topic in Employment and minimum wage problems
Could be a few things, firstly, the finger scanning "just to confuse them" may have resulted in you being paid for work you had not done and could be considered fraudulent by the agency, it clearly was not an admin error if you scanned your fingerprint in the way you described. It could also be that you worked a week in hand and this payment is your final wage as an agency employee. -
Did you have 2 BCards? Bal £4200. Did you pay all of this back to BC or did you pay a reduced amount and to whom? Your BC statements will show a zero balance once BC sell it on to a dca, by this time BC will have placed a default marker on your credit file. Debt purchaser will then open an account in your credit file with the balance that was still owed to BC and re register the default. Debt purchaser will then chase you for the balance. Debt purchaser will usually issue a claim before 6th anniversary of default. Does this sound like what has happened?
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My son has recently been on a trip to America, his flights were booked through BA although the actual planes were supplied and operated by American Airlines. His itinerary was to fly from Manchester to Heathrow, Heathrow to Chicago and finally Chicago to Cedar Rapids. The return filghts were a reverse of the above. On return, the Cedar Rapids flight was delayed by 1 1/2 hrs causing him to miss the chicago to heathrow connection. He was put into a hotel as the next available filght was jot fir another 21hrs and flew direct to manchester. He was offered no food or water, just a hotel voucher. Now i dont have any experience at all with this type of situation but he lost a day recovering from jet lag and this meant he was due back in work without having time to properly recover from the jet lag. Any pointers would be immensely appreciated.
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The cracks above the sliding door area will undoubtedly be due to the lack of, or failing of a lintel above the opening. Are there further cracks above this position on upper floors?
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Yes the PO will be fine unsigned. Yr dads current address goes top right hand corner and you reference the old address in the first line of the SAR after Dear Sir. Copy of CTax bill from current address to go with it.
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Dont worry too much about mediation, you will get an appt and you will be asked the same questions, 1 being, do you have all the information you need to proceed with mediation? If you are still awaiting that info from your CCA request (as you appear to be still) then you will answer no and mediation will fail before it begins. From there, the case is referred back to court and a trial date set.
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If you can evidence that you have paid off the original OS balance and have statements after to prove there was zero balance then i suggest firstly that you CCA whomever is currently chasing the alleged debt and also SAR to BC to get all the info they hold on you, including a full set of statements and more importantly, payments made to match your bank account showing the payments you have made to clear it. Im assuming there would be nobody who was an additional cardholder at the time?
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Hopefully Ericsbrother will pop in to help, he may be better placed to guve some help.
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Un-Fair GE MONEY Mortgage Charges Advice Please
martin2006 replied to Transit Man's topic in Mortgage companies
Nothing for you to do as yet, it will now proceed through mediation if both parties have agreed to this, if not it will proceed to notification of a hearing date. You are not obliged to accept or decline any offer made, they probably stated the offer expires on xx/xx/xxxx and if that date has now passed then they should accept that it was insufficient and move forward. Personally i chose to decline in writing until the offer became acceptable. -
Its also just become a new financial year so the dca will want to show it looking good as a write off on their accounts.
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If those are your figures as per your spreadsheet then its good to go, include a copy of the spreadsheet
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