I previously applied for the industrial injuries disablement benefit and was turned down, because the company i worked for dismissed my claim of coming into contact with certain chemicals (they lied). When i got my letter of rejection, i did not appeal. I want to make a fresh apllication, but this time I have got evidence of the chemicals (a friend of mine gave me copies), can any one advice me of how to go about it this time

Congratulations !!!!!! mila

Hi Conar, I too have received a letter from Lee Hancock. I wrote to Experian about "old data" and the need to remove them. Hancock basically wrote back with a standard letter and so bascally he has not fully responded to my letter. I will be drafting up a more sterner letter. This time I will be asking for defaults to be removed as the accounts have been closed. Any help will be appriciated mila

Count me in as well, ill be happy to sign. I am currently fighting them off, they want £4400 of us and I know they are wrong in their calculations mila

Thanks Alan & nightmare I will do that. I have read a lot about Kensington in these forums and there is no way I will be taking this likely. But I really need to make a stand to them, as the £50 arrears fee is killing me, I have been paying for a while.

Im pleased for you Louisk, well done. I have a mortgage with them as well, I too will be making a claim for the arrears charges and anyother unfair penalty charges Oh I presume it would be ok to claim from them, as i still have a mortgage account running with them?

I suppose I dont stand a chance in fighting to get the default removed

Fair point. Thanks for that However this has left a downside to all this, they have stuck a default marker on my credit report

Had a big bill from vodafone - £440, agreed with vodafone to a payment plan, was paying it off, then was hospitilsed. When I recovered, continued paying, but they said account was in default. I told them of my illness, but said the dafult would stand. So when wescot contacted me, thats when i sent cca to them and SAR to vodaphone

Buzby Thanks for the pm, I tried replying but your box is full. Now that CCA is not an issue, can I still ask for the deed of assignment and if they fail on this, does it mean they (Wescot) cannot enforce it?

Thanks Gary, I will be writing again, as they have not fully complied to mu CCA request, i.e. deed of assignment etc

I had a business contract with vodafone for many years, that has been defaulted by Vodafone for non payment, a payment that I am disputing. Vodafone have employed Wescot to recover this "debt". I have wrote to both Vodafone (about default issue) and Westcot (sent a CCA request). Wescot replied as follows: "We can confirm under the terms of the Consumer Credit Act (excempt agreements) Order 1989, Article 3 (1) this account is not regulated by the Credit Credit Act ans is enforceable" My question is, Are Wescot right? need some help folk, please mila

Congratulations Tink! I have started my claim with Mint, unfortunately I have not had copies of my statements. I sent the SAR to their Southend-on-sea address. Is this the correct one? Please help

Hi Charliuk My deadline for the prem letter on two accounts (current plus & advantage) was also for today. Wells its quire weird, in that I only sent one prem letter covering the two accounts. Yet they have only replied for the advantage Gold account offering me a tiny amount (from Higley dept). I too will be sending my LBA letters today hopes it goes well for you.

Thanks Matt,I have already started a thread - mila v Halifax (ERC)will keep you posted