Hi, I was wondering if someone could help me deal with the weird dates which barclays apply to pretty much EVERY transaction on my account. Whether I transfer from one account to another (both at the same branch) they only show on my account statement a day later than I actually made the transactions. Whenever I make a card payment (VISA Debit), the transactions only show up between 3-5 days later, sometimes, a weeks worth of transactions all of different days all get batch processed all in one day. Now I do understand that card payments can show up later on your statement, but no matter how many times I've asked Barclays to put the transaction date or some form of reference i.e. authorisation ID etc... on the statement, they tell me that 'what you get is what you get' and that's not going to change. Because of this, I often have to sit and explain to various people why my receipts don't tie up with my statements. Come month-end when I reconcile my bank account with my receipts, it can take a few days to wade through the lot.... I have been to other banks, (pretty much all of them), and they too have different dates on the statements, but under the description they have a a 'transaction date' or 'actioned date', sometimes even a full date AND time stamp. Is it not within my right to get that sort of information from my bank without having to send a SAR/DSAR off? I know they have the figures, as when I call up telbanking, they can pretty much tell me where and when things were paid for or done. Is there any plausible reason why they should be omitting this important data? As far as I know, when it boils down to receipts, you can't get more picky about dates and times when it comes to accounting, whether personal or business :-/ Some advice, pointers would be handy Cheers, A

Very quick (or thick) question If a fitness for work statement states you should refrain from work from 25/11/2013 to 02/12/2013 does this mean you go back to work on the 2nd or the day after? Thank you in advance need to know for my son....

hi could anyone tell me where to post a new thread regarding an interim charge order being made on a county court judgement please.

As this is the forum I have contributed to most I feel it best to post here that I will no longer be contributing to CAG, my apologies if I'm leaving any one awaiting a reply from me. Brig.

Hi All, Needless to say I got myself into trouble with Wonga and I am currently paying this off as part of my payplan arrangement. I do feel that I am being ripped off on the interest so I asked them for a statement from my account which they have provided. The problem is that it is not very clear what is what on it. I would like to fight them to get the interest reduced as its roughly about 6 times what borrowed in the first place. The question is, is there somebody that would take a look at it for me and see if they can make any sense of it. I am overly worried about the privacy, so will even post it on here. Just would like the facts so that I can go back to them. Cheers Graham

Disability discrimination claim. The Respondent is producing the bundle. I have sent them my index of documents with each document very efficiently named and dated for clarity, relevancy and easy navigation. The Respondent completely renamed all of my documents within the index to make themselves sound good and to make my documents difficult to find seem extremely confusing, sound irrelevant and also to contain repetitive document names for less clarity and greater confusion. Some of the names of documents they’ve renamed do not reflect the contents of the documents in any way whatsoever and even I can’t navigate between the documents due to misleading names in the index – it will be even worse for the judge who will not be as familiar with my documents as I am. The Respondent also changed some of the dates, merged separate unrelated documents to reduce impact and deliberately put them in an incorrect order, which does not accurately reflect events. For instance, if I quickly need to find my x-ray taken at A&E I would not be able to do so with the way they altered the bundle as the Respondent merged my x-ray with a different document and this particular x-ray is not even listed on the Index of documents. This is wrong. You would really have to hop around the bundle. Most important documents have been put to the back of the bundle, some have been removed. The Respondent went out of their way to make it impossible to get to my documents while left their own very well named and easy to navigate between. The Respondent even renamed documents to make themselves look good and the Claimant look bad. They even changed words like “Medicines” to “Drugs”. The Respondent totally skewed it. Is the Respondent allowed to rename the documents listed in the Index of Documents I submitted and make such changes for deliberate misrepresentation? Also, is the Respondent allowed to remove documents? The Respondent has missed the deadline for the bundle by several weeks now, added additional documents as to what was on their list of documents and also presented the bundle to me (Claimant) by email (in digital form). Can they do this? – The order says it has to be binded. Any advice would be greatly appreciated. Best regards x

Hi Caggers, I need some advice on statement of educational needs. Can I change the named school in my child's statement or will I need to ask for him to be re-assessed? It has been 9 months since his last review and 4 years since I actually named a school in his statement.

If a DCA gives one amount on SOA,,then writes back and said they got it wrong and its this amount ..Which infact would be higher..Are they only allowed the first amount?..

Hi I'm just looking for some advice, I had a guy from Marston turn up this morning, guessed it might be debt collector as going through a bad time at the moment (unemployed) so did not answer. However he pushed a 'Removal Notice' through the door, on which stated that despite previous visits and notices the matter had not been settled. 1, I have had no early visits or note saying they had been to the house. 2, I am sure I have had no correspondents from them ( may have binned one ?) 3, I thought a warrant had to be issued. There is a Parking Fine to Andover Council from last year, however I do not own the car (my son) but is in my name. I've just a old letter from them.(son should have paid). ? can I pay the council £75 or Marston who want £339.04 and probably rising. any advice welcome

I need help.... The other month I was driving around a roundabout in Essex and went past 2 police officers on motorbikes. I was followed by one officer and he pulled me over and the officer said I was on the mobile phone. I explained that the van has hands free kit fitted as standard by mecsedes (2012 Mercedes vito). the officer still charged me with the offence by the road side, I said I wanted to go to court to defend that I was not holding the phone. as a mobile engineer I spend a lot of time driving from site to site contacting customers and the office, and was chatting hands free at the time of being stopped. after a few week the police witness statement was sent to my address, and the statement says that both officers was about 15 meters from the road side. they said the both was able to view me drive by for about 2 seconds and had a clear view. but one officer says he saw me with my right arm holding the phone to my left ear!!!!. the other officer says he saw me hold the phone with my right arm to my right ear. I have been back to the site where the police officers was parked up and measured the distance from the road and if they was 15 meters from the road would have been set back behind a gate and a mud bank. their view would have been of a side view as passed them. they would not have seen a clear view up the road. I have checked the tracker on the van and shows that I travelled from stationery start and covered 200 meters and the average speed was 28mph . I would say that I must have passed the officers at over 30mph. I have to attend court at the end of this month and both officers are to attend and give evidence of what they both see. CAN the officer change his statement in court after he has signed his first statement saying he saw something different to his colleague. a minor note: when the officer at the side of the road said he sew me on the phone I said I wasn't and when I said the van had hands free the officer had a 2 second pause for thought before saying "your still getting done for it"

I though that this one might interest you as lidl's have today made the following statement in a Scotiish (Midlothian) newspaper. All Lidl UK car parks are equipped with signage informing those parking there of any time limitations, as well as the penalties imposed should they remain over the allowed time.

ET Age discrimination in recruitment EQA 2010 questionnaire sent 16th January 2013 ET1 submitted 28th January 2013 ET3 response 6th February 2013 (does not give their version of events just says we do not discriminate) ET CMO 20th February 2013 ET hearing 10th May 2013 My questions 1. I need to do statement of loss by 5th march 2013 to respondent ( I know about VENTO mid band £15,000) 2. Any other amounts applicable I am not able find out 3. I am right that the total remedy is statement of loss + 1 off compensatory award or not 4. Respondent will not answer questions to questionnaire due to DPA 1998 (requested twice) 5. Strange as it may seem Respondent is not represented not stated in ET3, letter tennis is between me and the respondent. This may cause a problem when it comes to the bundle. Respondent may not been able to create an effective bundle ( I am to create my own just in case or if there a no show from the respondent at the hearing) My statement of loss as is A) Injury to Feelings £15,000 The Claimant alleges that he suffered from discrimination that would fall within the mid range in Vento B) Interest (Injury to Feelings) 6% calculate from ET1 submission to ET Hearing Date Please note that this statement of loss will be amended as and when required Regards Jdavis6809 Will keep you posted as I progress Any problems I will post as well

Hi Everyone. Hopefully a simple question here. A WP08 form was filled out by A4E, because I turned up for a course and asked to leave 20 mins early to sign on, they reused and cancelled the course saying they would rebook. So I received a sanction doubt, replied to it but received a sanction for the whole month of Jan 2013. I put in a Subject Access Request (SAR) so I can appeal the sanction. The paperwork I have received includes all paperwork from A4E. Two sheets in particular interest me. One sheet looks like a memo, but all the details have been blanked out with two big black squares. Just as all the other A4E sheets where the A4E staff members name has been blanked out. One of these forms was a WP08, a statement of what happened when I turned up at the A4E office, and I left. The person who signed this form has had his name / email blanked out. But thankfully the DWP sent me their copy of this form showing the persons name and email. The person who signed the statement wasnt even one of the members of staff from my A4E office. So can a person, who didnt witness the actuall events, sign a form saying the contents are true and accurate ? The next point is that the staff on the WP08 form stated "The client did not turn up to the event". But I also received some more A4E screenprints, where one of the comments on the system, regarding this event states "Client arrived at office, but did not wish to stay for the course". Which is rubbish. So the local office staff have entered one comment saying I arrived at the office, but the statement states I didnt even turn up. Can I use the line that the statement has to be signed by a witness who was actually there and witnessed what happened. And can I also use the two different comments to cancel the sanction, as the two comments stated above contradict what happened. I ask because if you state specifically in a statement that "The client did not turn up for the event" then in my mind thats plain english, stating I didnt call, didnt go in and say HI, didnt just sit in the reception area and then leave or didnt even stick my head round the door and say I wasnt doing it. It states I didnt even turn up, when the other system notes state I did turn up, ie doesnt matter that the staff cancelled my appointment and said they would rebook, because its my word against theirs, but having two A4E docs stating completely different comments should be a good reason to appeal. Thanks Phillip

Hi, there are plenty of threads on this (excellent) forum which highlight many of the ways that respondents will attempt to restrict evidence (against them) in the bundle being brought before the Tribunal panel. Can respondents also control/restrict what goes into the claimant's witness statement as well or is the content of the claimant's witness statement 'off-limits' to interference from the respondent?

Hi New to the forum and wonder if anyone can advise. I'm currently in dispute with my own and the third party insurer about the fault / liability of a recent accident. Do I have a legal right to view the statement given by the third aprty to their insurer. Many thanks.

what are my rights? I'll try and keep this short. Based in Northern Ireland - I received channels from Rep of Ireland and Mainland UK - via freeview and analogue aerial in UK and analogue aerial from ROI. Well aware that both UK and ROI would be switching to digital, my requirement was that the new TV should receive both freeview and ROI equivalent. When shopping (more than 1 year ago) I asked assistant if the TV in question would be able to pick up Channels from ROI without the need for separate set top box(this would have been a common request for consumers in Northern Ireland) and the sales assistant confirmed it would - all i'd have to do is re-tune TV accordingly etc - on this basis I decided to purchase the TV. A colleague was with me during the discussion - and is witness to the conversation. following digital switch over on 24/10/12 - i tried to re-tune - no joy. sales assistant gave incorrect information upon which i made my decision to purchase. in short - TV not compatible - set top box required. what are my rights?

I have taken daily medication for epilepsy that I have had for many years and this has controlled my disability for more than 10 years but I have recently suffered a recurrence of seizures due to stress at work. The type of seizure I always suffer is a grand mal or tonic clonic where I have fits and eventually lose consciousness. When I recover I have no recollection of the event. I have been asked to provide a statement of the effect of my disability on my day to day activities. I don't understand the question. Can I just say that when I suffer a seizure I am unconscious for many hours and suffer memory loss and therefore I am incapable of any day to day activities?

I'm in arrears with a secured loan but trying to work out which is right and which is wrong on my statement. An example of what I've been trying to fathom out. Installment due date: 117.87 = Arrears 2.990.84= Balance=4.739.97 card payment : 20.00 = Arrears 2.970.84= Balance=4.719.97. monthly admin fee : 60.00 = Arrears 2.970.84= Balance=4.779.97. interest : 48.76 = Arrears 2.970.84= Balance=4.828.73. simple interest : 9.09 = Arrears 2.970.84= Balance=4.837.82. The 60.00 per month is for the second class franked letter they send me they never ring me.Is this excessive?also is the simple interest not right to be adding to my arrears?Would I be able to claim this back the simple interest?and reduce the admin fees.

I have to make a call to Lloyds tomorrow and wonder if someone can give me some advice so I am better prepared. Unfortunately I had to close down my business about 18 months ago leaving me with a Personal guarantee of around £90k to deal with. The bank had taken a second charge against my house when I took out the business loan. The business had made all the repayments in full and on time until we closed. I was fortunate to get a job fairly quickly and i negotiated with Lloyds to continue to make the monthly repayments personally at the same level as the business had been making. I set up a standing order just over a year ago and all payments have been made on time and the balance is coming down. The loan has about 4 years left to run (it was originally 10 years). I have today received a letter from them saying that they need to carry out an annual review and asking me to complete a form with details of all my assets, liabilities, income and expenditure. Am I within my rights to refuse to do this as I have not defaulted on any of the terms or conditions of the loan? I don't really understand why they want this information - it will just show them that actually I can't afford to make payments at the level i am making them! I have been living with my partner for 6 months and he pays all the bills so I can make the loan repayments. The form also asks for his income, expenditure details but I don't see why they have any right to that information. He was not party to the business or the personal guarantee. My gut instinct tells me they don't have any right to this information while i am continuing to make full payments but i don't want to go in all guns blazing and put their backs up. Any advice please?

Hi, Not sure if I am in the correct part of the forum, I have applied for a grant from an energy trust. They have written to me, that they want proof of 2 incomes i recieve,amount and frequency via a bank statement. This is not a problem, but can i delete/cross out all other transactions including the front page (my bank balance) for privacy reasons? Do i have a legal right to do this and just leave showing what they ask for, the 2 credits?

Good Morning, My court hearing is on the 22nd October, I have posted before re my situation, however i need to put a witness statement to the court by next Monday. Can anyone please help me.,

Hi there guys, came across this forum while looking for help with a growing problem. Very long story, but will try to summarise: I've been in debt for a *very* long time - never let a messed up 18 year old have a full-time job, they'll still be paying off that debt into their 30s... as I've found out the hard way. Contract ended, I couldn't find another f/t job and fell into arrears. Been drifting from p/t job to p/t job ever since, when I haven't been on the dole, that is. When I realised (or rather, accepted) that I needed help (in early twenties), I followed advice from the CAB and have been with the CCCS ever since. I've also struggled with depression for a long time. This hit breaking point a few months ago, where I finally accepted that I'm not fit for work, and am now claiming ESA. Being in debt for what is now 15 years hasn't helped my mental health in the slightest, and with no end in sight I decided a DRO was now my best option. I went through the online application about the same time that I filed my claim for ESA (about July this year). Got the application pack, including the list of things I needed to send off with my form. Credit report, check. Proof of income, check. Statement of accounts from *all* creditors.. this is where I'm having problems. I got 2 (out of 4) just from printing online statements (all necessary info is there). To get the last 2 I sent out letters - found a good template to use online. BoS responded fairly quickly. The other is Arrow Global, allegedly - although in their notice of assignment they say to contact AIC. So I sent off the letter to the address I was given. I've learned to be patient when expecting replies, so allowed them a month. During that time I was waiting on Experian (they'd sent a request for more info while I was away, so after posting that off I was waiting for a reply), so I was in no rush. Once that had passed, I checked over AG's letter again - and realised I may have used the wrong reference number (there were 2?!). So I sent off another one, this time with the right number. Experian sent me the report I'd requested, but I was still waiting for AIC. I was getting pretty POed by this point, especially with CCCS nagging for the paperwork. I had to explain the position to them while deciding it was time for a phone call. The only thing was, AG had sent a couple of letters before - one trying to trace me (despite my informing all creditors of both change of address *and* name) - I'd called them once before just to confirm I was the right person, and could they please update my name change on their records. For some reason they said they couldn't - and proved the point when they sent a notice of assignment. Both letters said to contact AIC with any queries, but both gave different phone numbers. After failing to get through on one, I tried the other. Well, I got through with not much difficulty. I gave the reference number on the letter, only to be told it wasn't working with their system. They then took my details, which was problematic in itself as I tried previous and current addresses, and names. Finally the guy found my details - and said I was in the wrong department, please hold while I transfer you. Okay, fine, I thought, until the same happened again. I managed once to explain I needed a statement of account, but after they tried it a third time, I voiced my protest. They said they'd call back once they found out which dept. I needed. Did they hell! Tried calling the day after, couldn't get through at all. Now fuming, I pondered what I was now meant to do - call the CCCS? File a complaint? While checking things out online, I found a mailing address for AG in Manchester (I think), and sent *them* the request, telling them I'd tried the details they gave, but since they were unhelpful maybe they could help. In the meantime I started college - my hope of getting a decent career for a change, and to aid recovery. It's been about a week now since I sent off that letter. Predictably (from what I've read), I have still yet to hear from them. In the meantime I have a nearly-complete initial application for DRO to post off, and waiting on this *one* last thing is infuriating. CCCS advised me to close down my DMP while applying for this, so only a few days ago I had a call from Natwest, another of my creditors - which has been stressful in itself since all the time they've been part of my DMP, they've still been charging interest, making my payments nothing more than a drop in the ocean. But that's another story. Fact remains, none of my others are getting paid, apart from the CCJ. This is all really starting to p* me off. The reason I applied for a DRO in the first place was to get one more weight off my shoulders and move on with my life. I'm starting to feel that AG/AIC are either stalling deliberately, or they're just a load of incompetents who don't read their post. Or lose it. From what I've read on here, I'm fast losing hope of ever getting that elusive statement from them. This has dragged on for months now - what else can I do?

The question is - When attempting to negotiate with a Bank/DCA/Solicitor/Court etc regarding amount you an afford to pay off a debt, should any benefits you are in receipt of be included in your Income figures ? The reason for seeking clarification is that whilst it is illegal for benefits to by taken at 'source' by virtue of having them directed straight to a Creditor, is it then also illegal for them to be taken into consideration as valid Income to pay a debt when included in an I/E Statement ? Logic would say that if the benefit/s are not allowed to be re-directed (because they are the entitlement of the recipient) then should they still be allowed to be redirected after they have been paid into your Bank account , by virtue of the fact any surplus shown on an I/E statement might be entirely made up of the Benefits paid in. ?

Hi, I was chased by a company called Link Financial last year for a debt I owe. The debt was an old bank account overdraft that was withdrawn unexpectedley when the banks got jittery in 2006. I ended up getting a default on my credit profile and it is due to expire in November this year. Up until last year I did nothing with the debt until it came to a DCA called Link Financial. I decided then to start getting rid of it and told Link I would pay £30 p/m via standing order and not one of their direct debits. I've paid this without fail for the past 12 months. Link Financial have called me a couple of weeks back to make me an offer to settle the debt at a lower level in one payment. I said as much as I would like to I could not afford it at that time. They then asked me to answer some questions about my financial status, this got my back up and I said I did not want to do that ... at this point this company's representative got quite nasty on the phone and I sensed she was trying to wind me up which I did not fall into. They have now sent me a form to fill with my financial circumstances which I have not yet filled and really do not want to. Do they have any legal standing to request this info given the fact I agreed to pay £30 p/m a year ago and have continued to do so. Are they just getting jittery knowing the debt is exempt come November. Can I keep refusing to give this info without breaking any law? I want to pay ths debt off but I am not doing it by being bullied or what is starting to appear as harrasment by phone. I would be gratefull for any advice. Many Thanks

Hi everyone. I have cabot chasing me for £750 from a Citi credit card and I have no idea of where it has come from. they would not give me any details, so I have reported them to the FO, but they say that Cabots records show that i paid money up to 2009. I have asked Cabot for proof (signed agreements etc) but they have ignored me. They have even ignored letters that I sent saying that i have lived at my present address for over 6yrs and never seem anything to with Citi until they started writing to me 18 months ago. The FO have just sent me a statement from Citi which cabot sent them as "Proof" but it looks like my grandson could have done it and it also has my parents address (I haven't lived there for 28yrs!!). The FO are saying that unless i have any other proof that it is not my debt then the won't stop them bothering me. I did have some paperwork from debts from my 1st marriage but they went a long time ago so i can't even check through them. I did pay off a couple early and got a discount. I know that Cabot buy these things in bulk and i am worried that one of these has found its way to them. There is nothing on my credit file about this at all. Cabot say that they have the account number that monthly payments were made by but haven't shown them. Does anyone have a copy of a 2004 citi statement this i could see please? I am at a loss for what to do as i don't really want to just hand over £750 regards JB