Hi I put a thread on here and despite 37 views not one comment? Am I doing something wrong? I haven't used this site in a while!

Its been in the news all day-he did not know what Magna Carta actually means. He has obviously never had any letters from RLP............

This is a general question for most people paying a DCA. How come most of the experts on here ask why we are paying a DCA? My OC says "refer to the DCA" so I can't pay them (account closed). My DCA implies they will sue my sorry arse off if I don't pay them what they want (no matter if I can afford it). The advice from here is that DCAs have no legal rights. And that we should not be paying them. So what is the crack? How can we avoid paying Metropolitan for an HSBC debt (for example) without having our sorry arses sued off? Thanks.

I looking for a bit of advice. My husband has been unwell for the last 18 months and last year had spinal surgery to correct the problem. Since he had the surgery he has suffered blackouts. He went back to work in June but is still suffering. Work has paid for him to have a medical and while the report says he has problems, the company should try and make allowances while the cause is found out. The report also says his problems are covered by the Disability Act. What I'm wanting to know is can they sack him. He has a stage 3 meeting next week to discuss his level of absence and the letter does say that as part of company policy he could be dismissed. We are both worried as if he is dismissed we are not entitled to ESA contribution based and I earn just over the limit for income based. Any help would be appreciated. Joanne

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. ?

Hello to anyone that might be able to help -I hope ive posted thi in the right are wasnt sure. I live in a one bed house with my 13 month old baby and need more space. Im told that I have very good potential to extend to a 2 bedroom house but dont have the funds to do it and a poor credit history will not enable me to take a loan out. will my mortgage company (ge money) consider a further advance with a poor credit history and a recent payment arrangement due to hardship. Im guessing they wont even consider it but just exhausting all my options! Any suggestions welcome

Yip folks. a lot of people have been ripped off and scammed by Dialarod..... where she is not finished yet..... the director is Charlotte Edney.. she resigned from Dial A rod in april 2012, and has set up boilercover.tv in april. they have now started to call dial a rod customers telling them dial a rod is no more but that they can sign up to them. BEWARE BEWARE BEWARE

Hi - been trying to work this out in my head but wonder if anyone has any ideas about this situation of mine, thanks. I have an interest only mortgage - the arrears I previously had were shown on the statements and increased the outstanding balance, which I understand. The new balance then attracted more interest. Later the lender took me to court and had the arrears added to the security, increasing the balance again. Shortly after that they capitalised the arrears - so - assume the balance went up again. Also added all their legal fees. Does this mean that there has been a double recovery of interest then?

Hi all... This is relating to one of 'my' current problems. The short history details follow: Credit Card with Captial One for many years. Balance - £1986.28 I'm self employed and things slowed down a couple of years ago. In 2010 I sent all the requested info to them and they agreed to me making monthly payments of £5.00 which ran for some time. No defaults as far as I remember. Later, out of the blue I received a letter from 'CapQuest' who made all the usual threats Etc. After contacting them they informed me that they had taken over the debt. So I pleaded my case again. Eventually they agreed in writing that I continue to make £5.00 monthly instalments. Letter dated 18th Feb. 2011. It mentioned that it would be under review at their descretion Etc. That's the short history.... So on 6th June 2012 I receive a letter saying that they regret I have chosen not to deal with this matter despite previous communication..... So to assist me in clearing my indebttedness they would like to offer a reduction in final payment and would I call them to arrange this final payment. Then the usual legal threats of Baliffs Etc.. Etc... Upset by all of this I did some research, some of the info was gleaned from here and I wrote them a reply and sent the PO £1.00. Copy of my letter follows: (Sorry it's long) Michael Daniels, Capquest Group Ltd., Fleet 27 Rye Close Fleet Hampshire GU51 2QQ **My Address* 13/6/2012 Dear Sirs, OUR Ref: [EDIT] With regard to your recent letter sent to me dated [EDIT] regarding my account[EDIT] I do not acknowledge nor accept that I have defaulted on any payments to your company as set out and agreed in your letter dated [EDIT]. I also dispute the statement set out in the first line of this recent letter from you. In response: For your information, all communications regarding this matter must be in writing for Court use. Personal callers will neither be admitted nor spoken to. Telephone calls will not be answered or acknowledged. If your telephone calls continue, then legal action may be taken and/or a complaint will be made to the Office of Fair Trading under section 40 of The Administration of Justice Act 1970. I will continue with the agreement as set out in your letter[EDIT] but as a result of the above I am formally giving you notice that I now request a full copy of the original credit agreement AND a copy of the FULL statement of accounts on a/c: [EDIT] You are required to supply the following: 1. You must supply me with a copy of the agreement you refer to. This is my right under your obligation to supply a copy of the agreement which is s.78 (1) CCA 1974 (s.77 (1) for fixed sum credit) - your obligation extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee. 2. You are also obliged to supply a copy of the deed of assignment of the above referenced agreement. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not. 4. This information should be supplied to me within 12 working days of the date of this letter I understand that under the Consumer Credit Act creditors/agents are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under this section of the Act. I also request a full statement of account detailing this account and showing how the sum alleged to be owed has accrued to date. Failure to comply with my request will result in a report being submitted to the relevant statutory authority. I await your response in writing. Yours faithfully, G ********** PS: Please do not make futile attempts to gain my signature by returning this letter as the above personal mark is legal. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that I supply you a copy of my signature before you comply with my S77/78request. If it is for Data Protection purposes then I can happily supply you with documentation to substantiate my identity to you. However please note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address. I have to ask if you are concerned that you are corresponding with the correct person why would it have taken so long to raise this? As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998: 7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data. My request for a true copy of my credit agreement under section 77/78was made on 13/06/2012and the 12 working days for your compliance expire on 29/06/2012. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity. ------------------------------------------------------------------------------ On 14th June I received a very short note from CapQuest simply saying "Than you for your recent correspondance. We can confirm that a copy agreement and statements have been requested from our client and these will be sent to you wnen receved." On 15th June, another letter from CapQuest saying that due to my contact and request for further information the above account is now on hold for 28 days whilst we obtain the information required. And thats about it...... So, what do I do next? One thing I did notice on my old statements from CapitalOne was that I had been paying PPI. After ALL the cr*p CapitalOne & CapQuest have put me through (a lot not mentioned here) I really would like to claim anything I can from them. They are like maffia. Any advice would be appreciated and I apologise for the length of this post (just thought all the info in one make it easier) G&J

Hello, I recently took out a home loan (silly, I know!) with Provident. Within the 14 day period, I thought better of it, withdrew my application and returned all monies to them. I have just had a look at my Credit report to see that it is now on there. As I did not go ahead with the loan, should it appear on there at all? Thank you Claire

I sent off a CCA request to a DCA with a £1 postal order payab;e to the DCA. They have returned it asking I make it payable to the Creditor. They have also asked me to cinfirm if I have ever opened an accoun t with their client and the balance. They finally state if I am disputing the balance or feel it may be subject of fraud I should supply full details. What is the best way forward do I send a payment payable to their client, and what is their role in this matter

My OH is always watching docus and reading up on earthquakes, volcanoes and tsumanis - And he been talking about the risk of one starting in the Irish sea for sometime - caused by the "Azores-Gibralter fracture", apparently it's gone before - and it's due to go again, yet our governments are doing little to prepare let alone warn us. They have passed it onto DEFRA - although the original page has gone,it does give you the option to click the archived tsunami documents (I still can't open PDF documents though, so don't know what DEFRA have said about it. Here are two link for you to have a read through - it's interesting, if not slightly worrying (although if it happens it happens). Do you think government should be putting better safety measures into practice, just in case? http://www.tsunamiwatch.co.uk/ http://www.gsi.ie/Programmes/Bedrock/Projects/Tsunami+warning+system+for+Ireland.htm http://www.defra.gov.uk/environment/flooding/documents/risk/tsunami06.pdf

i need assistance with employment law, and personal injury claims. i would appreciate any advice that fellow CAG's can provided Work Related Breakdown i suffered a work related breakdown a year ago approx, however despite the problems at work i loved the actually job itself and always intended to return to work when i was well enough to do so, however i was pre empted financially and returned October last year and at that point formally started my grievance. like most people i had not idea of how a grievance procedure would work, so it was a massive learning curve. it is so unbelievably stressful and im still not fully well. all of the stresses remain as nothing had changed within the team on my return and my health has again deteriorated. Occ Health have recommended in writing that my place of work is toxic to my full recovery and i should leave. my p/trist is saying the same, as is my counsellor. they have all made clear that outside of that environment my health should improve enough for me to get another job doing the same type of work but with a different organisation! my question is this. is it possible for me to take civil action over and above tribunal action against my employer for the pysiatric injury they have caused me, in addition to which i had lost all my body hair. my head remains bald and i have to wear a wig, my eyebrow are going again, my arm and leg hair have gone, however my pubic hair did grow back a little. i am very grateful that my eyelashes have grown back - but for how long. i have been tested medically, the is no physical reason for the universal hair loss. constructive dismissal i am aware that the issue of constructive dismissal and discrimination can only be held in a Tribunal. but i would want to know how p/injury would work in a civil court, and could this take place more quickly than a Tribunal, and although not the right venue, will the issues of the discrimination, harrassment, bullying and victimisation come out at a civil hearing? i have an outstanding grievance appeal taking place by the end of March, it is likely to be negative, a little more detail first 'last straw' - manager held PPP (nearly 2 years since the previous one) tells me basically im c.... and that my colleagues have all complained about me, and gives examples of complaint. Fair enough. however all of this has come out of nowhere. manager provides no discussion or plan on how to resolve the situation between me and the rest of team, and goes off on 2 weeks holiday. naturally this has a devasting affect on my feeling toward the manager and the rest of the team, i have believed what he is saying. i make complaint to manager on his return and challenge all his accusation and complain that if the situation were true how is it he didnt try to help resolve the situation? i copy in HR. manager writes back taking no responsibility claiming i have misinterpreted and didnt say some of the things. my complaint was comprehensive and i gave back to him all the examples that he had used! a meeting was held. HR had lead me to believe that the meeting was a grievance as laid out in their policy, but it was a mediation meeting whereby the manager states again that i have mis interpreted and that in fact no one had complained about me - he failed to give any further information. he actually stated that i was made for the job. on hearing this however instead of making me feel better it devasted me further. i couldnt understand how he had done this to me in the first place. i had worked so hard and was so proud of the work. i went into freefall. from the time of the meeting with manager to what i thought was a grievance meeting was just over 2 months during which time there was a complete and utter breakdown between me and the rest of the team. i was signed off sick with work sky high blood pressure and related stress which i had desperately been trying to ward off. emloyer contact during sick leave during sick leave, the manager above my manager demanded to to see me, didnt advise that i could be accompanied and during the meeting told me basically that the best thing for me was to get my arse back on my chair and that in their experience involving the medical profession would mean that i would be off work longer! remember this talk at me is whilst i am unwell and vulnerable. end result even more freefall. during my sick leave there were a bombardment of letters from work, which stressed me out further than you can believe i felt hounded. i thought that it would be better to return to work even thougth my GP didnt think i was ready. i thought that it would be best to stop the hounding and make sure their were no more meetings with my managers manager. phased return meeting GP formally recommended this. unfortunately he did not specify a time. managers manager didnt want to follow GP's advice and tried to insist instead that if i felt tied i went home. luckily an HR officer was present and had to remind manager that it was normal in such circumstance and length of time away that a phased return take place. manager reluctantly agreed to 1 week! there was mention of a review, but no details of when the review would take place or who with. naturally 1 week was not enough. situation with team not resolved. i approach HR for help and am basically told to go away. i return to my GP who tries not to give the 'i told you so' and signs me off again. long term sick which brings me back to my return last year. Discrimination bullying and harrassment prior to the first last straw i had been suffering discrimination harrassment and bullying from another member of the team for a couple of year which i didnt handle very well. i absorbed it - but this just caused me to lose my body hair. i genuinely believe that this new member of staff would get used to me being there, also i had hoped that other members of the team would come to my defence when i was under attack from this 'colleague' - but no one did, some of them even joined in. this colleague was good at getting others to express their prejudices and the others knew better. i felt so isolated, ashamed and scared to say anything just in case they thought i was the one with the problem the one with the 'chip' so i said nothing. there was no one or manager that i had any trust or confidence in that i could take this matter to, so i suffered in silence, until the breakdown came. Employers investigate the complainant on making the complaint my employers carried out an investigation - a shock to me, a bigger shock was later learning that they had carried out an investigation on me too. thank God i was good at my job, good things were said about me. so they cant get me on that angle. grievance 1 outcome it transpired that others had complained also about my 'colleague' and my manager showed up themselves good and proper at the hearing. recommendations. words would be had with colleague and manager, but no grounds for discrimination - however.... appeal 'colleague' had actually admitted to what they thought would be a lesser complaint that they thought they could get away with, but this put employers in difficulty and they had to make a statement at the appeal confirming that at least one act of discrimination had taken place. it was agreed (and is on tape) that i was the brunt of this 'colleagues' abusive behaviour promotion of the main perp it was always the intention of my 'colleague' to get me out of the team and take over my Officer status and effect they way up from what they considered to be a lowly administrative position. they have now achieved this. even with the outcome of the grievance they still hold this position. what does this say? Victimisation (final 'last straw') managers manager has not taken too kindly to my complaint and raised awareness of what's going on in one of their departments and has targeted the 'trouble maker' me. a serious incident of victimisation has recently taken place. but i am covered by a 'protected act' and acted immediately. i put in a grievance about the harrassment and bullying by this particular manager. naturally management have stuck together. so i am just about to put in an appeal. Back to the start again this brings me round to where i started. based on the medical recommendation i think i will have to leave my job immediately i am notified of the appeal decision otherwise i will lose any rights i may have to claim constructive dismissal. i am not sure i want to claim this anyway as i would prefer the matter to go to civil court, where i can completely sue the a... off these people for what has happened to me over the past 18 months. my medical state the complete and utter indignity of having to constantly wear a wig and a cheap one at that as i dont have the money to buy a decent one. how further freakish i look without eyebrows. the constant eye infections because of no eyelashes, or where they were just coming loose and falling into my eye - the constant rubbing. im not so distressed about the rest of the body hair - no on sees any of it. im on medication up to my eyeballs. i have a diagnosed prolapsed disc and whilst of sick couldnt even put my knickers on or use the WC without putting a bucket on it first as i couldnt sit. thankfully my mobility is such that i can get around better, but i walk with a limp now, and still prefer to use the disable WC as they are a little higher. the constant pain in my back, shooting pains and numbness in my left leg is sometimes unbearable. also since being back at work apart from the deterioaration again of my mental state i have the additional indignity of repeated boils on my arse - what the hell is that about? i do hope that there is someone prepared and/or managed to read through this and provide advice or answer my query. Thanks

Hi everyone! I am new to these forums, so please tell me if I have posted this in the wrong section! A few years ago I took out an unsecured loan with Lloyds TSB for £5000 about 8 months later it was re-financed for £6000. I was paying back all the repayments until I became unemployed due to a spinal injury. I then receieved Income and support allowance which I used all of to make repayments. But then it wasnt long after the Tories came into power that I lost all my benefits. So I set up a payment plan with lloyds TSB to pay back £1 a month. I did this for a few months, but when away from my address for a while, with no access to internet. My classic account went overdrawn and two £1 repayments bounced. I then got a letter from lloyds own debt recovery comapny based in Brighton - SCM solicitors. Stating my account balance was £6,245.68 and arrears £987.80. The letter demanded I repay the balance above less any rebate. Obviously I was not able to pay them, So i called them up. All they told me was that they could not talk to me about it, that my account was still being processed, and that someone would call me with the next step. NOW... I have recieved a letter from Moorcroft debt recovery limited, saying that they are sending me a notice of intended litigation before legal proceedings in the county court are issued. And that they believe that this letter fulfils this requirement even if it is not actually read by me. It says that to prevent our recommending to our client that solicitors should commence legal proceedings, it is essential that i settle this debt without delay. Payment should be submitted in full within 7 days or contact made with this office immediately, by telephone or by letter, with your payment offer. i have until the 17/01/12 Then it says We would draw to your attention that if judgement and an order for repayment in full is obtained and remains unpaid, a range of court enforcement options are available to our client and an application for one of these maybe considered. it then goes on to say about legal cost for court etc. and the usual jargon. I am really stuck, I'm just about keeping my head on... but I am quite shi* scared to be honest. PLEASE HELP!!! thankyou so much!

Hello I am currently going through the reclaiming of PPI from Halifax.. but I am also considering applying for additional compensation to help me make repayments of the loan, I took out a loan through B O S ( Halifax), but insisted on a sound and secure insurance protection.. Reason being that I had a Stroke a couple of years previous and wanted to protect myself.. I was also Self Employed!! So as to kept this first step short. . I went to great lengths to cover myself, and now I have been ill again. . second minor Stroke the Halifax has told me " I am not Covered.. As I had a previous Stroke" Can I ask/Demand additional Compensation to cover the problems I am now experiencing because of the false information given at the time. . I think I have a case, I have the Transcripts from a telephone conversation, Where I ask if a previous medical Condition will effect the policy and the reply being " Not if its over 12 months since you had the Problem ( 1st Stroke) It is also states that I quoted " If I cant have a policy that gives me 100% protection, I don't want ANY loan or credit. So Far I have been ignored by both Halifax Insurance and BoS Any advise or information would be invaluable

I am looking into relocating. I have various long term disabilities and health problems. One of which is currently undergoing investigation. I don't want to be in the situation whereby, they restart the investigation again - so far, it has been painful and I don't want to go through that again. So, what exactly would happen if I did move? Also, I was put on Medication in January 2010, changed medication in April 2010, moved in June and am due a medication review in June. (where I am, it's done yearly. where I was previously, it was every 6 months) If I moved before June, I would've been on medication for 14 months and had no review - that can't be right, can it?

Hello, I moved property 3 months ago. When I chose this location, there were several factors which were very important to me. 1) A NTL connection had to be available, which the estate agent told me was available, and they even showed me the NTL connection. 2) That there was CCTV around the entire property, which there appears to be by various cameras placed around the property. Since I have moved there, I have found out that: 1) The NTL connection is infact a dummy and does not work. I approached the letting agent about this and got the following response: ********** Response: With regards to the NTL. This is the first ive heard about it. And as far as i am aware if you are in a non serviceable area then NTL would'nt install a connection point. If there is a connection point Joseph would assume like anybody else would, that NTL would supply a connection there. ********** 2) The CCTV camera's are ALSO dummies... I also approached them about this and they came back with the following: ********** Response: With regard to the CCTV this would be down to the Managment Company (SLM) TEL: 01482 328068. ********** Now why do I feel like I'm being fobbed off here and that the buck is being passed on. What options do I have to sort this out? Also in light of this, can I dispute the £120.00 administration cost which they said was for 'administration and credit checking'? Thanks and Regards Adrian