Hello All, When requesting CCAs from DCAs etc, will I have to send the fee of £1.00 for each agreement, I have 3 to send off which will be on the same letter of request, all for the same DCA, or will the £1.00 be suffice for them all?? "EXEMPLO DUCEMUS"

I recently ordered a brochure via the Aquability's website contact form - short of telephoning them there is no other way of contacting them. A telephone number was a mandatory field on their web based contact form. I asked them not to telephone me in their 'message' box. The brochure arrived, but 2 days later, someone from Aquability telephoned me. I asked them why they had telephoned me, when I had asked them not to. I was told they had no record of this request and that, if I had not wanted to to telephoned, I should not have included my phone number on the 'contact' form. I told the person that the tel. no. was a mandatory field, she told me it was not. I've checked again, and tel no. is a mandatory field on their contact form. If, like me, you do not want to be troubled with unsolicited calls, do not deal with Aquability - they are a shower!

I've stumbled across this http://www.mirror.co.uk/news/weird-news/travelodge-top-30-funniest-requests-2460072 Now, number 11 is just asking for a hot water bottle? Innocent enough:madgrin: Any thoughts on 18?

Hello, I have very stupidly got myself into a mess with a payday loan, and on 10th June took out a 650.00 loan which is due to be paid back tomorrow, total repayment should be £846. I am self employed and didn't earn enough, my own fault, but I knew this a week ago so emailed Wonga explaining the situation and asking to pay back £141 over 6 months to clear the debt. I have also cancelled the CPA with my bank thanks to the advice received on this forum. Wonga sent me an I&E form straight away to fill in, which I did, and returned the same day, but since then I've heard nothing, and I'm worried sick. Are they waiting until the repayment day which should have been tomorrow? I emailed them on Friday requesting again that they please confirm that they accept the repayments, that the interest has been frozen and that they send me a breakdown of the repayments but I've received nothing. I'm happy to pay the loan and the one months interest, as that is what I agreed to, but I'm worried now that in not responding I'm going to be bombarded with lots of other charges. What would you suggest I do? Any help would be very gratefully appreciated - I feel like such a twit

Document Source: http://disabilitynewsservice.com/201...mant-requests/ A senior doctor working for Atos Healthcare told colleagues he was “sickened” that disabled benefit claimants can now demand to have their “fitness for work” assessments recorded, according to a leaked email seen by Disability News Service (DNS). Geoff Douglas, who has been assessing disabled people for their eligibility for disability benefits for more than 10 years, sent the email in reply to an Atos manager who had complained that colleagues were refusing to carry out audio-recorded work capability assessments (WCAs). The manager said in her email that a colleague was having “major difficulties getting any HCP [healthcare professional] to undertake a recorded assessment”. But in his reply, copied to colleagues at the Atos assessment centre in Birmingham, Douglas said he was appalled that claimants were now able to demand to have their assessments recorded. He wrote that “although I do them, it sickens me that clients, who apparently have a perfect right to not turn up and to not fill in an ESA50 form [the questionnaire every claimant has to fill in], now have the right to demand a recording”. He also described Atos as “without doubt the most incompetent, inefficient and uncaring organisation with which I have ever been involved”. It is just the latest in a series of embarrassing incidents in which Atos assessors and other staff have been shown in a less than flattering light over their attitudes to benefit claimants and the assessments, which test eligibility for out-of-work disability benefits. Douglas, a fellow of the Royal College of Physicians, complained in his email that the task of assessors was “becoming ever more complex and ever more futile, as we bend over backwards to satisfy the demands of a government that wants and needs cuts to the welfare budget”. He said the time they were given to carry out the assessments was “unrealistic”, and added: “If I do it quickly, I have not covered all the issues. If I award even a few derisory points, I have not justified them sufficiently. “If I award nothing, the client goes to an appeals tribunal that is singing from a different hymn sheet.” He added: “If someone complains, I have to justify my very existence to people at Atos who neither know me, nor support me, nor care. Meanwhile my work load increases and my remuneration decreases as each year goes by.” When contacted by DNS, Douglas said: “I am not really interested in discussing it. It was something that was internal. Everybody has exasperation with people from time to time. I am really not very happy to discuss Atos.” The email was leaked to DNS just days after the government admitted that it had made it easier – at least in the short term – for claimants to insist that their WCA was recorded. Disabled activists have repeatedly accused the government and Atos Healthcare of putting obstacles in the way of claimants who want their WCAs to be taped, to protect them from assessors who do not record their evidence accurately and fairly. An Atos spokeswoman said: “We do not comment directly on leaks.” But she added: “Any issues raised by our doctors, nurses or physiotherapists are dealt with through the proper channels. “We audio record assessments where this request is made ahead of time and in accordance with our contract with the DWP.” A DWP spokesman said: “This is for Atos to respond to. We don’t comment on leaks.” Meanwhile, Labour MP Sheila Gilmore secured a short Commons debate this week to discuss the audio-recording of assessments, and told MPs that it was still difficult for a claimant to have their WCA taped, even though this would improve the quality of assessments and cut the number of appeals. The Conservative employment minister Mark Hoban admitted in response to Gilmore that Atos only has 52 recorders across the country to cope with more than 11,000 assessments a week. 13 June 2013

Document Source: http://disabilitynewsservice.com/2013/06/atos-doctor-sickened-by-claimant-requests/ A senior doctor working for Atos Healthcare told colleagues he was “sickened” that disabled benefit claimants can now demand to have their “fitness for work” assessments recorded, according to a leaked email seen by Disability News Service (DNS). Geoff Douglas, who has been assessing disabled people for their eligibility for disability benefits for more than 10 years, sent the email in reply to an Atos manager who had complained that colleagues were refusing to carry out audio-recorded work capability assessments (WCAs). The manager said in her email that a colleague was having “major difficulties getting any HCP [healthcare professional] to undertake a recorded assessment”. But in his reply, copied to colleagues at the Atos assessment centre in Birmingham, Douglas said he was appalled that claimants were now able to demand to have their assessments recorded. He wrote that “although I do them, it sickens me that clients, who apparently have a perfect right to not turn up and to not fill in an ESA50 form [the questionnaire every claimant has to fill in], now have the right to demand a recording”. He also described Atos as “without doubt the most incompetent, inefficient and uncaring organisation with which I have ever been involved”. It is just the latest in a series of embarrassing incidents in which Atos assessors and other staff have been shown in a less than flattering light over their attitudes to benefit claimants and the assessments, which test eligibility for out-of-work disability benefits. Douglas, a fellow of the Royal College of Physicians, complained in his email that the task of assessors was “becoming ever more complex and ever more futile, as we bend over backwards to satisfy the demands of a government that wants and needs cuts to the welfare budget”. He said the time they were given to carry out the assessments was “unrealistic”, and added: “If I do it quickly, I have not covered all the issues. If I award even a few derisory points, I have not justified them sufficiently. “If I award nothing, the client goes to an appeals tribunal that is singing from a different hymn sheet.” He added: “If someone complains, I have to justify my very existence to people at Atos who neither know me, nor support me, nor care. Meanwhile my work load increases and my remuneration decreases as each year goes by.” When contacted by DNS, Douglas said: “I am not really interested in discussing it. It was something that was internal. Everybody has exasperation with people from time to time. I am really not very happy to discuss Atos.” The email was leaked to DNS just days after the government admitted that it had made it easier – at least in the short term – for claimants to insist that their WCA was recorded. Disabled activists have repeatedly accused the government and Atos Healthcare of putting obstacles in the way of claimants who want their WCAs to be taped, to protect them from assessors who do not record their evidence accurately and fairly. An Atos spokeswoman said: “We do not comment directly on leaks.” But she added: “Any issues raised by our doctors, nurses or physiotherapists are dealt with through the proper channels. “We audio record assessments where this request is made ahead of time and in accordance with our contract with the DWP.” A DWP spokesman said: “This is for Atos to respond to. We don’t comment on leaks.” Meanwhile, Labour MP Sheila Gilmore secured a short Commons debate this week to discuss the audio-recording of assessments, and told MPs that it was still difficult for a claimant to have their WCA taped, even though this would improve the quality of assessments and cut the number of appeals. The Conservative employment minister Mark Hoban admitted in response to Gilmore that Atos only has 52 recorders across the country to cope with more than 11,000 assessments a week. 13 June 2013

Hi guys i hope might get little help here i been having few problems with Orange when signup to there Dongle 1GB internet on 25/06/09 few months into having the dongle had bit high bill £50.00 because went over my usage at time i paid it believe that infect i did go over the 1GB at time then next month come and again £50.00 i was now questioning myself to how on earth could use more then 1GB for amount time used it, so as i did i spoken Orange to see what on earth going on and after go over all my data on my end its was found my Dongle software was recording wrong but my advice from Orange was install third party software and this will resolve you going over your limit !! So after getting so little help i reported my issue with there head office to see if new dongle could be sent out to reduce me spending £50.00 and return to £9.99 but infect all Orange willing to do tell me how use the software correctly !! So like ok no problem i speak to someone else about the matter so rang OFT believe or body that controls the internet side and told me what to do, they advised me write letter to orange outlining them about the fault and make sure included date for reply to be given to me. Few months past and after refusing to pay orange any money to had letter about my complaint answered i just sat and waited out then had letter but this time from dept collect about the amount outstanding needed be paid i rang them told them the problem and they told me past on to Orange. Few weeks later had phone call telling me if paid the outstanding balance Orange will wave reconnection fee £110 and we can continue with my internet i they told them i no reason to pay the balance as that no my issue and told go back Orange with my new terms. Any way few years have now pasted and few dept company's have come and gone all asking for money for same account that Orange have past on to them in fact believe had 5 dept company's all asking for £43.79 sound very small amount but refuse to pay it because the fact my complaint to this day has never been answered by Orange all care about is about the money and not my complaint. At moment i today had letter from Past Due Credit Solutions offing me reduce amount if ring them and pay £21.90 that be end day but why should pay no one seems write to me say sorry sir poor customer service. So what should i do pay them and forget about it or continue to fight it.

Hi all, I bought a video card on scan.co.uk and it did not improve the desktop graphics performance on my PC. I have a sent a return request to scan.co.uk (within 7 days), but they are not responding in any way. They do not give an email address and their customer service lines are premium rate numbers, so I had to use a web form on their site and got a query number. I have also posted on their forums and sent another return request (still within 7 days), but have no replies. The card is back in its box. I have heard of companies refusing returns, etc, but am not sure what is the best step to take when they are simply ignoring me. Also, I believe the product was of such low quality that I can ask them to pay the postage for this. Any advice would be welcome. Thanks. Technical details: The card was a Point of View GT 620, model VGA-620-C1-1024-P. I used the Windows Experience Index and the desktop graphics performance had actually gone down with it installed! It was slower than the integrated graphics in a 1st generation Intel i3 530! I looked at the specs given in the Nvidia control panel and used GPU-Z software. Neither the Point of View or Scan websites said anything to suggest the card was any different to the standard GT 620 described on Nvidia's website, but the texture fill rate and pixel fill rate were both half of what they should be when compared to the Nvidia specifications (pixel rate = 1.4GPixels/s instead of 2.8GP/s, texture fill rate = 5.6GTexels/s instead of 11.2GT/s). The memory bandwidth was 8.5GB/s instead of 14.4GB/s (the Nvidia control panel said 8.53GB/s). The shader clock should have been 1400MHz, but was blank in GPU-Z. The GPU-Z sensors' statistics go up and down, but also ranged from low to extremely low. Windows still froze and were slow to load. HD video still suffered from 'tearing'. According to Windows Experience Index, 3D gaming performance had improved (from 5.3 to 6.2), but the card is not suitable for modern games and I do not want it for that.

Hi, I have put in a claim for SSP with my employer mid december and despite numerous emails from myself asking about it they have mostly ignored me and fobbing me off. My first day off was the 5th of November and I gave them my fit note on the 19th December and not heard back since. I have had another month off since that period and despite working for a smallish company they don't seem to be doing much. My time off was because of a disability and connected to it. In the mean time I have had letters threatening me with gross misconduct. I have been with the company for over 12 months now. I have been emailing HR everyday this week and just been ignored other than a message saying 'sorry I'm snowed under'. I don't get any form of sick pay from them so SSP would be very helpful. Also they had my medical records from last year but they have lost them and want me to give them permission again. Any ideas on what to do?

Good morning all. I started receiving telephone calls on my mobile (fortunately they don't have my landline number) from mmf about 3 weeks ago. I didn't answer the calls as I didn't recognise the number. The calls would be closely followed by 2 text messages from different numbers asking that I call mmf and quoting a reference number. The texts were not addressed to anyone. I sent them a letter by recorded delivery asking for them to prove the debt was mine (as no amounts were mentioned, neither was the original creditor) as I have not had any loans or finance with this company, or any letters informing me that a debt has been sold to them. I asked that all correspondence be put in writing and posted to me. The letter was received and signed for on 16/01/2013. Since then I have received 3-4 calls a day, followed by text messages and emails saying I am going to have a home visit and for me to contact them to arrange a convenient time for them to call. I emailed them a copy of the letter that was posted to them explaining that I will not be making an appointment and revoking license under English Common Law for them to visit me at home (I have a disability so I wouldn't be able to answer the door to them anyway!) and again explaining that I wanted a copy of the letter of assignation for them to be able to collect the debt, as I have had nothing from them. I had an email back informing me that the debt was for a payday loan with Peachy, taken out in 2011 for the amount of £349. Today I have received 2 very blunt emails telling me to call the home visit dept to make an appointment I sent them the template letter from your wonderful site asking them for the CCA and enclosed £1 postal order and again requesting that contact only be made by post. I then emailed them a copy of this letter, just to make sure they had it. Is there anything else I can do to get these people to listen to me? I thought all demands for payment were supposed to stop until I received proof that they are legally entitled to collect the debt, instead the calls, texts and emails threatening home visits have increased! I'm not avoiding my debts, I was on such strong pain medication in 2011 I genuinely don't remember taking out this loan. Once I see the CCA I will be able to make a payment arrangement with them, until then I would really like the calls and messages to stop and I'm worried sick that they are going to turn up at my door, I'm really not up to a confrontation in full view of my neighbours.

We started dealing with our own debts after leaving CCCS and 2 of our debts (Lloyds TSB and MBNA ) are being handled by DCA's. We requested CCA's for both as we wanted to be sure of everything CCCS had been doing and didn't recognise the names payments were going to after chasing we found Wescot were dealing with the Lloyds loan and Idem were dealing with MBNA debt and we issued requests and £1 cheques to these companies. The one from Lloyds is 'a copy of the reconstituted version of your executed agreement and a signed statement of your account' - it goes on to say ... 'there is no requirement under the CCA to provide you with a copy of the original signedagreement. 'having satisfied our obligation under section 78, the agreement you have with us is fully enforceable and we shall continue to treat it as such. Since we received this letter we have had two further letters - 1 from wescot advising reduced payment would be accepted and another from SCM solicitors requiring the balance paid off within 7 days Where do we stand with this debt? idem servicing sent a copy of the CCA after request and it is not signed by me or MBNA but tick boxes next to my name and that of Jonathon Back (Director) on behalf of MBNA are both ticked (computer generated) Where do we stand with this one ? I'm not trying to get away with paying anyone but the different companies and lack of agreements seems a bit strange?