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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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I went shampoo free last year and being a girl, it has saved me a bundle on shampoo and conditioner.

 

What I do is mix a few tablespoons of sodium bicarb with water,pour slowly over dry hair and massage in,then rinse off thoroughly - this cleans the hair and scalp, leaving on the natural oils in the hair. Then a couple of tablespoons of apple cider vinegar mixed in water, and massage into hair bur not scalp - this conditions the hair and makes it easy to comb/brush- again rinse it out well. (don't worry, once dryit doesn't smell of vinegar).

 

My hair (long dark curly) has never looked better. The hair initially goes through an 'uncomfortable' stage for about a month while natural oils (which shampoo strips) return to the hair. Once through the transition stage, hair looks clean and glossy, never smells dirty or like it used to, looks lank and gross three days after shampooing. Even after a week with just a quick rinse and brush every day - still looks and smells great - I just clean with the bicarb and vinegar solutions as needed.

 

I now look at shampoo and conditioner as a con - once you start using shampoo and conditioner, you're tied to using it and paying for it, otherwise oils are overproduced making the hair look horrid. Most people don't get through the transition to shampoo free, because it does take 3-4 weeks for the oil production to normalise to what it should be.

 

Just thought I'd share.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Beer is good for a healthy shine as well :)

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 1 month later...
Are you share about the beer ?

I drank 6 pints last night but my hair is just the same.

 

:lol: Erm, you need to rinse your hair in the beer, not drink it !! :lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have been vegan for over half of my lifetime. As most shampoos contain dead animals, I use a method similar to that described in the first post.

 

I have a full head of hair and a few grey hairs have started to show themselves this year. People my own age such as from school are now all mostly bald, going bald or what hair they do have left is mostly grey.

If I've given you advice, then it is just my thoughts / opinions - doesn't mean I am right!

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  • 2 years later...

Before I see any "holy thread resurrection Batman " comments

 

 

I must point out that at the time of writing that this is on page 1.

I know for a fact that if one eats only a VEGANITE diet (I mean vegan, must be thinking of a poster hehehe)

and drink rain water you CAN discover the much vaulted FOUNTAIN of youth.

 

 

This is ALSO backed up in the bible in Daniel.

 

 

Eat NATURAL and you will look younger.

 

 

You don't need all these so-called anti-ageing creams which don't work except for the very expensive ones only reserved for so-called "celebrities"

 

Grow your OWN vegetables, and drink the rain.

 

 

Do this for two weeks.

 

 

Btw I got this from a celberity that tried this but I can't re-find the link.

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I have been seeing this product called shampoo in supermarkets for years, but never realised it was used to wash hair.

Lucky me I haven't got this problem.

Early genetic boldness took over before I could by shampoo with my own money 😂

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I tried going vegetarian once and after 3 days I went bold and collapsed on the street.

A juicy 3 pound t-bone sorted it ☺

might try being a veggie then, get some more boldness. though i wldnt want to collapse re the bravado...wld defeat the object. :)

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