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    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      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.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Has anyone else watched this fantastic man at work?

He truly deserves the title Super vet, Professor Noel Fitzpatrick

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Yes very good. Very expensive and he does not mention charges.

 

He recently said that the treatments are going too far in some cases, with animals being kept alive more for the owners benefit, than the quality of life left for the animal.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Vets are expensive... pet insurance is expensive... my dog's insurance with Sainsburys rose from £18 to £56 over a five year period... when I tried to claim for a skin complaint, they turned me down, saying there was a pre existing illness... there wasn't, it was an ear infection which cleared up with treatment... They also acccused me of being out of time to claim... also untrue... I let them know when he started the treatment and because the drugs were new and only sporadically available, I didn't claim straight away... I would have been better off putting my money into a savings account... what a rip off! TB

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I can not get pet insurance for my dogs! Had to take my Weimaraner to the vets at the weekend and that cost me £100, most of that cost was for a blood test

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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As both my dogs are elderly ( both rescue dogs ) , ( one is nearly 12 and the other nearly 11 ) a lot of insurance places will not give you insurance, specially if they have ongoing medical problems.

 

Weimaraners get fatty tumours, ( something to do with genetics ) and most give no problems but some are cancerous, if you can move the lump then fine it is when you can not :(.

 

The vet wants my dog to have CT,MRI, X-RAYS etc costing up to £400 and she said even then the outcome may not be good.

 

I did watch The Super vet last night and the surgery on a Great Dane, I have heard him mention costs before and he has actually at times paid for the surgery himself .

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Veterinary medicine has come on in leaps and bounds, mainly for dogs. I do think as owners we need to keep some sense of perspective and not be made to feel guilty because we cannot or choose not to spend thousands of pounds on major procedures. We do have a duty to our animals to keep them properly fed, housed and free of pain, to ensure they get necessary veterinary treatment. I see owners prepared to risk the roof over their family's head for an expensive op when there is an alternative at a fraction of the cost and I'm told it's because 'they' love their animal - the obvious implication being that I don't love mine. I see owners putting elderly pets through regimes the like of which they wouldn't dream of making their own grandmother endure. The supervet is a great watch and I do like the guy but there's no way it's the norm and there's no way the rest of us should see it as a measure of a good owner.

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Vets are expensive... pet insurance is expensive... my dog's insurance with Sainsburys rose from £18 to £56 over a five year period... when I tried to claim for a skin complaint, they turned me down, saying there was a pre existing illness... there wasn't, it was an ear infection which cleared up with treatment... They also acccused me of being out of time to claim... also untrue... I let them know when he started the treatment and because the drugs were new and only sporadically available, I didn't claim straight away... I would have been better off putting my money into a savings account... what a rip off! TB

 

Owners are surprised/dismayed at vet costs because we're used to the NHS for humans. It's on a par with the price of private medicine, significantly less in some cases.

 

The Insurance for both my dogs jumped dramatically when it was confirmed they both had allergies. I took out a 2nd insurance via the vet. This covers them for all their flea / worming treatments - 2 check ups a year and a percentage discount off any item that is not already covered by their main insurance.

 

I worked out that the cost of the allergy serum and injections was not that expensive so I have cancelled the insurance for her as it was approaching £175.00 per month and they only pay out £100 if she were to die of old age or ill health. Obviously if there was an accident then they would pay out more. The younger dog is a little more adventurous so I am not going to risk him needing expensive vet treatment. so I have continued with his..

 

Veterinary medicine has come on in leaps and bounds, mainly for dogs. I do think as owners we need to keep some sense of perspective and not be made to feel guilty because we cannot or choose not to spend thousands of pounds on major procedures. We do have a duty to our animals to keep them properly fed, housed and free of pain, to ensure they get necessary veterinary treatment. I see owners prepared to risk the roof over their family's head for an expensive op when there is an alternative at a fraction of the cost and I'm told it's because 'they' love their animal - the obvious implication being that I don't love mine. I see owners putting elderly pets through regimes the like of which they wouldn't dream of making their own grandmother endure. The supervet is a great watch and I do like the guy but there's no way it's the norm and there's no way the rest of us should see it as a measure of a good owner.

 

I agree, it is amazing what they can do for animals now. I was at the Cambridge Vetinary Hospital a few years ago with my younger dog - he has a design fault (he isn't a dwarf, but wouldn't grow as large as his parents). He is a Jack Russell. The Consultant said that as Toby had the design fault then it wouldn't be necessary to treat him for the "Antebrachial deformity" which was causing his front paws to turn inwards. The cost however, would have been absolutely horrendous and the treatment positively medieval. Anyway, whilst we were waiting for him to be returned from x-ray - I was looking at the Success Board. Prosthetics for dogs who had lost legs/paws. Mobile support trollies for those who had serious hip deformities, absolutely amazing.

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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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It's not the cost of treatment, but the shenanigans of the insurance companies who look for any loophole they can to get away with not paying out.. Because of my low income, I am entitled to go to the PDSA, however, they refuse to continue to treat any unneutered animals and I won't put my dog through an unnecessary anaesthetic, having previously lost a healthy dog whilst it was undergoing a scan….TB

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As both my dogs are elderly ( both rescue dogs ) , ( one is nearly 12 and the other nearly 11 ) a lot of insurance places will not give you insurance, specially if they have ongoing medical problems.

 

Weimaraners get fatty tumours, ( something to do with genetics ) and most give no problems but some are cancerous, if you can move the lump then fine it is when you can not :(.

 

The vet wants my dog to have CT,MRI, X-RAYS etc costing up to £400 and she said even then the outcome may not be good.

 

I did watch The Super vet last night and the surgery on a Great Dane, I have heard him mention costs before and he has actually at times paid for the surgery himself .

 

I read somewhere that there is a scheme which vets can join and they can provide you with a loan for expensive treatments… TB

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Veterinary medicine has come on in leaps and bounds, mainly for dogs. I do think as owners we need to keep some sense of perspective and not be made to feel guilty because we cannot or choose not to spend thousands of pounds on major procedures. We do have a duty to our animals to keep them properly fed, housed and free of pain, to ensure they get necessary veterinary treatment. I see owners prepared to risk the roof over their family's head for an expensive op when there is an alternative at a fraction of the cost and I'm told it's because 'they' love their animal - the obvious implication being that I don't love mine. I see owners putting elderly pets through regimes the like of which they wouldn't dream of making their own grandmother endure. The supervet is a great watch and I do like the guy but there's no way it's the norm and there's no way the rest of us should see it as a measure of a good owner.

 

I agree… I definitely wouldn't want to put a pet through chemo… it's very sad but you need to do right by them so that they don't suffer.. sometimes that means having to let go. TB

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I worked out that the cost of the allergy serum and injections was not that expensive so I have cancelled the insurance for her as it was approaching £175.00 per month and they only pay out £100 if she were to die of old age or ill health. Obviously if there was an accident then they would pay out more. The younger dog is a little more adventurous so I am not going to risk him needing expensive vet treatment. so I have continued with his..

 

Hi CitizenB… Did you ever find out what your dog is allergic to? Mine is not seasonal, not food… was wondering about house dust mite. He has been on a new immune suppressant called Apoquel, but although it worked great at first, he has started to scratch more and more again… I'm thinking of trying something called Respit… is that the serum you mention? more importantly, is it safe and does it work? I am very reluctant to keep my dog's immune system damped down, especially as he gets older and more susceptible to infections… but I can't bear to see him scratching away… I will do ANYthing to find him some relief! Dreading the summer… not pollen but Adders… I've had THREE dogs hospitalised in the past… the horrible things are in my garden, waiting to pounce on the dogs... TB

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Hi CitizenB… Did you ever find out what your dog is allergic to?

 

Indeed we did - according to our vet I have two 21st Century dogs - allergic in varying degrees to house dust mite - grass - pork (although neither of them have eaten this, it is apparently in a lot of dog foods)

 

Toby the JR is also allergic to dandelion

and Amber, the Goldie is also allergic to the dry air caused by central heating.

 

They have monthly jabs which work very well, although in Amber's case it took nearly 2 years for the vaccine to become effective.

 

I have to be honest, I dont know the name of the vaccine - but I will ask when I go next. Yes, it is very safe and there have been no side effects whatsoever.

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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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That is very scary about the adders in your garden !

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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We also use a shampoo called malaseb for them both. That helped reduce the itching before their allergies were catalogued.

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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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pork (although neither of them have eaten this, it is apparently in a lot of dog foods

 

 

Manufacturers have to put a minimum 4% of the 'named' flavour meat in their product but the rest can be anything else and it doesn't have to be the same recipe for every batch. Beef flavour will have a minimum of 4% beef and the rest of the meat content can be chicken on one run and pork on the next. This is one reason animals will suddenly appear to become intolerant to a food which has previously suited them. The only way round this with manufactured foods is to buy a brand which guarantees novel protein content ie only beef or only chicken. It does cost more but it isn't as expensive as the vet and a lifetime of drugs and there are manufacturers/suppliers who make good, novel protein foods at reasonable prices. I have a 'sensitive' GSD who hasn't had a skin outbreak since I went novel protein and wheat free.

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Wow… thanks for all the posts! I shall definitely look up Dermacton and the novel protein route… (Any more info on that would be greatly appreciated)...I am already using Malaseb twice a week. At one point I spent weeks living on beans on toast so that he could have duck fillets, sweet potatoes and green beans all freshly cooked… didn't stop the itching but he certainly looked forwards to dinnertime! I have tried raw, and again, it didn't make any difference and he wasn't too keen… the other dog throws up raw stuff, too. I have tried really expensive (£2.50 a can) Lilly's Kitchen, but nothing seems to work, so I really think it could be a house dust mite thing… I have very litre in the way of soft furnishings and mop and hoover our hard floors. The vet even suggested that he may be allergic to the other dog's dander! I had to laugh at dandelions… never heard of that one! But it's really no laughing matter when your dogs can't rest. The Apoquel works up to a point, but he gets flare ups and hot spots… I have been using a steroid cream on him this week…The last vet consultation was £120… my income is about £140 a week… so what with the insurance premiums and the Apoquel, I can hardly afford to eat. I would like to try the serum and vaccine… just worried that his immune system having been damped down for so long will go into overdrive with the vaccine… many thanks again for all the advice to help my dear little dog. I will let you know how I get on. TB

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That is very scary about the adders in your garden !

 

I hate the nasty things… I am so nervous about the dogs being bitten as I am half an hour by car from the nearest vet… a bite can kill in minutes, especially when it involves the face… they ALWAYS bite the face. I have been 'lucky' so far as we manage to stabilise the dogs in time… but it always involves the dogs being put on a drip, etc...… just awful, and so expensive, too!:-( TB

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pork (although neither of them have eaten this, it is apparently in a lot of dog foods

 

 

Manufacturers have to put a minimum 4% of the 'named' flavour meat in their product but the rest can be anything else and it doesn't have to be the same recipe for every batch. Beef flavour will have a minimum of 4% beef and the rest of the meat content can be chicken on one run and pork on the next. This is one reason animals will suddenly appear to become intolerant to a food which has previously suited them. The only way round this with manufactured foods is to buy a brand which guarantees novel protein content ie only beef or only chicken. It does cost more but it isn't as expensive as the vet and a lifetime of drugs and there are manufacturers/suppliers who make good, novel protein foods at reasonable prices. I have a 'sensitive' GSD who hasn't had a skin outbreak since I went novel protein and wheat free.

 

Really, only 4% is that not misleading the customer ?

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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 hate the nasty things… I am so nervous about the dogs being bitten as I am half an hour by car from the nearest vet… a bite can kill in minutes, especially when it involves the face… they ALWAYS bite the face. I have been 'lucky' so far as we manage to stabilise the dogs in time… but it always involves the dogs being put on a drip, etc...… just awful, and so expensive, too!:-( TB

 

Is there no way of getting rid of the adders ?

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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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Is there no way of getting rid of the adders ?
No… they are a protected species! (That doesn't stop my neighbour from chopping their heads off with a spade..) But if I could find a deterrent, I would definitely use it… someone said they don't like the small of Jeyes Fluid… I'd be reluctant to go pouring poison all over the place though as we have lizards, slow worms, newts and other wonderful wildlife here… The anxiety I feel at the though that my dogs will be bitten is overwhelming… enough to make me want to move away… TB
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