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theberengersniper last won the day on June 4 2015

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  1. Would it be worth the OP checking the CRAs in case someone has applied for credit or a loan using their address?
  2. Imogen, If the Police were to be involved they would have been called at the time. You do not need to worry about legal action being taken against you. What the security guard at Waitrose will do with your details is pass them on to a firm called Retail Loss Prevention, or another similar company. That company may write to you, requesting that you pay them an amount that they will claim is to pay for the security guard's time in dealing with you. This letter they may send you is not a fine, it is a speculative invoice. RLP cannot fine you, and nor can anyone else other than a court of law. The only thing they can do is issue a speculative invoice that they hope you will pay out of blind fear and panic. Please understand that whether you pay this or not can have no adverse implication on you, and it certainly doesn't affect whether there is Police involvement. Their opportunity to involve them has passed. You can safely ignore their letters. Leave it to someone else to finance their Christmas night out. What you do need to do is see your GP, and begin to understand why you're doing this.
  3. I was expecting DX to pop in and say that offering you that big a discount means something is fishy...
  4. I wonder if it might be possible to attempt communication with the owners before you leave your review. If they were mature enough about things, you might be able to discuss your concerns between the two of you, come to an agreement over what they're going to do about it, and the rough content of your review. That way your review isn't a total surprise to them, you can include in your review what their pledge has been to resolve the issues, and still state what problems you had. Of course that relies on them being on board with the idea, but I'd like to think if I was a business owner, I'd prefer to know about things and address them. After all, my perspective is not the one that matters ultimately.
  5. As far as I'm aware, although these delivery drivers wear DPD branded clothing and drive DPD branded vehicles, they are not in fact employees of DPD, rather they're self-employed contractors. The reason I raise that distinction is it likely limits the clout DPD as a company has on the driver, leaving them unable (even if they were willing) to instruct the driver to deliver to you. In other words, if he says he refuses to deliver to your address, there's very little DPD as a company can actually do about it. By way of experiment, would it be possible to speak to your neighbour and arrange for a delivery to be made to their address? If DPD do deliver to your neighbour, and assuming you're not having multiple parcels a week delivered, maybe your neighbour would be prepared to act as recipient for you. Of course, I realise that should not be necessary, but I don't see how you can force the issue. I'm sure BankFodder or another regular will have something to say on the legality of their behaviour. I'd be interested to know if there's any legs in the argument that they've already accepted the delivery instruction at the point where the supplier arranged collection of the goods. So what is the legality of retrospectively backing out?
  6. Here is what I would do: Visit https://www.gov.uk/check-mot-status and check all the previous MOTs recorded against the van, paying particular attention to the mileage at each. Phone, or call in and see, your nearest Mercedes dealership (you may need to find a Mercedes commercial dealership) and ask them to query their database for any information or history they hold on the van. If it's been through a Mercedes workshop for any reason, they will have a record of the date and mileage. Ask Mercedes to scan the van's ECU. Modern vehicle control units retain an electronic record of everything about the car or van, including its mileage. That would tell you once and for all what its true mileage is, but it'd cost you about £50-ish. Look through all the documentation you got when you bought the van, does the V5 show anything about the previous keeper? It may be possible to find them and ask them directly about the van's history prior to your ownership. Get an HPI or other vehicle background check done. That will tell you whether the van has been crashed, written off and repaired, and a load of other useful information to help you build a picture of the van. One possible, albeit unlikely, explanation for a discrepancy could be the van has had its instrument cluster replaced. That's why I'm suggesting you use these other resources to help build a picture of the van's history, rather than relying solely on the figures you're seeing recorded by some mechanic.
  7. Yonce, an important point you need to understand about these 'warranties' are that they inevitably exclude anything subject to wear and tear, and that includes all the parts quite likely to go wrong. For example, you might imagine buying their warranty will protect you against a slipping clutch, a noisy gearbox, clunking suspension etc, but it won't, because they will say that such parts are subject to wear and tear in ordinary use, and in buying a car that's 5 years old you must expect wear and tear to have occurred. Sticking the knife in doesn't end there though, because the small print of your 'warranty' will also tell you that you're liable for the cost of diagnostics (electronic or mechanical) if the problem is found to be attributable to wear and tear. In other words, DX is right, these warranties are entirely pointless. You are far better saving the money and, if need be, rely on your consumer rights, which the good people here will help you to enforce if need be. A good piece of advice to take on board though is to make sure you don't get carried away in the excitement of a new car. They're not gold dust, there will be others the same out there, and if you're seeing issues before you even take delivery, I think you should consider what you're doing very carefully.
  8. I remember that episode. The shop looked like it was in a state of disrepair, complete with boxes lying around and glasses displays half empty. I also remember how wound up the proprietor was though, and how uncomfortable it was at the time. He ended up having to call his son, who covered the bill for him at the time, but only after the old boy had called his bank and revealed his bank balance, all in front of the cameras. It felt wrong at the time.
  9. Good morning all. My apologies if this has been asked before, but in the next month or so I will have a need to send out a number of reasonably high-value packages, and with the forum seemingly exploding with complaints about EVRI/EVRi, I was keen to hear from people with positive experiences of other companies they've used? In the past I have always used EVRi via Parcel2Go, because they were very often the least expensive, but the number of complaints I've seen recently has put me off EVRI/EVRi completely. I don't mind paying what it takes for peace of mind and decent service.
  10. If you don't use the landline, I can't be the only one thinking you could just unplug it and throw it in a cupboard? You don't need it in order for your internet to work, so why keep something plugged in that's driving you so mad? Edit: Sorry @dx100uk I missed you suggesting the same thing before I hit 'Post'
  11. Maybe others will have a different view, but in mine it is your responsibility to carefully check and assess your surroundings before you move your car. The Highway Code appears to back that view up. Rule 202 (my emphasis): Look carefully before you start reversing. You should: - use all your mirrors - check the ‘blind spot’ behind you (the part of the road you cannot see easily in the mirrors) - check there are no pedestrians (particularly children), cyclists, other road users or obstructions in the road behind you. - Reverse slowly while - checking all around - looking mainly through the rear window - being aware that the front of your vehicle will swing out as you turn. I'd be surprised if the garage were liable for your failure to check your surroundings before moving off, but I've been wrong plenty of times before.
  12. Yes, it's the total cash value of the car. The insurer doesn't care how much you're paying over the course of your lease, your monthly payments etc, they're only interested in the total value of the car, because it's the gap between that and its value at the point of loss they would cover through the GAP insurance policy.
  13. To successfully take action against you the auction house would have to prove they suffered some form of loss. In my humble opinion, for them to successfully do that would mean somehow proving that the auction that went awry was their only opportunity to sell that car, and/or that selling it at any other time would mean a substantial reduction in the sale price, your erroneous bids notwithstanding. You have your previous completed transaction with them that demonstrates you are not a troublesome bidder, and that in all likelihood, something did go wrong with their website. DX is definitely correct that you should ignore them. This site doesn't advise getting involved in 'letter tennis' as DX usually puts it, because it's really only an invitation from you to them to start writing you more letters and upping the aggression factor. If - and it's an extremely big if - you ever receive a letter headed 'Letter before claim' or similar, you should come back here. Aside from that remote possibility, you should get on with your life, and probably avoid that auction site in future.
  14. theberengersniper

    NHS data

    I'm no expert, but assuming the NHS has an agreement with this clinic, whose role it is to provide NHS treatment to patients, I would have thought they may be covered by a legitimate interest clause. Provided they don't start making unsolicited contact with you about other treatments, offering additional services, or share your information with other parties who do not have direct involvement in your care, from my layman's perspective I would be surprised to hear they've done anything wrong in this case.
  15. In relation to your Hermes complaint, you do not need a solicitor. BankFodder, dx100uk and other knowledgeable contributors will guide you through all the steps you'll need to follow. The reason BankFodder is insistent that you read up, is because there will be lots of terminology and processes that will need to be followed accurately, and trying to explain everything to you at the same time as guiding you through the process will not work. You must gain a thorough grounding in what will happen, how, and when before you embark on this process. Use the site search feature to search for "Hermes". There are no end of stories just like yours. Read a few of those threads from start to finish. In terms of your other worries, the best advice is to split those out into their own threads, one for each debt.
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