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Everything posted by theberengersniper

  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.
  16. It doesn't help your immediate situation, so for that I apologise, but when you take out insurance cover, one of things you're asked to confirm you will do is notify the insurer of any change in circumstance, for you, the vehicle, or any of the named drivers. Admiral's position is that a 'student' exposes a lower risk profile than a 'receptionist', for whatever reason, and that had you fulfilled your obligation to notify them of the occupation change your monthly premium would have gone up, or, if you paid annually, they would have requested a one-off fee from you. So it's not quite true to say the "policy was correct". It was when you took out the cover, but was no longer a true reflection of the insured risk at the time of the accident. That's why it's probably reasonable that they're making those deductions. I think also with car valuations rose-tinted glasses can be a slight issue. The special edition interior of your own car may have increased its value originally, but in a car of that age with over 100,000 miles on the clock, I really don't see it making any difference at all, but I've been wrong plenty of times before. I would follow UB's advice above. Write to them, but include those valuations you've found, and let them know what you're willing to settle for. That's probably your quickest route to a Final Response, which is what you need before you can approach the ombudsman, or decide to just suck it up and stump up the difference.
  17. I hope you don't find this comment insensitive, because that's not how I mean it, but I can imagine the first response you'll get from the council is: "if the road was icy, and you knew that, why weren't you driving at a speed that would have avoided such a severe accident?". If you're lucky to be alive, you must have been driving in a manner similar to the way you would have been in warm, dry, conditions?
  18. @phineasferb12 DX can correct me if I'm wrong, but I'll give you a bit of a wider explanation in the hope of putting your mind at rest. When you were caught by the security guard he's taken your details and potentially - but not definitely - passed them back to a company called Retail Loss Prevention (RLP), or another similar company, for whom he likely works. They will contact you requesting that you pay money to recoup the cost of the security guard's time in dealing with you. That in itself is nonsense because his time is fully covered through the contractual price Boots will have agreed with the security provider. He may have referred to that as a 'fine', and it's even possible they will too, but no private person or company has any power to 'fine' you anything for any reason, only a court can do that. What they may send you is a speculative invoice which they are hoping you will blindly pay in fear of repercussions that can never come, because they have no legal basis to pursue you beyond a few scary letters, which you can safely ignore. You are 18, so if they choose to write, they will write directly to you and not your parents. So, providing you don't share a name with your mum, anything that comes will come to you. It's your choice whether you should intercept and destroy those, or treat it as a shake-up and 'fess up. The bottom line is this; you were lucky, it's done with and you should treat it as a valuable lesson.
  19. Maybe when your boss returns it would be worth a quiet "I noticed something that struck me as odd" conversation out of earshot with anyone else, posed in a sort dismissive "I'm not actually seriously questioning this" tone to see what he says. If nothing else, it would be interesting to know how this came about, and you never know when a little "inside knowledge" might help you with your boss.
  20. Understand that I'm nowhere near being competent to answer this, so take my comment with a pinch of salt until someone more experienced has answered, but reading a little more about your situation reveals this article: Creditor takes money from your bank account WWW.CITIZENSADVICE.ORG.UK Information on third party debt orders to take money owed to you to pay creditors, how they affect your bank account and what to do if a frozen bank account leads to hardship. Which appears to suggest, at the bottom, under the section "What happens if a 3rd Party Debt Order is Made Final", that the order can only affect money in your account when the order is made, and not money paid in later. So does that mean that when your next benefit amount is paid in, that isn't frozen, only what's in there now is? Mods - that's obviously a link to a different site above, which you might choose to remove if it's not allowed or advisable. In fact, just remove the whole post if that's the case.
  21. You could always write to the store manager who refused your refund and point out to him that you did indeed get your refund, despite his best efforts, and that his behaviour and lack of customer service has been brought to the attention of the CEO's office. You could also include a copy of your correspondence with head office confirming your right to the refund. It'll do absolutely not good in terms of making you feel better (which is what you want), but I'm sure it'll ruffle his feathers.
  22. Whether you can be identified from your IP or not isn't as simple as a quick 'no'. Before we can answer that with any accuracy, you'd want to know whether your internet provider has issued you with a static IP address, or a dynamic one. Most ISPs issue dynamic IPs that change, either when you restart your router, or when the lease for your current IP expires, but some, and most if you request it, will issue a static IP that is uniquely yours and doesn't change. A static IP is essential for some people, and more so now than ever because we're working from home a lot more. If you have cause to remotely access a computer or internet-connected device in your place of work, your work network firewall needs configured to let traffic from your IP in, but block everything else. That wouldn't be possible if your IP keeps changing, so in cases like that people need static IPs. If you have a static IP then you could well find searching a domain registry would reveal the IP to be assigned to you. Most registrars even show you on a map precisely where the IP is registered to, so yes, it's technically possible to identify you from your IP, and that's before you start going anywhere near trying to get the information from your ISP, who could of course tell exactly who used which IP, even dynamic ones. Fortunately, ISPs seem to be quite cagey about releasing that sort of data. Before I slept soundly, I'd want to know whether my IP was static or dynamic.
  23. When renewal time comes around you might want to think about phoning a few insurers for quotes, rather than going online only. I say that because, many moons ago when I was at university, I worked for Post Office car insurance, and our internal systems allowed me to differentiate between a fault and non-fault accident. From memory I don't think many online quotation tools do, they simply ask you if you've been involved in any accidents within the past 5 years. It may also be worth seeing what the quote to renew is from your current insurer. They will of course know liability for the first accident was fully accepted by the other side and so it shouldn't put your premium up. In those situations it's normal to retain your NCD as well. Edit to say I agree with Ethel, you must inform your insurer quickly about this latest incident. You are obliged to do so, and in any case you must protect yourself against any 3rd party claims for damage or injury.
  24. One other suggestion, which I didn't see as I was skimming the thread, would be to visit your local phone repair centre and ask them to look at your phone diagnostics. The repair agent should be able to tell, using the appropriate diagnostic tools, which they will have, when your phone was switched on or off and when. They could then more than likely print off or produce a report for you.
  25. I'm the farthest thing from a legal expert that you'll come across, so take my suggestion with that in mind, but would it be possible to approach the seller's solicitor and ask them to put pen to paper guaranteeing the document is compliant? Your solicitor is, after all, working under your instruction, so if you could gain some sort of confidence, possibly by way of written guarantee, then you might feel confident enough to instruct your solicitor to move forward. That doesn't help you if the document turns out not to be compliant, but it may at least give you some form of recourse. Note to CAG experts: If this is just silly then please go ahead and get rid of this post, I don't want to confuse things.
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