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  1. Hi All, I purchased Parcel Force 24 hour service for a package to be collected from me on the 21st December for delivery on 24th. It was a bottle of whiskey, inside a gift box, plus three bottles of wine, each separately bubble wrapped. They were then placed in an amazon shipping box with a layer of thick bubble wrap on top and bottom and some shipping paper filling any gaps to restrict movement and sealed with brown packaging tape. On Monday 24th the items were not marked as out for deliver - despite being marked as having arrived at the depot at 2am on the Saturday. I called on Monday afternoon to be told they didn't know why it wasn't out for delivery but would contact the depot to see if someone could go and collect it and would call me back. No one called back. On Thursday 27th I then called again and got transferred to the depot and told by the depot that they could not find the package. They asked for a description and the contents and would call me back. A couple of hours later with no call back I then called again and got told they were looking for it. My parents, who the package was being shipped to, then went to the depot to see if they could collect it. They were handed a box that looks like a box that reems of paper comes in. the box had no bubble wrap and inside was three bottles of wine, still in the sealed gift bags, but no bottle of whisky. When they sent me pictures of what they received I was surprised that it was a completely different box to what I shipped it in. On the 28th I submitted a claim for missing items and had a lengthy conversation with their online chat. Was told they would investigate it and within three hours of the conversation the claim was rejected and marked as "insufficient packaging" No mentioned of the fact it had been repackaged with an item missing and no mention of the multiple phone calls while they supposedly looked for my package only to suddenly find it when my folks showed up at their door? All seemed very suspicious to me and the claim I had not packaged it well enough is complete rubbish. Anyone any idea where I stand on with this? they have already rejected my claim and there doesn't seem to be any way to appeal what appears, to me at least, that someone opened my package and nicked bottle of whiskey out of it and then hurriedly repacked the stuff they didn't want in whatever box they had lying around the office. Thanks for any advice from anyone with some experience with Parcel Force!
  2. For the last 2yrs I have been kept going in circles by the NHS, I've seen 4 consultants, been passed through 3 different districts and all of them have said the same thing... I need surgery. I have a problem that needs correcting, but there is another problem getting in the way of them being able to do that surgery. They CANNOT carry out the needed procedure until the secondary issue is resolved... I have been repeatedly fobbed off and passed around without anyone taking responsibility for it. Then after almost 2yrs it got bumped back to my doctors to apply for funding for the secondary procedure. That has now been refused. To put it as bluntly as possible... I am barely hanging on by a thread here...I have zero chance of a normal life ever again... and it's not an overly complicated or expensive procedure. My doctors have letters from all of these consultants spelling out what needs doing, and the effect it is having on my mental health... I have asked for copies of all letters sent/received regarding this funding and have nothing. This was my last hope... and they're saying my life isn't worth anything, that I don't deserve any possibility of a normal life... let alone a fulfilling one. I don't know where to turn.... I have no one, and no idea what to do... I'm scared of what may happen to me.
  3. Animal welfare boosted by new law coming into force - England Only READ MORE HERE: https://www.gov.uk/government/news/animal-welfare-boosted-by-new-law-coming-into-force
  4. Tougher laser misuse laws come into force READ MORE HERE: https://www.gov.uk/government/news/tougher-laser-misuse-laws-come-into-force
  5. Not sure if anyone's seen this, I doubt it will make it onto the Can't Pay show. DCBL agent forces his way in to a residence where the occupant has told him he is not the debotor and does not know the debtor, Police are called and as usual support the agent in his incorrect actions https://tinyurl.com/yad63obg
  6. Could someone please advise on the “6-years and it lapses” rule, I want to know if it still is in place, and also if it then has relevance for the following. 5 years ago I acted on advice from the wonderful people on this forum. I had previously retired at 65 after a business collapse, and was facing constant letters/calls from debt collectors regarding some related debts amounting to £36K across 5 business credit cards, 1 personal card, and a small-business loan. As a result of great advice I was able to hold my ground and even go on the attack, and after a year or so 4 of the debts were wiped out and a 5th “will not be pursued until we can furnish a copy of the original agreement”. That DCA was a total shambles, so that seems extremely unlikely 4+ years later still. My query today relates to the personal credit card, which was being dealt with by DCA 1st Credit. I offered a token payment of £5/mth because at that time I had not discovered this forum and had no idea that the financial sector worked in such heavily self-serving ways, nor that I had options. The offer was accepted and I made 3 payments, though by that point I had found this forum which opened my eyes wide! I wrote to 1st Credit notifying them that the credit card issuer had not dealt acceptably/completely with previous concerns (long story!), that I would not be making any more payments, that they should return the case, and that I would be contacting their client seeking proper action and that they would be included in any subsequent formal complaint themselves if they continued collection processes in the meantime. Other than asking for details once, which I ignored, I never heard from them again. I have now received two letters a few weeks apart advising “1st Credit has now become Intrum UK Ltd”, requesting a payment arrangement for that debt. I don’t know whether 1st Credit just changed their name, or Intrum Justitia (one of ‘my’ earlier DCAs) has bought their book, but either way it seems 1st Credit just shoved it to the back of the shelf 5 yrs ago, not returned it nor done anything with it themselves. My knee-jerk is that if the 6-year rule still applies, they are now trying to resurrect the case before it lapses. Part of me says to ignore them and see where it goes, though another part of me wants to snap-back setting a line of defence advising Intrum to return the case to the card issuer who I am contacting requiring them to deal properly with already-notified matters that they have yet to complete, with a warning of a formal complaint should they continue to chase. I’d greatly prefer getting to a 6 year cutoff however and just washing my hands of the whole stressful matter, than opening a level of formalities all over again and having all the stress for a year at least and most likely on in to our mid-70s. I’d just like to get on with living, as all was extremely upsetting to my wife who was/is not a strong woman after losing all our assets, our house and a second property, and living hand-to-mouth on just our state pension in rented accommodation and not the comfortable retirement we had expected. So regarding the “6-years” rule, is it still in force? If so, would contacting fresh-face Intrum with a stand-down notification letter end the 5 year lack of any contact just a year before it could help close the door? Or maybe has that already been ended with the appearance of Intrum asking for an arrangement, beginning a fresh 6-year requirement? So … should I ignore Intrum’s contact for a while longer, or get in quickly with a defence by going in to attack mode which no doubt would drag out for at least a year … by which time the 6 year rule would apply anyway if it is still in place as a potential backstop as long as I don’t break the silence? I would welcome some focus so I can see more clearly what makes the best sense … and also any pointers to new or changed legislation/codes-of-conduct /proper forms-of-words/etc that may be keeping me unknowingly out of step with things these 5 years later. Many thanks if you can guide me at all.
  7. MOD confirms the death of Corporal Jonathan Bayliss, Royal Air Force Aerobatic Team (The Red Arrows) READ MORE HERE: https://www.gov.uk/government/news/mod-confirms-the-death-of-corporal-jonathan-bayliss-royal-air-force-aerobatic-team-the-red-arrows Such sad news my Condolences to his Family/Friends/those who new him and served with him RIP.
  8. Please offer me some advice if any body has any experience or expertise. My problem is that I bought a chandelier from Chinese seller on ebay on 4/12/17. I received message soon after I would receive parcel between 4-11 January 18 but was not given any tracking number. Parcel did not arrive by 11th January. I assumed because of new year there would be delivery delays. By 20th still no parcel. On 21/1/18 I raised an issue with the seller. He sent me a message that supposedly Parcel Force had attempted to deliver four times, the last time being on 20/1/18. There was no delivery note ever. On 22/1/18 i contacted Parcel Force by phone and they told me there was no evidence of any delivery attempt to my post code. However seller insisted, and supplied a tracking number which effectively showed one attempted delivery before parcel being sent back to china. At that stage seller wanted to refund my money £167 ( minus postage fee £57). I did not agree intially and raised a complaint at ebay resolution centre. After many emails between me and Ebay, the latter stuck to their guns that the seller had supposedly kept to their part of the baragin and therefore Ebay could not compel the seller to refund anything at all. That effectively meant the seller gets to keep their chandelier which they confirmed that they received back and the whole of my money. Ebay finds this 'reasonable' apparently. Since then I have contacted seller again to accept their intiall offer of some refund but now they are ignsoring my emails. I am disgusted by Ebay. Kindly help me recover my money. Abdel
  9. New overdraft alerts as CMA banking rules come into force READ MORE HERE: https://www.gov.uk/government/news/new-overdraft-alerts-as-cma-banking-rules-come-into-force
  10. Rent pressure zones READ MORE HERE: https://beta.gov.scot/policies/private-renting/rent-pressure-zones/ Please note this only affects 'Private Residential Tenancies' in Scotland Only Rent Pressure Zone Checker: https://www.mygov.scot/rent-pressure-zone-checker/
  11. Letting Agents Registration and Code of Practice Comes into force 31st January 2018 ***Scotland Only*** The Housing (Scotland) Act 2014 made provisions for the mandatory letting agent registration, regulation and training requirements in Scotland. Housing (Scotland) Act 2014: http://www.legislation.gov.uk/asp/2014/14/contents/enacted Part 4 of the Housing (Scotland) Act 2014 makes provision for the registration, regulation and training requirements for letting agents in Scotland. They include a mandatory register of letting agents, a ‘fit and proper’ person test, training requirements, a code of practice to which all letting agents must adhere and enforcement through the new First-Tier Tribunal. The Letting Agent Registration (Scotland) Regulations 2016 sets out the training requirements that those applying to join the register of letting agents must meet and additional information required for registration. This was laid before the Scottish Parliament on 22nd December 2016 and comes into force 31st January 2018. The Letting Agent Registration (Scotland) Regulations 2016: http://www.legislation.gov.uk/ssi/2016/432/introduction/made Letting Agent Registration Guide: https://www.mygov.scot/letting-agent-registration/who-needs-to-register/ The Register of Letting Agents will be a list run by Scottish Ministers that will make sure every letting agent is suitable to do the job and has met minimum training requirements. --legal obligations relating to letting agency work and the rights and responsibilities of tenants and landlords --handling of tenants’ and landlords’ money --arranging and managing a tenancy --managing repairs and maintenance --customer communications --complaints handling --equality issues The Letting Agent Code of Practice (Scotland) Regulations 2016 were laid before the Scottish Parliament and will come into force on 31st January 2018. The Letting Agent Code of Practice (Scotland) Regulations 2016: http://www.legislation.gov.uk/sdsi/2016/9780111030912 Those engaged in letting agency work must also comply with the Letting Agent Code of Practice. The Code of Practice is set out in The Letting Agent Code of Practice (Scotland) Regulations 2016 and contains general duties including: --complying with relevant legislation --providing accurate information --applying procedures consistently and reasonably --dealing with complaints --ensuring compliance by employees and subcontractors --handling private information sensitively --not to unlawfully discriminate --carrying out services in a timely fashion and with due skill and care Housing and Property Chamber First-tier Tribunal for Scotland: https://www.housingandpropertychamber.scot/
  12. Service of commemoration for 7 World War 2 Royal Air Force (RAF) servicemen READ MORE HERE: https://www.gov.uk/government/news/service-of-commemoration-for-7-world-war-2-royal-air-force-raf-servicemen
  13. My girlfriend have seen a watched and she tried it ,i take it from the box and she was puting on her hand while we are speaking about a jacket that we have seen to go and try it, we forget about that watch on her hand, they came 2 muscle retail prevent they ask me to go with them , i said that i will go and i ask them why they are using force on my girlfirned and on me not, because it not fair to take somebody with force, i was cooperate, i was telling that we wanted to go and see a jacket and we forget about the watch and we gonna pay for the watch, they didn't want to let us to pay for watch, they wanted to call the police i said to them i will leave the building, while i was taking my girlfriend by the hand they jump on me and starting to hit me and put the force on my head, hands everywhere ,i was trying to get up and i was again put down while one of rtp they put they knees on me and leg, i don't know it exactly, this was happin in the security room., they call the police and the police was showing the video ,i give my details, they take all my details. the price of watch was 14.99 pounds and they said that i am gonna pay a fine and ban from tk maxx everywhere. what do you believe that i must do ?! i don't want to have a record for my crb and police told me under act 3 or something like this they have the legal right the protect them and use force, they scream on me and i was spealing louder, i said if they have something with me let go outside and settle down but as long they live my girlfriend, because they used force and also she have a surgery on her and she is very sensitive
  14. READ MORE HERE: https://www.gov.uk/government/publications/support-within-the-royal-air-force-community-for-those-affected-by-domestic-abuse
  15. I joined this group about a year ago when a musical instrument I sent via Parcel Force arrived damaged. I knew that I could not get enhanced insurance on the item as it is on their list of prohibitive items for extra insurance coverage. But it is covered by the basic £100. (So I took the chance as I have posted this item to myself over a dozen times in the past with no issues as it was always well wrapped.) However, the response I got this time when things went wrong was terrible to say the least. I do admit I made my claim outside of the 60 days time limit (as I travel abroad alot), but I had hoped there would be some 'good will' for being a regular customer. No such luck! I took it to the top and still got a no. I did ask them for figures relating to claims in the past year under FOI, but as they point out since 2013 they were no longer a government owned business and it no longer relates to them! If anyone has any idea of the success rate (or not!) or claims, better post them here!
  16. Hi all, I'm here to see if anyone can guide me on my rights please as sofa I've just found a brick wall to bang my head against! I sold a guitar on eBay and sent it via Parcel Force 48 fully compensated at slightly more than the guitar was valued for peace of mind to the buyer. The guitar was in a thick padded Gibson case (soft type) that lots of inbuilt protection. The guitar was then put in a slightly modified cardboard guitar box and wrapped tightly so there was no room for it to move around. The box was then covered top to bottom and around the middle in white and red fragile tape so it could be seen from all directions. When I took the box to my local post office the post master said "due to security reasons can you please tell me whats in the box?". I told him it was a guitar and he laughed and said he knew due to the shape. I paid £16 for the postage using Parcel Forces 48 service and an additional £15.00 in compensation to insure it up to £600. The buyer contacted me a couple of days later and said the guitar had snapped where the neck meets the body and sent me pictures. I immediate filed a claim with PF, sent proof of postage, compensation, pictures of the guitar before and after and proof of value. Two days later I got a email back saying it was rejected as the packing was insufficient. I challenged this as I had sent many guitars before using the same packing method and asked for evidence. They showed me a guide to packing a guitar and how they "recommend" there method but couldn't show me anything in there terms of carriage that a claim would be rejected for not following there "recommendation". I was then passed to an manager who then pointed out that there was a problem. Under PF terms of carriage it states that items excluded from the enhanced compensation include all musical instruments. So it turns out that they have said they have turned my claim down due to insufficient packing however they doing even offer insurance (compensation) for any musical instrument never mind how its been packaged. PF told me that its the PO fault as they should know the PF terms and that they do not offer enhanced compo therefor should not of sold it and made me aware. They said that the PO have a system called Horizon and that clearly gives them clear details on what can and can not be covered. Taken from there website - Musical instruments - no enhanced compensation is available. I went back to my local PO where I shipped the guitar and the post master became immediately defensive when I said PF will not and do not offer enhanced cover on any musical instrument, He claimed he did not know this and he was accepting no liability. He later phoned me maintaining he was not liable but admitted after looking through terms of carriage found the exclusion for musical instruments but referred me back to PF. So this is where I am. I believe that I was miss sold compensation by the post master at my local post office. He knew it was a musical instrument, he asked me what it was. He still sold me the compensation even though they did not offer it for what I was shipping. If he pointed this out I would never of sent it and told the buyer to collect in person, cancel or take it at his own risk. PF have offered me the £15 I paid in compensation back but I have refused this as I believe that if I accepted it I would close this situation and have no comeback. So where do you recommend I go next? Has PF been neglectful in handling my Parcel or have I been miss sold by the post office? I am currently £500 down and can't really afford to be. I have an appointment at the local CAB office but this isn't for a couple of weeks due to them being busy and my work commitments. Any advice would be greatly appreciated. James
  17. Hey there I was wondering about this for some time. If a debt is sold on to another company does that debt have to be paid? I am presently trying to claim back PPI from a loan I took out some years ago. The short story is that I bought a house and then purchased british gas boiler insurance on their initial visit they conned me into getting a new boiler installed. We could not afford to buy one they offered a loan but I was refused because I was medically retired due to an injury and my only income was a pension and benefits. The BG guy then tried another company in my wife's name and even though she had no income as she was caring for me she got the all clear and her income was what I got lol. Didn't make sense but hey we got the loan The trouble was that we had to agree to pay PPI otherwise we would not get the loan so we were misold the PPI. After a short time we got ourselves into a lot of debt and could not pay this loan. We were eventually taken to County Court and a CCJ was issued against my wife (loan was only in her name). We could not keep up payments so along with bailiffs etc it ended up as a Charging order against our property. A few years later we moved home and the debt was paid in full. That is the background story lol. My wife made a complaint to British Gas about the PPI but we had no information as we didn't have a clue and stress was through the roof etc etc. We didn't keep records and kept burying our heads in the sand. The guy from BG who was investigating the claim wrote back to us saying that he contacted the loan company but they had no records so he could not proceed any further with the complaint ... . Right cop out!! I have since got a lot more information and have sent it to him so he should be able to do some digging. My question isn't about the PPI thing as that is ongoing and we were clearly misold it My question is that the debt was sold on to another company and we ended up paying them the full wack which was over £5,000. Was it lawful for a company that purchased a debt to make a charging order and make us pay the full amount?? Is there any way I can claim back the money I paid to the collection agency that bought the debt now that it has been paid in full. The company was Aktiv Kapital. I see that people are getting off paying debt to these companies so was wondering what the score is?? Thanx for any help in advance
  18. Hello all, can a CCJ be used to force a sale of a property? A relative of mine has just found out that Lowell have applied for a CCJ, it's for around £250. She has sent in the Acknowledgement of Service, but we aren't to sure what to do next. Can they apply for a charging order on her property? Thanks
  19. The Sheriff's are Coming was on the other day, a repeat I think, but not an episode I have seen. Visiting a husband and wife at night time over 6 grand, woman claiming she went bankrupt - the HCEO (not Bob or Paul this time) again attempted to force entry by pushing past the woman who was stood in front of her door, surely this is not remotetly legal? If you have to grab, or try and push someone out the way to get through a door, then that is not peaceful entry!!! Sad thing is, they know so well they aren't going to be punished for breaking the law, not even assaulting debtors that they are happy to do this even on camera! I have to say, these shows are really making it look like HCEO's have become as dodgy and corrupt as normal EA's, a sad decline.
  20. A ban on smoking in cars comes into effect just as people are being urged to quit smoking for Stoptober. From 1 October 2015, it will be illegal to smoke in a car (or other vehicles) with anyone under 18 present. The law is changing to protect children and young people from the dangers of secondhand smoke. This is a very silly and unthought out law. A person can smoke in public at the age of 16, so what if a person of 16 or 17 in that car is a smoker and decides to light up. Does it mean the kids can smoke but the driver/parents can't or will they be breaking the law as well. These do-gooders are really thick some times.
  21. Hi everyone, My wife have accounts with Barcalys which were opened in the early 90s. Apart from recent statements, she does not have any other paper works. There are definitely charges and possibly PPI but we need proof before making any complaint. We made a SAR request in Feb 2015 and a LBA went out three weeks ago (April) giving them 7 days but they have not bothered to respond at all yet both letters were signed for. I now want to get a court order for them to comply but I am not sure of how to go about. Which form do I use? How much will it cost? Any example/template of such an order? Any other thing I should know or add to the order? Any help is welcome. Thanks
  22. Can enforcement agents force entry? For Council tax and business rate debts? I was under the impression that was a no unless invited in, was I wrong on that? More questions and a copy and paste from a site shortly, after receiving an answer or two ok?
  23. I have learnt the it is the governments intention to allow learndirect ( a profit making college that sells educational courses) to force the unemployed to take its courses and pay for them out of their benefits whether they want to take them or not or lose their entire benefits. I don't know about you but this looks to me like a massive failure of human rights and makes a mockery of any pretence that consumers are protected in the UK. How can they do this? This is like me arriving at your door to tell you that unless you buY this CAR/TV FROM ME YOU WILL LOSE YOUR INCOME BY LAW!
  24. Hi All, I have a bit of a complicated issue....at least on the face of it is seems it! My wife moved out of her then marital home some 9 years ago on the advice of the domestic violence unit and for a little while she continued to pay the mortgage while her soon to be ex stayed in the house. After a while we bought a house together (due to her on-going issues with her ex I bought the house in my name) and we couldn't afford to pay both mortgages so concentrated on our new family home assuming that the old house would soon be re-possessed (even though there is a good amount of equity in it my wife wanted to move on and forget the past). Move on about 8 years and her unemployed ex is still in the house, the mortgage was being paid by the council (the interest); however recently he has been in court for benefit fraud and now they have stopped paying as we have started receiving letters asking for payment. We now want to re-mortgage our home to secure a better deal and want to make a joint application which is being hampered by fact that my wife's credit rating is rock bottom and this other mortgage remains a chain around her neck. What I am after is some advice on the best way to proceed here; ideally we want to force sale and realise any equity from the property if at all possible but would be happy just to get rid of the house so she can sort her credit out and get into a position whereby we can make a joint application on a new mortgage. After so many years its crazy we are still in this position but we just don't have the £8,000 we have been quoted in legal fees to get this resolved so anything I can do myself I will do to save costs. Any advice greatly appreciated.
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