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Found 13 results

  1. Hi all, I recently sent a parcel (a glass splashback) via Hermes. I stated the value of the splashback (£44.99) when purchasing the courier service (which cost £7.99), but took the minimum insurance of up to £20. I checked before sending and their help pages stated: I was prepared to take the risk of the package being damaged as it was reinforced glass, and packaged well. Hermes lost the parcel, however are refusing to refund postage or offer any compensation due to the following clause elsewhere in their T+Cs: I can understand Hermes not compensating for damage to an item which they say is excluded, however it seems very unfair that they are not accepting responsibility for an item lost by their network as opposed to damaged in transit, for which the contents of the parcel is irrelevant! Do I have an argument for full (£44.99+£7.99) or partial compensation (£20) here? What would be the next best steps? Thank you in advance!
  2. Hi I have received a Magistrates Liability Order for 2 people who do not live at my address and the debt relates to a different address they have advised they will be taking goods in the next few days !!! Help I cannot get any advice
  3. 6.30 am - knock at door. Look through window. Evident bailiff. 6.35am - once he was off my front garden went out and spoke to him. Seeking my ex partner from August 2016. 6.45am - provided driving licence from inside house, my car was clamped. 6.50am - my car was now clamped for a fine that had nothing to do with me and not my name on the court warrant. 6.55am - I remained calm and was told on presenting my identification to take my ugly mug back inside 8.30 - phoned authority who's parking services team advised me no discussion until full payment is made I said I am not xxx xxx their response..... your card number is 9.00 - phoned courts to file a complaint advised speak to authority. 9.10-11.30am spoke to Andrew James who refused to speak to me as I was not named on the warrant yet they had my car clamped. Spoke to authority who failed to take action swiftly. 12.30 N16a injunction application filed at court and served on authority and Andrew James 1.10pm the clamp was being removed followed by a grovelling telephone call from the parking services director in the authority. Advice needed for next steps for this unlawful action and claiming lost working hours and damages for public embarrassment
  4. I have seperated from my partner ex partner just over a year ago and some how I'd allowed her too put all of our debts into my name. Shock horror when we split up she stopped paying for them and I today had a bailiff call from Andrew jones enforcement. They've apparently sent out 6/7 letters too my previous address but I have only received one at this address. today he visited and has told my partner if I don't phone him within the hour he is going too be back too arrest me. Firstly the debt is £410 from council tax. The original amount owed was £80. I have had bailiffs send back debts previously due too the fact I have ADHD and severely struggle too deal with such people. I accept the debt but am struggling financially as I have recently been through court to gain custody of my eldest child [removed - dx]. However I have not yet been able to start claiming for her child tax credits etc. I have sold my car, tv everything worth anything except my phone during this time. Everything in the house is owned by my partner. Firstly can the bailiff arrest me ? Secondly am I classed as a vulnerable person with ADHD as it is classed as a mental health disorder ? What's the best plan of action from here he is due back shortly an I have no idea what to do ? J
  5. James Frazer-Mann - Elite Loans, Loans Direct etc guilty of hacking this forum. Sentencing to take place 21st November James Frazer-Mann, director of Elite Loans payday loan company put out a contract with a professional hacker to mount an attack on this forum in February 2015 in order to bring us down. James Frazer-Mann’s payments to the hacker came to light as part of an FBI investigation into the Liberty Reserve payment system in the USA and which was eventually closed down by them http://www.bbc.com/news/technology-36247289. Information was passed on to the police Cyber Crime unit in Swansea which carried out their own investigations and eventually traced and arrested James Frazer-Mann. James Frazer-Mann was finally arraigned before Cardiff Crown Court this morning where he pleaded guilty to 5 of 6 charges as part of a negotiated deal. He will now appear to be sentenced on 21 November. This is likely to be reported in some of the national press and also on the BBC. Not that the payday loan industry needed its reputation any lower than it already is, but clearly, James Frazer-Mann has made his own personal contribution. http://www.consumeractiongroup.co.uk...day-Loan-Fraud +++++++++++++++++++++++++ +++++++++++++++++++++++++ ++++++ You want to get ahead in the consumer survival game? This digital book could help you https://www.amazon.co.uk/dp/B01J6MQZ...I29FNHEXR5808R
  6. I'm not sure if I have a case? I was a first time buyer if that helps to say in my case? Just looking through my files, the first year (aug 2001) of my mortgage for PPI all I can find is the Halifax mortgage letter saying thank you for applying for a mortgage "As the loan amount you require exceeds our basic lending limit it is necessary for us to arrange additional mortgage security. you will be advised of the fee in due course. Please note that if you are borrowing less than 90% of the lower of the valuation or purchase price we are currently paying this premium." Then on the mortgage offer letter At the end of the letter it says (oct 2001) SPECIAL NOTE We strongly advise you to consider arranging insurance cover to protect your ability to keep up your mortgage repayments if you become ill, lose your job, etc. You can obtain details of such mortgage repayments insurance from from any of our branches or your financial adviser... Then a few weeks later the halifax letter of acceptance for my mortgage says an additional mortgage security fee of £419 is also due. We will pay this fee. (explaining that they are lending me more than they normally would and additional mortgage security is required) But exactly one year after my mortgage I started paying PPI monthly for the next 12 years to St James Place. So who do I apply to and how do I explain the first year? Very confusing. By the end of the first year I must have believed I needed it but £419 per year is extortion, so I must have shopped around. I've never been in debt, ill, lost job or took out life insurance. any advice gratefully accepted thanks
  7. Ok here is the deal. Around Feb 14 - We had a parking fine in Swansea council car park. Appealed to the council, got rejected. Went to the court (TEC) and the amount reached £82. Andrew James got involved, TEC helpline suggested I do an out of time application. Somebody from Andrew James visited the business premises to inform us that we need to pay £392. He went away that time without much hassle. Did out of time application but the appeal was rejected. Amount o/s at this time - £82 I spoke with Swansea Council who didn't accept the payment and told that I deal with Andrew James. I took a chance and posted a cheque for £82 to the Swansea council with Parking Ticket ref on the back of the cheque - Jan 15. Council banked the cheque and it cleared. Somebody from Andrew James came again to the business premises (owned and operated by a Limited Company) in Feb 15 to pay or they will take goods. Informed that it has been dealt with the council. He went away. 17 March 15 - Two bailiff's arrived at the business premises and didn't leave. Police were called but didn't do anything. Bailiff's started removing Ltd co's good and told us that they are aware that we have paid council the £82.00 but must pay another £420.00 there and then in cash or they will take half the shop away. I didn't agree and they started moving the items in front of many customers. To save embarrassment, we took cash from the till (£420.00) and they took the cash, gave the receipt, said thanks to the police for not doing anything and went away. Same day, I MCOL'd a £420 + court fee on Andrew James Limited and the claimant was my Limited Co. A few days ago their solicitors wrote to me to advise me that they shall be their legal rep in the court and they need particulars of claim. They also requested to know why the limited company has started the claim and not the "individual" on the TEC warrant of control. Any advise would be kind.
  8. I have been visited twice by Andrew James Enforcement Ltd in Swansea due to an outstanding council tax bill. I do not deny my owing and on the visit we met, I was courteous and polite (as was he). However on both counts, it is my belief that they were applying more charges than lawful, on three walking possession orders, the same items were listed but charging multiple times; this has been challenged and won many times it seems. One levy was frivolous but despite my providing evidence and precedent in a complaint to the council, they simply withdrew Andrew James Enforcement Ltd's involvement in my case and did nothing to suggest they've done anything in response. On their second visit I wasn't in, but they did exactly the same thing again. Again on complaint, Swansea council brought my debt back to them without admitting nor denying any wrongdoing on the part of Andrew James Enforcement. I am adamant that they have broken a few rules both times and would like to see if it's isolated and if not prove that it is wrong higher up. After some investigation, it seems as if my 2 cases aren't the only ones and I would like anybody else with Andrew James Enforcement Ltd to come forward where they feel the rules have been broken. DO NOT SEND ME PERSONAL DETAILS! All I'm interested in is a list of people to potentially discuss this organisation with because if I discover a great number of cases, I would like to consider taking this further. I am not a lawyer, nor a solicitor, I'm simply a businessman who fell on hard times. If this did go further, appropriate legal advice and representation will naturally be sought. So if Andrew James Enforcement Ltd have charged excessive fees, made frivolous levies, charged multiple times for one visit on separate walking possession orders, please let me know either below or via pm. If you believe they have done something criminal, please drop me a message. The only prerequisite is that you have some evidence of their visit like receipts, walking possession orders etc (DO NOT SEND ME THESE AT THIS TIME! I DON'T HAVE NOR WANT SECURE DATA STORAGE) Continue to pay any agreed payments and charges and continue taking responsibility for your debts in whatever way is appropriate. This is simply a hunch that I would like to investigate to see if my case is isolated or if Andrew James Enforcement Ltd is actually committing offences on a regular basis. If they are, we'll discuss as a group what the options are in the presence of experts because I don't like the idea of them screwing over people when they are at their most vulnerable just for extra profits. If indeed that is the case, we've yet to find out obviously.
  9. My favourite musician of all times a real gentleman. Saw many of his concerts when he visited the UK. No1 Forum
  10. Hi there, Andrew James are enforcing for a parking ticket which was from March 2013. The car was sold not long after, and I also moved address. Andrew James state they have sent letters and made visits to the former address to get the ticket paid for. For some reason they have now identified one of my gf's work premises as my home and are enforcing the debt there threatening to remove goods for auction... I have nothing to do with either her business, nor the address in question. Also the car was never registered to the business or the address they are enforcing. I do not dispute owing £112 for the parking ticket, however the £340 of charges Andrew James have added by sending letters and bailiffs to addresses where I have not been present seems unfair. I have spoken to Andrew James and was told - Pay up or they will continue to enforce my gf's business.... I spoke to the Director of Transport at the local authority who has said he cannot do anything at all for me and suggested I pay the charges. Could someone please let me know their thoughts regarding this matter? I have tried the citizens advice on numerous occasions but can never seem to get through to them. Thanks
  11. Hi, We arrived home from work to find a distress notice: seizure of goods & inventor, posted through our door inside a white envelope that looked like it had been hand delivered. There are charges for two previous visits, but this is the first we have heard from them!! My husbands car was parked on driveway and they have written details of car on form. When my husband phoned Andrew James office, they demanded full payment of arrears to which my husband explained was impossible to pay. They were rude to him and then put phone down on him. I have phoned them today asking for details in writing of previous visits and name of bailiff who supposedly attended. They refused to give me any information and told me to email them and then they put the phone down on me. There is no email address on the form! I phoned the council and asked them if they would take the debt back in to their administration, but they said no and that i had to deal with the bailiffs. I told them the bailiffs have unlawfully charged me and were refusing to speak to me, only to tell us to pay in full or they would come and collect car in 5 days. But still the council will not help us in anyway. We are not refusing to pay the debt but asked if we could come to a reasonable weekly amount. my husband is feeling very suicidal and i am very scared.
  12. Does anyone want to share their issues with Brian James Furnishings in Cannock, Staffordshire? Tested the water at the store last June and bought a great chair and was very pleased with customer service. I know the store had bad press with the ex-Director banned from setting up a company for a few years so I figured I would risk it for a biscuit. Bought a sofa bed in January this year and I'm now in dispute with the company. Occasional piece of furniture not sat on often and the seat cushions have proved to be unsupportive and give me a bad back because they sink into the frame. When tested in shop was great and I went back on 2 separate occasions and tried it for over 30 minutes each time. This sofa seems to lack the support of the one in the showroom. Anyway keeping a long story short Brian James sent out their delivery guy (who they call the inspector) and after a brief inspection he agreed with me there was a lot of give in the cushions. Turns out when he got back to the office his story had changed. He couldn't give me anything in writing when asked at the time. Brian James staff really defensive from day one of complaint and appalling customer service. Had to beg for the first inspection to get some help with the cushions. Anyway, they insisted on doing a 2nd inspection after virtually calling me a liar and the sales manager stood in my living room and told me that "this sofa bed is not made to be comfortable". I take this as an admission the sofa is not fit for its purpose and have written letters to the Director requesting a refund. Also the manager, took 10 minutes (much to his embarrassment) to fix the mechanical bed frame as it failed to spring out. Possibly caused by the weight of sitting on the sofa. It does make a fair old squeak when you sit on it and get up. The sales manager told me springs are designed to squeak and should be expected in all furniture bought from their store. I' m also checking out a possible section 75 claim with credit card provider at the moment. Has anyone else had dodgy after sales care with Brian James and wants to get in touch? Maybe together we can be stronger?
  13. Hi I am after some advice! My sister has had a bit of trouble paying her council tax and it appears that the arrears was sent to Andrew James Enforcement Limited who are a bailiff. She has not received any communication from this company until she had a knock on the door yesterday. She wasn't at home at the time, and they posted a red removal notice through her door. The notice says that they had attended to Remove her goods and take them to auction. The amount due on the notice is £367. Are the bailiffs allowed to issue a red final notice without prior communication? I have spoken to the council today on her behalf, who have confirmed that the initial arrears was only for £153. I have paid this off directly with the council. Does this now mean that the Bailiff are no longer entitled to remove goods from the house? I don't know what to do now with this Bailiff company!! I assume that she will only owe them the difference?
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