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    • I just got the same response from Hermes below. What would you advise I do next?    "I am sorry you have had to contact us regarding the delivery of your parcel.    I have looked into your concerns and understand that as as you selected the maximum compensation level of £300 Hermes cannot exceed this amount as per your contract.   So that we can process this as quickly as possible for you, we kindly request that you send us some details:   - your bank sort code - your bank account number (the short one, not the long card number) - your name as it appears on your bank card   Once we have received the above information, we will send you a further email once the payment has been processed. This can take up to 5 working days to reach you   Please accept my apologies for the frustration this has caused you.       If you require any further assistance, please don’t hesitate to contact us."  
    • Hi had a call today and the number is associated with Moneyboat why would they be calling this close to the court hearing? Any ideas welcomed    Thanks G
    • Hello   In my view  a self imposed bankruptcy is not necessary.   Your friend just has to accept the situation he is in and set things up to deal with it.   I think that by following a plan off filing everything, saying nothing and letting the Creditors do all the work he will come out of it in the end.   He may need to get his girlfriend on board but once he understands what these creditors can (and cannot do) it may well become less of a worry and more of a sport!   In post #8 you asked for the stages of collection so based on my experience since 2006 I will give you the various stages and make some other comments:   You fail to meet a payment date:- the creditor writes a reminder letter You ignore the letter, they send another letter and possibly emails, SMS and phone calls, all of which are ignored. The cycle continues for a period of time with a number of letters arriving from the creditor. Sometimes the case will be handed off to a Debt collector for a time which is nothing more than a company set up to make phone calls and write automatic letters. They have no power and can be ignored. At some point the creditor will issue a Default notice. This is legally important to the Creditor (but not necessarily important to your friend as it is required by the consumer credit act before any other action is taken. It will give a date by which you must do something usually to pay the arrears. If you don’t pay the arrears then you are in Default and they can go to the next stage. After a period of some months account closure usually follows. It is unlikely the Creditor will take legal action. After a period of time where you continue to get periodic letters and communications from various debt collectors the debt is sold typically for 10p to 15p in the £ to a Debt buyer. This might take six months or as much as a couple of years. You receive a “goodbye” letter from the creditor which says it has sold the debt to the buyer. You receive a “hullo” letter from the debt buyer which tells you that I now owns the debt. Sometimes the above two are in the same envelope.   The debt buyer will start out very friendly but will then get more aggressive. Even at this stage it is best to ignore them. They will sometimes offer you an amount less than the full value to get a quick profit from their purchase. You might want to take advantage of it but I take the view that if they had a strong case to get everything why would they settle for less? They know they have a weak claim when you get this kind of letter. At some point they will do an assessment on you to decide if it is worth taking court action. The bigger the debt the more likely it is, also if you are seen to have assets such as a property or shares. They will start by instructing a solicitor to send a Letter Before Action. This states what they think you owe them and gives you a set amount of time to pay it or respond with payment proposals. It may be wise to respond at this point but best to refer it to this forum for proper advice on what to do. After you fail to respond to the above they will pay a court fee and issue a County court Claim. You will receive a claim pack from the court with a number of sheets of paper; the claim itself, an acknowledgment of service, a defence form. The claim is usually created on line with the solicitor typing in the details. The Court then automatically prints and sends the claim pack. As a result it will not have any supporting documents such as original agreements, statements or anything else. IMPORTANT: this is the first document you absolutely must respond to. First thing to do is find the paper that says acknowledgment of service and send it back. This gives you 28 days to respond instead of 14. If you don't do this or immediately defend then after 14 days you will automatically loose. After this you are into the world of defending the claim which is usually very defend-able as the Solicitor has in all likelihood not provided you with any documents. This is because neither he nor his client have any and they will have to go back to the original lender to get any and very likely they will not get them. (In my own experience I helped a friend by writing to ten creditors asking for copies of the original agreement and not one came up with anything). It is possible you could loose the case in which case you still owe the money and are not much worse of than before because the creditor still has to collect it and without assets it will take a long time to pay off.   Overall, though I don’t think it is a great idea to be in debt, given the extent to which your friend is buried my advice is to consider the old adage “If you owe a tenner it is your problem, if you owe Ten thousand it is their problem”.   To that extent I would follow this plan:   Save all correspondence including the envelopes they arrived in. Do it in chronological order and have separate folders for each debt. As a rule, ignore everything unless it comes from a solicitor or the Court. I cannot stress this enough. Be a black hole into which letters, emails, texts and phone calls disappear, never to be answered, replied to or spoken to in any way. Some people just cannot shut up! Make sure your friend does! The exception is if your friend changes address in which case write to every creditor (or debt buyer that has bought the debt) and advise of change of address WITHOUT signing the letter as such, just type the name at the bottom.   (This is so they don't send court documents to the old address). In most if not all cases that will be it. Just keep filing until six years have passed or five in Scotland. This is because after that time the debt becomes statute barred and the courts will not consider it as it has become too old. (The statue barred date begins 14 days after the date of the Default notice mentioned above and six years after that it is all over for court action). In one or two cases a Court Claim may be made in which case defend it which is a whole other ball game but basically ask them for proof of the debt which they very likely cannot provide, if they can provide challenge it's enforceability,  mostly it's game over for them.   Your friend can start to get on with his life if he follows this plan and learns to accept that these debts are not necessarily the millstone he thinks. He can live within his means and have a good and fun life which is what he deserves. The original creditors have accepted some money from the debt buyer so presumably are happy and the debt buyer will make a profit across the whole bunch of debts he bought even if he makes nothing from your friend so he is happy. If nether of them are happy then they should not have got themselves into the situation in the first place.   As always I finish my comments by saying I am not a legal professional just a guy that got into to trouble in 2006 and learned a lot of this stuff along the way.   I welcome any comments from other CAGers, particularly if they spot any mistakes.
    • There were 1,348 company insolvencies recorded in August 2021 in England and Wales, according to the latest figures published by the Insolvency ServiceView the full article
    • Do not appeal. Please can you complete the questions below. If their NTK is wrong they cannot transfer the liability to pay from the driver to the keeper. If they do not know the name of the driver then they are stuck. No-one to claim the money from. In any event most of the roads on the airport  either come under the Road Traffic Act or the airport Byelaws. if they do then not even the driver is liable since Apcoa has no right to issue tickets for either of those type of roads. But they still do and people still pay them.     
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Need some dog advice.


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Hi all.

 

Need advise on this and cant find a correct place.

 

We have 2 dogs. The eldest is 6 and a german shepard we have had him 2 years and the youngest is about 18 mths old and we have had him since he was about 6 weeks.

 

Now we have started to develop a problem which started small but is now happening quite a lot.

 

The German SHepard keeps attack the Jack Russel. this has been happening quite a bit and most of the time German shepard does not hurt Jack russel but he has bit him in the past couple of days, He has also taken to Weeing on him, We no it cat be the Jack russel weeing on himself as it is all over his back and head.

 

Neither dogs have had the snip and we are looking into that. We have noticed tho that there is no reason for attack most of the time. since the begin of the month german shepard has attacked because Jack russel has gone for jack russels food or water or just walked by.

 

Any advise would be appreciated.

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yes both dogs are male and yes there are other males in the house.

 

i am the only female.

 

The cat is male and i have my partner and our 4 year old son and my brother in the household aswell

 

Both the male dogs ball are still in place. The cats are not tho.

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Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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I suspect that your GSD is attempting to establish dominance, certainly over the Jack Russell.

 

If you have no intention of breeding from them I'd definitely recommend having them both castrated. It will still take a little while after the op for the situation to normalise because hormone levels need to fall.

 

As the GSD was in the pack first he feels dominant to the incomer so I'd also recommend maintaining his position by feeding him first etc while maintaining the human's position as pack leaders by feeding him after you have all eaten.

 

The situation has probably arisen because the Jack Russell is becoming sexually mature and it's a contest for position as alpha male.

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I agree as well. It certainly sounds like your GSD is wanting to be Alpha male and feels threatened by the presence of another mature dog so he's exerting his dominance over the little fella.

 

It would be worth having a chat with your vet about having him castrated but don't expect miracles. It does take time for them to settle down afterwards but it is normally very effective. As Robdblynd said, it may be best having them both "done" as the last thing you want is the Jack Russell trying to become dominant.

 

As a word of caution, and this is not being sensationalist in any way, just be aware that if your GSD feels that his position is being threatened he MAY respond to the slightest provocation. I had my 4 year old pedigree stud dog castrated a year ago when he started to challenge me, never my wife - hence the question about other males in the house. Be very careful about leaving your 4 year old alone with the dog. They are intelligent but indescriminate animals so please don't take any risks. A simple thing like taking a toy from the dog MAY provoke him to attack - it's not a fault with the dog, it's what his instinct tells him to do. At the moment it is probably unlikely that he would take on your son but I would be interested to know how he behaves towards your partner and your brother.

 

Incidentally, my now less than pedigree dog is the perfect companion and responds to me almost without argument.

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I think all the above is very good advice I sugest untill things settle you may need to get a crate for your JR to give him somewhere wherr he can take refuge an. Think this a male hormone problem a crate is not cruel it will give a save place of refuge for the samlle dog

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he is fine with us all. I cant really do as much with him due to him being stronger than me but l do what l can. The only real problem l have with him is his strength as when he pulls he pulls and i have been over but he is normally walked by my partner or brother as they are stronger than me. I have injured my should before threw walking him as he pulled me badly when he saw a cat l know this is normal behaviour tho as the JR who is not so strong does pull when he sees a cat and if you are not expecting it then it is a shock.

 

I have got him on voice and lead commands. It took a while but l now understand why as he was abused a bit by the female owner that had him last.

 

he did take a while to respond to me and do things like eat food l had put down and a few other things like when called or when he was outside to come in. He would never take a treat from me and whenever l touched him he wold always back away and think l was going to hurt him. he is fine with me now thought and it took about 6 mths for him to fully trust me but l was told after i found this out about 15 minutes ago that is normal behaviour.

 

He does not have toys as he does not play with them he just left them sitting there. TBH l think that they are still in the garden gathering mould.

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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I wouldn't agree with a crate even though he is a small dog. Restricting his movement will only serve to make him agressive.

 

Dogs hate surprises so one thing you might want to try while you wait to have him castrated is a water pistol. GSD p*sses on Jack Russell, you p*ss on him (not literally). It works. Better still, if he's around get your partner to do it but DEFINITELY NOT YOUR SON as he is smaller than the GSD and doesn't smell of testosterone

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Chrissi, my beast is also too strong for me if he wanted to, although he tends to obey, but I have bought one of those harnesses that holds him across the chest and legs, and it makes all the difference compared to when he is on ordinary collar. DH still uses the normal one, but with my bad back, I just couldn't take the risk that he would decide to try and drag me if he took the notion in his head. A tenner well spent, IMO.

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A crate used in a responsible way can give a small dog or any dog a sense of where he /she can go that is there own I would NEVER recomend shutting any dog up for any lenght of time But it gives a dog a place which is

theres where they can go where other dogs in the house cannot get, it does not make them aggresive if it is used properly if on the otherhand you shut them in all the time it would make them agressive the dog needs to know that its there place where another dog cannot get at them ,As for a harness its great

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A Halti or Gentle Leader head collar also work very well because they work to turn the dog's head towards you as they pull, thus altering their focus. It is also almost impossibole for a dog wearing such a head collar to pull as there is no strength in the muzzle, as opposed to a harness or normal collar, where they can use their body weight against you.

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I was going to mention Halti but my PC fell over and I couldn't find a non commercial link when I did get it back.

 

I would certainly recommend the Halti as it doesn't pull on the dog and actually requires no physical strength to control the dog, the Halti does it all.

 

The problem is getting the damn thing on the dog in the first place

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we brought him a harness and he broke it so we decided on not buying another one. I dont really walk him i have the JR more we also walk them late and live in a safe area so half the time they are no really on a lead now. Were we walk them is down a alley way and round the corner then we hit a big field so we know it is safe to not lead them.

 

One problem a friend thought of was is the GS sexually frustrated. He has not had any since we have had him and l dont know if he got any b4. JR has not had any either could this be part of the problem?

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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Just an idea. I dont know if any or in season but l do no he might like to have a go.

 

He tried it on once with a neighbours dog and she did not like it. it was a huskey cross staffe

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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well her parents were not the same breed and she ended up with a alsation and the puppys look a bit strange.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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If there is no in season bitch around all he will think about is being top dog and taking on all other males around him.

 

I was told (by some-one studying to be a vet) that dogs often treat human females in the same way as female dogs. In both instances, they try to attract the female who they see as in season. The dog leaves "presents" in the form of an "aromatic" wee scent because it assumes you will like it! Check out the occurances in line with your own monthly cycle.

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that is not going to be part of it. This only started really october and l am pregnant of 5 mths so l dont think my periods would effect GSD

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Chrissi try a dogmatic to walk him, theyre like horse bridles, the control is phenominal :)

i have two dane sized crates here if you can get one picked up you are more than welcome, and they do appreciate them as they see them as "their space" ;)

honey x

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erm where would l get one of those from?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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