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    • whitelist - the same with mine....the battery had a mind of its own. i bought it for my Son...he'd shut it down and it would be completely off but the power light would either stay on or flash...also it wouldnt start properly, had cmos errors on boot and other stuff.   i bought it through HP store on ebay ..brand new. after 6 days of receipt i recieced an email from HP asking if i was happy...i returned an email saying no and that i want to send it back as it was faulty (basically the email served as a reminder for me to leave them good feedback lol...not as a geniune enquiry to actually make sure i was happy with as they didnt reolve the issue when i was not) after trying to sort it for a couple of months with HP not replying, not offering a solution etc i finally got passed tech support who confirmed it was faulty. i then had to return it to their factory. this is where its gets beyond worse...waited 3 times for parcelforce to collect - they didnt. in the end HP sent me a label which i had to take to the post office - not good as im disabled with a mobility disability. then they asked for my bank account number to issue the refund. they hardly ever replied to my emails and it took over a month and a half to refund me once they had received the laptop back. no explanation, no progress emails, no updates. i kept emailing them on a daily basis as no one would reply to my emails through the website, forum, internal email addresses and even phoned 3 different departments who basically had no idea what to do or what was going on and did not help...they couldnt even tell me when the refund would be issued, let alone why it hadnt been done already. on the forums theres other customers who've had to wait 6 weeks , 2 months , over 2 months etc...it seems as though HP like to with hold peoples money to earn interest on the money in their account. i spents days phoning and emailing them - even sent a recorded letter. at the begining i phoned citizens advice and they said i am entitled to put back into the same financial position as before i lost the out of pocket expenses ie: compensation for my time and recorded letter sent etc. ive started a martin lewis 'resolver' case with them and basically in a snotty reply they told me im not entitled to compensation which is contradictory to what citizens advice told me. i was just wondering if theres any .gov website or law/legislation that i could reply with and say "no your wrong - please compensate me"
    • LBC is here. Complete with a note showing a phantom payment. What to do next?
    • I suppose it doesn't make a massive amount of difference as Kev has never had the guts to do court - well at least not yet - but to me the number of cards played still needs to be reduced.  Given the OP has already referred to the "very busy and overflowing car park" in the appeal I'd refer to that and tell Kev to go and look up case no.3JD08399.
    • thanks ftmdave again for the help with letter. thanks lookinforinfo for the info, im glad i found this forum as its a great comfort and relief to know ive dont the right thing as i wasnt too sure at first. and good to know what excel are really like.   thanks guys.
    • Hello!  First timer on here, discovered this amazing site and threads on debt issues only yesterday. After never having a bad debt in my life, almost 2.5 years ago I was scammed by my now-ex partner who calculatingly manipulated me into taking out a bounceback loan, 2 personal loans and a credit card.  He took all the money via ruthless deception, every penny, as well as the car (bought with unsecured personal loan) and all my furniture, personal belongings and even most of my clothes as well.  I'd packed up my life to move to another part of the country with him, only to discover he'd scammed me and been clever about it, so he directed the removal truck to a location unknown to me (never saw my stuff again!), and car is registered into someone else's name.  All this happened abroad.  I have won a criminal case against him abroad and he has been given a custodial sentence (which he is appealing while on bail), but it is difficult to get financial reparation so I am left with over £40k of debt to my name in the UK.    I am in my mid-50s, and have no assets whatsoever, I still live abroad (renting) and cannot afford to return to live in the UK due to the debts and decreasing income. It's been devastating and I've been struggling enormously since it happened (Jan 2022).  I have been suicidal at times. I was making combined loan/cc payments of £1300 monthly for over two years, but I'm self-employed (sole trader) and my UK-based small business has suffered 70% loss of income since Oct 2023 due to changes affecting government funding for the market I provide services to.  My income is commission-based, and has reduced to an average of £1200 per month. As I currently live abroad (outside EEU), I am not resident in the UK for tax purposes and haven't been for more than 3 years (my work is done remotely outside the UK, even though my clients are in the UK and payment is received into my UK bank account).  That means I am not entitled to an IVA or bankruptcy options.  My only option in terms of a debt repayment solution is a DMP. I maintain a UK correspondence address (my mother's home) and use this for my bank account, loans, credit cards etc.  I have only informed HSBC (bank acc) and one loan company that I moved abroad and that the UK address is only a correspondence address (been scared of potential consequences of informing them, even though I don't know what they could be or if there would be any). My worst fear is being taken to court, bankruptcy, etc, and my bank account and income being controlled and all surplus income above basic needs being taken etc, when I literally have almost nothing in life at this stage and desperately want to try to rebuild my life somehow and have some normality again.  Perhaps even move back to the UK if I can afford to. I've contacted all my creditors except cc (it's an HSBC card so am concerned it would affect my bank account with them.  I also bank abroad with HSBC and have global-linked accounts with them).  All interest has been stopped on my loans since April (period of 4 months on two loans, 6 months on bounceback loan with Pay As You Grow option agreed).  Continued so far to pay at least minimum payment on HSBC credit card.  I spoke to PayPlan yesterday and they've worked out a DMP paying £289.50 per month for 11 yrs 7 months, with annual reviews - not signed up to it yet, and concerned about customer reviews I've read about them demanding double payments a year or so down the line and not making payments to the creditors for long periods, etc.  Frightens the life out of me trusting them with the limited money I have - I don't want to go out of the frying pan into the fire in terms of stress that could last years, going by some of the horror story reviews. Considering the DIY DMP option, dealing directly with my creditors myself.  But not even sure going down the DMP route is the best option.  What do I gain from doing that? Sounds like I will still end up with an arrears or even a default record on my credit file even with a DMP, and I will be paying money I really need to help me get my life back on track, especially as I don't even have a full state pension entitlement - would be better used to pay missing years into that, surely, if I do have some surplus?  Either way, with or without a DMP, I won't be able to borrow so how would a bad credit score affect me anyway?  Seems like it could be best to allow them to go to default in the hope that it can all be SB-ed after 6 years. At this early stage, I know I will benefit from advice here about what route to go down and pros & cons/risks etc of: a) DMP with PayPlan b) DIY DMP c) Going down the default route in hope of debts being sold to DCA and not paying anything further with result that it is all SB-ed after 6 years. Struggling to pay off the loans for the next 11 years @ £289.50 seems daunting and such a long time, when I really need every penny to restart my life, regain some dignity, restore my mental health etc... I hope someone here help me make the right decision at this point, before I've committed to anything or have paid lots of money for years with little dent into the loans.... Details : HSBC Bounceback Loan (unsecured):  taken Dec 2021, original amount £9000, 2.5%.  Currently owe £4950.  Monthly payment:  £159.  Not missed any payments, but agreed PAYG option in April - full holiday for 6 mths, restart payments at £73.00 in October, term extended to 2030. TSB personal Loan (unsecured) - taken Aug 2021, original amount £23,000, 9.2%.  Monthly payment £475.  Currently owe £14,550.  Missed 2 payments. Interest stopped since April, no payments offered or made.  Situation to be reviewed prior to default - which will be after 4 missed payments). Sainsburys personal Loan (unsecured) - taken Jan 2022, original amount £25,000, 8.6%.  Monthly payment £514.  Currently owe £14000.  Missed 2 payments.  Interest stopped since April, made 1 payment of £50.00 on 7 May (offered to pay £50/month until situation reviewed prior to default - which will be after 4 missed payments). HSBC credit card APR 18.9% - £6900 currently owing, continuing to pay at least minimum payment (£180/month), not contacted them so far. Applied for Starling bank account, as advised by PayPlan to have a separate a/c from my HSBC one as they would have the right to take money from my account to pay off my HSBC cc debt if I stopped paying that. Sorry this is so long and a big thank you for reading down to the end!  I hope the detail helps with advising me on best course of action and possible/likely consequences.      
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Make ya mind up.

You staying or going?

 

If you are indecisive,, press 1,,,or 2,,, maybe 3......perhaps 4...or come back later and try again? :p

sorry just had to laugh at this :D:D:Dnice one stix xxkia
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I will just wait for their answer thanks

 

I think you will have a long wait for an answer in this thread .. try doing things in the right way as it states here .I would not just point them to this thread as you seem to have that many complaints about anything and everything in here .So you should itemise all your complaints , if you have THAT much time on your hands .

 

They always answer legitamate complaints :rolleyes:

 

Now why don't you stop just trying to stir up trouble and use the right procedure for all your gripes as it seems not one person who has posted in this thread has agreed with ANY of your moans .. oops sorry I mean complaints .

  • Haha 1

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Now why don't you stop just trying to stir up trouble and use the right procedure for all your gripes as it seems not one person who has posted in this thread has agreed with ANY of your moans .. oops sorry I mean complaints .

 

Ok Janet-M, do the rest of you follow procedure ;-)

 

 

So far i have been told to do everyone a favour and hold my breathe(now removed), called a plonker,a fool and a Moaner... now is that what you mean going through procedure by other members..says it all really, and based on the fact that different site members have watched this thread today and not one has stopped the abuse thrown at me,that was until i reported one post, i dont see a lot of point using the procedure

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Ok Janet-M, do the rest of you follow procedure ;-)

 

 

Actually yes I would follow procedure. I was actually thinking of using the same procedure to complain about a certain user that in my opinion is only trying to cause unrest :rolleyes:

 

As for calling you a moaner .. I think you will find I quickly apologised right after or do you only read the parts that suit your purpose .

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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As for calling you a moaner .. I think you will find I quickly apologised right after or do you only read the parts that suit your purpose .

 

Thanks for that Janet-M, and as any person would say, if you noticed a mistake before posting, there would have been no need to say sorry,merely remove the offending wording before submitting your reply.

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I aint removing mine, I truely believe that you and money are easily parted. :p That's my opinion and not my intention to break any site rules. You continue to try and find any possible way to justify your silly little argument.

 

Was it not you who asked for maturity earlier? and then went on to negate your own argument.

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Thanks for that Janet-M, and as any person would say, if you noticed a mistake before posting, there would have been no need to say sorry,merely remove the offending wording before submitting your reply.

Well that may be how you post ( but I doubt it by reading your posts ) but actually we are all different and have different ways of posting .Please do not think you may tell me how I should post or apologise to anyone as really it is nothing to do with you .

I apologised and that is clearly all you need to be concerned about.

 

I see by you still posting away in here that you are not taking the time to use the right procedure for all your moans ? .. oops there I go again making silly mistakes . sorry I meant complaints .

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Bye

 

To say a genuine goodbye it is usually obligatory to post a big farewell post then either wait a few days before coming back or quickly reregister as someone else .

 

This isn't of course in any rules just the done thing :D

 

somehow I don't think your goodbye is genuine as you have said it in quite a few posts .

 

A thank you for pointing you in the right direction would of been nice .:D

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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bringing the thread back on topic

 

In a psychiatrist's waiting room two patients are having a conversation. One says to the other, "Why are you here?"

The second answers, "I'm Napoleon, so the doctor told me to come here."

The first is curious and asks, "How do you know that you're Napoleon?"

The second responds, "God told me I was."

At this point, a patient on the other side of the room shouts, "NO I DIDN'T!" :D

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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How many psychiatrists does it take to change a light-bulb?

 

 

 

Only one........... but the light-bulb must really want to change.

 

========================================================

 

Two psychiatrists passing in a hospital corridor. The first Doc. says, "Hello, how are you?"

The second Doc. thinks, "Hmmm! I wonder what he meant by that?"

 

========================================================

 

Two psychiatrists passing in a hospital corridor. The first Doc. says, "Hello, you're fine. How am I?"

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Napoleon.

 

dads%20army.jpg

 

:D

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  • 1 year later...

What a really strange thread..:rolleyes:

 

Shame the original joke was edited out and most of the rubbish left in...

 

I thought it was really funny when I managed to find a quote of the original post that hadn't been edited.

 

Originally Posted by Bookworm

MENTAL HOSPITAL PHONE MENU

 

Hello and thank you for calling The StateMental Hospital.

 

Please select from the following options menu:

 

If you are obsessive-compulsive, press 1 repeatedly.

 

If you are co-dependent, please ask someone to press 2 for you.

 

If you have multiple personalities, press 3, 4, 5 and 6.

 

If you are paranoid, we know who you are and what you want; stay on the line so we can trace your call.

 

If you are delusional, press 7 and your call will be forwarded to the Mother Ship.

 

If you are schizophrenic, listen carefully and a little voice will tell you which number to press.

 

If you are manic-depressive, hang up.It doesn't matter which number you press, nothing will make you happy anyway.

 

If you are dyslexic, press 9-6-9-6.

 

If you are bipolar, please leave a message after the beep or before the beep or after the beep. But please wait for the beep.

 

If you have short-term memory loss, press 9. If you have short-term memory loss, press 9. If you have short-term memory loss, press 9.

 

If you have low self-esteem, please hang up.Our operators are too busy to talk with you.

 

If you are menopausal, put the gun down, hang up, turn on the fan, lie down and cry. You won't be crazy forever.

 

If you are blonde, don't press any buttons. You'll just mess it up.

 

This coming week is National Mental Health Care week. You can do your part by remembering to contact at least one unstable person to show you care.

 

(Well, my job is done. Your turn.)

 

**********************

 

Sent to me by my sister-in-law. I think she may be trying to tell me something.

 

Very funny Bookie..:D

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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Oh my, I wondered who had revived this ancient thread, trust you, Spammy!!!

 

Yes, them were the days where people used to think that because I was a mod, I was supposed to be more virginal that the Virgin Mary, more PC than the PC team at Whitehall and that they could attack me for whatever I said, whatever I did, however I looked, and even on one occasion, even attacked my husband who's not even a member on CAG on his looks. :rolleyes:

 

Thank goodness these days are gone. :-D

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Most comedy has to be slightly offensive to be funny. My favorite example of this is Spike Milligan calling Prince Charles a GROVELLING B*****D when he was presented with the lifetime achievement award at the British Comedy Awards 1994

 

I do also believe that comedy is a good way to get people thinking about issues that face people today. The secret policeman's ball is a prime example of this.

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