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    • It was The repair team that do work for Harvey’s. They had to come out three times in the space of four months. After the last visit in august 2019 Harvey’s contacted us to say they would replace the sofas
    • If you can spend some time reading around the threads here as I've already suggested, you will understand what we have to say about the so-called insurance cover and how it is unfair and unenforceable. Please familiarise yourself with this. Have they actually agreed to pay out on the insured value? Not only should you have the value of your lost items that you should also have the cost of the delivery as well as the insurance back. They don't care about losing a lot of business. They've got a huge amount of business and although they are the most complained about courier company in the country, I expect that 98% of their deliveries are successful. Of course when you talk about the remaining 2% of millions – it still ends up with a lot of loss parcels. The really disgusting thing is how Hermes then deny liability and try to force people to accept their losses. Most people give up but people who come here normally get their money back – but in your case afraid it does depend on the correct declared value
    • I was not aware of the non compensated list until after the event.   when you book it only shows the prohibited list which is about safety.   the non compensated list is right at the bottom of the page.   they took my additional payment for “insurance”  so cannot refuse to pay out unless its prohibited.   They should perhaps put a drop down box, to select an item type, and if its on the non compensated list then not allow the option to pay for additional “insurance” and warn the users it has no compensation for loss or damage.   They would loose a lot of business and the extra money they make if all goes to plan.   Will do, i might just have to accept the insurance value and put the rest down to experience. Thank you for the advice i will review threads and familiarise myself with what to do.
    • Thanks. As for their prohibited items list – in respect of items which are lost, it's completely irrelevant and unenforceable. However, the view we take is that if you declare a particular value and they undertake to carry your goods at that value then that is all you can recover. If you want to try and go for higher value then we are happy to help you but I don't fancy your chances but it would be interesting. Please spend the next few hours reading around the Hermes sub- forum and understanding the process about challenging Hermes, issuing a letter of claim and then issuing court papers. Understand also the process of bringing a small claim in the County Court. When you think that you know your way around then come back here and will help you on the next step. Once again, you're welcome to try and claim for the higher figure – but I think is most unlikely that you would succeed and in fact whereas most claims seem to go to mediation and get settled there, I suspect that if you claim for a higher amount that they would try their luck in court. However, you seem to be saying that so far in respect of your claim Hermes have been making positive noises and that they may pay you out on the basis of the insurance cover.  
    • the issuance of a Default notice was some +3yrs after the last acknowledgement through a deferral letter to the original creditor.   i thought a debt buyer could not issue a default notice? thus change the cause of action under the PRA DN ruling Win~ it was not retrospective appeal win?   i believe we've countered these late DN's before along the lines of:   alternative whereby claimant intimates SB date=defaulted date and that has been registered months/years after the last payment . 1 The Claimant's claim was issued on dd/mm/yyyy.    2.The date last payment/acknowledgement made was the dd/mm/yyyy     3.The Default Notice was issued dd/mm/yyyy and served several months/years after the initial breach thus the cause of action delayed by X months + years and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.    4.Therefore the Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any true cause of action for breach accrued for the benefit of the Claimant.    5.The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.   @andyorch your thoughts?
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UK26 -V- Experian Limited


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Yes i confirm you did send a donation to me for this case, and i note you have posted quite alot in the past.

 

I am happy for you to have access

 

Can the SiteTeam approve access for MrMT?

 

 

I fully understand the sensitivity and after donating assumed I would be seen as a no-risk member but obviously someone has decided otherwise so I'll have to bide my time and wait for the exposure when it's all over I guess.

 

Thanks for explaining that, a simple "Sorry, no can do" right from the first request would have been appreciated though.

 

Good luck and go get em!

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OK. I know i'm only new here, but I too have a case against Expirian and Vodafone. Vodafone defaulted me when we are in dispute. In fact Vodafone have denied there is a dispute, and they actually owe me money as they haven't returned my £150 deposit which was required at the start of the contract.

 

How do i prove I an genuine?

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PS.....Just to add, I was always taught if you have nothing to say, then say nothing. As a newbie just starting litigation against these 2 parties I do not have alot to add yet.

 

HI PAULH,

 

It is only UK26's Lowell thread that has been moved to a secure area...I would start your own new thread on your dispute with Experian on the Cedit reference agency forum then you will find that you will get much quicker responses and try to keep UK26's Experian fight to his dispute...I mean no offence by advising you to start your own thread.

 

sparkie

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HI PAULH,

 

It is only UK26's Lowell thread that has been moved to a secure area...I would start your own new thread on your dispute with Experian on the Cedit reference agency forum then you will find that you will get much quicker responses and try to keep UK26's Experian fight to his dispute...I mean no offence by advising you to start your own thread.

 

sparkie

 

Hi Sparky.

 

I wasn't looking to air my dispute on this thread, just asking on UK26 dispute.

 

Paul

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Basically this is such an important case and should I win, it will change how the finance industry sells there debts to the debt collection industry.

 

The case has been indicated it will end up in the High Court due to the serious effect it will have not only on Lowells but all the other companies out there.

 

Lowells have gone to the extreme to use barristers now to try and defend them.

 

 

Lowells are trying to monitor the lowells topic and we are trying very hard to make sure they don’t have access. If you are a new member or don’t have very many posts under your account. Your access will be refused.

 

Now this is something a lot of CAG members have been waiting a long time to see happen. Finally a chance to give the Debt Industry a real good kick in the balls. It's been a long time coming, but it will be well and truly deserved.

 

Good luck to UK26 and everyone working hard behind the scenes who I know will be giving it 110% to make sure it happens. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Hi UK26,

Sorry for being late onto this thread, donated £10 to the cause, if surplus to requirements please forward to CAG. Good luck mate everyone is behind you.

regards

Please remember our troops, fighting and dying in our name. God protect them.

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Just followed this thread NICE ONE!! The Financial Institutes of this Country are Guilty of little less than - Extortion – Harassment -Intimidation –Discrimination- Blackmail and Embezzlement and guess what the cheeky BA£££RDS after all they have had are putting there interest rates up and holding the Country to Ransom --Can someone tell Gordon to look at the real world ! If not they will do the same to the next prawn that comes along.

Oh forgot to add it is also compulsory them to tell untruths

 

 

This is the FIRST STEP

 

Donation sent

 

 

 

Edited by Cougar1
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We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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*Waves at the guest*

 

Well done and the very best of luck to you, what a brave person you are.

 

Will PM you for details of where to send donation, get some built up in a kitty so that the kick will be that much harder.

PLEASE DONATE ANYTHING THAT YOU CAN

 

 

A government that robs Peter to pay Paul can always depend on the support of Paul.

George Bernard Shaw

 

 

 

 

Go on, click me scales (if I have helped) :grin:

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Hi UK26,

 

I would just like to say I agree with restricted access, but please please be very careful who you allow in!!! this is too important!!!!!!!

 

Remember knowledge is power.

 

Can I add to this.

 

Be very careful. If they know our game plan then you may have less fire power

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I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around [the banks] will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered. The issuing power should be taken from the banks and restored to the people, to whom it properly belongs.

Thomas Jefferson,(Attributed)

3rd president of US (1743 - 1826)

Edited by Cougar1
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Hello Cougar1!

 

I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around [the banks] will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered. The issuing power should be taken from the banks and restored to the people, to whom it properly belongs.

Thomas Jefferson, (Attributed)

3rd president of US (1743 - 1826)

 

That was as true then, as it is now. The same comments apply to every Debt-Based Economy in the World.

 

The above is exactly what we are faced with now. This Recession will see another quantum shift in assets from the people to the banks (and all the bank like institutions that surround them).

 

People should not get too side-tracked laughing at the silly bankers, because they will have the last laugh if we let them. They know that minor inconveniences such as being asked to give up a £16m Pension, is Chicken Feed in comparison to the steady shift in assets over to the banks. They are still in control, just a little exposed for the first time in decades.

 

Now is the best chance we have had in a very long time to see what harm the banks are doing on a Global scale.

 

Cheers,

BRW

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go and get 'em on both cases m8, we are all sitting on the fence waiting to have our peck at them, my missus has some unfinished business with experian

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Hi there UK26 - I am not asking for access as I agree too many eyes could give these bandits some ammunition. Creepers come in all disguises. Just to say all power to your cases, may good luck and positivity be with you and make no mistake about it; when you win you will probably be invited onto every consumer tv and radio programme going.

 

My personal best wishes go with you.

 

Stirling2005

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Like forstal said

 

There are alot of people with battles to fight and because of places like this and people like UK26 it's now not such a daunting task.

 

People no longer have to tolerate being taken advantage of because they don't know what or if they can do anything about it.

 

I know i wish i had found this site a long time ago.

 

All the best UK26

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Please note that this topic has not had any new posts for the last 4039 days.

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