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    • Thanks for your reply...much appreciated. Last payment date was December 2018. She had been paying £50/month from July, and they wanted £150/month, despite my partner losing her PIP (which was eventually reinstated after appeal). She stopped paying anything after they failed to supply a true copy of the original CCA (which she took out in 1981). Her name and address were different in 1981 due to marriage (and subsequent divorce!). Again, no mention of that in the “reconstituted” agreement which they supplied. Once again, many thanks and we both appreciate you putting time in to helping with this, especially due to the increased financial pressures of Covid on many people who also need your help.
    • never get a cca for a debt of that age when was the last payment date?   dx  
    • i have shrunk the uploads earlier as they exceeded in total your upload limit try now in pdf.   BTW: the file a few posts up renamed burlington comms is very damning for them they knew they had done wrong having just read it.   now this subject needs addressing and sorting. where has all your available income been going for the last 12mts...why has this debt not been paid and why did you resort to even taking out an LBL in 1st place..usually its as a result of shear desperation and financial mismanagement as you could not get money elsewhere ...why ?   this debt is a priority ...2nd to everything other that what keeps a roof over your head like mortgage , rent. CTAX. gas/electric.   mobile phone/sky/broadband/credit cards/OD's/catalogue debts or accounts and anything else you payout for needs to be either cancelled or dropped to <£5PCM..they can't do anything to your roof or your car.   spill the beans..why were you in such a whole in 2018 that you ever had to goto these sharks and expose yourself to this grief..          
    • For general info, I have a Life Fitness treadmill which has been in my garage for the past two years.  It cost around £2k so in the same ball park as yours.  It was installed for us by professionals and there was no hint that it is an unsuitable environment - because it isn’t.  The gym I use (when I can) is even less salubrious than most garages, think bare aircraft hangar rather than carpets and smoothie bars.  It is not heated.  It has a range of top end cardio equipment all working just fine.        
    • i'd be sending them an sar get all the details and see if his bank has proof of BT cancelling the DD too. then p'haps we can make a complaint......   £800/12 is about £67pcm - thats an expensive deal if this is for BB only and not phone as well & at what speed - i'd expect >70MPS for that deal...was it.?   the issue here is if it is for phone as well BT won't release the line till the debt is cleared if he wanted & should switch - to say vodafone at <£30PCM for the same deal.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Speeding....... Notice of Intended Prosection - Help for my friend


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Hello all

 

If i may i would like to post one serious experience i have had this year whilst being on duty.

 

I attended a TA of which i thought was a young lad speeding and showing off to his pregnant girlfriend who was in the front passenger seat. The lad was driving a Mitsubishi Evolution. When i arrived i was the first officer on scene. There was blood everywhere. On the dual carriageway and on the grass. The Evo was wrapped around a tree with its chassis facing the outside. I went to look inside the car and saw that the kid driver had died from multiple stabwounds by the tree branches. The pregnant girlfriend was screaming and the next thing i saw was a tree cutter with a chainsaw cutting the tree branches that were trapping the pregnant girlfriend. Later on i was informed by other drivers who were travelling on the same carriageway that the lad driving the Evo was racing another Lad in a Blue BMW 3 series that did not stop for this accident. When the Blue BMW overtook the Evo he shunted the Evo into a ditch and that is when the Evo hit a tree.

 

I will never forget this TA and before anyone has a pop of me for drawing bad comparisons, i want you all to know that i will enforce the speeding limits as i don't paricularly find Fatal TA'S an agreeable part of the job. I know that the Young lad driving the Evo was as much to blame as the BMW driver, but in my mind the Blue BMW driver is responsible.

 

Thankyou for looking at this post.

 

S

Edited by PCSTAMPER
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You know what they say lamma, the man who never makes a mistake never makes anything.

 

Tom87 - you are indeed an exceptional & most rare human being.

Edited by StrawDog
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The relative or close friend of anyone that has died in an accident where the cause was speed would probably view the speeding driver in the same light as a murderer.

 

However, here is not the place to get involved in morals. So long as the police do their part properly then speeders will be caught and punished - which is a good thing.

Warning: Freemen of the Land Operate here. Think twice before accepting 'legal advice'.

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PCSTAMPER - by your own account of this extremely sad & tragic incident, this was nevertheless more than just a simple case of exceeding a prescribed speed limit by a few mph wasn't it.

These guys were deliberately racing each other on a public highway at what were no doubt breakneck eye-watering speeds over the limit. Other overriding very serious offences were obviously a factor.

 

I do not seek to defend or condone speeding - by all means enforce the speed limits, I have absolutely no problem with that, but please don't lose your sense of proportion and discretion whilst doing so.

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PCSTAMPER - by your own account of this extremely sad & tragic incident, this was nevertheless more than just a simple case of exceeding a prescribed speed limit by a few mph wasn't it.

These guys were deliberately racing each other on a public highway at what were no doubt breakneck eye-watering speeds over the limit. Other overriding very serious offences were obviously a factor.

 

I do not seek to defend or condone speeding - by all means enforce the speed limits, I have absolutely no problem with that, but please don't lose your sense of proportion and discretion whilst doing so.

 

 

STRAWDOG You are correct and on alot of occasions i prefer a word in ones shell, than if i was to report for summons or TFPN. Believe it or not i still believe in an officers discretion than a square box mounted on a post.

People would ask me if i let someone go with words of wisdom and give someone else a ticket would it be hippocritical? My answer is no because it would depend on time, place, speed, drivers experience and many other factors. There is no such thing as a generic driver.

Arrogance is not something i like nor have. Patience in the job is a must.

 

In relation to my experience in May i certainly conceed that there were more factors than speed. All this because one ignorant teenager thought it would be clever to race his mate on a dual carriageway. Life is too short to be stupid on the highway.

 

I would hope that you agree that speeding doesn't kill, its the person behind the wheel who doesn't know their limits who push their boundaries too far and will sooner or later face the end. And thats when i pick up the pieces and deliver the death message to loved ones.

 

Please forgive me i have taken this thread out of the original subject. In relation to the 9 points regardless of what the case was either in "totting up" or other offences if i had stopped someone for speeding who already had 9 points I HAVE to report for summons as I'm are not given any discretion at that point.

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