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    • They will have to provide proof that it was delivered – either a photograph or a signature.
    • Okay, if you are prepared to go ahead then you should send them a letter of claim. Give them 14 days to refund your money after which you will start a claim in the County Court. Only send this letter if you are prepared to go ahead with your threat on day 15. Otherwise you will simply lose credibility. I'm afraid you won't get your money back any other way. You will probably have to issue the claim papers which will cost you £25. If they are really stupid for this kind of money then they will push you to pay the hearing fee which is about another £40 or £50 – I'm not sure – and on the basis that you win, you will get all that money back. Read around the Hermes threads to see how it works. They will probably opt to go to mediation and that will be their opportunity to try and knock you down and you will find that the mediator will probably try to put pressure on you as well to compromise on your rights. We would suggest that you don't do this and that you stand your ground. The carrot for Hermes is that if they pay you out completely then you won't go to court and there won't be a judgement against them. The stick for Hermes is that if they do push you to court and you win then you will get a judgement against them which will be very damaging for them generally. For this kind of money they would be really stupid to risk it – but they may test you by forcing you to pay various fees. The extraordinary thing about Hermes – like many other big companies, is that they will pay more money to try and crush you that it would cost them simply to pay you out. These people are really stupid. Draft a letter of claim and keep it simple and post it here before you click it off. Draft particulars of claim and post it here before you click that off. After you have sent your letter of claim, use the 14 days to make sure you understand the steps in bringing your action and also to register on the MoneyClaim site so that you can get everything ready and on day 15 click off the claim.  
    • any lines on private land are purely tarmac graffiti.   type in   Manchester Piccadilly Station   in our search top right.   pop up a googlemaps link to where you parked exactly    nearly all no stopping speculative invoices are on byelaw covered land.   it's a traffic offence which they can't enforce not a parking offence.        
    • I sent the parcel on the 10th of September.   The package contained shoes.    The parcel is worth £70, and that's what I marked it as on the lost claims form.    I paid £3.04 for delivery.   I was refunded £23.04   So I am owed £50.  
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Locked in car park


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Goodnight everyone I'ts been a busy and eventful day. Who knows what tomorrow will bring.

Goodnight Annushka, thanks for passing on the messages today.:D

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Help Our Hero's Website

 

http://www.helpforheroes.org.uk/

 

HIGHWAY OF HEROES

 

http://www.consumeractiongroup.co.uk/forum/bear-garden/181826-last-tribute-our-lads.html

 

Like Cooking ? check the Halogen Cooker thread

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Release of information from DVLA records : Directgov - Motoring

I just discovered that LD have sent enquiries to the DVLA shortly after a particular car drove by Fred's home.

I've checked the DVLA's list of when it's proper to reveal the information and they've no right to obtain it as far as I can see, so a request to the DVLA will be sent tomorrow for a copy of the V888 form

 

Sections 4 & 5 from the V888 form.

 

What information you want and why.

 

How you intend to use the information.

 

This could be very interesting.

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The SRA have already had two dossiers from us and a further update is going any day now.

You never said a truer word, Natalie about the Grisham novel comparison. Think the Firm as far as the costings go.:roll:

 

48 minutes to watch a 5 minute long video, then they charged to watch it again later, 24 minutes to read a four sentence letter, 12 minutes to 'Dash for cash' on a day when no other work was done on the case, just for starters and if I'm not mistaken more than a few double entries. All charged handsomely at £1.50 per minute.

 

'Want to talk to real solicitors in your area just dial 0898 ............'

 

All calls to this service are charged at £1.50 per minute.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Have you noticed they don't charge for time spent viewing this thread. It must be purely for pleasure! That's so sweet of them.:p

 

But look at what they charge for the ensuing flurry of urgent 'phone calls and emails every time we post anything 'unhelpful'. That's where they make their money.

 

Well would make their money if this wasn't a small claims hearing and they can persuade the judge to ignore their offences under CPR. :-|

 

 

 

(Oh and they'd have to win first too).

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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I know you have nothing to fear from that lot, but just to be awkward, I would ask Admin to change the permissions on this thread so that (like the Library templates), only registered users can access it. No more guests. Ok, so "they" would then have to register, but I think maybe avid watchers would soon spot a pattern of... :razz:

 

Like I said, no massively obstructive, but I believe in being as awkward as possible at all times in cases like these. :-D

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I know you have nothing to fear from that lot, but just to be awkward, I would ask Admin to change the permissions on this thread so that (like the Library templates), only registered users can access it. No more guests. Ok, so "they" would then have to register, but I think maybe avid watchers would soon spot a pattern of... :razz:

 

Like I said, no massively obstructive, but I believe in being as awkward as possible at all times in cases like these. :-D

 

I think that's a good idea.

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Yes good idea a Turing test will probably stop most of them registering anyway.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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would recomend, p.s. if the registration takes ip address it takes very little work to translate that into a name, i.e. a ping traceroute on mine comes up cpc3-mfld12-0-0-cust798.nott.cable.ntl.com

 

which gives town, customer, local exchange, and isp

 

im sure it could be determined for certain if people are from the lawyers office rather than making possibly false assumptions

 

for example the same traceroute on the forums tells me that its hosted by bytemark...

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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Admin does that check on suspicious activity labrat but sometimes these 'guests' get clever - or think they do ;)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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I know you have nothing to fear from that lot, but just to be awkward, I would ask Admin to change the permissions on this thread so that (like the Library templates), only registered users can access it. No more guests. Ok, so "they" would then have to register, but I think maybe avid watchers would soon spot a pattern of... :razz:

 

Like I said, no massively obstructive, but I believe in being as awkward as possible at all times in cases like these. :-D

Sounds a good idea to me too. That way they'd have to come out of the woodwork if they want to see what's happening.:D

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Some good news since I last checked this thread yesterday! They probably didnt expect this level of resistance to their claim so are panickingn ow and pulling out every trick in the book - including hiring of PIs!

 

You have got them on the run Patma, they didnt expect you to stand up against the big boys, but then the saying goes....How do you eat an elephant...one slice at a time... :) And you have certainly carved a few slices off PCAD!

 

Yorky.

 

P.S. cant stand cricket so the Yorkshire branch can stay open 24/7...except when SBK on :o)

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48 minutes to watch a 5 minute long video, then they charged to watch it again later, 24 minutes to read a four sentence letter

 

Excited children wanting to watch re-runs of cBeebies and reading lessons. Is this really billable work? ;)

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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Oh dear oh dear, this thread has progressed alot since I last read it!

 

Good luck Patma and Fred, it seems that TLD and the others are doing a bang up job in helping you!

 

I don't think that PCAD et al. knew what they were getting into!

 

H

I am not a lawyer - I'm an Engineer with an interest in law. Advice is given with out prejudice and is my opinion on the information I have been provided with based on my experience, understanding and interpritation of law. If you are in any doubt please seek the advice of a qualified and insured legal professional.

 

Victories:

Abbey (OH) - £680 ..... Barclaycard (OH) - £2200 ..... MBNA (OH) - £1800 ..... Shop Direct (OH) - £220

Brunell Franklin (a.k.a. Conkers) - Out of "contract" & no charge

:D

 

In Progress:

MBNA (OH) - PPI & bad default with premature termination

Capital One (OH) - ~£800 Penalty Charges

Suzuki Finance/Blackhorse (OH) - Commission, Unlawful removal, PPI, Charges

 

A Lightbulb Shop - "loss of bargain"

 

If i've helped, please feel free to hit the star ;)

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Oh my goodness.. I stumbled across this Fred (thread.. sorry..couldn't resist the pun there) hours ago and I've been transfixed from the very first page. Well done caggers, this has been a brilliant read and although I don't understand a lot of the legal jargon.. I'm sure that this will end as a victory for Fred and the caggers. I look forwards to the outcome and hope the media can then cover this case to protect any other innocent people and bring this forum to the attention of other people who may need assistance from you experts in the future.

Superb!!!!!

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