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    • Ok I see, so unfortunately i will have a default on my name for the another 2 years. It's totally unfair, cause now I can't buy a house for the next 2 years!!!! 
    • the default would have been registered by o2 on or before sale of the debt to lowells when a DCA buys a debt their name replaces that of the original company on credt files. so thats why it shows as lowells.   just because a claimant drops a court case, that doesnt mean the debt was not reported correctly during its history.   dx      
    • Thanks to you guys! The default was noted on the 26th of July 2016, so still still 2 years to go. On my Experian it says that default notice/company is Lowell's. So surely if they have given up then i can get the default removed? Nothing on there says anything about 02.? 
    • Why did you turn the offer down? Did you do that in writing? How was that offer expressed and how was your refusal expressed? I have to say that you've been here over a year and I'm not too sure why you go ahead and do these things without asking at least for some advice. In terms of the welding et cetera – BRS would be responsible for the entire repairs. It's up to you to dictate terms. I'm not too sure why you are allowing yourself to be pushed around by BRS
    • I think the question now is – how much trouble are you prepared to make about this? If you have got evidence that the value of the books was £169 – and particularly if you paid their so-called insurance (absolutely unnecessary in my view) then it seems to me that you are in an extremely strong position to make a claim – in the County Court if necessary – and to sue them for your money – plus the insurance – plus the cost of the courier service. Presumably you have some kind of email contact address in order to send these bank details. If you feel that you are prepared to begin a small claim then you should start off by reading around very quickly on this website about bringing a small claim in the County Court. Then if you are sure, then you could send Hermes a letter of claim giving them 14 days and then on day 15 issue the claim. I'm sure you have read around enough Hermes stories here to know that I'm going to say to you that you should not bluff. They will ignore your letter of claim and you should be prepared to issue the papers. However, for this kind of value I would expect they will put their hands up. They can't claim that you don't have any "insurance". They can't claim that the books were on their prohibited items list – so they have nothing left. If they really want to push you to go to court then there is likely to be a video or telephone hearing and frankly I don't see any arguments that they can raise against you. Your risk factors of course of the claim fee and the hearing fee if it goes that far. If you lose then you lose all of these plus your books. If you win then you get everything back plus interest. Read around and let us know what you think
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
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      I’m so stressed,
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      Thanks for reading 
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A guy walks into a bar and notices he's the only one there, apart from the barman, who's on the phone. The barman signals him that he'll be with him in a minute. The guy nods and bellies up to the bar to wait. Suddenly, he hears a little voice say, "Hey, you're looking pretty sharp today. New suit?"

 

The guy looks around but can't see anyone else in the place. He hears the voice again. "Seriously...you are looking good, chum. Have you lost weight?"

 

The guy looks around again and still doesn't see anyone. "Hello?" he asks. "Is someone speaking to me?"

 

"You bet! I just had to say that I thought you were looking just super!" A bunch of other tiny voices suddenly rose in agreement.

 

The guy realizes now that these voices are coming from a bowl of beer nuts on the bar in front of him. He stares at them as the barman finally hangs up and comes to serve his only customer.

 

"What'll you have?" asks the barman.

 

"What?... Oh, a pint of ale, I guess", mutters the guy, still staring at the nuts.

 

He finally looks up at the barman drawing his pint. "What's the deal with these nuts?" he asks.

 

The barman brings the guy's pint over and sets it before him. "They're complimentary", he shrugs.


NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

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

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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:D Kip, you have far, far too much time...................:D

Please help us to help you. Download the CAG tool bar for free

HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Kip,

 

What is this obsession of yours with Nuts?....Is it 'cause your dogs don't have any anymore and you're over compensating? ;)

 

Thanks for the pm btw. :)


[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

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

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ive got 2 on the left that need new ones,, :D :D :D


NEVER FORGET

 

[sIGPIC][/sIGPIC]

 

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

http://www.consumeractiongroup.co.uk/forum/bear-garden/218990-cooking-halogen-cookers.html

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:p bloke seen walking round with a steering wheel hanging from his Fly`s

 

Man asks what it is for

 

Dunno says the guy, it is driving me nuts

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:p bloke seen walking round with a steering wheel hanging from his Fly`s

 

Man asks what it is for

 

Dunno says the guy, it is driving me nuts

 

:D:D


[sIGPIC][/sIGPIC]

'Simples.' ;)

 

Any advice I offer is probably useless but there may be little nuggets of gold in there somewhere......If I have helped in any way, be it with knowledge or by giving your chuckle muscle some exercise please feel free to tip my scales....:-D

 

 

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

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