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    • Thank you very much for your reply!    I definitely put the value when I purchased the insurance. I unfortunately can't remember if I stated what the item was but it would make sense that it would also request this information. (I used the oh-so-convenient ..tsk.. little machine in the shop that you just enter all the details into and it prints it out for you). I will research as to whether that was something I indeed needed to enter; if I did I certainly would have put guitar.    I have photos of the guitar before posting but no pictures of it wrapped up unfortunately, as it didn't occur to me I'd need to do that (with being new to selling online and it being the first time I'd posted anything of value... Sigh!!)    I do have the buyer's message stating there were signs of rough handling to the package however.    The damage is to one of the dials (completely smashed) and a crack down the neck.    I'm new to this site and I've been trying to use the search function to find other hermes related posts but it only brings up results for lost claims not damaged (when I try to move forward through the results it doesn't seem to let me but I'll keep trying!) 
    • just add sorry it not on my statement not on anything like that but it been used block my new application by student loans even though it been sold.  I had no idea to be honest at all it even existed as i still had slc finance and that showed as okay.  Now i am more worried about the university try charge me 2250 pounds for being two days over the deadline, as soon as I was reject i withdrew from the course as I did quick research and noticed it be long process to even try and overturn decision.  My tutor will sign me off on the deadline hopefully just the lady in credit control was saying does not matter two days over has me worried.  
    • The majority of Cumbria is in tier 1 making it ineligible for support offered to tier two firms. View the full article
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • 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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can someone please clear something up for me. I am a bit confused as to the rules on PCNs (from Local Authorities) and the RK address supplied by the DVLA.

 

So if someone moves house and therefore doesn't get the original paperwork can the council simply amend the address from that supplied by the DVLA? Also can they issue warrants of execution to addresses different to that supplied by the DVLA?

 

sorry if this seems a really stupid question but I thought I had read somewhere on this forum that warrants of execution could only be issued to the address supplied by the DVLA at the date of the contravention. Is that the case or have i dreamt this up?

 

I will also put this post on the bailiffs section in case i read it there.

 

Thanks

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sorry if this seems a really stupid question but I thought I had read somewhere on this forum that warrants of execution could only be issued to the address supplied by the DVLA at the date of the contravention. Is that the case or have i dreamt this up?

 

Dreamt up.

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Gosh you checked the entire contents of this forum awfully quickly Green and mean! That very clever of you.

 

I thought you wanted to know if that was fact which it is not. If you wanted to know if you had read it somewhere then you should have made the question clearer? The question is a bit pointless, even if it was on the forum somewhere how could anyone possibly know if you had read it?

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I thought you wanted to know if that was fact which it is not.

 

Then why didn't you just say so without being facetious, or perhaps stating how you know this to be a 'fact'. If you were not being facetious perhaps you should make your answers clearer?

 

If you wanted to know if you had read it somewhere then you should have made the question clearer?

 

That's exactly what it said i.e. I think I have read it on here. It was perfectly clear. Try reading it again?

 

The question is a bit pointless, even if it was on the forum somewhere how could anyone possibly know if you had read it?

 

Thanks awfully for giving me your valued opinion on the pointlessness of my question. I will endeavour to ask questions which you approve of in future - perhaps you would like to prove read them first?

 

My question asked if this information was on the forum. Someone would 'possibly know' it was on the forum if they had either a) read it too or b) posted it themselves. Not quite so outlandish and fantastical a question after all then............

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Congratulations G&M, you've managed it yet again - insulted another poster with a perfectly reasonably worded query by responding in your usual characteristic abrasive & confrontational literary style.

 

Diddydog - can't help I'm afraid, but I'm sure someone will be along in due course who can.

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Diggydog,

 

I cannot say whether or not you read it on here or not. What I can say that even if you had, that would not, of itself make it accurate.

 

The address that the DVLA provides is only an address wher the RK can be reached. But liability for these PCN's does not rest with the RK it rests with the owner who may be a different person at a different address. Thus there would be no point in the legislation stating that warrants may only be served at the address of someone who may not even be liable and which need only be a mail drop!

 

So , I don't know if you read it or dreamed it but neither matters, it's not correct!

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

Nothing in this post constitutes "advice" which I may not, in any event, be qualified to provide.

The only interpretation permitted on this post (or any others I may have made) is that this is what I would personally consider doing in the circumstances discussed. Each and every reader of this post or any other I may have made must take responsibility for forming their own view and making their own decision.

I receive an unwieldy number of private messages. I am happy to respond to messages posted on open forum but am unable to respond to private messages, seeking advice, when the substance of that message should properly be on the open forum.

Many thanks for your assistance and understanding on this.

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Thanks for that Bernie - that does of course make logical sense. I think I may have confused this with warrants of execution showing a different address to that previously supplied by the DVLA (where all other docs have gone to the old address). Anyway that answers my question so thank you.

 

Strawdog - glad its not just me! :lol:

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Congratulations G&M, you've managed it yet again - insulted another poster with a perfectly reasonably worded query by responding in your usual characteristic abrasive & confrontational literary style.

 

Diddydog - can't help I'm afraid, but I'm sure someone will be along in due course who can.

 

I didn't insult anyone I answered a question and in return got a sarcastic reply for my troubles.

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Oh so its my fault now for 'taking you the wrong way' is it? Your initial response to my question was curt and decidedly unhelpful. If I had indeed taken you the wrong way, you had the opportunity to advise me of this after it became clear I had found your remark to be offensive. However instead you decided to tell me that my question was badly written and pointless. Its only now that it has backfired on you and other forum users have pointed out that you are generally offensive that you have decided to back pedal furiously and blame it on me.

If you can't take it don't dish it out. And if you have nothing helpful to say, try not saying anything at all.

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