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    • woe SLOWDOWN>   your defence is weeks away. (day 33) no there are no templates as each claim is unique. however, if you use our search top right. for say claimform card you'll see numerous versions people have adapted based upon our std holding/no paperwork defence , one of which, might well be suitable.   get CCA/CPR requests running monday and get AOS done now on mcol, you've already lost 10 of your 19days to do AOS   then get reading up as i detailed above the more you read here the stronger we become   dx      
    • Thanks   Is there any good templates that can be modified for the defence?
    • is this letter entitled letter of claim? and comes with a reply pack?   please scan up your original agreement to ONE multipage PDF read our upload guide carefully 
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual on the Gov't Gateway Site  note down your details inc the long gateway number given, you might need it later.  then log in to the MCOL Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. .. get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... .[use our other CPR letter if the claim is for an OD or Telecom Debt] . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • The agreement started 11/02/2019  for 47 monthly hire payments   Threat-o-gram : We are instructed on behalf of Hyundai Capital UK Limited T/a Hyundai Finance Contract Hire.  This is inaccurate, as on my hire agreement it says - Owner Santander Consumer (UK) plc trading as Volvo Car Financial Services. Hyundai must be who this other persons agreement is with.   The only will is: Should you fail to make payment of the outstanding bablnce of £5,000, or alternatively provide realistic payment proposals within the next 30 days, we are instructed to issue County Court proceedings against you for the balance outstanding. Such proceedings will also include claim for costs.   Yes I still have my agreement. 
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
      • 33 replies

Has anyone used Slimming World, and if so did you get results?


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Hey there, I gave up smoking 5 years ago, and I'm afraid that although I won that battle, I am loosing the one with my waistline (or where my waistline used to be). I went to my hairdresser's recently and they were all looking fab. Someone had lost 3 stone, she herself had lost 2 1/2 stone. She said that they started going to Slimming World months ago and said that it's really good. I have never done anything like Weight Watchers etc, I used to be lucky enough to not bother (was a size 6, but at under 5 foot it wasn't too drastic). I have never been in the practice of weighing myself either. I need to do something, it is getting out of hand and after seeing their results am thinking of giving it a go. I was wondering if anyone on here had tried it, and if so what did they think? I'm looking for something that works but is sustainable. I do have a target as I am a bridesmaid in 7 months and I refuse to be the fat bridesmaid. It's bad enough that I'm going to be the midget. The rest of the wedding party are tall, even the 9 year old flower girl is taller than me. I refuse to look like an Umpa Lumpa! All kidding aside, I want to tackle this before it becomes too big a problem. I used to go to a gym but am unable to get there at the moment. I will hopefully be back at the gym in the next few months but want a balanced diet as well. Also should mention I would have to do the online version as I can't get to their meetings. I don't know if that will make a big difference. So, ladies, Men, Animals and vegetables, have you tried it, and did it work?:???:

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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My other half has dabbled, as has my mother. The only thing that strikes me as being a little peculiar is exactly what Hilary has said - you can eat an unlimited amount of certain things. According to the diet you could eat an unlimited supply of oven chips(!). I guess the best way to lose weight is to ensure that you exercise regularly and watch what you eat.

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:eek: Ooh, that does sound a bit odd. I could understand it if they said Celery, as Celery burns up more calories to digest than it contains. But Chips????? I thought that would be a huge no no!! I have never done a real 'diet' in my life, I know what's healthy and what isn't (as we all do), but I seem to go through phases of being 'good' and 'bad' and I think it would help me to have some guidence. I feel a bit lost. Me trying to be healthy and balanced on my own just isn't working. My hairdresser has reached her target now and says she is just maintaining it now so she still goes but it's free. She isn't going to stop following it as the weight would go back on, but she finds it easy to follow. I want something that is easy to follow, not too restrictive, something realistic that has a good balance that I can do long term. I'm not looking at it as a short term solution, I want something that I can stick to. As I've never really delved into it too much, I don't know which ones are ok. The salon staff look great, but it's only a handfull of people and I wanted a few more opinions before I part with any hard earned pennies. I also have hyper mobile joints, so I am limited to what exercise I can do, but one of the main things i have to watch out for with my joints is my weight. My legs are really hurting due to the excess weight and my already weak joints and I'm dreading the cold winter weather. Cheers guys for your help!!! It's very much appreciated. This is totally unchartered water for me. Edited by Mungypup

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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I also have hyper mobile joints, so I am limited to what exercise I can do, but one of the main things i have to watch out for with my joints is my weight. My legs are really hurting due to the excess weight and my already weak joints and I'm dreading the cold winter weather. Cheers guys for your help!!! It's very much appreciated. This is totally unchartered water for me.

 

This sounds very similar to my mother, she has serious mobility issues at times which are amplified in the colder months. She likes aqua arobics as it helps with the joints and the pool is really warm where she goes.

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Our local slimmers world has a notice on the door.

 

Will all slimmers world participants please use the double doors at the rear of the building.

Frederickson - CCA Sent 11/4/07 - Lost - Claiming back from post office

Connaught Collections - CCA Sent 11/4/07 - No Agreement - returned to client

Lowell - CCA sent 11/4/07 - No agreement - returned to client

Moorcroft - CCA Sent 11/4/07 - No Agreement - returned to client

Red Castle - CCA Sent 11/4/07 - Copy returned but no T&C's

Robinson Way - CCA Sent 16/5/07

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This sounds very similar to my mother, she has serious mobility issues at times which are amplified in the colder months. She likes aqua arobics as it helps with the joints and the pool is really warm where she goes.

 

Thanks Sequenci. I was told by docs that swimming would be the best exercise due to the lask of impact on joints, thing is, I HATE swimming and I hate aerobics! The only time I swim is if on holiday and the water is shallow enough to stand and I'll snorkle and chase fish. Chasing people is rather boring and can lead to being banned :p

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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Thanks Sequenci. I was told by docs that swimming would be the best exercise due to the lask of impact on joints, thing is, I HATE swimming and I hate aerobics! The only time I swim is if on holiday and the water is shallow enough to stand and I'll snorkle and chase fish. Chasing people is rather boring and can lead to being banned :p

 

I find it really boring too! It is made a little easier now that they have invented waterproof earphones for ipods! It's a great exercise as it can mix cardio with resistance.

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It is made a little easier now that they have invented waterproof earphones for ipods!

 

Oooh, did not know about this!! I just may have to look into it...:)

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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I did Lighterlife about 3 1/2 years ago. I lost 6 1/2 stone in 20 weeks. Mind you I had it to lose. Since then with regular excercise inc. gym, and road running, sensible diet most of the time, and the occasional couple of weeks (usually after holidays) back on the packs with a light meal in the evening I have managed to keep much of it off. I say much, as at the bottom weight I didn't look good so have deliberately allowed 1 1/2 to go back on, but that's where I keep it.

 

Its not easy and not for everyone.

 

Bigglesw

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I'll try and find the link for you in a while! (I'm at work at the mo!)

 

Thanks chuck :D

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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Have to admit I have a wii fit. I work from home so I think it can be difficult to get into the mood to go on it. I'm still getting used to working from home. I find it odd living, working and working out all in the same environment. I used to like going out to work and then going to them gym, and then comig home to relax.

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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I do know what you mean! I try to stick to the same time everyday to get into a routine. Mainly i do the 20 minute free step listening to my ipod and I also go for a walk everyday. I prefer that than going to a gym! I assure you i am no 'skinny minnie' but i think it has helped!

[sIGPIC][/sIGPIC]

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Cheers louise111, shame there is no magic pill or wand. I think the battle of the bulge is starting to feel worse than the battle of the ciggies! :mad:

I think I am going to join Slimming World. Has anyone done the online version (I can't get to the meetings)? I think i'll give it a go for a trial period. That said, I will have to get off my backside also. Food alone isn't going to do it. I shall win this war!

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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Hi Mungy,

 

Why don't you try doing a Mungys motivational thread with a kind of diary on it.. people might like to join you and you can encourage each other..

 

I wouldn't mind losing a few pounds and I could definitely do with getting some regular exercise..

 

 

just a thought.. :cool::)

[sIGPIC][/sIGPIC]

 

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

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Ooh, that's a good Idea Spammy!!! I think i'll give it a go! We can all give each other tips and egg each other on. Im full of a cold at the mo (excuses excuses;)) so Im going to start Monday. I figure i'll tackle it the same way I did with smoking. Set a date, and stick to it. I'm thinking I will join slimming world, and as louise1111 suggested setting a set time for the wii fit. May also take some walks during the day too, go feed the ducky's or something. The cold will make me walk briskly, and it will be nice to get out of the house.

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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Ah, I see you found it. Thanks chuck :)

Mungy Pup

 

I want to live in a world where chickens are free to cross the road without their intentions being questioned. :razz:

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