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    • 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. 
    • Hi M10,   Compared to MANY other cases we see here, a refund of 80% is a decent offer in the circumstances.   Take it and get yourself a new item.   Far better than Very and Apple each denying responsibility and passing the buck, and you being stuck in the middle for months with no help.
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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

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with no dis-respect to our Irish members

Irish burial at Sea

 

Mick and Paddy had promised their uncle Seamus, who had been a seafaring gent all his life, to bury him at sea when he died. Of course, in due time, he did pass away and the boys kept their promise.

 

They set off with Uncle Seamus all stitched up in a burial bag and loaded onto their rowboat.. After a while Mick says, 'Do yer tink dis is fer enuff out, Paddy?'

 

Without a word Paddy slips over the side, only to find himself standing in water up to his knees. 'Dis'll neva do, Mick. Let's row some more.'

 

After a bit more rowing Paddy slips over the side again, but the water is only up to his belly, so they row on.

 

Again Mick asks Paddy, 'Do yer tink dis is fer enuff out, Paddy?' Once again Paddy slips over the side and almost immediately says, 'No, dis'll neva do.' The water was only up to his chest.

 

So on they row and row and row and finally Paddy slips over the side and disappears. Quite a bit of time goes by and poor Mick is really getting himself into a state when suddenly Paddy breaks the surface, gasping for breath. 'Well is it deep enuff yet, Paddy?'

 

'Aye 'tis', says Paddy. 'Hand me da shovel.'

NEVER FORGET

 

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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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LOL.

 

If you find this offensive then perhaps the Bear Garden is not the place to be.

 

Just to balance things up and in the hope that our English members will laugh as loudly I will explain why an Englishman laughs three thimes when you tell him a joke.

 

 

The first time he laughs because everyone else laughs

 

The second time he laughs next day because he thinks hes got the joke

 

The third time he laughs is a week later when someone actually explains the joke to him.

 

 

 

Irish people laugh all the time at jokes about themselves. In fact different counties laugh about jokes concerning the residents of another county.

 

If you think the Irish havent got a sense of humour just look at our politicians

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LOL.

 

If you find this offensive then perhaps the Bear Garden is not the place to be.

 

Just to balance things up and in the hope that our English members will laugh as loudly I will explain why an Englishman laughs three thimes when you tell him a joke.

 

 

The first time he laughs because everyone else laughs

 

The second time he laughs next day because he thinks hes got the joke

 

The third time he laughs is a week later when someone actually explains the joke to him.

 

 

 

Irish people laugh all the time at jokes about themselves. In fact different counties laugh about jokes concerning the residents of another county.

 

If you think the Irish havent got a sense of humour just look at our politicians

 

Thought I'd butt in and add although I didnt find it offensive, telling jokes about the Irish is rather old hat and a bit naff to be honest and generally it isnt acceptable anymore (although perhaps the 'target' has just moved on, the 'We're from the Isle of Mann' jokes on the Fast Show for example).

 

I was in a restuarant once and a g/f of mine made the comment 'derr, thats a bit irish' meaning 'a bit stupid or dumb', at the end of the evening an irish lady next to us did make a comment about this remark and to be honest I agreed with her.

 

I'm sure we are all aware that context of the joke is, all Irish people are stupid, what's next for the Bear Garden, black/asian/paki jokes ?. I hope not..lets stick to jokes about DCA's :)

 

Andy

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Thought I'd butt in and add although I didnt find it offensive, telling jokes about the Irish is rather old hat and a bit naff to be honest and generally it isnt acceptable anymore (although perhaps the 'target' has just moved on, the 'We're from the Isle of Mann' jokes on the Fast Show for example).

 

I was in a restuarant once and a g/f of mine made the comment 'derr, thats a bit irish' meaning 'a bit stupid or dumb', at the end of the evening an irish lady next to us did make a comment about this remark and to be honest I agreed with her.

 

I'm sure we are all aware that context of the joke is, all Irish people are stupid, what's next for the Bear Garden, black/asian/paki jokes ?. I hope not..lets stick to jokes about DCA's :)

 

Andy

 

Lighten up. Every race makes jokes about another race. The Irish themselves make jokes about themselves and in fact regard Kerrymen as being stupid. Frank Carson has made a successful career telling jokes about the Irish. If you cant laugh at yourself then who can you laugh at

 

I found it offensive because I am Irish! My goodness I was only giving my opinion!

 

Well Im Irish and I didnt.

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Lighten up. Every race makes jokes about another race. The Irish themselves make jokes about themselves and in fact regard Kerrymen as being stupid. Frank Carson has made a successful career telling jokes about the Irish. If you cant laugh at yourself then who can you laugh at

 

 

 

Well Im Irish and I didnt.

 

I'm not stressed about this and I agree, people to tell jokes using race and racial stereotypes, and I may tell similar jokes if im out and about with close friends, however, The CAG Forum is a wide group that no doubt encompasses many ages, races, etc and I dont think its really suitable venue for telling jokes about how dumb or stupid people because thay hail from a certain country.

 

I'm sure you wouldnt want the Bear garden to become home to all sorts of racist/offensive jokes.

 

The fact the you didnt find it offensive doesnt make it ok, clearly others here did.

 

Andy

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the first line said

 

with no dis-respect to our Irish members

there are often Jokes on here about Scotsmen , I dont take offense, in fact I laugh @ them like most do

being a Scot myself

and I am the first to admit I am a tight old git where money is concerned :rolleyes:

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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the first line said

 

with no dis-respect to our Irish members

 

there are often Jokes on here about Scotsmen , I dont take offense, in fact I laugh @ them like most do

 

being a Scot myself

 

and I am the first to admit I am a tight old git where money is concerned :rolleyes:

 

If I were to walk upto an ethnic minority guy in the street and say "no offence to you but.......", and then proceed with an offensive/racist joke' I doubt It would be well received. The fact you included the first line doesnt actually mean anything that follows is automatically ok.

 

Andy

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The comparisons are taking things out of context,and can do nothing to change the views of those who are minded to agree on either side.

I dont see Kiptowers intentions as wanting to offend anyone.

Its a shame that light hearted banter cannot be taken in the spirit and innocence that it was posted.

We DO have to take everyones thoughts into account but this is the bear garden,and theres only been one complaint which is being looked into.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Where do we draw the line about jokes. Are their any jokes at all which wouldnt offend someone.

 

I defy anyone to tell a joke where some minority, race, creed or a.n.other is not offended. Its impossible.

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My builder (whom I've known for over 10 years) is Irish and he's always telling "Irish" jokes. I don't think for one minute that this joke was supposed to upset anyone.

 

I could tell my Beckhams on the plane joke, and that'd probably be safe because the Beckhams won't need to be on CAG.

 

DD

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I could tell my Beckhams on the plane joke, and that'd probably be safe because the Beckhams won't need to be on CAG.

 

DD

 

They might struggle to start a thread :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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Whilst we are on the subject of racism and prejudice....

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

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Forgot to add... Warning explicit lyrics!

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

C.A.G. Toolbar

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Forgot to add... Warning explicit lyrics!

 

One or two near the end-but they are tongue-in-cheek and part of the message in the song.

The audience certainly dont appear to have any problems there.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Gordon Bennett we may just as well become a nation of mutes, everyone's too scared to say anything without upsetting someone.

 

 

Well not exactly everyone.....Angela is still spouting quite contently for the BBA;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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the first line said

 

with no dis-respect to our Irish members

 

there are often Jokes on here about Scotsmen , I don't take offense, in fact I laugh @ them like most do

 

being a Scot myself

 

and I am the first to admit I am a tight old git where money is concerned :rolleyes:

 

what can i say my hubby who is welsh calls me his tight old Scottish git

 

i tell him less of the old

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