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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • polishchap
      Payments made to Lowell via Payplan not credited to account. Can I dispute debt amount?

      By polishchap · Posted

      Hello, I have an old Capital One credit card debt under £1500 for which I've been paying £1 a month for 5+ years. I did a CCA request to Lowell and received the original signed CA plus statements from date of inception to the end of 2019. I can see from the statements that no payments were credited to the account for all of 2019. I know payments were made as they were part of my DMP with Payplan. At the time the account was with Fredrickson.  They have not provided any statements from 2020 to present and I am writing to them to request these. So I'm sure the balance they are pursuing is incorrect - can I dispute the debt amount based on this and render it unenforceable? I've trawled the forums and Google searched but can't find an answer, so apologies if it's been asked before. Any input most appreciated, thank you :-)  
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      Recording audio in health conversations

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      Thank you for your comments everyone. I have spoken to Ico about recording my phone calls for my personal use and also mentioned it to a law firm they said i was ok as long as it was not shared and for my personal use. I would never share it. I can easy prove i need to record on disability grounds.. I normally make videos how i am to document my conditions and how i am affected. I have in the past obtained a phone call to doctors to reception by GDPR. Normally I have my partner with me now. The only way i found is to have a advocate with me. even with my partner with me a trainee gp seen a short video and said in front of my partner “are they voluntary or involuntary”   
    • tobyjugg2
      US elections November 2024 [amended 18/04/24 - HB]

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      LOL LOL ‘Stormy weather’: Biden skewers Trump at White House correspondents’ dinner | US elections 2024 | The Guardian WWW.THEGUARDIAN.COM US president made fun of Republican frontrunner’s legal woes while critics of his handling of Gaza war protested outside  
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      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

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      wonder if sunak will revoke/deny their passports when they get there? Then announce that deportations to Rwanda have started ..

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

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angry cat

angry cat

Posted
Posted
No dear, I like to have a healthy debate. I don't need to prove anyone wrong, either they ARE wrong (IMO, of course) and I know from experience that they are unlikely to be willing to be educated, or they're right, and they don't need to be educated. Quite simple really.

 

What I do like is try to get people to expand their often limited horizon, trying to get them to see things from the other person's point of view, play devil's advocate. That alas often fails too, but that's the way it goes.

 

I'll say it gain, just to be clear: I don't want to prove people wrong, there's absolutely no interest in that (except in court, but that's a different matter). What I like is try to get them to work out for themselves that they are mistaken and maybe just maybe be willing to learn to go beyond their own limitations.

 

Patronising!

 

Never, underestimate the intelligence of people; people that, you do not know.

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Thailand

Thailand

Posted
Posted

AC, for 'god's' sake...it isn't rocket science to use that phrase yet again. The bankers have messed up as usual with their greed.

 

Point being, the country, no matter how it is dressed up, is skint.

 

The treasury WILL spend circa 10-15 million on bringing that turd to our shores...simples. Now, if you agree (which you have atested to) you won't mind my 15 million to have an athiest event. To be clear - if every man and his dog gets this - we're knackered. Are you aware of the cut backs? Or do you think ALL should have this pathetic right of way?

 

Unless, maybe, you think the Catholic church is special (puke).

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angry cat

angry cat

Posted
Posted
Can I have my money or not. (important point)

 

No, Thailand!

 

Not even for your dog:(

 

We can always go down to B/ton and buy one of those cute little dog handbags, though:)

 

OOH, and the shop with all the doggy clothes is divine:)

 

My daughter has a miniature black pug, who wants a ruff and tu-tu:)

 

No micky taking LOL

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Thailand

Thailand

Posted
Posted

LOL @ the handbag coment - you have a personality after all!!

 

But, what do you mean I can't have my money? (you know what I mean) The state is paying for that piece of **** to come - so why can't we (athiests - normal people) have ours?

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angry cat

angry cat

Posted
Posted
Is it ok to bash the bishop.?;)

 

You can bash all the bad ones, I will assist you...

 

Please, do not lose sight of the fact that, there are so many wonderful 'Roman Catholic' priests, monks and nuns who have devoted their lives to helping others; good people!

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angry cat

angry cat

Posted
Posted

Quote:

Originally Posted by angry cat

Please, do not lose sight of the fact that, there are so many wonderful 'Roman Catholic' priests, monks and nuns who have devoted their lives to helping others; good people!

 

by Thailand:

Forgive me if I lose sight of that twaddle.

 

Not twaddle, Thailand!

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Thailand

Thailand

Posted
Posted
Quote:

Originally Posted by angry cat

Please, do not lose sight of the fact that, there are so many wonderful 'Roman Catholic' priests, monks and nuns who have devoted their lives to helping others; good people!

 

by Thailand:

Forgive me if I lose sight of that twaddle.

 

Not twaddle, Thailand!

 

It is complete and utter hogwash. Since you are welcome to believe that tosh, I am also free to dismiss it. Murder and rape included.

 

Dear chancellor.

 

You are aware of the many silly religions in the world, but I hear you pay top dollar to invite their leaders (some of which boast head of state - despite the UN disagreeing).

 

I will require 10 million pounds to bring a s***head to our shores. Oh, wait, I don't believe in fairy's so you can keep it.

 

Puff.

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locutus

locutus

Posted
Posted
That's quite an extraordinary statement to make.

 

I'm not gay (last I checked, and Mr Bookie would have something to say about it I think, lol), but have never ever been called either a gay basher, or patronising.

 

But then, maybe it's quite simply the fact that I treat people as people, not because or despite their sexuality. And because of that, the people who are kind enough to be my friends despite or because of my sexuality respect my point of view the way I respect theirs.

The most trouble I've ever gotten into with the missus, she was with a group of her friends and they were male bashing, talking about infidelity etc. and she said to me joking "What would upset you more, if I left you for a man or a woman" My reply was "That all depends, is the woman hot and can I watch?"... My guess is that would be Mr Bookies answer aswell :p

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Bookworm

Bookworm

Posted
Posted
Booky?

 

So, in your book, it is not PC to bash the Gay's.

But, okay to bash the 'Roman Catholic' Faith?

I'm not bashing anyone, this is a "quote" from Monty Python, with the "nobody expects the Spanish Inquisition" motto, and I was thus referring to gatecrashing the party Thailand was asking for.

 

and so:

 

Never, underestimate the intelligence of people; people that, you do not know.
QED.

 

Intelligence is no good whatsoever if it isn't allowed access to what it needs to feed on, such as dialogue, discussions, debate, knowledge, culture etc etc... My autistic son has a very high IQ, is extremely intelligent... but still can't access a "normal" curriculum, because his autism is like a curtain blocking the light.

Dogma, ignorance, narrow-mindedness, entrenchment are all barriers to intelligence in exactly the same way. Intelligence is a working tool. If you don't work it, it rusts and seizes. ;-)

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babybear39

babybear39

Posted
Posted
I'm not bashing anyone, this is a "quote" from Monty Python, with the "nobody expects the Spanish Inquisition" motto, and I was thus referring to gatecrashing the party Thailand was asking for.

 

and so:

 

QED.

 

Intelligence is no good whatsoever if it isn't allowed access to what it needs to feed on, such as dialogue, discussions, debate, knowledge, culture etc etc... My autistic son has a very high IQ, is extremely intelligent... but still can't access a "normal" curriculum, because his autism is like a curtain blocking the light.

Dogma, ignorance, narrow-mindedness, entrenchment are all barriers to intelligence in exactly the same way. Intelligence is a working tool. If you don't work it, it rusts and seizes. ;-)

 

The same can be said of a lot of things :)

 

DG was, I believe, bearing in mind I'm not a guy though, referring to the strange act that guys of all ages perform on themselves frequently. Catholics don't do it though ;)

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angry cat

angry cat

Posted
Posted
:

"Office of Fair Trading chief executive John Fingleton, whose annual package is up to £279,999, is the top earner.

 

This package includes taxable benefits and allowances.

 

NHS chief executive David Nicholson earns up to £259,999 and the IT Director General and Chief Information Officer at the Department for Work and Pensions, Joe Harley, gets £249,999.

 

Astonishing!

 

Looks like some substantial savings can be made...

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