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    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
    • Hi All, I'm looking for help with a P2G claim for another lost parcel. Given the wealth of information on this site, I'm hopeful that this should be an easy one to fix, but want to be sure I have everything. On the 6th March, I contracted with P2G to send a parcel (a £600 Pioneer AVH-Z7200DAB car stereo which is not on either P2G or EVRi's excluded from compensation or prohibited items list) using EVRi, sent it off, and that was the last I heard of it. The EVRi tracking showed that the parcel had made it to the national sorting hub at 2:12 on the 7th, and then vanished. By Friday, I had started to get nervous, and so, raised an enquiry. And then another, and another - well, they weren't responding, and I couldn't get their telephone one to work, I think in all, it was more than 15 enquiries. I also raised an investigation with P2G as well. EVRi closed the enquiry confirming a loss on the 19th March, and P2G near the end, although P2G closed it claiming that I needed to send photos of the parcel as proof - which I didn't have, and I also do not have an account with P2G so couldn't upload anything (I did test, just in case), and this is why despite receiving advice on the EVRi Fb group to send the letter before claim, I haven't yet acted. I have proof of the eBay listing, and the refund, to demonstrate that which was being sent, but P2G's insistence that I have no photographic proof of the parcel with the label - I have the photo of the goods in their box before sending, but this is for the eBay listing, and so does not show it after the fact. This I fear is what P2G will seek to rely on as a defence, hence my 10 week delay on progressing with this. But, I am more than £600 out of pocket for the loss: £600 for the item and £8.04 for the delivery fee, although my claim will actually be for an initial £611.09 to cover the cost of the loss, their delivery fee, and my 1st Class Recorded stamp for the Letter Before Claim to P2G, rising to £681.09 to cover the additional £70 cost of opening the court case if they fail to respond within 14 days. This question mark surrounding P2G's request for photographic evidence, is this likely to cause me a problem? Steve
    • Had a letter response today dated 12/6/24 from PRA Group re request for information consumer credit act 1974. Confirming they are in receipt of my CCA letter request - and that they are requesting the required information. They returned the £1 postal order. And my CCA letter. Stating that they will contact me with an update ASAP. They attached/included a standard ( non personal ) page about ' what they should provide ' and ' what happens If I don't get this information'.    I need to file my defence by 21 June 24. Any suggestions as to what that defence should be ?   
    • Thanks @dx100uk for responding promptly.    To be quite honest with you, applying for breathing space might not really help except some short term relief. I don’t want to default either as I might lose my job too and I cannot really afford it. Sorry for sounding bit stupid but is there something I can do to stop them charging interest and agree on reduced payments? Can I use pro-rata payment letters to get out of this situation without too much impact? I am working on information that @BankFodderhas requested and will be sharing it later today.  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Hi,

 

Thought I'd share with you my redundancy story and see what you all think.

 

In Nov 2009 I was offered a job as a receptionist in an confrenece centre. I was asked if I minded working for Christians on my second interview. They then informed me that a church rented a room in the centre and regulary held things in the centre plus the centre was used for Church services every Sunday. But as I was informed that I was been employed by the confrence centre and I did not see this as a problem, so I excepted the job.

 

This was a part time job of 20 hrs per week, but as the other receptionist was working her notice they asked me to work full time over December. Which I agreed to.

 

I started 3 Dec 2009.

 

Then discovered that EVERY1 else employed by the centre attented the church par the caretaker (but his brother was highly involved with the church as a pastor and very well thought of).

 

I soon found that I was been asked to work when there was a church events on. I was oftenverbally abused behind the desk by people who attended the church and events when they discovered I did not attend the Church "how can the church employ some1 that isn't a christian or goes to church". I never mentioned my faith to these people, they just knew that I did not attend the church.

 

They stepped up their campaign to get me to join. Inviting me to events and then asking if my daughter would like to attend the sunday school. All of which I poliently declinded.

 

Then 5 months later the centre was failing to make money, so I was made redundant. Only me I may add. The other receptionist (who is a youth leader in the church) stayed. Even though she started after me. When I challanged this they said it was bescause she could work in the coffee shop!

 

I was never paid for overtime although I was told I had to do the overtime, I was paid time in lieu (which was impossiable to take off and you ended up losing it as you hadn't be able to take it). My rota often had 30 + hours on yet I only wanted to work 20 hours as I have a small child.

 

I have since discovered that the receptionist who stayed, hours were increased since I left. When I challanged this with the confrence manager (also a pastor) I was informed that none of her extra hours were paid and it was mostly voluteers that covered reception now.

 

I think it all stinks!

 

On a plis I have since found a job that I love. xx

Edited by cerberusalert
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Hi

 

I read this when you first posted it and didn't think it fair at all. I was looking at the dates of everything and concluded that if it was against any law it could possible be the Equality Act 2006. (The new Equality Act 2010 came into force 1.10.10)

 

Anyway, am I the only one (apart from yourself) that thinks this is reverse discrimination or rather Religious Discrimination because of a LACK of religious belief? See link http://www.equalityhumanrights.com/advice-and-guidance/your-rights/religion-and-belief/

 

Look at sections 44 and 45 http://www.legislation.gov.uk/ukpga/2006/3/contents

 

This is now superceded by the Equality Act 2010

 

Don't know legal time limits but if it is anything like other discrimination matters it is 6 months from date of dismissal..... so you must be very close to it already if not over.

 

We do have an employment master on here so hopefully she will pick up on this thread.

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They told me not to come back into work from the end of May but my official leaving date was the end of June. Alot of friends and family think that I should have seen a solicitor about it as it does seem that when redundancies were needed they looked straight to me as I was not 'one of them'.

 

Thanks for your reply

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The Equality Act does not apply retrospectively - but this may have qualified as religious discrimination on the basis of faith (atheists are covered!). But it's rather moot. Out of time to make a claim, can't prove any of it, and well under a years employment - so no unfair dismissal or redundancy rights.

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Believe me if I told people what I have seen and what goes on behind the scenes at that company/Church you would not believe me!

 

My hubby and family were very shocked by some of the things I told them . My mother in law is religious, she goes to Chapel every week and helps raise funds doing raffles etc. When I told her about the goings on she was deeply shocked and saddened that a 'church' could do what they do.

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Hello there.

 

You might have signed a secret form, but if as papasmurf says there are 'fiscal irregularities', then I personally would rat on them to HMRC who would be very interested. The 'church' would have no way of knowing who did it, could be a disgruntled church member for all they know.

 

HB

Illegitimi non carborundum

 

 

 

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They had people down on their books that weren't working there. They regularly took donations (some for very high amounts) even though they do not have Charity Status.

 

They also have a nursery on-site both private and public. They have started turning people away from their nursery unless they attend the church.

 

They promised the council when they were granted permission to build the conference centre (and received grants) that it would create atleast 20 jobs with more to follow, which it has, but all employees are members of the church.

 

They never actually wanted it to be a conference centre they originally asked for permission to build a church which the council refused.

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They had people down on their books that weren't working there. They regularly took donations (some for very high amounts) even though they do not have Charity Status.

 

Sounds very much to me that they are money laundering. The regular donations being the 'dirty money' and the fake employees being the means to get the money back out into the world clean. That money must go somewhere, so I assume the fake employees have fake bank accounts and that money then is forwarded to the origin. Interesting that a 'church' is the instrument and that they are so tight. Any bank managers in the congregation?

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Have you thought of contacting the Police or HMRC? Sounds very much as if there should be an investigation and sometimes the 'in' starts with some low level ex employee who has relevant information is just what they need. Is that something you would want to do?

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Hello again. Papasmurf, that's an interesting take, not quite what I was told about money-laundering. I thought to be money-laundering, it had to be funds from criminal or dodgy activities. But you may know more than I do. What if they're genuine donations?

 

Laalinz, I really think you should consider what papasmurf and Callumsgran said and report them to HMRC, for either money-laundering or maybe tax and NI evasion, I don't know yet. Do you know who the donations were from? HMRC have information about reporting suspected fraud, etc on their website and guarantee you anonymity. You can fill in a form online or speak to them or write if on due reflection you think it's the right thing to do.

 

SarEl or someone with legal knowledge, would the secrecy clause mentioned earlier be enforceable now? And if it really is fraudulent activity would that make it invalid? I'm just guessing.

 

My best, HB

Edited by honeybee13
forgot papasmurf, sorry. x

Illegitimi non carborundum

 

 

 

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All the donations are from people who attend the Church.

 

I think I will let HMRC know that it might be worth investigating them. Like you say I don't have to give my name and they would never know it was me.

 

Something stinks with the whole thing.

 

They ask every1 in the church to gift them a thousand pond a year to 'help them grow'. Obviously not all will do it, due to financial circumstances but at lot of them do, they spread the payments out and pay monthly. I have seen the letters they send out to people saying your first payment of £83 is now due.

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Hello again. Papasmurf, that's an interesting take, not quite what I was told about money-laundering. I thought to be money-laundering, it had to be funds from criminal or dodgy activities. But you may know more than I do. What if they're genuine donations?

 

Hi HB I was just surmising on laalinz's take about it all being dodgy. In my experience when good and honest people pick up on dodgy behaviour then generally they are right and something is amiss. Obviously we have very limited knowledge of events and can only ever guess at what is actually happening which is why an investigation of some sort is necessary from the authorities with power to look into it.

 

"Donations" could just be that all legal and above board. They could also be drug money, stolen money, organised crime eg prostitution in fact any manner of illegally obtained money. What is certain is that laalinz is sure that these are being diverted to people that are "fake employees" and that definitely is not right and the people donating the money do so for the good of the church not to line the pockets of the managers relations.

 

As there is a flow of cash coming in either properly or otherwise and is at the very least being diverted in a dishonest manner that is certainly a cause for concern. laalinz used the plural "managers" when describing the people where the money is being paid to ie spouses and adult children so that assumes at least 4 fake employees and probably more. 4 lots of wages annually seems like a considerable sum of money and it is likely to be more than that.

 

All told this seems to me to be a scandal in the making.... church, money, dishonesty, religious bigotry, what more is there oh yes sexual scandal but at least that hasn't been suggested as yet !!! Laalinz have we got a full house? ??? and are these "large" donations from law abiding citizens do you believe or not?

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I don't think there is money laundering going on as such. But I do think they are deceiving honest Christian people. They think they are donating to a charity and this church (Cult) do not have charity status. Yes they do receive large donations (often left to them in peoples wills). One lady left them thousands which actually helped them build the Conference Centre/ Church.

 

All the Managers have family members on the books as taking a wage although not one of the did a minutes work in the building the whole 5 months I was there. I believe this is a tax fiddle.

 

No sex scandal that I am aware of so no.....no full house.

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