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Letter received from Cabot - "Unfortunately do not have relevant information on file" Requesting from original lender. Will write within 12 days with an update. Requesting I get in contact to make a plan. Suspect they will get a CCA from Lloyds so ned to think of how to proceed if they do supply one. Lloyds did cancel the credit card and accepted £5 per month and no interest. Do not want to pat the DCA. -
£18 billion on PPE instead of £3-4B max £22 billion on trace a test instead of about £2-3 at most as in other countries for doing better £500 million on eat out to spread the virus instead of 150M to feed kids and support local businesses Thats £35+ billion in taxpayer money wasted -
By BankFodder · Posted
Sorry but I don't necessarily agree with my site team colleague above. I'd like to see diagrams and understand the situation fully before making a judgement. I've been asking for a diagram since Thursday evening – and I'm still not sure why we don't have one. I understand that the van was pulling out from a parking position. -
the van was stationary when hit..... sorry end of the matter. it doesn't matter he p'haps 'did something wrong' its like say running a child over and saying well if he didn't run in the road he wouldn't of got hit.... you should not have been driving in a manner be it legal or not, whereby you could not take the necessary actions to avoid it. so where do you now stand, what is not resolved to a manner which you feel this is unfair to you... -
By Ethel Street · Posted
I agree with HB that you need advice from a specialist solicitor. There are potentially Inheritance Tax issues here and your father's dementia, if it means that legally he no longer has the mental capacity to make decisons is a further complication. Do you hold PoA for your father? Your planning assumes that your father dies before your mother but it may not happen that way. A solicitor will draft Wills to deal with either eventuality. If your father dies first and your mother wants to sell her house there's no need for her to first transfer it to you to sell it on her behalf. I'm sure she could give formal authority to you to sell it on her behalf, a solicitor could draft the necessary authority. Alternatively, and possibly better, would be for you have formal Power of Attorney. Again you need a solicitor's advice. I sold my mother's house under PoA when she lost mental capacity through dementia. She needs to sign the PoA while she still has mental capacity. Is your father currently sole owner of the house they are both living in?
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Our picks
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Post in Bailiffs in at BBC obtain 7 years interest on overpayment of TV licence
Its WAR posted a post in a topic,
I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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Post in Court Claim Against Hermes - item sent via Packlink was lost/tampered with **WON at mediation full amount **
jj58 posted a post in a topic,
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!
Picked By
BankFodder, -
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***Hermes and mediation hints ***
BankFodder posted a topic in Postal and Delivery Services,
Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003-
- 1 reply
Picked By
BankFodder, -
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Natwest Bank Transfer Fraud Call HMRC Please help ***Refund in Full***
waz70 posted a topic in NatWest Bank,
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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waz70, -
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