Jump to content



  • Tweets

  • Posts

    • "With both vaccines, the goal was to be well above the antibody levels of persons who recovered from the natural SARS-CoV-2 infection. In other words, if we could immunize to antibody levels above natural immunity, we would consider the vaccines to be successful. The Phase I trials of these vaccines showed that it took two doses of mRNA to get above these natural levels."   "Both scientific papers on the Pfizer and Moderna vaccines show results that say the vaccines seem to start working 10-12 days after the first dose. These trends, which show protection versus placebo, are extended out for the next four months, with increasing protection. The data after 21 days for the Pfizer vaccine or after 28 days for the Moderna vaccine, however, show the results of the second dose, since everyone in these trials received two doses. Whether high levels of prevention were achieved or sustained with just the first dose is unknown."
    • It may be that gold does not come within the definition of goods for the purposes of consumer sale of goods legislation You will have to do some research on this
    • I agree to the first couple of paragraphs in the Johns Hopkins article that the vaccines have been tested with a particular interval between the doses.   I said already that I don't agree with messing with the timings and worry that the benefit of the first dose could be reduced or lost completely if it isn't followed up at the right time. I can't remember where I read it yesterday but I saw a headline that Israel has found covid cases after people were vaccinated the first time.   ETA: Not the article I was thinking of, but this is along the same lines.   https://www.theguardian.com/world/2021/jan/19/single-covid-vaccine-dose-in-israel-less-effective-than-we-hoped
    • I think handcock and dodo should sign up for this   https://www.coursera.org/learn/covid-19-contact-tracing
    • https://coronavirus.jhu.edu/vaccines/blog/two-doses-or-one-covid-19-vaccine-regimens    
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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
      • 31 replies

#repossessions : Acenden / Capstone Please its driving me to a break down


Please note that this topic has not had any new posts for the last 1645 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I think you tick "Not allocated"

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites
  • Replies 167
  • Created
  • Last Reply

Top Posters In This Topic

If he said you have permission to apeal, then state Yes.

 

Did you do the list of payments due and payments made like Leah asked in a previous post - we will need that

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Great - one more thing - do you have anything from the HA confirming your joint ownership? (nearly there)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

OK, below is the list of Appendices - on every sheet of paper you attach to the form you need to write the Claim number on the top left hand corner and the Appendix number on the top right hand corner:

 

 

Appendix 1 is the HA information.

 

Appendix 2 is the mortgage statements showing the charges and rent payment.

 

Appendix 3 is your calculation (on a plain sheet of paper) showing the payments you have made, cross referenced with your bank statements (circle the payments on your bank statements with a red pen).

 

Appendix 4 is the budget sheet and payslips for yourself and your wife.

 

Appendix 5 is the letter from your employer regarding your increase in salary

 

Affixed is the sheet with the numbered argument for Section 6

 

I need to leave you with this for an hour or so (I've got 50 cupcakes to decorate for a colleague's birthday tomorrow). I'll check back in when I've finished.

Maye N161 Statement.doc

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

How you doing with the form & appendices?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

I need to log off now but I'll look in again when I get to work in the morning (about 8.30)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

I shouldn't think there will be a rep from Acenden as they won't know you are appealing.

Make sure you have a photocopy of everything before you get to the court.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites
Nearly done now. Just hope it works. If it doesn't is that when I talk about the ha rescue to the judge

 

Make sure you use the correct terminology - it's flexible tenure - the judge might not know what it is, but that is unlikely. If he doesn't, explain that it is the equivalent of mortgage rescue for shared ownership properties.

 

Good luck.

Link to post
Share on other sites

Went in at ten straight into court. Had a good circuit judge. He said that I needed to get permission to appeal which is what he was doing. He could not believe there charges and how hard their statements are to read.

 

He asked about circumstances and was very understanding. He said he would give me permission to appeal on the grounds I had a good chance. He said I have to keep up payments and go back at end of month but he suspended the eviction

Link to post
Share on other sites

He also said to bring all my evidence again and he would not like to see me and kids evicted when my circumstances are better than previous. Thanks to everyone on here. Leah and Ell-enn have been amazing and ultimately kept me in my home. I will now start the procces of securing my home and getting my finances sorted.

Link to post
Share on other sites

That's great news - well done:) it must have been a very stressful morning for you but try and relax a bit for now, then make a start on what you need to take with you to the next hearing. If your June payment is due make sure it's paid on time and get a printed receipt from your bank (internet banking?), similarly with the July payment so you can take both these receipts with you to the next hearing.

 

Also ensure your rent is paid on time and get receipts for that too.

 

You wil be safe if you make payments exactly as you're supposed to - that judge has given you a chance, don't blow it by not conforming to your payment arrangement/dates etc.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

It's made me sick this weekend. I was thirty on Friday and what a day it was. Anyway maybe it is what I needed. I came within 30 minutes of loosing my home. When the kids are in the bath tonight they can make as many wet patches on the floor they want and I'll not say a word.

 

 

 

Would making a little extra payment this month look better for me or should I just stick to the order. Just found out my wages that come in this month have extra in due to a small payrise that the union have been disputing has been back dated. It's about £400

Link to post
Share on other sites

I am so pleased for you!!! If I were you, I would make any additional payment you can, it can only go to support your case next time you are in court.

Link to post
Share on other sites

Thanks slgsue. I feel so relieved. Without the people on this site I would not have got this far. I can honestly say that I am determined to never be in this position again provided all goes well next hearing. The circuit judge asked me my kids names and said phone your wife now and tell her the news. I apologised for being in my work clothes and he said you owe me no apology. He let me speak whenever I wanted and I called him sir a few times by mistake and he just smiled and said don't worry. .

Link to post
Share on other sites

I'm so glad you got a sensible judge, but you do have to realise that you have had a very lucky escape. I doubt very much if you would get the same outcome if you were to miss payments on the arrangement. Your top priority every month has to be the mortgage and rent payments, that will keep the roof over your head. Try to stick to what you have put in your budget sheet - it's always a good idea to keep it handy for reference.

 

The next thing we have to address is capitalisation of the charges etc. Do you have any thoughts on selling your share back to the HA?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...