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    • https://www.biospace.com/article/comparing-covid-19-vaccines-pfizer-biontech-moderna-astrazeneca-oxford-j-and-j-russia-s-sputnik-v/
    • I called my GP surgery and offered to jump in car and turn up at no notice if they got no shows and was told 'thats simply not happening' When I pointed out that the BBC had raised the issue I was quite bruskly interrupted (unusual at my surgery) and told the media is spouting rubbish which is helping no-one.   I do know that hospital/vaccination center staff are/have been given doses from failed attendances. presumably managed locally   We need to understand that patients can call again, but the vaccination doses are and will remain for some time limited and waste (including relying on others turning up after one failure to turn up) is to be avoided at all costs   There is also the issue of managing the second dose (errr) for those who are given one out of sequence. Let alone any questions regarding that being 'approved'     Personally I would be happy getting one dose early whatever happened later.  (one different vaccine, two matching, no other, whatever)  
    • A cross-party group of 70 MPs are pushing for buy-now-pay-later firms to be regulated within three months View the full article
    • Slightly off topic , just a quick question    another debt with Capquest - been ignoring for ages as refuses to supply signed docs and statement of account    finally supplied a list of transaction they say is from original creditor , but just an excel list of 29 transactions , no title , no account number ,  no headings   literally just a list of numbers on a Capquest paper - with Capquest small print in the footer .   obviously , I can see there is nothing to tie this list of numbers to me -    im looking for a good paragraph to send back    like *   Thanks for a list of numbers you have typed with no references , titles, account numbers or anything to show this is an original creditors statement , this is not my statement , and has not been provided by the creditor on creditor paperwork I j the format of a statement -  please provide as required the original statement as required by ..........     can you help ?   18-01-2021, 19:33 Office Lens.pdf
    • You arranged this delivery with P2G and I'm assuming that they used Hermes. This correct?   Were the hampers correctly declared? Was the value of the hampers correctly declared? –  You don't tell us what the value of these hampers was. Please could you tell us what each one was and the total.   Did you take out any of their so-called insurance?   In your first post you say that you are "… not really out-of-pocket." I take this to be a typo ??   Presumably you have sent hampers using the same companies before?   As suggested by my site team colleague above, please can you read thoroughly around the various Hermes stories in this sub- forum and start understanding all the various principles and also the journey that these claims normally take – which means a letter of claim, a County Court action, mediation – and then generally speaking, a settlement.   It is highly likely that your claim will have to follow the same route and you need to be well prepared to understand the principles involved and the steps to take.   In addition to reading up on the various Hermes stories on this forum, you should also understand the steps involved in taking a small claim in the County Court.   You may as well start to familiarise yourself with this process because if you are running a small business and you are dealing with suppliers et cetera then no doubt you will end up having to use the County Court system again  and so you will be learning some very useful transferable skills.    
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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Hi everyone,

 

We are new to CAG but have found the information here invaluable - thank you everyone.

 

Our Picture Loan PPI was totally mis-sold to us about 4 years ago, we were pressurised to take the PPI cover (won't get the loan without it). I discovered the reality of the situation last month when I looked into covering the loan in with our standard Life Insurance, but when I called Picture (now Target) the advice that I was given was basically that it would be a waste of time cancelling their PPI as it only had a year to go and we were going to have to pay for it for the remaining term of the loan, which is another 6 years..! Talk about flabbergasted - a 5 year PPI on a 10 year loan, I never believed that we could ever have been so stupid :oops:

 

So thanks to CAG we investigated more, and realised that we are not stupid, we had just been kept in the dark, and only told what they thought they wanted us to hear so we would take the loan.

 

Well our initial questionnaire was completed about a week and a half ago and we sent it off to FSCS.

They must have been really on the ball, especially as the banks had just lost their appeal for PPI claims, and the Deloitte questionnaire arrived yesterday, and was completed today... so the countdown begins.

 

Does anyone have any advice/situations/further details that they can give me as to what to expect over the coming months? :?:

 

Good luck to everyone who is in the same situation.

Kaygee

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By the way happyhamr we put the name of the Insurance Company (I think it was AOW) into section E3 - I hope we were correct!

Kaygee

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