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    • Summary of Camerons being pulled up before the school board for getting caught:   1. He wanted to work for a fintech rather than a bank, but none of either would have him so he went to work for Greensill   2. Yes he lobbied desperately for taxpayer and NHS money while the firm was collapsing, but he was refused - so no fault eh?   3. Would he do something different? - yes he would have picked a wind and piss ponzi company that would pay him loads of money that wasn't quite so close to collapse so his lobbying would have more time and the issues be less obvious.
    • I've suggested twice that you list up the items which were damaged and costs and so far you haven't done that. I'm not sure why not. In terms of the liability of the gardener, it seems to me that there is a (negligence) duty of care owed by the person who was on your roof and I don't think there is any problem in establishing that. The fact that you are in Scotland doesn't pose any special difficulties – although in terms of the court procedure for this, this is something that I'm not especially clear about and frankly I think this website is a little weak on Scottish procedure. However, we will help you and it seems to me that your action is definitely against the gardener/person who was on your roof. In the event that you won't able to enforce the judgement against that person then I don't think they would be much difficulty in enforcing the judgement against the insurer because under the Contracts (Rights of Third Parties) Act 1999 you enjoy third-party contractual rights unless they are expressly excluded by the insurance contract – and that is unlikely to be the case here. I think the first thing to do would be to establish the liability of the gardener. Once the gardener realises that you are going to be pushing ahead with this claim, I would imagine that they would refer to their insurer pretty quickly. Of course that won't necessarily solve matters. You will find that dealing with the insurer is a slow business and they will try to reduce the size your claim – but we will help you deal with them as well. No point in standing any nonsense from an insurance company.
    • Thanks for replying.    I am still making a £1 a month payment on the Loan to Sainsbury's - do I stop that now?  The £1 a month payment on the Credit Card Sainsbury's stopped taking so that has ceased.  What can happen if I stop the £1 a month payment on the loan?  Are Arrow Sainsbury's in disguise, I ask that because my SO is still to Sainsbury's not Arrow.   I suspect they havent got the documentation and all the latest letter was was an attempt to get my email address, so, no, I wont be supplying Arrow with that.
    • Must be done by way of an application with fee but it wil bel pointless making that application on the same day due as they will always allow leniency to a certain degree.   Best to check with your court say Monday and see if they filled with them and by which time they may have served you also.   Andy
    • Hi all,   I'm looking for a bit of advice please. I am yet another person who has fallen victim to Packlink / Hermes losing my package. I sold an Xbox One S through eBay for £166 on the 25th of April and it was collected from the Parcel shop on the 26th. The only time it was scanned was on collection, it doesn't even look like it made it to a depot. I didn't pay the extra insurance through Packlink and I've been refunded £25 even though I refused to accept that amount from Packlink, I asked Packlink to give me a full breakdown of the investigation from Hermes for their declaration of lost and they've just stopped responding to me. I have been trying for days to get someone from Hermes to speak to me, I've emailed the CEO, emailed Hermes Support, started a case on Resolver and nothing, I haven't been able to get a single response from anyone. I've seen the advice on various other posts about going down the legal route which I'm more than happy to do, but I can't even get a response from them. Can anyone give me a bit of advice as to how to even get in touch with them?   Thanks toys
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 33 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
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what is the fca? just a rehash of what was? resetting the clock? start from the beginning again? more talk, meetings, consultations, etc before anything gets done, if at all? and if not, then start allover again with the fea (financial excuses agency)

IMO

:-):rant:

 

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hi determindator

was just a post in cynical jest! am aware of its forthcoming!

Edited by Ford

IMO

:-):rant:

 

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hi :)

my thoughts mean nothing to them :) . and they know that. but, the reality usually is as per my thoughts. politics. you know.

Edited by Ford

IMO

:-):rant:

 

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Well if people don't make their voices heard, you can be sure that nothing will change.

 

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indeed. 'what if'. but, even if people voice their concerns, not necessarily heard :) , it is still down to their policy. things can only usually poss change at electoral level, if they stick to what they pledge, which is uncommon. legislation/policy rarely changes mid term. its a policy of appeasement, with financial cost saving in mind.

Edited by Ford

IMO

:-):rant:

 

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Well if people don't make their voices heard, you can be sure that nothing will change.

 

Very true!

 

One person shouting alone, is just that - but if every person in the whole world shouted together, there would certainly be some noise!

Life is like an echo, it all returns......The good, the bad, the false, the true......So if you give life the best you have, the best will come back to you.

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that's just it. usually just noise to them. depends on the politics whether they listen or not.

Edited by Ford

IMO

:-):rant:

 

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that's just it. usually just noise to them. depends on the politics whether they listen or not.

 

You're not wrong there Ford!

 

Unfortunately, they only seem to "listen" when they're looking for votes - or to people who are in favour of their policies!

Life is like an echo, it all returns......The good, the bad, the false, the true......So if you give life the best you have, the best will come back to you.

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lots of strikes, demo's etc recently (not saying that they're right or wrong), but will a gov't lend an ear? only if it serves their purpose. recent swing in councillors may persuade the current one. take the bankers. they pretty much have a controlling say in any gov't of the day, so it's always best to keep them happy although maybe not on the public face of it. hence the fca for eg maybe being just an appeasement. time will tell.

IMO

:-):rant:

 

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