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    • https://www.theguardian.com/education/2021/jan/19/ministers-set-to-halt-plans-for-daily-covid-tests-in-english-schools   Seems to indicate the the lateral flow tests for schools was intended to be used as an all clear, rather than as an extra trap. Recipe for disaster that approach.   A further nail in the deputy chief lie mongers' flagrant mis-assertions of suitability.
    • There must be, but what I've seen is patchwork/filtered/munged data   It also seems that a high % of the Israeli infections are apparently reported as the Johnson/Handcock/Kent variant  
    • I have previously posted about a dispute my parents have had with LL who has had little to do with the property they have rented for the last 35 years.   Fast forward to today, LL has applied for fair rent which was registered and the LL has finally brought the property to a safe standard following involvement from the local council.   We have received a new bombshell.. that the LL has applied for a possesion order under a notice of seeking possesion of a secure tenancy (NOSP).   Under grounds 3, 4 and 10.   I googled and found below:   Ground 3 –  Deterioration in the condition of the property The tenant, or anyone else living in the property, must have caused deterioration in the condition of the property or common parts. If damage is caused by a lodger or subtenant of the tenant (without the tenant's consent), possession will not be granted if the tenant has taken reasonable steps to evict that person. Ground 4 –  Deterioration in furniture provided The tenant, or anyone else living in the property, must have caused deterioration in the condition of furniture provided by the landlord in the property or common parts. Where damage is caused by a lodger or subtenant of the tenant (without the tenant's consent), possession will not be granted if the tenant has taken reasonable steps to evict that person. Ground 10 – Demolition or major works Where the landlord intends either to demolish or reconstruct or do works to the property and needs possession in order to do so. The landlord must prove that it intends carrying out works and such work cannot reasonably be carried out without obtaining possession.[2] If the tenant agrees to vacate the premises temporarily while the works are carried out then there may be no need for possession. The displaced tenant will normally be entitled to compensation.[3] See Problems during repairs for information on compensation for loss of home.   My question is, following the fair rent register and an agreement that parents were covered under the 1977 rent act we were under the impression this is a regulated tenancy, not a secure tenancy?? or is there no difference?   Its a private rent, not through housing association and the property has just been deemed as safe under by the council.   We have also never been approached by the LL to say they felt that my parents have caused any damage or deterioration in the condition of the property. If anything, over the years it has vastly been improved by my parents. We raised safety issue to the council following repeated attempts for LL to repair the dangerous electrics and blocked drains.   If there is no difference in the tenancy types, what should our next step be? any thoughts?   More info if needed in my original thread https://www.consumeractiongroup.co.uk/topic/421879-major-repairs-to-letting-of-a-sitting-tenant/?tab=comments#comment-5064284          
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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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Many many people fall into the same trap, and despite you hearing "calls may be recorded ....." it seems odd that when you state a conversation, it strangely wasn't recorded. It's all about intimidation and control. There are some genuine people out there who want to help, but they are outnumbered by the power mad egomaniacs.

Don't let it get you down, difficult as it may seem, but you have come to the right place with the right people and they will help you every step of the way.

Remember we may be living on the planet despair, but not too far away is the planet Hope.

OK own up, who swapped the A and I on my keyboard ? :D

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thank you again, I come here every time I have a problem, which has been a lot of times, and always found support and kindness from experts. The DCA, Banks, alll make you feel like a criminal, whenever you are just trying to do your best.

Santander has been bailed out have they not????

LilythePink

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You are correct, a quick google of 'santander bail out' revealed a mass of pages regarding that.

Again yes they do make everyone feel like a criminal, but saying that I have learned to give as good as i get. My favourites are.

"We will take you to court" - "Ok I'll get my suit cleaned and pressed, just make sure you turn up"

"We will add a default to your credit reference file" - "Thank you that will mean no more credit which means no more debt"

"We will send someone for a door step visit" - "Feel free, but they will be treated as a con artist, demanding money with menace, photographed and conversation recorded, and it may be forwarded to the police"

Yes I have used these in the past, and for some reason they were always followed by a long silence - lol

The weekend is here now so put things aside and enjoy the time, dwelling on it will change nothing, Start the new week with renewed confidence. :)

OK own up, who swapped the A and I on my keyboard ? :D

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Just had a look around the forum and found this which may be of interest for you, especially posts #4 and #6

http://www.consumeractiongroup.co.uk/forum/showthread.php?256241-please-help-creditor-refusing-to-accept-lower-payments

 

Hope it helps.

OK own up, who swapped the A and I on my keyboard ? :D

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thanks, will maybe afford a bottle of wine, and watch something funny on tv. You are right, beat them at their own game. thank you for all your help. take care

LilythePink

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Read that, and it is very helpful, and you do feel less worried when you read that they seem to think that you take out debt, especially not to pay it back. Most people are honest, and pay the loans back, but obviously its the tax dodgers they need to go after, not the underdogs.....

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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  • 2 weeks later...

I have a complaint in with FOS about Santander, and I have written to them, with our budget, and our offer of paying off the debt. Told them I would not be talking on the phone to them, but they keep sending letters, like today. Thanks for your letter, but will you phone us to discuss further..... Can they not read?

 

I am at a loss as what to do with them.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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HELP PLEASE with Santander, they have not contacted us by letter, to say they accept our payment of £30 and then upwards towards the arrears. I am a nervous wreck as the phone keeps ringing, and they hang up when I answer. They also leave messages saying to ring them. I am about to start repaying the mortgage and the money towards the arrears, but without a written acceptance from them, I feel they will repossess the house. Very very frightening.

LilythePink

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It would be best in this situation to phone and demand a response to the offer, the OFT Guidance says they should give regard to reasonable offers.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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I really don't want to ring them, as you get a different person each time, and they read from some kind of script, which is income and expenditure....

I have a thread of my own going, don't want to hijack this thread.

LilythePink

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Update, more letter Santander threatening legal action, and they say we haven't contacted them. We have sent them written letters, and I just sent an email yesterday. How can I get any of them to listen, and we can't even pay the mortgage, because we have changed banks, and the direct debit was cancelled by them.

Does anyone have the banking details for mortgage repayment.......

LilythePink

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Unfortunately Satans bank is without doubt the most incompetent organisation in the banking arena, daily the press financial columns have tales of their mega blunders and gross incompetence.

 

All I can say is complain,complain then complain again and escalate to the highest level within their heirachy, then report to the banking regulators.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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FOS have my formal complaint, but I don't have a name until now of who is sending these letters. Its a B Dougall.

 

But I would like to start making the payments as soon as possible, as I have the money, and money to start paying the arrears.

 

Can you pay them by internet banking? Who else can I complain to?

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Did you send your letters by recorded delivery ?

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

 

 

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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.

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Very nasty call this morning with Santander. I rang up to make the payment, and I ended in tears, they threatened me with court and repossesion, which I said any court in the land would not grant a repossession, as we hve been paying all along, and now want to start paying the arrears.

Very very nasty person, I ended up in tears. They have added my sister's cigarettes bill to our food bill, and then say it is too big. I said I had made a complaint to the FOS, they said they had never had a complaint from them. I argued with them for over 30 mins, and still they threatened me. Who else can I turn to?

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Anyone know if there is a SAR letter on here for Santander? Going to find out exactly what they do know?

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Standard template from CAG library, address to the Data Controller use recorded delivery check receipt the 40 days start the day they receive it.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 months later...

We got behind on our mortgage last year, but we only got back on our feet,

and Santander harassed us, had me in tears, and phoning at all times of the night and day.

 

We got them to accept an offer of £30 a month, on top of our mortgage payments.

 

They won't consolidate our mortgage arrears over the life of the mortgage, they also wouldn't give us a 3 month interest only period.

 

I was off with stress, and had only benefits coming in.

 

We have written to them, as it is now seemingly the end of that arrangement.

 

We have had phone calls on Sunday morning, Monday evening, and now another one at 8.00 this morning.

 

They will not correspond by letter, and they are driving us mad, with stress and worry.

 

Our house is worth about 200,000 and the amount we owe on our loan/remortgage is about 84000.00.

 

Please give me some advice on what to write to them, to stop these phone calls, as we got behind with a lot of payments, owing to only one wage coming in.

 

We are willing to keep on paying the £30, and have not missed a payment.

 

They are very very nasty people when you do phone them.

 

Need advice urgently, as I am totally stressed out with this lot.

 

I think I will go down to the G8, and ask them what to do?

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Hi there, if you can hang on for a little while I'll draft a letter for you to send to them and affix it here. Try not to get too stressed - you have been making payments towards the arrears consistently and they should take that into consideration.

 

How much are the arrears?

How long is left to run on your mortgage?

Is the mortgage in joint names?

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

 

 

This site is run solely on donations

 

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Hi there, letter affixed. You need to put your name where there are XXX's in the second paragraph. When you print out the letter make sure your printer is set for A4 paper (not the default Letter size) so it all stays on one page.

 

Send the letter by recorded delivery - keep a copy for yourself and staple the recorded del receipt to the letter. Check on the royalmail website a few days after posting and print off the signed for receipt - keep safe with your copy of the letter.

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Help us to keep on helping

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

 

 

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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.

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Just in from work, thank you so much. Letter from Santander on the mat, saying the arrangement has expired. The mortgage is joint, it is over another 15 years, and the arrears are £2376.

We have tried our best, but I was very ill with stress, and two burglaries, with two cars stolen, insurance premiums and obviously the price of living costs.

 

Thank you will do that letter tonight and post it tomorrow....

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Make sure you send by recorded delivery and keep a copy for yourself. Let us know what response you get.

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.

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