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    • "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." Cheers I've no problem posting up the list of damages but curious why this is relevant? 
    • 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 back into its natural state puddle of poo and wee, 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 efforts would have more time and the issues be less obvious, so he would get the bucket loads of money promised him.
    • 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
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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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hi guys. have posted before about other payday lenders. i have managed to pay off pduk, minicredit and pounds2pocket.. i now only have PDE and wonga left to pay off. unfortunately i lost my job as the start of july. i had money in my account for PDE at the end of july however they never lifted the money. Im currently trying to talk both wonga and PDE to lowering my payment plans as when they were both made i was employed. PDE have said if i dont make a payment of £120 by the 31st august, it will be passed to their legal team... wonga want me to pay £80, however i have been in email contact with them and hoping they will lower it. but im really worried about PDE. i told them at the time I had lost my job and he said it didnt matter i had a payment plan... (which was made when i was employed) and it could be changed. he said i was already so many days overdue on the payment plan and once 31st passed, it would be passed to their legal team.... what on earth do i do?! im terrified?! im actually more scared of this £240 debt i have with them than i was with any other company... what do i do?! any advice would be greatly appreciated.

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Work out a full income and outgoings form. once youve done this, create a simple budget summary for your creditor and offer them a repayment plan that you can realistically afford.


Sign it as a decleration of fact and of they refuse to agree to it then they are breaching oft guidance.


Also make sure you secure your money and tell them that repayments will only be made by standing order.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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