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    • I felt outmatched to be honest. Lowell probably did identify me on here and decided to send one of their more experienced. The guy they sent to last hearing didn't sound half as competent. The solicitor and judge were pretty much talking amongst themselves. That's how it felt. The Judge understood and accepted what the solicitor said at every point. She accepted fresh start as a brand name only. She accepted all the evidence were copies. She accepted I entered into a valid agreement. She accepted the error on the default notice was a typo. Felt like I lost before the hearing. If not, I wasn't able to express my points well enough. Not like the claimant who I'm sure was giving a law lesson. Completely out of my depth. I didn't ask to appeal. I'm upset understandably but grateful for all the help and support I received here. I've learnt a hell of lot but hope to never need it again.
    • FAW counts Red Flag limousines, used by China's communist party leaders, among its products. View the full article
    • Thanks for your reply...much appreciated. Last payment date was December 2018. She had been paying £50/month from July, and they wanted £150/month, despite my partner losing her PIP (which was eventually reinstated after appeal). She stopped paying anything after they failed to supply a true copy of the original CCA (which she took out in 1981). Her name and address were different in 1981 due to marriage (and subsequent divorce!). Again, no mention of that in the “reconstituted” agreement which they supplied. Once again, many thanks and we both appreciate you putting time in to helping with this, especially due to the increased financial pressures of Covid on many people who also need your help.
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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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      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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New Research Reveals Lack of Awareness of Support for Fuel Costs amongst those on low incomes


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*** NEWS RELEASE **

 

NEW RESEARCH REVEALS LACK OF AWARENESS OF SUPPORT FOR FUEL COSTS AMONGST THOSE ON LOW INCOMES

A new survey commissioned by Turn2us, part of national charity Elizabeth Finn Care, has found that people on low incomes are unaware of the potential support available to help with their fuel bills. This is despite the fact that nearly two-thirds (64%) of those surveyed are uncertain if they can meet these costs this winter without experiencing financial hardship.

Over a third (37%) of people living in low income households* have never checked their eligibility for welfare benefits and tax credits, and over two-fifths (45%) are currently not claiming benefits that they may be entitled to. Claiming benefits entitlements can not only boost income to help pay fuel bills but can also act as a trigger for eligibility from various fuel poverty programmes.

The research also found that over two-thirds (70%) are unaware that energy suppliers have to offer cheaper ‘social tariffs’ to their most vulnerable customers and over two-fifths (43%) are not aware of the government’s Warm Front scheme which provides funding for insulation and heating improvements – despite the fact that they are on a low income and could be eligible for assistance from these schemes. Furthermore, over one in three (36%) have never or can not remember when they last checked they were on the cheapest energy tariff available to them.

These results are particularly worrying in light of the findings that the costs of last winter’s fuel bills caused over two-fifths (44%) to feel stressed, nearly one in seven (14%) to suffer illness or physical pain as a result of cold conditions and over one in eight (13%) to fall behind on their bill payments.

Shockingly, over half (55%) said that if they were struggling to meet their fuel costs, they would resort to switching off their heating altogether or only heating one room at a time and two-fifths (41%) would cut back on other essentials including food, yet only 6% would consider approaching a charity to see if they were eligible for a grant.

The official definition of fuel poverty is where a household has to spend more than 10% of its income on fuel to maintain an adequate level of warmth. There are currently an estimated 4.75 million households in fuel poverty in the UK, around three-quarters of which are on a low income**. Turn2us is running its second annual Acting on Fuel Poverty campaign throughout the winter to highlight the support available to those struggling with their fuel costs, and has launched a dedicated campaign microsite at www.fuelpovertymap.org.uk.

The microsite directs users to sources of help including the Turn2us Benefits Calculator to work out which welfare benefits and tax credits they might be entitled to, the Turn2us Grants Search database which provides access to over 3,000 charitable funds, information pages on increasing energy efficiency and energy efficiency grants, and a link to the Which? Switch energy tariff comparison tool for users to check they are on the best tariff available to them. The microsite also includes an interactive fuel poverty map for users to find out, according to the official definition, if they are in fuel poverty and compare different areas across the UK.

Alison Taylor, Director of Turn2us said: “Our latest research findings show that there is a need for individuals and families to have access to clear information and independent guidance to help them find support with rising energy costs. Our fuel poverty microsite brings together a number of tools which are free to use – all in one place, which can help households identify whether they can maximise their income and reduce their energy costs ahead of the arrival of their winter bills.”

Helen*** worked as a nurse for many years before she had to leave work due to ill health, and on a limited income, she found herself struggling with her household bills. Her house was damp and living in a rural village, Helen would travel to the nearest town library once a week to keep warm for a few hours. It was here that searching on the internet, she came across Turn2us. Helen identified through Turn2us that she was eligible for a charitable grant which paid for the damp in her home to be fixed and gave her some extra money to put towards her bills.

Helen said: “The money I received has been a lifesaver and has had a huge impact on my quality of life. I now live in a warm home and the extra money for bills has really taken some of the pressure off.”

Turn2us is working in partnership with a number of charities and organisations across the UK for the Acting on Fuel Poverty campaign, who will help to increase awareness of the help available for those in fuel poverty and how they can access it.

For more information about the campaign, please visit www.fuelpovertymap.org.ukand www.turn2us.org.uk.

Edited by citizenB

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