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    • Thanks, everyone . You have been most helpful
    • Thanks for your comments which are much appreciated.   I did receive my own NIP and have notified the Police, in one of my letters, that I was the driver of the vehicle.    You raise an interesting and valid point about the Registered Keeper perhaps not being the leasing company; I had missed that. I think that my next course of action is to ascertain who is the RK and ask when they received their NIP.   The Police say that an NIP was sent out on 15/12/20 , a few days after the alleged incident. So, based on what you have intimated, they are probably not bluffing and, if so, I am stuffed. I am now tempted, as one final roll of the dice, to ask them to send me a copy of the original NIP along with proof of postage.    Its annoying as I was only doing 36 in a 30 mile area. However, at he end  of the day, it's not critical as I have clean licence with no other points.   Thanks again for your help.    
    • hello. yet another update for the case vs roadstar. ive had a notice of transfer of proceedings on the 12th february.   the small claims team has arranged for my case to be transferred to a hearing centre as they were not able to arrange mediation at this time.    the problem that im having is that i cannot get any garage mechanic to help me, or write statements, or basically get involved. i guess it will be my statement alone?
    • Hi.. I would like to give you the case number, but I am concerned about Disclosure as this reference if accessed will have all my personal details. Not sure if this would be accessible by anyone but a Judge etc... Hopefully, someone on this site may know..   Regards Tom
    • Magistrates liability order hearings are simply Council staff attending the Court to allow the Council Taxpayer opportunity to provide information about ability to pay, to see if a payment arrangement can be entered into. It is an administrative process as already explained.   If you have already provided all available financial, health and other information to the Council and they are proceeding to obtain the Liability Order, this is because it enables them to use all available means including bailiffs or deductions from benefits to obtain the Council Tax arrears.   Can I suggest that you make a complaint to the Council about them not taking into account your health and hardship circumstances. Argue that they have treated you unfairly by not giving you opportunity to have your ability to pay Council Tax reviewed and this has been detrimental to your health and wellbeing.   By making the complaint, hopefully this will enable them to work with you to fully address what help the Council are able to offer. I.e. is the Council Tax amount correct with any reductions applied, have all payment options been discussed, can Council waive costs of obtaining Liability Order.
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    • 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
    • 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
      • 33 replies

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I'm sticking with we are going to win the World Cup, as I said, 'Roy could pull off some surprises'.

Upfront quite a bit of firepower,

Rooney (17) Sturridge (21) Welbeck (9) Lambert (13).

 

Pepe Mel gone too.

 

yeah, in the circs, thats prob the best can do. sterling in for walcott/townsend.

 

tim leaves his spurs, unsurprisingly.

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Well it was tweeted, blame goes to those who run the team and not to those who run the club. One thing comes to mind, selling Bale and then there's the bad spends.

 

I bet it's not long before Tim works his magic for another club....................... your loss Spurs board

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I'm sticking with we are going to win the World Cup, as I said, 'Roy could pull off some surprises'.

Upfront quite a bit of firepower,

Rooney (17) Sturridge (21) Welbeck (9) Lambert (13).

 

Pepe Mel gone too.

 

bit concerned re the defence, but seems the best can do. thought stones wld be in the main, hes done well.

IMO

:-):rant:

 

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I wonder why?, biased by any chance, you should be rooting for your neighbours, spurring them on.:-)

 

I hope Hull win tday:-D
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knowing Arsenal, yeah Hull prob will win, I am a fan of the gunners! lol

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

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gunners will have all their guns blazing, but want hull to win :)

 

city (and others) been reprimanded under financial fair play rules, a 'suspended' fine...! hmm.

 

rumour has it Levy is so confident of appointing Sotons Pochettino as new spurs manager that he (Levy) has already lined up a replacement for Poch :)

 

first time win for st johnstone

 

hull 2-1 up!

IMO

:-):rant:

 

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Arsenal have no defence or attack as normal, do they actually want to play!

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

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I hope Hull win tday:-D

 

I'm neutral, I want Hull to win :-)

 

I would like Hull to win as well, but I think Arsenal have just scored and equaliser :(

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They scored from a corner, the corner was given in error. Hull's second goal was a bit suspect, Hull moved the ball 9 yards for their free from which they scored. Hull helped get us relegated too:-(

 

I would like Hull to win as well, but I think Arsenal have just scored and equaliser :(
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Extra time by the looks of things..

 

Awww, Rebel, I am sorry that Hull were responsible for your relegation.

 

BTW, I am not a football fan.. I hate football.. I just think that Hull supporters have had a rough deal from the Owner of the club and feel a little sorry for them.

 

I supported Sunderland for the FA cup in 1973 :lol:

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Are you that shouldn't read 1873:madgrin:

 

Extra time by the looks of things..

 

Awww, Rebel, I am sorry that Hull were responsible for your relegation.

 

BTW, I am not a football fan.. I hate football.. I just think that Hull supporters have had a rough deal from the Owner of the club and feel a little sorry for them.

 

I supported Sunderland for the FA cup in 1973 :lol:

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Are you that shouldn't read 1873:madgrin:

 

oooh..... :lol:

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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:noidea:

 

Ah well, never mind :)

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:whoo: at long last! Hull played really well though

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

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good game

roll on the play off finals next weekend, and then the world cup :)

atletico spanish champs, nice one. now just the champs league final to win. squids in :)

IMO

:-):rant:

 

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as expected, van gaal appointed manure boss, giggs as assistant.

 

scudamore avoids the sack!?

IMO

:-):rant:

 

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What World Cup :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Apparently the Scots have got an invitation to the opening ceremony as they didn't qualify for the competition:-)

 

Remember you've qualified for the 'highland games'.

 

What World Cup :)
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transfer silly season begins, city's Toure already up for a move cause noone gave him a cake (or a Bugatti) for his birthday :)

 

whats your goal of the season?

IMO

:-):rant:

 

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