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    • https://tinyurl.com/y484rmfk   A  Secure tenancy is Assured by 1988 Housing act   A Protected tenancy is Regulated by 1977 Rent act which is yours   Both have Grounds for possession order.   The grounds you have quoted are from 1977 Rent act, schedule 15, section 98 which are discretionary   If the LL has issued the correct "Notice to Quit" you need to show it to a Solicitor ,CAB or Shelter check to see if its correct notice   Read on https://tinyurl.com/y3cdaq8s   Can you upload a copy of the NTQ in adobe form to CAG with person details Blank out
    • LOL   Four years after he kicked off the Trump presidency by lying angrily about the size of the inauguration crowd, the former press secretary Sean Spicer has applied to join the White House press corps.   The former Republican party official now hosts a show, Spicer & Co, on the hard-right and conspiracy theory-tinged Newsmax network.   https://www.theguardian.com/us-news/2021/jan/19/sean-spicer-trump-white-house-press-corps
    • I was going to go back to them tomorrow and ask them to explain why they have ignored almost all of the points I have made to them. I was also going to advise that I cannot be expected to raise 1800 in 2 days and that Surely that is going against all the ethics they should be promoting as part of CCTA and FCA. Also they say they cannot hold my account due to debt management company as it has already been escalated. Surely that’s nonsense also.    I also made a complaint re the enforcement officer who initially contacted me. I will put up a copy of my complaint to them and their reply.    Photo.pdf
    • 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.
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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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My husband has run into difficulties with Wonga, the emailed him to say that his payment has bounced but it seems from internet banking that they have taken part of the payment - how do we go about getting this back, we have requested a repayment plan and I have sent a letter saying they are no longer authorised to take monies from his debit card - any other info greatly received and thank you in advance for your assistance.

 

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Yep. If they cant take the full amount they will debit the account up to 5 times a day and take smaller amounts. You should declare ur card lost to the bank, not just get a new card cos those card details are still active for a period of time still...if u report it lost, its blocked straight away.

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Yep. If they cant take the full amount they will debit the account up to 5 times a day and take smaller amounts.

 

Which is a violation of OFT guidance and MUST be reported and not ignored or shrugged off.

 

To the OP, you need to instruct your bank in writing, to cancel the CPA that exists on the account and deny any and all transactions to the lender. The bank will say they cant, but the law says different.

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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Is it renegaide..Never knew that! Happened to me a long time ago, they took money from my account 5 times in the day just little amounts but never thought it was a voilation as there site says thats what they do x

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It doesnt matter what they say they can do, the law and regulation say different. Weve seen it here hundreds of times, including some posters where they had their entire account stripped in £20 or £5 transactions over the course of a few minutes. The bank tried to say they couldnt do anything and it took the intervention of the FOS and court action by the poster to sort things out.

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

:D

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FOS charge the lender just to investigate and the majority of the time got the poster their money back. The thing is, all this takes a lot of time. Thats why we advise people to get their finances secure BEFORE you inform them that you will default. Then if the bank decides to not follow your instructions, you can simply get a complaint in, issue a LBA, then take them to court where you are pretty much guaranteed to win. So long as you have followed the rules the whole time.

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

:D

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