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    • As per my old and new posts all correspondences have now ceased from all parties hence me raising issue again.   If defaulted in January 2018, surely I should have been notified?    
    • Hi   I received a NIP for traveling 39mph in a 30 zone (mobile speed camera) in December 2020. As it is my offence, the police sent a letter requesting to know who was driving with three possible outcomes: speed awareness course, 3 points of contest at court. I provided my details and sent the form off.    The police sent me a letter this week asking for confirmation of my insurance... I realised that in October 2020 I removed a private number plate off the vehicle and notified the DVLA and the V5 form but I didn't norify my insurers.    I called the insurance company today and updated my number plate and they said technically I was insured and the vehicle was insured and it depends on how linient the police will be.    I am just concerned as the recent letter states possible prosecution for driving with out insurance with a possible fine and 6 to 8 points.    If they add that to the original 3 I might be given that would be 11 for a first offence.    Has anyone got any experience on this or any advice as I am pretty worried!    Thanks 
    • Tend to agree Hammy, but I think if you have a number of DD's going through every month and the reference/descriptions does not clearly identify what it is for, then many people would not have queried it.   How many people still go through their Bank statements regularly to check every item. ?  I have mobile Banking now and keep an eye on the payments going through, but when I had printed statements sent, i only checked them every few months.   Normally for Insurance refunds in these situation, the Insurers should consider refunds of up to 6 years, if it can be evidenced that the Insurance was of no value.  e.g. the Insurance was for a specific risk which is no longer owned.   The DD was set up over the phone as a variable DD amount and the Insurers should have issued communications about increases to the email or postal address provided for this purpose.  When the DD was set up originally D&G would have had to send confirmation of the DD terms and rights of cancellation etc.  You can try to ask Natwest for a refund under DD scheme, but you may struggle with this.    Ask D&G to look at your refund request again as a complaint and advise that if not settled, you will ask the FOS to review.  D&G would be charged a fee by the FOS if you went that far, so they may try to offer you a refund amount, to avoid this.
    • The state-backed savings giant has been accused of abandoning older customers in its drive to axe prize warrants to save money and paper by only consulting customers with an email about the change. View the full article
    • Savers who put £10,000 in the average tax-free cash Isa ten years ago would now have £9,772, new research shows. This is because inflation has outstripped the interest earned on savings. View the full article
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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
      • 31 replies

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I am in the process of moving out and have had 7 years of on-going problems with my landlady, recently I spoke to one of her other tenants whom she is evicting, this teneat informed me that the landlady had discussed all my personal and financial details with her, this other tenant also knew almost everything about my circumstances for moving, my son's medical condition, and my financial situation. I have never met this other tenant before today so it would not have come from me.

 

can anyone advice me on how to deal with this as she has also been telling me about the circumstances of some of her other tenants.

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If she is telling you about other tenants and that makes you feel uncomfortable : ask her to stop.

 

You can inform them she is giving out their details but her telling you does not cause you any harm / loss.

 

You can tell her you are aware she has been giving out your details, and ask her to stop.

In terms of action against her : do you feel you have suffered any quantifiable loss or harm?

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