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    • Post hidden as FOS Complaint showed your name.   Redact, check through and repost if you want it back up.
    • Will do   dont understand  “f there's little or nothing to do with the debt or CCJ, that in itself is important.” Narrative mentioned 6 x payments of £100  for payment plan but not £2.5k. many thanks in advance
    • bet it doesn't say WILL anything a dca has ZERO legal powers to take anyone to court esp if they don't OWN the debt i'e they state our client is XXXXX   only the owner of a debt can do court.   and as a dca is NOT a bailiff etc etc let them huff n puff.
    • read the letter in post 23 here  Payplan - Cover My Life & Cover My Payments - Debt Management Plan Companies - Consumer Action Group it explains how the 3/6yrs works straight from the ombudsman's mouth.    
    • Hi, Everyone was so helpful with my last issue I am hoping for a bit more advice.   About three years ago I had a regular window cleaner company but they starting playing around. Firstly by randomly turning up to do the windows earlier than expected then one time they opted to come round and climb over my fence to do the back windows whilst I was out.  Then the fun started as they claimed to have cleaned the windows on two separate occasions but it was apparent they hadn't (the birds mess on the kitchen window was the clue) and they tried to bill me for the clean.   After two occasions of not cleaning the windows I stopped the direct debit system they used (go cardless) as I refused to pay for something they hadn't done. Queue the various demands for payment which I ignored. They sent letters in the post asking for £60 and a year ago said if I didn't pay they'd send me to the debt collection agency.    Today, I get a letter from elite debt collection in Sunderland asking for £72 for the window cleaning company as they are now acting for them with the popular if I don't pay in 7 days it's off to court threat.   Firstly,  as there was no signed agreement in place with the window cleaner firm can the debt collector add a fee to the alleged debt? Secondly, can they just rush off to money claim and take me to small claims without a letter before action?   I'm quite happy to defend if they did as they didn't clean my windows no matter what random invoice they may have on their systems.   Thank you  
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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 was trying to find a photo I had of something similar I found under the bedroom floorboards, done before I moved in here. The fellow had laid carpet, then put in built-in wardrobes on top. I needed to recarpet so once the old carpet and underlay had all been removed I set about screwing down floor boards which 'squeaked' before the new carpet was laid.

 

Curious as to the condition under the floor and being an old 1860's house I thought I'd explore so whipped a couple of boards up only to find that prior to the fitted wardrobes being fitted there was a socket installed on the wall as part of the ring-main which had a feed taken from it and connected to the gas boiler which sits in the end cupboard/wardrobe.

 

What he'd done is taken the face plate (the bit we can see with the on/off switch on and the 3 holes for a plug) from the wall socket and stuffed the wires to the boiler into the connection - effectively running a spur off the ring main but rather than putting in a junction box the proper way, he left the face plate with all the wires laying face-down and exposed without any insulation or cover (back-box even removed) and left it flying in the wind right underneath the water pipes to the shower room.

 

That was an expensive late-night call-out job to get an electrician in to rewire it all properly before the carpet fitters came the next day!

 

I'd be interested to know how you established the amount of leakage labrat as we have a similar situation in the kitchen. Every time I touch the microwave, I can feel the discharge of electricity through it. Not much, but it tingles and I don't trust this cowboy of a previous owner not to have done something similar to yours somewhere although to be honest, the wiring in the loft feeding the top-half of the house looks like it was done quiet professionally. It's the jobsworth who did the odd jobs after the professionals had installed the rewire I don't trust.

 

How did you work out the leakage?

 

cowboys always cost us a fortune don't they?

 

A1

Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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Currently wondering what noise a 3d printer will make if launched via an upstairs window...    It's not worked fully for a couple of months so I brought a new nozzle for it, only to get the

Said it every year so far but I think next year I bite the bullet and get aircon in the house   After all I will have paid off the car and it does heating as well - as our boiler nearly alwa

My thought today is that my boss is very un-accommodating. 🤨   I merely asked if I could take the next six weeks off so that I can find some remote island (hopefully somewhere warm) that had

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I'm still not sure I did it right I clamped the live and earth and the meter did the rest

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  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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I'm still not sure I did it right I clamped the live and earth and the meter did the rest

 

What kind of meter did you use? Was it just a volt meter? I've got one of those but haven't a clue how to use it...maybe I'll have to get another electrician to look at it.

Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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What about a Labour Lottery for the many not the few:-o Much smaller amounts of money for tickets could be 50p or less spreading the weekly pot over many people. National lottery now £2 odds are low to win.

 

Food for thought for a vote on that.

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What about a Labour Lottery for the many not the few:-o Much smaller amounts of money for tickets could be 50p or less spreading the weekly pot over many people. National lottery now £2 odds are low to win.

 

Food for thought for a vote on that.

the lottery is a rip, unless of course you win.

it is a business, and they wldn't be giving away the likes of 1m to 20m plus etc unless they were in profit, despite the contributions to 'good causes'.

as you suggest, make it not for profit. and/or reduce the odds. it'll then be seen that the jackpot is reduced accordingly.

IMO

:-):rant:

 

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Ryanair unacceptable attitude to this debacle does not surprise me. Mr M O'Leary came across to me in interviews as my way or the highway. I wouldn't say a very negotiable type seemed to treat issues with contempt. It makes me wonder all this bluster from the Ryanair side is a smoke screen and delay tactics for going out of business. Bankrupt? difficult for customers to get recompense then.

 

Ryanair should be made to refund or whatever the consumer rights are in each case now.

 

The cockpits look cramped to me, back of pilot chair nearly touching the door.

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Ryanair unacceptable attitude to this debacle does not surprise me. Mr M O'Leary came across to me in interviews as my way or the highway. I wouldn't say a very negotiable type seemed to treat issues with contempt. It makes me wonder all this bluster from the Ryanair side is a smoke screen and delay tactics for going out of business. Bankrupt? difficult for customers to get recompense then.

 

Ryanair should be made to refund or whatever the consumer rights are in each case now.

 

The cockpits look cramped to me, back of pilot chair nearly touching the door.

 

A twist in the tale. Monarch looking rocky. Will Mr O'L poach their pilots? Offer to buy the planes at a knock down price? This is presuming Ryanair is very solvent.

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Has anyone on here ever owned one of these http://www.carandclassic.co.uk/car/C890403

 

 

No but I did have a 1954 Ford Pop with a V8, 4.2 Engine, very loud, was called Flaming Lime, am sure have pictures of it somewhere

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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lottery expenses a fixed proportion of ticket cost set at 5% at most so if things go badly for Camelot they are working for free.. Lottery a rip? there is a clue in the name of it.

Smaller prizes, you have to change the way it works as it is all on statistics and trying to fiddle the results doesnt make it equitable. Who would buy into a fixed raffle? The split between prizes and good causes is also set as 50/50 after exes.

I've seen labours new lottery plans, the tickets are 50p and they give prizes of £1 to everyone who says they cant afford a ticket. The rather obviosu shortfall will be made up by forcing people to buy a ticket whether they want one or not.

the lottery is a rip, unless of course you win.

it is a business, and they wldn't be giving away the likes of 1m to 20m plus etc unless they were in profit, despite the contributions to 'good causes'.

as you suggest, make it not for profit. and/or reduce the odds. it'll then be seen that the jackpot is reduced accordingly.

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  • 2 weeks later...

Is there a problem with the CAG site? asking as it says I am not logged in when quite clearly I am! I also have a small grey box in the top right corner, it says notifications,my profile, user cp etc and I also have 3 yellow bars at the top of the page which not seen before.

I have refreshed page, logged out and back in but still the same, even restarted my pc!

I have no problems anywhere else

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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phew, glad not just me then lol

 

no idea what going on! :)

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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now keep having to log in every time, the box that says keep logged in is not there?

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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