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    • Can I just suggest one thing   Ask them how the subframe broke and say you would like them to explain how changing a cv joint affects the sub frame   I'm not an expert but I've changed cv joints in the past and never needed to touch the subframe on a car   The axle itself might pass through the subframe but removing the cv joint usually just entails cracking the old one off with a split bar   I can't help but wonder if they've braced it against the subframe and that's why it's broken 
    • it wouldn't have gone to a (your?) local county court as you didn't reply to the claimform. northants bulk would have dealt with it as it was a default judgement.    
    • Thank you so much for the reply. I have tried to call the court (Torbay & Newton Abbot) but they are short staffed so cant answer ;-( Does the discharge mean it has been thrown out?   On the report is is just marked as the court date 10th December 2020 and under that Discharged. Thank you!
    • I need to repair the lead flashing on my side of a firewall on the roof of a Victorian terrace. It will involve hacking off the cement on my side, installing new lead and reapplying cement. Do I have to notify my neighbour under the party wall act before getting this work done? I was under the impression minor work was not notifiable. I would consider this minor work. From the party wall act:   "Some works on a party wall may be so minor that service of notice under the Act would be generally regarded as not necessary. Things like:  drilling into a party wall to fix plugs and screws for ordinary wall units or shelving  cutting into a party wall to add or replace recessed electric wiring and sockets  removing old plaster and replastering may all be too minor to require a notice under the Act."   The neighbour has got wind of what I am doing and has asked for written grantees that I will cover the cost of any impact on his side and is threatening to invoke the party wall act if I don't I don't want to write him a blank cheque as his side of the firewall is probably is as bad a condition as my side.
    • They will NOW debit   Sorry I need to relax before I type out responses. and reread them. Tried to edit the post but cannot
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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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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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1 minute ago, honeybee13 said:

I think it's amazing that you've written the book, I wouldn't know where to start. I hope it's been a good experience for you. :)

 

HB

I've been writing short stories for ages, it seemed logical to collate them, then I found I'd lost some... Oops

 

I tried putting them all into one book but it ended up close on 700 pages, I trimmed it down to favourites and it ended up at 370ish

 

Theres one of them on the forum here somewhere.. Not one of the best but its one of the ones included 

Please note:

 

  • 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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  • 3 weeks later...
25 minutes ago, determindator said:

I missed a phone call and dialled the number. It was a cut off sound. Would this be some type of  fraud scheme? Anybody else had this type of call?

Just sounds like an autodialler. They  dial you up and then send the call to a call centre rep. But if you dial in, its designed to hang up immediately.

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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5 minutes ago, renegadeimp said:

Just sounds like an autodialler. They  dial you up and then send the call to a call centre rep. But if you dial in, its designed to hang up immediately.

 

Thanks, and it was a mobile number if that's usual.

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You can set up an auto dialler to generate any number you want, as its just software .   It goes through the regular exchange but using voip or similar.  They can easily mask the real number using tens or even hundreds of others.

Easy way to show this is when you get a cold caller or similar calling, and your caller ID shows 001  or some random number you know for sure isnt a real number.

Edited by renegadeimp

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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23 minutes ago, renegadeimp said:

You can set up an auto dialler to generate any number you want, as its just software .   It goes through the regular exchange but using voip or similar.  They can easily mask the real number using tens or even hundreds of others.

Easy way to show this is when you get a cold caller or similar calling, and your caller ID shows 001  or some random number you know for sure isnt a real number.

 

👍

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The FCA hold events and on 17th July 2019 is the Annual Public Meeting details here follow the link for that event. You can register to attend. The time is 9.30 am to midday in London.

 

https://www.fca.org.uk/events

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23 hours ago, honeybee13 said:

Hi determindator.

 

Is there a particular topic you're interested in, are you planning to attend the FCA event?

Hello HB,

 

I would love to go but I doubt I can make this meeting. You have the opportunity to ask the panel questions.

23 hours ago, honeybee13 said:

 

 

 

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Diet... 

 

Today was the first day off the diet due to wife being out with work - even so I managed to keep it under 2000 calories (my allowed amount is 1600 so not too far up) 

 

So far I'm 2.5 stone down and only have 2 stone to go, been on the diet for 4 months

 

Decided to go on diet as wasn't happy with self and my wife got diagnosed with left bundle branch blockage and low systolic function (early 30s at that) 

 

And tonight was the chance to have a good takeaway - and I gave it up to have a pasta dish from Bella italia (775 cals) and 2 glasses of prosecco (268 cals) 

Please note:

 

  • 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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Actually bad thought of the day as well

 

Made a complaint to amazon, their delivery driver either climbed or pulled aside a fence to leave a parcel in the kids play house

 

Its left one spindle (it was a ballistrade type fence) broken

 

Sent an email to amazon who are now looking into it, just a bit worried its going to loose someone their job

 

After all its a home made ballistrade - I can probably replace the spindle for less than a fiver - was just really annoyed at the point I sent the email because its the second time a delivery driver (first time was yodel) has decided its OK to pull it aside and each time I have to replace the wall plugs on the screws

 

Debating emailing back and asking them to drop it but it's on the wife's emails and she's away until tomorrow 

Please note:

 

  • 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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Question please, if you switch to the free Experian ac when you login within the 30 day free trial period, will the subscription of £14.99 be taken?

Do you have to cancel the Experian ac entirely to stop the subscription?

 

Thanks to all

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On 12/07/2019 at 23:39, labrat said:

Actually bad thought of the day as well

 

Made a complaint to amazon, their delivery driver either climbed or pulled aside a fence to leave a parcel in the kids play house

 

Its left one spindle (it was a ballistrade type fence) broken

 

Sent an email to amazon who are now looking into it, just a bit worried its going to loose someone their job

 

After all its a home made ballistrade - I can probably replace the spindle for less than a fiver - was just really annoyed at the point I sent the email because its the second time a delivery driver (first time was yodel) has decided its OK to pull it aside and each time I have to replace the wall plugs on the screws

 

Debating emailing back and asking them to drop it but it's on the wife's emails and she's away until tomorrow 

 

Yeah, I understand it's a hard choice, especially when the poor sod just wanted to put the package somewhere where other people wouldn't see. 

I just wonder how I'll handle these deliveries when living in the UK... Where I live, you just pick them up at the post/transport company office, or have it delivered when you're home. The thing is that I may well have to have to leave regularily with short notices (due to my job, I sometimes have 48h to go to the airport and I don't want to come back to find a parcel that's stolen or all crumpled up because of a week of rain.

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feeling angry!

 

 why  do (take it they are  s c a m m er s ) phone up every  day saying  it is a security  call in regards to my master  card/visa! always different phone numbers!

Yesterday it was to inform me £600 plus had  been withdrawn from my bank/card for an over  seas transaction! 

Not got that amount so be lucky lol

 

Anyone else getting these calls?

 My number is ex directory and reg with TPS😠

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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yet  another one . 3 today! I do not have a Master Card, all different  phone numbers, this last one was a 0115 number  which is local to me

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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another 3  today up to yet, all say same thing, either have change my number or get in touch with  my phone  company, I have  or supposed to have barring etc  on it, got an answer phone but  do not think it working 😕

 

Really annoyed now lol xx

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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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 always breaks Christmas eve that would be a nice bonus

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Please note:

 

  • 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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  • 3 weeks later...

Sat back in the caravan wondering why don't we just live in this permanently 

 

IMG-20190810-142738.jpg 

Please note:

 

  • 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 can relate to the caravan camping Labrat, love the photo😀

 

I'm asking for the best place for a PPI question. I asked Kensington if there was PPI added to the loan. Their reply was because the loan was repaid over six years ago, in 2000, they did not hold any records to answer the question. I have kept the original paper work and gave them plenty of info.

Quote

 

 

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urm..the ppi forum....

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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