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    • Here's something I'm hoping to clarify before I get in trouble for it:   There is a street close to where I live that was transformed into a temporary Pedestrian and Cycle Zone due to a school that's there. I know I can't enter it during those times, but can I be fined for having my car parked on that street while the zone is active? So far I have only heard one interpretation, from my neighbour, who said you can have your car parked there and you can exit the zone while it is operational, oddly enough, but before I take her word for it I want to get some more opinions on the matter.   For reference, here is what the Council's own website states: "It is an offence to enter or drive in an active school Street without a valid school street permit." (emphasis mine) Would this prove my neighbour right or can they still find a different interpretation to it that would carry the risk of a fine if I park my car there?   The sign for the zone is very similar to the image attached below, only different operating times.   Edit: to clarify, there are permits you can apply for if you actually live on that street, but I'm just outside that area. Also, there are no other parking restriction on the road that would apply.  
    • good i can see where you got that from  pers i'd put back, suitable adapted the line:   3.Throughout this period XXX only ever served estimated bills which were grossly over estimated with values unrelated to actual use. There was and still remains an unresolved dispute with XXX which was never resolved prior to the assignment of the alleged debt.
    • Hi Mr S,   Read other threads here posted over the last year or so.   We pretty much advise the same thing - ignore demands from the gym, their admin company, any DCA they use and any legal firm they use.   No need to engage with the gym or admin company to discuss or argue your wish to cancel - it'll get you nowhere.   If you want to leave the gym now, just give a month's written notice then cancel the DD m,andate .   If you want to cancel from October 2021, confirm this to the gym in writing early October, allow the final DD to be taken in October, then cancel the DD mandate.   You'll see from other threads that no action is taken to claim money and gym m/ships do not affect your credit records.
    • Update on the situation:   Following the run in with the police he has actually gone to the police station himself to question what he was told and was told there is no issue with him idling or moving the car around the car park, so the police officers who told him that were wrong.   As a side note, he knows who it is that's reporting him. Seems to be a bit of a feud between them, but the clarification he got from the police should at least stop them coming around every time a report is made.   Thank you to everyone who replied to this question!
    • I have had another good look around but still struggled to find any templates. I did find a defence on a thread that I have adapted below. I would greatly appreciate some input before I file it. Again, many thanks in advance.   Defence   1. I the Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2. It is admitted that I have had a supply and service agreement with Co-operative Energy in the past. During the period, Co-operative Energy actively blocked me from hanging to a cheaper tariff or switching provider as there was an outstanding balance on the account.   3. Throughout this period Co-operative Energy served estimated bills. This is shown in the one copy of a bill that the claimant has been able to provide. The claimant has given no details as to the full breakdown of their claim and what dates it relates to, so I am unable to defend specifically until the claimant can particularise and quantify its pleadings.   4. Pursuant to OFGEM code of back billing rules the alleged charges are now over 12 months old and relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging.   5. The claimant does not have access to the agreement nor was the Assignor required to retain a copy. Therefore their claim is unsubstantiated.   Pursuant to the civil procedure rules Practice Direction 16 (7.3) Where a claim is based upon a written agreement.   1) a copy of the contract or documents constituting the agreement,  the original(s) should be available at the hearing along with a complete breakdown of how the charges accrued by date and amount.   With the court’s permission the Claimant is put to strict proof to: -   a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim.   6. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed.   7. It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • 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
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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

Posted Images

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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