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    • I am going to try and explaine in full details from start to present and see if you have any advice for me on what i can do.   on 15/1/2021 16:25pm i was traveling along hazlebarrow Road wich is on my estate at around 30mph, its a tight road with cars parked along the left hand side, as i proceeded through, a van ( which was parked on my left hand side, facing towards me) pulled out from the side of the road, he stopped the van wich resulted in the van being at an angled stationary position on the road. I breaked immediately but the ice and snow skidded my tyers, i skidded into the drivers side of his van, my car bounced off his van and sent my vehicle head first into the back of a parked car ( wich was originally parked at the back of the van before he set off from the side of the road. I will refer to the van driver as MR S. ( im going to attatch a street view picture and diagram which will be more helpful in understanding how the accident accured ect) .    The owner of the parked car, which i will refer to as Mr T came out of his house. Myself, mr S and mr T exchanged details and took photos, then i left the scene as my first concern, understandably was to contact my midwife and the hospital. I live just round the corner from the scene of the accident so i slowly drove my car to my property.   I contacted Go skippy the next day 16/1/21 and informed them of the accident and gave them all the details ect.   by the following monday 18/1/21 i had a call from AX who said they was dealing with my claim as go skippy will not deal with it as i am third party insured. Over the next few days, i complied with their requests ( gave them a written statment of what happened, sent them pictures of the damage to my vehicle and MR S van ect).   Then on the 19/1/21 AX contacted me again and asked if i need a curtesy vehicle, my first response was ' how much will that cost me?' Of which she replied ' nothing because your insurance covers the cost'. I agreed to the curtesy vehicle and the vehicle was delivered to me on the 20/1/21.    Over the coming weeks, AX and i had regular contact about my claim and updated me in regards to my own vehicle. At one point she said it could be deemed a 50/50 liability.   An engineer had collected my car, deemed in a total loss as the damage was more than 66% of its total value and written my car off . i had a call from a lady from AX and she said they have valued the car and i will be payed out £2200 . i asked when and she said ' we will send you a cheque out for £358 in the post, and the remaining balance will be payed out by Admirel but this may take a few weeks more' .    I didnt hear nothing for around 2 weeks so i contacted AX again for an update, she told me that admirel are refusing liability and there now in dispute. Every time i contacted them they said the same thing ' admirel are refusing liability'.   i asked them why admirel consider them not liable and she read from the notes ' MR S said he was driving along the road, the corsa ( my vehicle) was at high speed coming towards me , i beeped my horn and tried moving out of the way but i couldnt because of the ice and the snow and the corsa hit my van' ( complete lie!!)   The lady at AX said the problem is that the damage to both our vehicles is consistant with both our stories and due to there being no witnesses, no cctv or dash cam footage- no one can prove who is at fault.   I then questioned why i had been told i was being paid out £2200 and she said 'well we have to advice you the estimated value' of which i replied 'no, there was no 'advice' - i was told it was a done deal i was getting paid £2200 and she told me i had a cheque arriving in the post!!!.    The lady then told me she had requested a ' none prejudice payment' from admirel and waiting for a response.     Shortly after this phone call, AX contacted me again and asked if i had the funds to repair my own vehicle or buy another one, ( im.assuming admirel refused to pay the  none prejudice payment).   I told them No i do not as i have a baby due and even if i did have the funds, why on earth would i fork out to repair my own vehicle when i wasnt at fault ?! . she said ok im going to pass this to managment and see what we can do .     I contacted AX again and asked for an update and expressed how unhappy i was with their service as i felt like they hadnt fought my corner, bowed down to admirel and then had the cheek to ask me to repair my own vehicle . Again she said ' its still in dispute, admirel are not budging i have to pass this on to management.   She then asked me for 3 months bank statements to 'prove' i dont have the funds to repair my vehicle myself. I thought this was ridiculous and stated that even if i had the funds, why would i repair my own vehicle when im.not at fault!?   Obviously this has been on going since middle of january, pretty fed up. My brother come to this forum last night to seek advice And had a couple of replies that i may be liable to pay for the hire car costs.   I contacted AX first thing this morning regarding this. I made it clear that they can collect the vehicle to stop the daily charges as i do not want to be in thousands of pounds worth of debt when i am a lone parent with a new born baby. the lady told me ' we will try every avenue to recover the cost from Admirel for the hire car charges, if this means taking them to court, even if this is unsuccessful, considering you comply with your hire vehicle contract and you work with us with your claim ( which you have been doing) you will not be liable for this debt and if worst comes to worst and admirel will not pay, we will just wipe the debt off' .   i made her repeat several times that i will not be liable for this debt and she said i have told you my name, and these calls are recordered and i am telling you that this debt will not be on you to pay . She then said that if i was to give AX the hire car back now, then it would jepordise everything. And she said ' we gave you that hire vehicle because we beleive your not at fault so you can keep using it as we know you need transport'   I then questioned the need for bank statements again and she told me the reason they need bank statements is so if it goes to court - AX can justify why i needed the hire car for so long ( because i dont have the funds to repair my vehicle or buy another one) and also so they can prove they have tried every root possible.      After the phonecall it got me thinking about how she said ' aslong as you comply with your hire car contract your not liable for any charges for the hire car' .   Will they find any fault with the contract just to try and lumber me with the debt? As it seems pretty fishy how they would just ' wipe off' thousands of pounds if admirel refuse to pay.    And also, she said if i gave the hire car back it would jepodise the case . so when the lady rang me the other week asking if i had funds to repair or buy myself a new vehicle , if i had said yes, ill buy a car tomorrow and come collect the curtesy one. Then what? Wouldnt that ' jepodise' the case?      As you can imagaine, my heads spinning. Stressed and dont know what to do. I dont even care about a pay out , i just want to give the hire car back and be completely done with AX . but now im scared if i give the car back i will be lumbered with thousand of pounds worth of debt from the hire car charges.    What can/should i do?    Thank you Gemma
    • Hi Ade,   Stop speaking to them by phone and keep contact in writing only, which you've said you prefer.   Send TT a SAR by post immediately. The data you get back should enable you to see what they think you owe, and how it's made up.   Also write to BW Legal confirming you dispute the alleged debt owed to TT and have written to TT seeking data, so BWL must stop demands until TT have replied to the SAR you've sent them.
    • Please do although obviously I don’t know the facts from your side but at least I can tell you how much of a cut and paste job it is.
    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
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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
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    • 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
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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

  • Like 1

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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