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    • Thanks! I've had several successes in the past 4 years or so which stemmed from a financially difficult part of my life around 2011/13. Basically I was financially trapped with Quick Quid, in a cycle of increased borrowing, during this I'd opened three catalogue accounts: Studio, JD Williams and Simply Be , 2 credit cards (Aqua and Barclays) and was juggling finances. In that time I had got 2 CCJs plus 2 defaults so things were pretty tight. I was using most of my available credit until things eventually became unsustainable. When I moved house I used the deposit to pay off Quick Quid and got into arrangements to repay the catalogues. The credit card limit was still rising until 2017 when I borrowed the balance of nearly £6000 from a family member and cleared the Aqua card. The Barclaycard had already defaulted. In 2017 I began action for irresponsible lending against Quick Quid. Basically they could not show the criteria they used to make lending decisions  and kept lending to me so I won the case. I was refunded all interest and fees  and charges plus 8% pa. When it was upheld it gave me the confidence to challenge JDW and SB. These were also upheld and they had to repay interest, fees and charges plus 8% from the second credit limit increase which amounted to about £1200 each. I challenged Aqua where my redress covering 6 years fees, interest and charges accrued to nearly £9000.  Barclaycard was not upheld but the default was moved back to an earlier date meaning it expires sooner.  All my IRL cases succeeded because none of these companies could prove that they had diligently checked my financial history. My credit report clearly showed that I was using a high or at limit proportion of available credit and that I'd accrued two unconnected CCJ's and 2 defaults throughout the lives of these accounts. Whether they should have given me the accounts in the first place was also brought into question but it was the sustained but gradual increase of CL's time and time again without proper checks. JDW were unable or unwilling to show the ombudsman what criteria they used. It only appeared that because I paid on time they continued to offer increases where in reality I was actually juggling finances like a fine balancing act.  It would appear that the FOS are looking at catalogue debt as I know when my cases against JDW and SB were being investigated they mentioned this.  My case against Studio should conclude soon. I was curious as to why now Cabot are trying to cut their losses by offering such a hefty discount. I can only summise that Studio are trying to buy back the debt for less.  
    • They have made an offer  Remind them in no uncertain terms that under CONC they are responsible for the conduct of their agents , (research and quote this) and negotiate a payment plan of their offer As dx says we really need all the details to understand the full picture 
    • Ben Gulliver saw a chance to make money, selling items people struggled to get during the pandemic. View the full article
    • The New York Stock Exchange has already changed its mind several times about delisting the companies. View the full article
    • IMHO yours is not the next move.  
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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
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

i don't know if i shouldbelieve this or not :/


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ive just had a discussion with someone who is also on the WP and he claims that it is possible that there could be hidden cameras and microphones in places like WP providers centres and jobcentres that not even the staff who work there know about. he said there could be someone sitting upstairs monitoring everyone and not even the staff here may know about it, the building where ingeus the provider we attend is located does have lots of empty floors :/

 

could this be happening or is this person just trying to spook people?

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The question to ask, joeski, would be why? To kit out a room with hidden cameras and microphones isn't particularly cheap. Plus the cost of somebody to monitor them. Then replicate that throughout the WP scheme. Where would the gain be? From what I've read here about the providers of these schemes, then the only thing they're likely to capture is their own ineptitude. And who wants to risk that leaking onto Youtube?

My vote is that it's a wind up ...

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There might be CCTV cameras installed to monitor "public areas" under the pretext of "security", but secret microphones & camera, No. Doing that would come under the remit of the Regulation of Investigative Powers Act and quite likely a whole bunch of other legislation.

 

Your fiend has been watching too many spy films or stories about GCHQ/NSA activities - If you are really concerned, limit your conversations to non-committal sentences of one or two (polite) words.

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im the the kind of person who thinks a lot and him saying that to me kinda freaked me out, also whenever i see him ingeus he says stuff like don't speak too loudly you don't know whos listening and stuff like that.

also he is not a friend of mine, just someone i met on the WP.

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Companies do instal CCTV in offices. A company I worked for had problems with thefts occuring in the evenings, so they installed cameras in the air conditioning ducts in the ceilings in a few of the offices. A few weeks later, some cleaners were caught on camera and the contracting company got rid of them. The CCTV footage was not used by the company or Police to pursue prosecutions.

 

So it is possible there is CCTV, but this is for general security and not listening to conversations.

We could do with some help from you.

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unclebulgaria, as you say, that's different. That's a genuine security issue and targeted specifically at finding a thief. I was involved in Retail Security some years ago and - if needs be - we did that sort of thing.

Personally I think, from joeski's subsequent post, it's definitely a wind up.

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I think covert recording by WP providers can be ruled out on two counts.

 

a) Cost. It's well documented that the providers are tighter than a ducks rear end, I can't see them forking out for costly equipment and paying someone to monitor the system.

 

b) Competence. It's also well documented that the average WP employee is as thick as two short ones, anyone tasked with monitoring the system would simply become inert due to limited brain function.

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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im the the kind of person who thinks a lot and him saying that to me kinda freaked me out, also whenever i see him ingeus he says stuff like don't speak too loudly you don't know whos listening and stuff like that.

also he is not a friend of mine, just someone i met on the WP.

 

If business id being conducted in a public area, there is no expectations of privacy. If an adviser wishes to discuss personal matters, then it is only right that it should be done in a private room - As has been pointed out, you never know who is listening in on the conversation.... It could be me, and I'd be stirring things up if I overheard stuff that I shouldn't.... Want to discuss someone's criminal record, then I'll raise it as a breach of confidentiality with the DWP and watch the s*** hit the walls.

 

joeski: There is no 'R' in "fiend" :!:

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No... you can't eat my brain just yet. I need it a little while longer.
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Ah... One of the tin foil hat brigade.

 

 

Nuff said !

 

Quite. And, well, for what reason would the government do this? It would be logistically difficult to implement, tedious and expensive to monitor, relatively easy to detect and horribly illegal.

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The idea that all politicians lie is music to the ears of the most egregious liars.

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Sounds like the guy you spoke to has some mental health issues. As others have pointed out, it is important to think logically and sensibly about these things. The type of surveillance being suggested would cost millions nationwide and would involve lots of people to staff it, and what could they possibly get out of it?

 

 

Sadly paranoia is a symptom of quite a few mental health conditions.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Your friend might be right, I wouldnt put anything past the tyrant government. If they can monitor all your internet and phone activity there aint no limits to what they do.

Try watching some Alex Jones stuff on YT.

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Your friend might be right, I wouldnt put anything past the tyrant government. If they can monitor all your internet and phone activity there aint no limits to what they do.

Try watching some Alex Jones stuff on YT.

 

No, seriously, don't watch Alex Jones on YT. Really, don't. They can't monitor all you internet and phone activity, and there's no reason at all, whatsoever, why they'd bug WP premises to snoop on people. Good grief, people! There are real problems out there, there are people suffering because of welfare reforms.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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Sounds like the guy you spoke to has some mental health issues. As others have pointed out, it is important to think logically and sensibly about these things. The type of surveillance being suggested would cost millions nationwide and would involve lots of people to staff it, and what could they possibly get out of it?

Sadly paranoia is a symptom of quite a few mental health conditions.

 

Just because I am paranoid doesn't mean they aren't all out to get me, or that I am a loon!

Any opinion I give is from personal experience .

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Just because I am paranoid doesn't mean they aren't all out to get me, or that I am a loon!

 

 

Some mental health problems involve paranoia.

 

 

Not all with mental health issues experience paranoia.

 

 

Not all paranoia indicates a mental health problem.

 

 

Most paranoids have nothing to be paranoid about.

 

 

A tiny number of paranoids are not paranoid, and there are indeed people out to get them.

 

 

100% of paranoids believe they are one of the 'tiny number' with something real to worry about.

 

 

 

 

 

 

And though not a paranoid, I am one of the medicated mentally ill, and please be aware that we prefer the terms 'nutter' or 'fruitcake' to 'loon'.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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I suggest wearing a tin foil hat to subsequent WP appointments to avoid brain matter turning to mush under the providers mind control gamma ray equipment.

 

For those unsure of how to go about constructing this essential piece of headgear, please consult your WP advisor as they have a specific course teaching paper hat folding skills.

 

Utilising tin foil instead of newspaper, or even stuffing a newspaper bonnet with shredded foil will ensure cranial integrity at all times, which is especially useful during the 'pumpkin positive' test. For those that have not experienced this test, it involves the advisor shining a torch in the clients mouth to see if their head lights up like a Halloween pumpkin.

Obviously the tin foil hat will prevent the upper part of the head resembling a 100 watt light bulb.

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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Some mental health problems involve paranoia.

 

 

Not all with mental health issues experience paranoia.

 

 

Not all paranoia indicates a mental health problem.

 

 

Most paranoids have nothing to be paranoid about.

 

 

A tiny number of paranoids are not paranoid, and there are indeed people out to get them.

 

 

100% of paranoids believe they are one of the 'tiny number' with something real to worry about.

 

 

 

 

 

 

And though not a paranoid, I am one of the medicated mentally ill, and please be aware that we prefer the terms 'nutter' or 'fruitcake' to 'loon'.

 

Now my brain hurts! you did that deliberately didn't you. That is the proof that you ARE out to get me

Any opinion I give is from personal experience .

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Now my brain hurts! you did that deliberately didn't you. That is the proof that you ARE out to get me

 

 

madgrin.gif

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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I suggest wearing a tin foil hat to subsequent WP appointments to avoid brain matter turning to mush under the providers mind control gamma ray equipment.

 

For those unsure of how to go about constructing this essential piece of headgear, please consult your WP advisor as they have a specific course teaching paper hat folding skills.

 

Utilising tin foil instead of newspaper, or even stuffing a newspaper bonnet with shredded foil will ensure cranial integrity at all times, which is especially useful during the 'pumpkin positive' test. For those that have not experienced this test, it involves the advisor shining a torch in the clients mouth to see if their head lights up like a Halloween pumpkin.

Obviously the tin foil hat will prevent the upper part of the head resembling a 100 watt light bulb.

 

lol

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Will it help if I wear one for my WCA?

 

 

 

Sure it will, and I can imagine what would be on the report:

 

 

'Claimant was well dressed and due to an apparent interest in crafts had made his own hat to wear to the assessment'.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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