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    • Hi there, sorry to hear of your situation but I have some excellent help for you, as unfortunately I have been in the same place at one point, owing more than £6000 in back council tax.   None of this is your fault, we are in the most serious public health and economic crisis for 100 years, councils are desperate to shore up their finances, unfortunately this means they are taking a rather blunt sledgehammer approach.  Right now, speaking to the call centre or recovery team is utterly pointless, I remember them sneering at me on the phone when I had no money to pay my rent. All it will do is get you nowhere and stress you out.   If you listen to me this can all be sorted out by tea time tomorrow, but before I explain, I need to make one thing clear.  You will not go to prison, end of.   So here is your course of action for Monday AM   1. Google your local Councillor and Elected head of council. Their mobile numbers and Emails should be on Google.  2. Ring your local councillor and explain everything, just as you did here. 3. If you don't get through to the councillor, leave a Voicemail and send an email explaining everything. 4. Ring up your GP / Consultant and ask for a medical note explaining what your illness is and all of the treatments with Side effects.   5. Google or ask for a copy of your local council's code of practice for collections.   Your councillor will likely be very concerned about poverty levels, and they have complete power to override  anyone in collections at the local council. Unlike the Finance team or call centre who probably don't care a fig.   Email to local councillor along the lines of   Dear XYZ   I am in a situation where I am unable to work because of my illness, and am now on Universal Credit, as I result I have fallen behind with my Council Tax. Unfortunately the demands I am receiving to pay up or receive a liability order I simply can't afford .  I understand the importance of Council Tax and know that finances are tight but paying this amount would mean not being able to pay my rent.  I hope you can understand the dire situation that I am in and would accept an offer of £x per month, to be reviewed after 6 months.  I am happy to send in any medical information from my consultant if needed. I look forward to your reply,   Kind Regards              
    • Thank you so much. I'll submit this tomorrow. I also visited the location yesterday, its 100 miles from my home. They've changed the signage, there's now a lot more small signs. There is an erected sign on entrance, damaged and the ANPR is actually fixed to the side of the burger king building.
    • Hello, I'm reading this as I have a similar problem - booking.com are refusing a refund and the accommodation are not replying to my emails. I have found the details for the CEO of booking.com but not the UK director of customer services. Please could you share this with me? Thanks. 
    • Did you send the note giving them the extension of time? When does the extension expire/date for issue of claim? I see that this thread started on 25 October. I have to say that when it started I thought it was going to be a quick fix and hadn't bargained for virgin's ineptitude which has certainly made it a lot more interesting but I'm hoping that March is going to be the month that it will finally all get sorted out. Surely someone responsible within Virgin has got to start taking a look and understanding the extraordinary mess that they have built for themselves and want to sort it out.  
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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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Britons are too ignorant about Europe to vote in a referendum on the subject, a top Brussels official claimed last night.

Viviane Reding, vice-president of the European Commission, said the British debate about Europe was so ‘distorted’ that people could not make an ‘informed decision’ about whether or not to stay in the EU.

Mrs Reding-who boasted that 70% of the UK’s laws are now made in Brussels-went on to say; ‘Do the people know what they are going to vote about?

‘Very often I see a completely distorted truth being presented and then how do you want people to take an informed decision? They simply cannot.’ However Europe Minister David Lidington criticised her comments, saying: ‘It is very dangerous to start making assumptions about what makes someone qualified to cast a vote.’

***************

http://thepoliticsforum.co.uk/showthread.php?37-Britons-‘too-ignorant’-for-an-EU-referendum

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I wouldn't say it's that the British people are ignorant per se. I would argue that our mass media generally peddles so much nonsense it doesn't allow for the regular person to make an objective decision.

 

So, I guess he's kinda right.

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It's all to do with continental drift, in a couple of million years, we will either be closer to North America or Europe, I vote North America as they have given us so much of their culture, we speak the same language, McDonalds, trash Tv, chat shows, etc.

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It's simple maths: we pay a lot of money to the EU and get nothing in return.

All the scaremongering about being isolated if out of EU is just nonsense.

Are the italians going to refuse selling parma ham to us if we were not in EU?

Or maybe we wouldn't be able to buy a VW transit because the germans would refuse to ship it over here.

Nonsense.

We should save the billions we give away to EU every year and put it to good use at home.

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How about a more generous duty free allowance when travelling to Europe? The European court of human rights? Just think what Scameron would get away with without that in the background? Personally I dont want to leave the EEC!

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It's all to do with continental drift, in a couple of million years, we will either be closer to North America or Europe, I vote North America as they have given us so much of their culture, we speak the same language, McDonalds, trash Tv, chat shows, etc.

 

Not forgetting all this crap weather they are sending us.

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I do - bring it on in the European elections UKIP

 

You seem like a rational guy, is it a honestly held belief that UKIP has a clue what they are doing?

 

I found Farrange's admission that he didn't know what was in last year's manifesto as a deeply chilling indictment of just how inept he is.

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How about a more generous duty free allowance when travelling to Europe? The European court of human rights? Just think what ****eron would get away with without that in the background? Personally I dont want to leave the EEC!

The dutyfree allowance benefits normal people once a year when they go on holiday and bring back some spirits and a few cigarettes.

It also benefits the smugglers going to calais every week and coming back fully loaded avoiding uk duties.

European court of human rights?!?!

Because of it we have criminals living off taxpayers money and some of them are not even locked up!

I doubt that going out of eu would make uk go back to capital punishment and torture.

It's just a waste of our hard earned money.

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You seem like a rational guy, is it a honestly held belief that UKIP has a clue what they are doing?

 

I found Farrange's admission that he didn't know what was in last year's manifesto as a deeply chilling indictment of just how inept he is.

 

That has noting to do with the European elections. The UK pays £53million pounds per day into Brussels, enough to dredge all the rivers and renew all our railways and give everyone a big tax cut as well.

Farage seems to be the only one who will commit to take us out of this disgusting union. We might or we might not get a referendum in 2017, (why wait so long), but a referendum with a massive vote of 'out' doesn't commit any government to take us out.

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UKIP is run by a bunch of old national front heavies who think they are up standing members of society and politics.

 

They wouldn't be upstanding for very long if I met them.......

 

I don't have a view toward the EU as such, we'll be screwed over by the government one way of the other, doesn't matter, communism for the win :)

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I seem to remember some very surprised MP's when the North east of England had a referendum as to should Newcastle rule the Northeast (put simply) and got a very loud NO in response.

 

 

I think they may get the same response to who do we want to rule us UK or Europe. I say neither it wont make a bit of difference to us they would all rip us off..

 

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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I would rather be in the EU than vote for UKIP, sorry but they came to power I would seriously leave this country ASAP. Please see below why:

 

http://www.huffingtonpost.co.uk/2014/01/19/david-silvester-gay-ukip-spiritual-disease_n_4627151.html

 

http://sqmagazine.co.uk/2013/09/ukip-godfrey-bloom-krishnan-guru-murthy/

 

http://www.bbc.co.uk/news/uk-25802437

 

Just because they oppose something that is unpopular, doesn't make them fit to run our country, and I'd rather they didn't

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No let him vote UKIP if he wants. The reality is that UKIP won't get into power - their existence takes more votes from the Tories, creating more marginal seats, which labour could win.

 

 

Frankly, I think all the parties are a waste of space and our political system is a useless dinosaur, but anything has to be better than more right wing politics.

 

 

As to Europe, I'm pro. But I do think that the media is very anti, and it's more about politics and power than what's best and right, and this affects the views of the less well informed.

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

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Please give me a good reason why being IN Europe benefits me as an individual ?

 

The way I see it at the moment, it only benefits those who are elected to the European Parliaments and top jobs !

 

Take Neil Kinnock for example.. was pretty useless as a Labour Leader - now both he and his Wife are Multi Millionaires having been given cushy jobs in Europe !!

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Your fruit and vegetables conform to EU Standards:-):-

 

http://news.bbc.co.uk/1/hi/magazine/7724347.stm

 

Please give me a good reason why being IN Europe benefits me as an individual ?

 

The way I see it at the moment, it only benefits those who are elected to the European Parliaments and top jobs !

 

Take Neil Kinnock for example.. was pretty useless as a Labour Leader - now both he and his Wife are Multi Millionaires having been given cushy jobs in Europe !!

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People are ignorant . Ignorant of the dangers of UKIP. Sadly there are fewer and fewer who remember an odious little man with a tache who got the popular vote by promising to cure his country of the ills pushed onto it by their european neighbours.

 

That man was Hitler and look what happened.

 

Ukip are racist sexist homophobes with on policy that strikes a chord with the Daily fascist and its readers

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Your fruit and vegetables conform to EU Standards:-):-

 

http://news.bbc.co.uk/1/hi/magazine/7724347.stm

 

:lol:

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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People are ignorant . Ignorant of the dangers of UKIP. Sadly there are fewer and fewer who remember an odious little man with a tache who got the popular vote by promising to cure his country of the ills pushed onto it by their european neighbours.

 

That man was Hitler and look what happened.

 

Ukip are racist sexist homophobes with on policy that strikes a chord with the Daily fascist and its readers

You should say 'Daily nazist', not 'Daily fascist'.

Although the fascist leaders decided to form an alliance with the nazists, the two movements were very different and had very different policies.

So nazism and fascism, contrary to common belief, should not be confused.

I always smile when someone addresses a racist idea as fascist and not nazist.

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That has noting to do with the European elections. The UK pays £53million pounds per day into Brussels, enough to dredge all the rivers and renew all our railways and give everyone a big tax cut as well.

Farage seems to be the only one who will commit to take us out of this disgusting union. We might or we might not get a referendum in 2017, (why wait so long), but a referendum with a massive vote of 'out' doesn't commit any government to take us out.

 

You think it's a disgusting union? Why? I would prefer an answer which isn't straight out of the Daily Mail. You do realise that Europe is our biggest trading partner, and I would imagine the free movement of goods rules saves us far, far more than £53m a day.

 

There are, however, many rules that are pretty daft - but there are also hundreds that are incredibly useful - especially around Employment. As I've said earlier - our press cannot provide an objective and balanced insight for love 'nor money.

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It's all about power. There can be no denying that Germany is the ruler of the union, they probably think this justified because they pay more in than any other country. We have no say whatsoever in what happens, it is heading towards communism.

 

http://pensionersclub.co.uk/showthread.php?541-The-EU-has-not-brought-peace-to-Europe

 

http://pensionersclub.co.uk/showthread.php?111-Euro-judges-stop-Malta-deporting-boat-people

 

There's a couple of reads you should take note of.

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