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    • New figures from the Insolvency Service show that early termination rates of IVAs have dropped 11% in the past year, while total IVAs have risen by almost 20,000 in the past two years. View the full article
    • Amigo Loans has posted an £87m loss for the nine months to December 31 2020, a 289% drop on the same period in 2019 View the full article
    • I've had a brief look over the thread and I see that there principle point is that he didn't take out insurance. Your answer to this is very simple – that it is absurd that you are required to pay to protect them against their own negligence or criminality of their employees or the people who are acting for them – in this case, Hermes.Your point here is that any requirement that a customer is required to pay extra to protect against the breach of contract is unfair within the meaning of the unfair terms provisions of the Consumer Rights Act. Please have a read of the unfair terms provisions of the Consumer Rights Act. In In particular, after you have read the sections within the act itself, get a schedule two and you will see examples of unfair terms. These are nonexhaustive which means that they are simply examples and lots of others can be added. An important point is that it forms a significant imbalance between your interests and their interests. They are using a standard form contract which is nonnegotiable. There is no competition because all the courier industry are doing this so there is no opportunity for you to go elsewhere and get a different type of deal. You will need to point out to the defendant – through the mediator – that included in the unfair terms provisions of the Consumer Rights Act is a provision that gives the court the power – in fact a duty – on its own initiative to examine the fairness or otherwise of any term. Point out to the defendant that if they want to go to court then you are happy about it. That you will then raise the question of unfairness to the judge and also you will invite the judge to look at the entirety of the contract and to pronounce on the fairness or otherwise of the contractual terms. Tell the defendant that you expect that the judge will decide unequivocally that a term of the contract which requires the customer to pay extra to protect themselves against the service providers breach of contract is grossly unfair – and in fact it is ridiculous. Basically they are saying "pay us to deliver your goods – and pay us extra if you don't want us to lose them."   Explain to the defendant that you are fully aware that this is a culture within the courier industry which has developed over 30 or 40 years or more but it's not acceptable and that when you get a judgement in your favour which confirms that the term is unfair, (as will surely happen) that you will then make sure that copies of the judgement find their way all over the Internet including social media that is concerned specifically with complaints against the courier industry and then the game will be up for the loss of them. One the mediator to tell the defendant that once you get this judgement, not only will people be claiming for ongoing lost items, but they will also be claiming retrospectively for legitimate claims which have been rejected on the basis of this unfair term. Make it clear to the mediator – that they should tell the defendant that you're not dealing with very much money here – and you are prepared to risk it all in order to go to court and to demonstrate this principle. If the mediator says that you should compromise then you should tell the mediator that if the defendant pays up in full – including costs and interest – that they will then be spared the problem of going to court and getting a judgement against them which will result in the loss of millions of pounds in the future. Tell the mediator that this is the benefit to the defendant and you are not prepared to hand them any further benefit if it means sacrificing a single penny of your claim. Tell the defendant to take it or leave it – you are happy either way.   It is very important that the defendant understands that you don't care either way whether you settle now mediation or goes to court. The defendant as a huge amount to lose if it goes to court. You have very little to lose  
    • Firstly I am disabled and have brain fog so can forget anything.  Today I went online to check when the MOT is due as just had to renew my car insurance and know it comes quickly after that. I was shocked to see my car was flagged as NOT TAXED.  I have had disability tax for years so dont even have to pay. After ringing DVLA I eventually found out papers had been sent to my old house which I left 3 years ago. With the stress of moving etc I never changed the car address but did change the address on my licence as that is correct.   Now I am worried I may have picked up a speeding ticket sometime in the 3 years and also maybe recently on a day trip to London (2 miles too fast coming out a tunnel). The old house is 150 miles away so cant pop in and no idea who lives there now. Thats how I got caught out with tax as they sent the paperwork there to renew. The lady renewed the tax easily on the computer for me which I was so grateful for and backdated it to 1 Feb. Can anyone tell me how I can find out if there are any tickets out there in my name that I know anything about please? I have had a really awful week with so many problems and this is now really making me feel sick so dont want to worry for months to catch up with me.   Thanks  
    • Presumably you have received your own NIP/s172 request after the lease company identified you as the person the car is leased to?   First thing to say is that, regardless of any questions over the date of the first NIP, you must still reply to your own NIP/s172 within the time limit given otherwise you are committing an entirely separate and more serious offence than any speeding infringement.  If you were the driver you should nominate yourself.   You need to be careful arguing that the first NIP was not sent out in time.  Note that it is only the first NIP that is subject to the 14 day limit, and that NIP needs to go to the Registered Keeper.  There is no time limit on subsequent NIPs.   So are you 100% certain that your lease company is the registered keeper and do you know that for a fact?  Please note that the registered keeper of lease vehicles is often not the lease company, but a finance company.   If the police are saying that the first NIP was sent to the RK within the time limit, you can be 99.99999% certain that they will have evidence proving that fact.  Assuming it was sent out first-class, there is a legal presumption that it was delivered two working days after posting, unless the addressee can prove it was never received.  So if the police are saying the first NIP was sent out within 12 days, the RK would have to prove it was never received within 14 days to provide a defence.  As you might imagine, that is very difficult to prove otherwise everybody would claim it.  Unfortunately, "reminder" NIPs are usually not marked as such and may be indistinguishable from the original.   So you need to confirm (preferably by sight of a copy of the actual V5C document as staff of lease companies do not always know) who the Registered Keeper is, and when they recived the first NIP.  If it was received after 14 days can they prove that fact (eg by a date received stamp and an appropriate system for dealing with mail received) and can they prove that they didn't receive an earlier NIP?   Hope that makes sense!  If it doesn't another poster called Man in the Middle will clarify what I 've not explained well or got wrong.
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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
        • Thanks
      • 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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