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    • @bankfodder I will redo and attach once I've done school run thank you x
    • To add to the above, I think you are going to find it very difficult to challenge something like survey which to a certain extent is going to be a statement of opinion. In order to challenge it, you're going to have to get a corroborative opinion which means getting someone else to assess the property, says the survey report which you have received and to tell you whether or not it is flawed in the way that you think. I don't see any other way to do it. More complicated than that – if you do find that an independent evaluation of your report confirms your view that it is of poor quality, then probably you will need to get a second view as well. These independent assessments won't come for free and you may well find that you are having to pay the same amount again and again. Also, I can imagine that independent experts may be rather low to start contradicting fellow professionals. In terms of not paying off your credit card, you are getting into a very sticky position because the credit card company will turn on you and rapidly blight your credit file and turn it into a debt collection process. This means that you will find yourself in conflict not only with the surveyor, but also with your credit card company. If you want to do this, then you should pay off the credit card company so that there is no issue on that score and then get the necessary evidence before mounting a challenge. If you do any other way, you're going to find yourself with an accumulating assortment of problems which you will find it very difficult to deal with
    • Morning, I received confirmation from the court, a day after sending my defence to the court. It gives them 28 days to reply as standard. However, a few days ago I received a letter from SM, dated 22/4/21 but only arrived at the weekend? I’m confused, because it’s not asking me to make an arrangement to pay, and would have been sent before I sent the defence, but the wording doesn’t make sense. It’s sent after the claim was lodged by them, by about 3 weeks I’d say, but asking for me to make an arrangement to pay.  I’m assuming I don’t contact them, because then I’ll be liable for the whole amount?  Also, I had to acknowledge and defend the claim before this arrived, so are SM right to have sent this to me when they did? It seems strange that this is only the first letter I’ve received from them, which they send some time after sending me a claim form and after the deadline for replying to the claim. PS redacted this time! SM letter .pdf
    • Personally I would skip all the outrage of finding things amusing and insulting et cetera. As my own personal style but I would tend to keep the emotion out of it simply states actually that you consider that the requirements are intended to place a deliberate obstacle in your path and probably a breach of the data protection rules as they clearly have all the necessary information to identify you because they have been writing threats et cetera for some considerable time, not to mention correspondence with the FOS. I think I'd then point out that if they do exceed the deadline that not only will you bring an action on that basis but also that they have raised unlawful obstacles. I will try to keep it deadpan
    • BazzaS, My brothers life is ruined by Gp negligence, it should never have happened. Justice for my brother. Gps involved need to be investigated by approproiate medical bodies. If that means the Gp's involved need to be repremanded then be it. If it's happened to my brother, how many other people has the same thing happened/happening at the Gp practice involved. Maybe other patients in a similar situation have not raised the issue?   I've seen the entries online which show Gps name, date sleeping tablets were presribed, reason poor sleep, and possible agitation etc. This is the Gp's reasoning.   The pharmacy which sent the medication is also negligent by not providing medical instructions with the medicine. If medical instructions were provided. There is possibility his family would have read the instructions and seen urinary retention as warning and not given the medication.   BazzaS, The sleeping tablets precipitated pushed foreward urinary retention, it was going to happen sooner or later given the prostate issue. The sleeping tablets just made the urinary retention happen quicker. If it wasn't going to happen now it would have happened maybe in a few weeks/months time. The consultant said this. Does the below letter need more tweaking before its sent to the Gp asking for an explanantion?   Please can you provide an explanation why GP1 (name here) on xx/xx/xx, GP2 (name here) on xx/xx/xx and GP3 (name here) on xx/xx/xx prescribed (medication) to my brother? What was the reasoning behind the prescripton?          
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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
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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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Hi Debt info

 

. I too am looking to go bankrupt.

 

Last year was a nightmare,

 

I am HIV,

had a slipped disc &

a hip replacement that dislocated twice.

 

My partner had chemotherapy & the family had 3 bereavements in 5 months.

 

As a result of all this I couldn't keep my job as it involved a lot of travelling

& I physically couldn't do it.

 

I am also TERRIFIED of the Official receiver.

 

I have debts ( unsecured loans, an evil managed loan from HSBC, credit cards ) totalling approx £20k.

 

What is slightly complicated is that I had a LTD company ( just me ) that made around £1,000 PM or less

which I've been living on,

 

the CAB & debtline advised me to resign as director after my bankruptcy & turn in to a sole trader.

 

I have had a civil partnership with my partner & moved in to their housing association flat.

 

However I can't be on the tenancy until I have been paying utility bills at the address for a year which I am doing.

 

I too am terrified that the OR will pull me to bits & scrutinise everything.

 

I spoke to someone else who said the CAB handled everything

& they just had a 5 minute chat with the OR on the phone.

 

The only asset I have is a year old computer & I need that for work,

I am so stressed out about this any advice would be very gratefully received,

especially should I mention that I will be paying rent / council tax just not yet.

 

Thank you very much

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Hello and Welcome Paul J O,

 

I have started a new thread for you, hopefully you will get some help shortly.

 

Regards,

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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