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    • No, I think UK will get same deal as EU.  Main reasons for this are two sectors,  Defence and Financial Services.  US have huge levels of money invested in the UK, so they have a self interest in offering a trade deal as good as the EU.
    • @labrat I'll bet it isn't the subframe itself that's broken. It'll be the subframe mounting bolt(s) that have sheared off inside it. Because the bolt is seized inside the subframe, it effectively renders the subframe scrap. I suspect the garage are simply talking in terms the average customer is more likely to understand than going into the detail of it. The Golf, Jetta and Beetle, which are all mechanically identical, are notorious for it.    A smaller independent garage may have tried to get the bolts out, but you very quickly reach the point where time/effort/cost is simply not worth it and replacement of the whole subframe is the better choice.   Of course the OP could approach a salvage yard, either local or online, and ask about the cost of a good used item, which would be substantially less expensive than what I assume is the price VW are charging for a replacement.
    • Applied for and awarded by BY in Sept 2020 still not received it yet Comments appreciated
    • Hi Slick   I am not as experienced as you is there any thing in sar that i can identify. It does not state £2.5k debt in sar. It mentions new add ons.
    • So long story short.   I had a number of re-occurring loans with Unclebuck, I made a complaint in regards to my latest one back in 2019, got to an agreement to remove default markings and charges etc and just pay the principal. Didn't pay the outstanding amount due to personal reasons, being put on Furlough was one of them.   Saw that Unclebuck went into administration, made a redress application a couple of weeks ago, got awarded £807 for previous loans (not the latest one). So I contacted the administration to confirm they would pay the redress amount towards my outstanding balance, but they said they cannot do so?   How is that fair? I get they they can't pay me any cash, but surely they should be able to write off the current outstanding amount, it has to work both ways right? This was the latest response I got, so far no reply from their solicitor yet.   "Whilst I note your comments concerning your desire to set off Redress due in respect of unaffordable loans against your current loan that was not eligible for Redress, unfortunately the Administration precludes the position of set off until the Administrator makes a declaration under Rule 14.29 of the Insolvency Rules 2016. This declaration has not been made by the Administrators and will not be made as there is no distribution or intended dividend to be made to creditors in this particular Administration. Whilst I sympathise with your position, you will appreciate that the Administrators are governed by statute and cannot contract out of it.   I promise to speak to our solicitors to see if there is any room for manoeuvre on this matter and will come back to you afterwards, however I feel that it is unlikely. As you will appreciate making an exception for you may open the Administrators to claims from other customers in a similar position to yourself and indeed from other customers that do not have the benefit of another loan to set their Redress off against."   And to further add to it, I got an email today saying they transferred the loan to a collection field agency "Conexus Recovery and Field Services Ltd "  
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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

Medical Alert Wallet Card


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As there are so many people with different medical conditions especially those that are advised to carry a Medical Alert with them CAG thought this would be of use to our users.

 

Please bear in mind that Team at CAG has spent some time designing this Medical Alert Wallet card Template for your use completely FREE.

 

 

Before Printing please check your printer settings:

 

Page Scaling / Handling / Sizing Setting

 

Ensure your printer is NOT set to - "Expand to fill Printable Area" (If you leave it on this it will print out as an A4 Page which you dont want)

 

Ensure the Page Scaling / Handling / Setting is set to - NONE / Acutal Size (Check your printer properties before printing as each printers settings are different)

 

To Fill in Form

 

To fill in the Form rather that trying to fill it in upside down just go to your PDF Programs VIEW setting and simply "Rotate Page Clockwise" until it is at the correct level and complete.

 

To SAVE your completed PDF

 

WARNING DO NOT just click SAVE otherwise you will save a Blank PDF and lose all the information you have just typed do the following:

 

1. Click on FILE and select SAVE AS

2. Select where you want to save PDF

3. Importantly Rename the PDF from original name

4. Click Done

 

You have just saved your information in that PDF.

 

Remember to save your work before closing and to keep it regularly updated.

 

 

Medical Alert Wallet Card Template with Form Fields ----------.pdf

 

 

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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  • 3 weeks later...

I had created one very similar to this but had the function to add a photograph this would then set it up nicely, just in case the card was in the OH purse then it could cause issues, think of it as a safety issue, with the attachment of a photo then there will be no issue in regards to anyone giving assistance, including the medical team dealing, as they will see who the are looking at. An added precautionary feature

 

 

Good job though well laid out

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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  • 1 year later...

Just looking at medic-alert type things now. I've decided to go for the bracelet as it's easiest to access for medics. Also metal i.e. stainless steel - to make it reasonably fire proof. However, All I'm going to put on it is how to get the info, not the info itself. The info is on a web site - so globally accessible and easy for me to keep completely up to date.

 

To access the info, they'll be instructed to e-mail me using a 'password' in the subject line to trigger an auto reply containing the link to the web page. The auto process will also only respond to certain e-addresses such as *.nhs.uk and *.nhs.net - so that the location isn't given to just anyone.

 

Mike.

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  • 1 year later...

Thanks for this. Ideal for carrying in wallet. Would be great if we could save the card completed but then only change the parts which may need changing regularly like current medication. I can understand the need to protect the file but it can be a bit time consuming having to re-enter every piece of information just to remove/add 1 item of medication. Still a great idea though.:-)

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Out of interest. Which software was used to create the Medical Alert Wallet Card. I'd be interested to maybe try creating my own. May even try with photoshop, at least I can save various parts as layers in pds file. Regards.

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If you actually take the time to read post#1 the instructions on how to save are there, read from the WARNING onwards.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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If you actually take the time to read post#1 the instructions on how to save are there, read from the WARNING onwards.

 

FYI. If that statement was meant for me then please do not be patronising. I read all the above and understand that you have to save the pdf under a different filename. I was just saying that it would be better if we didn't have to enter each piece of information every time we had to update the card. Being a quite recently diagnosed diabetic, who has been in hospital quite frequently for surgery and infections my medication has been, and probably will continue to be, changed quite often ie. Insulin doseage. It is therefore quite tedious having to re-enter every piece of information just to ammend, for example an insulin dose from 30 units to 40 units.

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I see nothing Patronising in my response.

 

Your post#4 and I quote this part of that post:

 

I can understand the need to protect the file but it can be a bit time consuming having to re-enter every piece of information just to remove/add 1 item of medication.

 

The Protection is there as this is CAGs work freely available to download and use. (No the protection will not be removed)

 

As for a bit time consuming having to re-enter everything, that is why I mentioned what I did in post#6 which you seem to have taken offence at. If you had followed the instructions in that post you would have no need to keep having to re-enter everything.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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I see nothing Patronising in my response.

 

Your post#4 and I quote this part of that post:

 

 

 

The Protection is there as this is CAGs work freely available to download and use. (No the protection will not be removed)

 

As for a bit time consuming having to re-enter everything, that is why I mentioned what I did in post#6 which you seem to have taken offence at. If you had followed the instructions in that post you would have no need to keep having to re-enter everything.

The way I pick it up from your message in post 6 if I save the file with a new filename then I should be able to edit that file. Unfortunately, when the file is saved under a new file name it is also saved with all protection still in place therefore, the newly saved document, cannot be edited. Hence the need to re-enter all data again. Like I said a great and useful idea, which in my case, in the long run I'll probably return to once meds are all settled and not changing every fortnight or so.

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I have just tested this by using open from the website then using save as. I have then been able to go into the document multiple times and making small changes and saving between each, creating a new version of the program. As it is a PDF, I am using Acrobat Reader DC to update the file.

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