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    • Dear New Tenant   L C S !st Floor West Wing Town Center House The MerrionCentre Woodhouse Lane Leeds LS2 8LY   02/03/2021   Our Case Ref xxxx Re Our Client E.On   Outstanding balance: £37.xx   FINAL NOTICE   We have been instructed to act on behalf of the above named client to recover the sum of the outstanding of £37.xx for dual fuel consumed at X Whatever Road, Sometown , Anyplace. Despite our previous communications and offer of help we have not received payment or valid reason for non payment for the outstanding balance.   Until you have cleared the outstanding balance, your details may continue to be shared with a credit reference agency.  Other lenders may see information about the way you pay our client and the amount you owe them which could affect your ability to obtain future credit.   In order to prevent any further action and potential inconvenience, we would urge you to pay the full sum immediately or alternatively contact our office on 03445439130 quoting Ref xxxx to discuss your options. Alternatively please email us at [email protected] quoting your reference.   Yours sincerely   Rebecca Carter For and on behalf of LCS   I suspect this is the kind of letter they send when they know they are stuffed?    
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    • Hi, I’m sorry I haven’t replied sooner and that I wasn’t clearer. The situation is this.  I had a pay as you go sim and wanted to change to a VOXI pay monthly account. the guy on the phone said I’d need a new sim that would be a standard pay monthly sim. He told me that once I got the sim then I could call and have it put on a VOXI account. So. I agreed but at some point in the,long conversation after he ordered the new sim he said that infact I didn’t need a new sim and could just change my pay as you go sim into a VOXI sim. so he did that. I assumed that that was the end of the matter. I had done what I set out to do. And didn’t think about the ‘new’ sim because it was not needed. I assumed he had canceled it because it was not needed. then in January I get a letter saying I was behind on my phone bill. so I called them and that’s when I found out the ‘new’ sim had been ordered but never arrived .
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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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    • 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.
       
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      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. 
       
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      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!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Hi All

 

Have a question ( hope I am posting in the correct forum)

 

A friend of mine lost some money on an online gambling site (Jackpotjoy) and he wants to claim that back through the bank because he feels that the site misquoted the winning odds and he didn't win a single game. Is it possible to claim the money back through the bank since he essentially missold a product? or am I wrong here?

 

Any advice will be helpful.

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I bought lottery scratch cards and they state winning odd 1.4 = I did not win = can I claim NO1111111111111111111111111111111 I paid my money and took a chance.

 

sure others will comment also?

:mad2::-x:jaw::sad:
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Hi All

 

Have a question ( hope I am posting in the correct forum)

 

A friend of mine lost some money on an online gambling site (Jackpotjoy) and he wants to claim that back through the bank because he feels that the site misquoted the winning odds and he didn't win a single game. Is it possible to claim the money back through the bank since he essentially missold a product? or am I wrong here?

 

Any advice will be helpful.

 

He feels the site misquoted the odds?

Or "He knows the site misquoted the odds"?

 

What were the odds, and how many games did he play?

Did he really win none at all of those games?

Were the games purely of chance?

Were any of skill? Or a mix of skill & chance?

 

You can probably see from the questions that I think he has no likelihood of succeeding unless he can show that he should at least have won some games and that the odds were misquoted, but this is difficult.

 

Even if a game has a 1 in 5 chance of winning, and you play 20 games, you'd expect to win 4, right?

Yet the probability of winning none is (4/5) ^ 20, or 0.0115, or 1.15%

Played 20, won none? He could claim "fix" or "odds not as stated", and the company would reply "not fixed, odds as stated, he must just have been in the 1.15 percent"!

 

 

The site operators know the odds are in their favour, that they can make their money without cheating ..... So although this doesn't preclude them cheating / misquoting odds, it does make it less likely!

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Just doing a searach on the internet on Jackpotjoy and there are people calling it a [problem] company. the are advertising an average of 95% payout rate but alot of people are disputing it. Also it seems (and I may be wrong here) that the comapny is an offshore comapny so not licenced by UK gambling commission.

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saroash - threads merged and irrelevant post removed :)

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I agree with Bazza.

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Uploading documents to CAG ** Instructions **

 

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

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From just one of their advertising posts:

"95% payout rate"

"£47 million paid out last month",

So, say it was 47.5 million, then £50 million wagered with a 95% payout rate would be £47.5 million paid out.

 

That's £2.5 million profit (before tax and expenses) per month.

£30 million per year.

If we stick to the "47 million paid out" rather than making it 47.5 million for ease of calculation ; it is still £29.68 million per year pre-tax / expenses.

 

They don't need to cheat. They just need people gullible enough to play at the odds they have stated.

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