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    • then they can't comeback IMHO if you stop paying. you should have stopped paying there and then, but i suppose stepchance again poked their nose in and said either you cant just stop some debts through the plan, keep lining ours and their pockets.?   they are correct they cant register defaults themselves only the OC can.    
    • Hi Bankfodder   Yep, it's these guys.  I paid by debit card; online purchase.   I have been emailing them.  Should I send a letter?   Thank you for your help x
    • Hi all. I would be grateful of some advice please if anyone is able to help.   I had a new washing machine delivered by Currys on 5th Feb. It was faulty from the start so I tried to inform Currys. They told me to contact the manufacturer. I knew that they were wrong to insist on this but I did so anyway, and I now have an email trail from LG telling me that an engineer visit is needed. I refused the engineer visit and told Currys I wanted to use the 30 day rejection as per CRA2015. I know CRA2015 fairly well because I had to use it for a faulty car last year. Currys just kept telling me that I had to go back to the manufacturer.   In desperation I emailed the Currys/PCworld/Dixons CEO. I realise that he won't have seen the email but one of his minions got in touch and promised to help. After a very lengthy email conversation over a few days this guy told me to contact the manufacturer!    I sent Currys (by post and email) a Letter Before Action, telling them that if it wasn't sorted by 15th March I would take action. I offered mediation but they ignored it. I sent the email to head office and sent copies to all staff I had previously dealt with as well as the CEO. I received one email reply, from the CEO's minion, telling me that he was sorry that we had been unable to resolve this amicably.   To date I have received no reply to the LBA, nor do I expect to receive one.  I have used moneyclaim online before, so I am not too worried about doing that. The only issue I have is that I know that if I lose I will be liable for their fees, so do I let these people get away with this or is there some way I can guarantee that I won't be faced with huge fees?    Thanks for reading this far!
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    • throw the 'i did have the cards and spent the money so...' morality trip out the window... when did you take the cards out? when did you last pay them anything or use the cards?    p'haps it's better to look at a wider picture here...   are there other old debts on your credit file you have also ran away from? could others pull the same stunt and get easy default judgements to an old address?   during the period when these 3 cards were granted was your credit file shot with lots of defaults and bad markers and negative information?        
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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
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      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.
       
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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!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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      • 33 replies

refused council dilapidated house, intentionally homeless. left to die on streets


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I was offered a house which was in dilapidated condition from the council.

 

At the time an acquaintance tried to sort me out with a shared private let,

rather than move into this house of horrors, but this fell through.

 

The council deemed me intentionally homeless because of this.

I was refused access to my housing officer and refused my right to make a complaint about the property,

at the time when i had to make a decision.

 

I had a couple of days time frame to make this decision.

 

My appeal failed and i was to be cast onto the streets like a leper, but fortunately luck was on my side.

 

An near impossible feat for an unemployed person in Edinburgh,

i found a private let through an x-landlord i was with while i was at university here.

 

So my question is,

 

how long does this unusual punishment last if you are struck of by a council?

 

Is that it for you?

 

are you just left to die on the streets or maybe luckily find a prison cell?

 

https://www.flickr.com/photos/[email protected]/with/14339100655/

 

some pictures from a temporary accommodation dwelling courtesy of Edinburgh council and associated partners. A few of my holiday snaps

 

heres the house i refused

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I wish i could offer soemthing constructive, but they did similar to me and far worse 9 years ago and not been able to recover since.

 

They not only stole my home and sold it to private developers, they stole most of my possessions and all 'papers'. So no bank account. No benefits. Unable to work. They beat me, Dislocated my back and jaw.....and far worse that I won't go into on a public forum here. It's not just construction workers that get blacklisted by the state- and that was just early stages. They've stolen what should have been the best years of my life anyway and i can't even find out what their names are. They also gang raped the woman who should have been wife.

 

Fact is suspected G-men can do whatever they like with immunity. Epitomised by the fact that they also creep up behind people wearing disguises and shoot them repeatedly in the head.

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Far worse place than the official prisons they put me in for a while......if you are targetted you have no chance and no hope of rebuilding a life for yourself ever again. My prference was to die on the streets.....so still in a kind of prison now with no possibilty of parole. Constant surveillance, constant pain....trouble even walking far and they refuse medical attention even if i was inclined to accept it.

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Would there have been some funds provided to tidy it up a bit ?

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well, remind me not to take you up on that dinner invite conniff. They would have given us £40 to paint citizen b. You can apply to charities for items for the place, but as you can see it is not fit to furnish by a long shot. They wanted to move me straight in there, no warning

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well just shows you the state of this country and the people who run it need to be held accountable. There paying out £700 to £1800 a week to store people in half way houses, while they sold of all the social housing on the cheap and never replaced it. I hardly blame the poor people who have had these circumstance inflicted upon them

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well, remind me not to take you up on that dinner invite conniff. They would have given us £40 to paint citizen b. You can apply to charities for items for the place, but as you can see it is not fit to furnish by a long shot. They wanted to move me straight in there, no warning

 

 

Ah right, I certainly wouldn't want to move in there without it being a bit cleaner that's for sure. But I guess with a bit of paint and elbow grease then it could possibly be made quite comfy!

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Although many people suggest shelter

I have to say I found them a facade with a fancy name.

 

When i became homeless i phoned an 0845 number to get through to them and spent a £10 waiting on the line just to be told they could not help.

 

Theres no point in lying to you, council temp accommodation does make you feel like your on gods waiting table.

If you do find you have no choice but to accept temp accommodation, make sure you speak up if there is any problems.

If you do not officially complain and be articulate about it you will be left there.

 

They do however respond to complaints, and you are most likely going to be served a turkey to begin with. If at council office best to record any meetings on your cellphone so you can refer to things later.

 

They tell you you are not allowed to and will terminate meetings if you admit it,

but it is your personal right to do so for reference purposes and only becomes a crime when passed on to another person.

 

They are notoriously incompetent and corrupt so i suggest you do so. there are also a range of apps for recording incoming phone calls, for samsung it is called a "galaxy recorder".

 

The battle begins when you enter these temp accom places believe me, so prepare yourself.

 

At least this way you can speak with assurance that you know what you are talking about, and if it ever came to a court case you will have cover

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i just can't work this out....looked like i was being 'allowed' to post ok again....but my posts ont his thread are only visible to me after i logged in? they're not there when i'm not logged in...so can anybody else see them? also odd i'm not subscribed to any threads......so looks to me like a corrupted user profile or the general 'fascism' thing again....

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be my guest

 

I am assuming this is in response to my post?

 

Whilst I agree that is disgraceful that any Housing authority would have such properties on their books, If I were desperate for a home, then I would certainly roll up my sleeves !

 

Your video didn't actually show the true state of the place because it was so dark. I noticed that you didn't film the kitchen or go too far into the bathroom.

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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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the video focuses on the damage, the kitchen and bathroom were new

 

If this is so, then I think a lot of people would have jumped at the opportunity.

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Uploading documents to CAG ** Instructions **

 

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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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http://scotland.shelter.org.uk/get_advice/how_we_can_help/_free_housing_advice_helpline

 

I am not sure why you spent £10.00 on an 0845 number when their housing helpline is free ?

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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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the people who seem to be in control of this forum are petty and have a superiority complexs. They accuse me of not taking advice and reacting negatively to advice, and trying to stifle other peoples opinions, when in fact they close my own threads, and then continue to post on them after i have been denied access. This is the behaviour of a bunch of spoiled school boy

 

well it was not 5 years ago

 

the good Samaritans are an 0845 no now, saw it with my own eyes in the doctors surgery the other day. Good if your feeling suicidal due to benefit cuts eh

 

it does seem that they have now revised there practise and are now using 0808 no which are costly from a mobile but you can download a free app now according to moneyexpert.com

 

it has come to my attention that none of these so called gods of the forum, the chosen ones with such overseeing good advice, have not even attempted to answer my question yet. Instead they have insisted on putting all their energy and resources into demeaning my post, acting like a blue collar gang

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Chris, this isn't about gods or being demeaning. If you're asking for opions and advice sometimes you might not always agree with what comes back. We're not seeking to do anything other than be objective. It's pointless blindly agreeing or sympathising with people when, in reality, it doesn't help.

 

I'm sure someone with the answers to your questions will help - but it seems that you might be best contacting the council and hearing it from them.

My views are my own and are not representative of any organisation. if you've found my post helpful please click on the star below.

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yes but the difference is if you disagree with the admin on this site you get your thread banned while they continue to post on it like a desk top mafia. They are generally demeaning and insulting and if you try and defend your self you get banned. This is a bureaucrats forum, not a consumer action group

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