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    • you need to ring northants bulk and ask for a copy of the judgement and the claimform by email pdf. it is quite usual for them to not have a copy of the claimform. so you need to record the call and ask them to read out the particulars of claim and the address it was sent too.     old wives tales , if you have a debt owing that shows on your credit file or you know exists from say the last 7yrs you should NEVER move without WRITTING to the debt owner with your new address. never run from debt which falls within the above .     all mortgage style SLC loans that were not deferred with erudio following the gov't sale in 2013 and that did not have a court claim raised within 6yrs are SB'd.   drydens simply did this because they wrote to your old address, got no response, and knew they'd get a default roboclaim CCJ where no human checks anything.   shot yourself in the foot.      
    • yep.   if all these are still owned/with the original creditors and you are not paying any powerless DCA's  then little point in any CCA requests at this stage unless any (non OD A/C's) are say pre 2000 opening.   our pro rata letters are the way to go you'll find those in the debt collection section of our library.   get any income payments on going or otherwise moved into a parachute A/c.   it is most probable that whatever you do most A/c's will be defaulted once this is done if not already. bearing in mine your wish to re mortgage or move in a future, it is most probable that the quicker you do default , the earlier a DN will be registered thus the earlier these will not show following their 6th birthday. this might involve you thinking about stopping all payments now ensuring this does happen, then resuming payment under a pro rata scheme self administered , once this happens.   just be aware that no DMP providers will ever question enforceability, should that be relevant.     
    • LL would have Absolutely no chance of getting the smart meter changed back.....
    • slow down ...read what i'm asking , stating and trying to clarify.. it all might seem useless or totally irrelevant but it's important information moving forward with the whole situation and useful in the SPC claim moving forward     there was not 2 loans - the litigated OD is not a loan but it appears from your comment here..     sorry but then you did get scammed on many fronts... they allowed you to settle the loan exploiting your confusion over thinking it was the litigated account. they didn't tell you either and they would also have been aware of your statement filed response form:   The respondent had a junior account with the Bank of Scotland since a young age.  The Bank of Scotland offered the Respondent a loan of around £2500. This Respondent serviced the loan until losing her source of income and ran into some financial difficulty resulting in defaulting in servicing the loan.   they settled for a discounted sum... why? we usually find this is because they hold no enforceable paperwork at all. or was full of charges , charges could have been the discount or it could have been due to 'a business decision' ...   but sure as eggs is eggs there is no way 1st credit would not have raised a court claim for both the OD and the loan unless there was a very good reason. they didn't that smells...badly.   OD 's are notoriously difficult to litigate upon if defended properly...but with a loan in the same claim, with enforceable paperwork, they would have almost been guaranteed to win.   it's also a shame you didn't come where before you did anything but we are where we are.   now the above might seem harsh..even petty but our posts are not only for you and your issue they are also for future readers that find us via search engines or read like threads here alerting debtors to frequent pitfalls and innocent wet myself actions many do that all these dca's will and have exploited time and time again over the last +40yrs .   i'll try and get around to properly redacting all your pdf's tonight and get them back up. but before i finish and get on with the above........the status of the claim as it stands now.   From what i can gather the claim now hinges upon proving her ex at the time settled by a discounted payment to HBOS well before the sale to Intrum and the SPC Claim.   In all honestly and with regard to your comments in your previous posts upon his character, i seriously doubt this ever happened. the disclosures from Intrum contain all the OD statements , should that have happened, it would be detailed in those.   there is little point in the claimant hiding that info as they would be in far more legal trouble should they have doctored them than insuring a mere +£1k claim win. Even 1st credit wouldn't pull such stunts.   Sorry but there is little point in requesting HBOS to attend any future hearing, nor hoping the SAR shows anything different to the statements the claimant has disclosed . That will cost you more money , and more money in terms of the claimant attending another hearing.   there is one exploitation i see. that being the mention of a default notice. the claim states:  The respondent fell into arrears under the Finance Agreement. A Default Notice was Issued by the Original Creditor .   now default notices are not issued for OD A/C's (which ties in to the possible loan confusion and scam settlement i mentioned) . This tallies with a common mistake that many DCA's, including why i keep mentioning 1st credit, which is the previous name for Intrum, made on numerous claims and was one of the reasons for the name change. To Hide that They lost many Statutory Demand and court claims over the non existence of a DN or proof of it's issuance by the OC (a DCA can't issue a DN) .. No copy of a default notice is fatal to to successful  litigation.   even though in this OD case one was not ever needed. (Poor particulars of claim showing copy and paste, and never expecting a claim to be defended but responded to by a wet themselves response , which you did by settling a loan which you believed was the claimed debt when it never was)    other than that you indicate you made an OOC F&F offer in 09-20  have you advanced this option since ?   dx
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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!
       
       
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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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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Tripped and fell in supermarket car park


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Hi

 

 

I tripped and fell in Sainsbury's under cover car park.

 

 

There was a pool of water on the floor and I fell flat on my face breaking my front tooth and nose.

No one from Sainsbury's came to my aid,

two passers by helped me to my car and I phoned my daughter who drove me to A and E.

 

I went to Sainsbury's the following day and spoke to the deputy manager, he filled in an accident form.

 

 

Went to the car park with me and took photos, examined my shoes

and told me he would look at the CCTV footage and call me up last week.

So far nothing!

I also showed him the A and E report.

 

My dental bill so far is £350 with another £600 to replace my partial denture.

 

 

Can anyone help me draft a letter as I wish to claim compensation?

Do you think I have a case?

 

I don't know what the CCTV will reveal because I was on the floor covered in blood for a while

and they never sent anyone to help me.

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TBH I don't rate your chances high at all.

 

If it had happened in store then a different kettle of fish all together, the store, even though on private land, can't be responsible for customers falling over, UNLESS, there is of course an obvious fault/crater/pot hole in the car parks surface where you fell?

 

I think you will be at the mercy of the store manager here, at best they may give you some shopping vouchers, at worst, nothing.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I think the car park area will be contracted out, like most, to a PPC.

 

Was the ground damaged at all?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I beg to differ, the owners of the land (Sainsbury's) will be responsible for the actions of their contractors as their direct agents

 

I would think Vicarious Liability which is strict covers this as the tort took place during a period of employment, that is Sainsbury's and the car park contracted operator

 

It has not even been confirmed yet if Sainsbury's car park is managed by a third party operator. If the car park is free i very much doubt that

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The walkway was very wet but I didn't see any damage. Obviously after the fall I was so injured I didn't take photos. Which was odd for an undercover car park, the wetness I mean

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Damage as such is not the issue

 

The issue being was the water in the covered car park excessive??

 

CCTV will cover that

 

You need to be requesting a copy immediately before it is wiped of the accident

 

I would be phoning Sainsbury's head office today and back up the request by email as a paper trail

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We have limited details but there is certainly enough to say you will probably have a claim for personal injury from the supermarket.

 

Google a personal injury lawyer that offers a "no win no fee" deal and let them run the claim for you.

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We have limited details but there is certainly enough to say you will probably have a claim for personal injury from the supermarket.

 

Google a personal injury lawyer that offers a "no win no fee" deal and let them run the claim for you.

 

So if I walk in a car park, trip over my own feet and break my teeth, I can sue the landowner?

 

The op has already said no damage or obstacle, and that it was just a puddle.

 

 

Accidents happen and if the car park does not have a fault,

and the op did just trip over their own feet,

then how can they claim?

On what grounds?

Because the supermarket failed to keep the car park dry?

Because the car park was not perfectly level?

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So if I walk in a car park, trip over my own feet and break my teeth, I can sue the landowner?

The op has already said no damage or obstacle, and that it was just a puddle. Accidents happen and if the car park does not have a fault, and the op did just trip over their own feet, then how can they claim? On what grounds? Because the supermarket failed to keep the car park dry? Because the car park was not perfectly level?

 

Did the OP not say she slipped in a puddle?

 

Where are you getting that the OP tripped over their own feet? Unless I missed something of course.

 

no wonder fraudulent claims push up fees - get a life

 

What is fraudulent about what the OP has said?

 

Try being less ignorant next time.

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At the moment, I am trying to understand how one can trip over a puddle, but I may have missed something..

 

How about oil or diesel mixed in with the rain water??

 

After all it is a supermarket car park

 

Being an ex-motorcyclist a deadly combination for grip

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Well thank you for your concern. Talk about jumping to conclusions, which is not helpful.

 

 

I didn't trip over my own feet,

the path where you are supposed to walk is a different surface to where you park your car.

 

 

The floor was wet and slippy, with a pool of water on it.

No warning signs.

 

 

The manager checked my footwear when I returned to the store to fill out the accident form

and ensured there was no trip hazard or loss of traction.

 

I certainly do not make a habit of making fictitious claims but I feel the supermarket was negligent

and as I have over a thousand pounds out of pocket expenses,

I will make a claim, if I feel fit.

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The walkway was very wet but I didn't see any damage. Obviously after the fall I was so injured I didn't take photos. Which was odd for an undercover car park, the wetness I mean

 

Ok, This is the question. What caused you to trip ?

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I find your remarks quite offensive

I have never attempted to make a fraudulent claim in my life.

 

 

I ignored your first comment about the rain as I thought your attempt at humour was misplaced,

even with the poor spelling.

 

 

I think you need to think about what you are saying before you jump to conclusions.

This is no joke,

 

 

I have been asked to decide if I will have surgery.

This is after two major surgeries this year.

 

I think if you are just here to vent your spleen and not offer constructive advice

you are part of a problem not a solution -therefore you appear to be the one who needs to get a life

 

It was the wet ground, it made the surface slippy and slick and I tried to save myself from falling. My shoes had traction on the soles but I still tripped.

 

 

I don't welcome offensive comments about fraudulent claims. This is the first time I will have made any claim about anything.

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no wonder fraudulent claims push up fees - get a life

 

What is fraudulent about what the OP has said?

 

Try being less ignorant next time.

 

Both of these remarks are extremely unhelpful

 

Ok, This is the question. What caused you to trip ?

 

And of course this is the obvious question which no one else bothered to ask.

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I thank the genuine people who are trying to help me and giving their advice.

 

 

I don't want to claim for pain and suffering or loss of earnings

 

 

but I just want to know what are my chances of recouping what I would have to pay the dentist,

 

 

as well as what I have already paid.

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