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    • The gaming giant is offloading the Venetian in a $6.25bn deal to invest in Singapore and Macao. View the full article
    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
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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

Are Children Missing Out On The Great Outdoors-Some Think They Are.

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What do you think.

Are some children missing out on the great outdoors and what it offers.

Do you think perhaps as technology came in things changed.

Do you really think computers help children learn or do you still believe in the old ways.


I myself am obsessed with the outdoors ever since a child.The smells as you walk through woods.

The crashing waves,and things you can learn on the shoreline.


A walk through a forest.

The unexpected nature you come across.That never fails to amaze you.

First forest i came across was Grizedale Forest in the Lake District.Still think of it to this day.


Castles and places like that where you can tell some stories,sometimes tall ones if you feel so inclined.

Or your local park,a exciting place to visit.


For myself it started when i went looking for a Dipper(a bird) in Wales.With a chap called Cluellyn Magnus Jones in Denbighshire.Way back in the 60s

And came across hundreds of rabbits in a field unexpectedly.

Just wondering what you out there think of things.


Only problem i find as you get slightly older is the fresh air puts you out when you get home.

No harm in that and the youngsters sleep well as well.

All that fresh air.

Just not keen on some questions like-"In your time was everything black and white".



With research suggesting that children aren't spending enough time in the great outdoors, Caroline Fitton of the local Wildlife Trust explains why we should be doing more to nurture their love of all things natural.


From a falling leaf to a cloud in the sky, nature captures every child's inquisitive sense of wonder. Spending plenty of time outdoors and engaging with nature and wildlife is one of the best things for any child, helping to develop fertile imaginations and bestowing a lifelong appreciation of the natural world.


For many of us, spending time outside when we were young was a large and very valuable part of our childhoods; new technology and increased 'screen' time now bring concerns that the new generation are increasingly missing out.


Much more on the link.


Read more: http://www.cambridge-news.co.uk/kids-engaging-nature-little-help-Wildlife-Trust/story-28183303-detail/story.html#ixzz3rgNi1XGr

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Absolutely YES

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips


£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.


Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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My nephew is heavily involved in setting up outward bound centres across the country, to the extent that he was seconded to the Cabinet office for 6 months. Children learn so much and their confidence grows as they try activities they wouldn't normally have the opportunity to try.


It is also recognised that much younger children can benefit. My daughter is taking a qualification as a forest school leader to teach nursery age children about the great outdoors. I'd never heard of it but it seems to be well recognised as beneficial. In fact her assessor is with her today seeing her put the theory into action.


It can only be good for children to learn and enjoy the great outdoors and what it has to offer.


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Advice & opinions given by Caro 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.

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It is very sad that so many youngsters are missing out by not being encouraged to be out of doors either exploring nature or involved in sports .


Born and brought up on a farm, I was never indoors. School had access to grassed areas as well as hard core pitches. We also had access to sports grounds that were used by many schools in the area.


At home we didn't have television - so if the weather was bad - our indoor entertainment was radio and books - jigsaw puzzles - card games.


I walked 2 miles each way to school up until my Junior schooling. If the weather was bad, Father used to pick us up on the tractor.


We lived in a small village so everyone knew everyone.


I loved my bicycle, roller skates or scooter.


We joined clubs - cubs - scouts - brownies - girl guides and went on camping trips.


Then society moved on. Our youngsters are ferried back and forth to school in cars, regardless of the distance.

Parents and children alike are scared to speak to strangers (for very good reason)

School sports fields were sold off as they sat on prime building land.

School grounds were built on to cater for increased pupil intake.


Lack of Adults wanting to volunteer for clubs or sports because of Health and safety or CRB Checks or work commitments.


First television and then computers keep our youngsters inside

Working Mothers mean that youngsters aren't ferried to available park land where youngsters can play.


Increase in travel costs don't allow for some families to have a "day at the seaside"


An increase in blocks of flats where the green spaces are used as dog toilets or meeting places for gangs


Increase in consumerism where youngsters would rather hang round shopping centres than green spaces.


Health and safety and compensation culture is also to blame.

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