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    • The two companies are lowell and cabot.   I'll get the information and come back with it.   I did do quite a bit of 'Google' research before coming on here. There's a lot of confusing information out there they seem to tell you half the story.   Just so I'm clear. Bailiffs in my situation, if authorised by a court. Can enter the property through an unlocked door and seizure goods? Or can they not do that with a consumer credit ccj? Or point me in the right direction so I can read up on it.   Thank you for your help. It's good to finally speak to somebody who tells you how it is.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help         Edit:   I was jus reading the cpr 13 template and it says i am requesting: " (template removed - dx)
    • Hi dx   Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently.   I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article'  as I dont think the PPi team showed them the original claim form maybe, who knows.   Expanding, sorry I missed the word PPi after 'loan' in my post you quoted and highlighted. To be clear, the life protector was not for a loan, but a mortgage, and that mortgage did have a mis-sold PPi on it which they have admitted and refunded.   If it helps, I have several mortgage offers here from 1999 and they say 'Minimum life cover to be assigned to the bank'    The odd thing here is, I started the mortgage and PPi in 1999 but it was 2003 this life assurance started. I do categorically recall being told it was something I had to have though.   Many thanks   E 
    • MP's are good for other things but for some reason are not very good for Council Tax.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help  
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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
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It's a brand new build, and is suppose to be very energy efficient, however I'm not convinced it has been properly insulated.


The heater is a "heat exchange unit", so there is no boiler in the property, just a big unit somewhere else which pumps hot water to each flat which is used for hot water from the taps, and heating.


The issue is that I would leave the heating on its highest setting (30), for several hours at a time, but the flat never gets warm, it stays below 20 I would imagine. The radiators warm up (can comfortably hold your hands on them), but no where near the temperature I have seen with gas boilers. I am having to use electric heaters along with the central heating to warm the flat.


Is there any duty for them to provide me adequate heating?

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Now that is an interesting topic.


Do you know if the heat exchange unit is



a) Solar powered

b) Ground source heat exchanger

c) Air source heat exchanger

d) separate boiler room


b & c are like fridges but in reverse.


I would assume that you pay a service charge for this privilege and as such, they should be adequate for everyones' needs.

You should make your HA aware of this just in case the system isn't balanced correctly.


As an aside, I live in a flat with a separate boiler room. This supplies 20 properties and all of us can have the place as hot as we want and nobody else goes without hot water.

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Have you spoken to neighbours to see what they think of the heating ?

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Buy a decent thermometer and record some readings.


Check your neighbour's radiator temperatures.


It would be easy for the HA guys to check the temperature and flow rate of the water coming out of your system.


It is possible for things to go wrong in new-builds. A friend of mine with a similar system found that they had fitted the hot and cold the wrong way around in his heat exchanger, for example.

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b) Ground source heat exchanger

c) Air source heat exchanger


Heat source pumps do not generate high temperature water (typically, 30°) and are generally recommended for use with low temperature radiators and under-floor heating. Most units also have an internal electric heater, so if the thermostat is turned up too high, the heater kicks in and consumes a substantial amount of energy.





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Thanks for your replys. I will check with the HA.


I do have a temp logger that I've set up in the hallway. Temp was 17.5c before heating was on. Heating is on full for the last 3 hours now and its at a whopping 20.7c

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Move you temp logger to lounge.

If the hallway achieves 20.7c, I guess the lounge reaches an acceptable cosy 22-24c, with fewer draughts and large rads. Anything more is a waste of energy IMO. Temp can be supplemented per room by judicious use of an electric fire/fan heater.

A red glow in room can mentally increase perceived temp by ~ 1 degree with no additional heat input.

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I assume you have radiator valves that can be set to a particular temperature? And that you've set them high too?


Where in the country are you? It's quite warm where I am (south-west) so what you report doesn't sound great.


The other thing to check is to see whether one side of your radiators is very cool. There should be a difference in temperature, but not a very noticeable one. If one side is cool it suggests a lack of flow of hot water.

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I wish there was legislation forcing Housing Associations to provide adequate heating. the only heating in my flat is a storage heater in the living room which doesn't warm the room up very well, because all storage heaters are useless, and it costs around £4-£5 a day to have on!!


There is an electric heater in the living room too, but again, that wipes the meter credit out extremely fast, it's ridiculous.


Each flat has the space to put in a gas boiler for example, because the Hot Water is run by ancient boilers controlled by a ticking mechanical box, looks like 1970's technology, and they again cost about £2 a day to have on, so it's not affordable in these flats to have hot water or proper heating with what has been supplied, and the areas where the Water boiler is kept is more than big enough for a Gas Boiler. There is also a very large back yard/garden and they could easily put in a small unit with a communal boiler.


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http://imglnk.uk/img?i=tNLvPz.jpg (larger)


This is my flat temp. The large peaks are when the heating is on full in the evernings, the smaller peaks are when it comes on in the morning.


Sorry for the crappy chart, never used excel for charts before.


User Information RC-5 Data Logger

Number 1

Interval 0:15:0 H:M:S

Delay Time 0.0 H

Data Sum 206

Temperature Maximum 22.2°C

Temperature Minimum 17.7°C

Temperature Average 19.4°C

Temperature Alarm Upper Limit 60.0°C

Temperature Alarm Lower Limit -30.0°C

Start Time 2015-11-25 19:17:56

End Time 2015-11-27 22:32:56

Date Format yyyy-MM-dd HH:mm:ss

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I assume you have radiator valves that can be set to a particular temperature? And that you've set them high too?


Where in the country are you? It's quite warm where I am (south-west) so what you report doesn't sound great.


The other thing to check is to see whether one side of your radiators is very cool. There should be a difference in temperature, but not a very noticeable one. If one side is cool it suggests a lack of flow of hot water.


Yes, all the rads are set on full. I am near London.

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Hi JoeyJoeC


Does the Heat Exchange Unit have any information on it i.e. Make, Model, Serial etc?


Now you say a main heat exchange unit somewhere else that provides hot water and heating, by heating could you clarify if the heating is radiators?


Do you pay for heating and hot water as part of your rent or is there a separate agreement for this?

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Interestingly, the flat temperature doesn't seem to go very low.


The old, but reasonably well-insulated house I was in over the weekend was down to below 15C when the heating wasn't on, and that was in Torquay (where it is usually warmer - I haven't checked the weather).


So it suggests that there are no draught or insulation problems - though it's worth checking the window and doors for leaky seals - especially when it is windy like today.


How many hours is the heating on for in the evening?

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