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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
      • 33 replies

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Put this here as seems most likely place feel free to relocate:

Query about the threatening letters being sent out to residents who are still minors by Elections at Portsmouth City Council filled my electoral roll form including daughter as she is just 16 in the section for this.

 

They send her a form to require my daughter to register as it says on the form it will “mean you can vote at elections” No it does not! If she fails to register by 30/12/15 there is an £80 fine involved. When contacted the officer at Election Services had no idea of the legislation backing this threat up or the right to demand information from a minor and tried to hedge and say it was an invite, you can invite someone to an interview under caution but they don’t have to attend or you arrest them and they do.

 

As soon as there is an element of coercion it ceases to be an invite its making someone an offer they can’t refuse. The other excuse was that the form was provided by the Electoral commission and they just sent it out and they wanted to be ready for when she would be eligible to vote and the age is being reviewed, but the government is staunchly against this and so it will not change till at least after the next election..

 

Asked if their head of legal services had checked the form told they wouldn’t alter an Electoral Commission form. Is this really a good way to encourage young people to engage in politics? I suspect most teens will just dump it in the bin so it could be a nice little earner for Portsmouth City Council. Anyone else had this?

Edited by citizenB
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the old forms required the householder to enter the detail of anyone approaching the age of 18 but the new system requires the individuals to register themselves. How do they get their info? by sending out the old type form. So question is does your daughter need to register herself. The government site say she CAN register but that doesnt imply that she has to. Perhaps your daughter should ask under what peice of legislation is she obliged to as the draft paper was withdrawn last year. That also included a lot of other things like being able to vote for "none of the above" (my favourite candidate)

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Why not speak to someone on your local newspaper - I am sure they would be happy to print something like this ?

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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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Spoke to electoral commission they say she must register or be fined if asked to register by local authority but again cant say why they lie on the form saying it means you can vote contacted mp

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https://www.portsmouth.gov.uk/ext/documents-external/dem-electoral-registration-form.pdf

 

Hmm, well according to this you do have to register once you pass your 16th birthday, but you just cant vote until you are 18 !!

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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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I only just registered with PCC last year, having never been registered to vote in my life, I had all the threat letters from PCC saying that I had to register ''by LAW'', but when I asked their doorstepper to tell me which Law they were referring to they couldn't, so simply told them I wasn't interested and shut the door.

 

They use the threat of fining you so they can get their bit of commission out of you, plus councils are under pressure to force residents to register to vote, because that;s what a democracy is, forcing you to vote, or face a financial penalty.

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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The vote bit is not my issue, personally I think if you don't vote you cant moan, its about a minor who cannot vote being forced to put her details on the electoral roll with the lie that this means she can vote.

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The vote bit is not my issue, personally I think if you don't vote you cant moan.

 

Love that argument, personally I think that if you DO vote then you can't moan, after all you voted them in, I just sat at home.

 

However, I completely agree with you, that if YD can't vote until 18, then I fail to see why she needs to be registered.

You could write to Donna Jones and ask her, or Flick Drummond, both as much use as indicators on a submarine, but you never know?

As for fining YD for failing to register, not going to happen, PCC aren't competent enough to string a sentence together least of all an argument!

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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