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    • Thank you Andy, that is invaluable information, and very reassuring, i have some idea of what to expect. I was fearing that I was going to be grilled for two hours continuously and the prospect seemed incredibly daunting   Yes indeed I am going to prepare some notes on a separate paper as you say, it's a great idea thank you
    • CCA/CPR should have gone off 2 weeks ago!!    
    • Hi,  Sorry about the late reply its been very busy.  CCA and CPR are being typed up now ready to go out tomorrow.   I had her look at her credit file and she thinks she has found the correct one for Cabot with a date that matches the one on the claim but it has her current address not the one she was living in at that date.  No information on last payment or defaulted date.  Also, no account number on Cabots claim form either.   Honestly she has had multiple accounts with JD Williams various outlets over the last 20 years, at least 3 with Jacamo who keep lending to her despite her having no income.  She is trying to get herself out of that debt cycle, but she is disabled and easily led by others to do silly things.  
    • Deepfake, or AI-generated videos, are increasingly being used commercially. View the full article
    • hi please check the content of letter.  To Hermes Parcelnet Ltd, Capitol House, 1 Capitol Close, Morley LS27 0WH   Dear Sir I posted an item through (Pacelink)Hermes on 7 February 2021 with tracking number: 1732380759006010. The customer received the item but the package was tempered and content of package was missing. Please see the photos which customers sent, he found tissue papers inside the box but the graphics card worth of £780 was missing. Now because of your poor service my item worth of £780 was stolen by your staff member. I had to refund the customer with full amount of £780. In my view you should pay me £780 as soon as possible. Otherwise, I will be taking this matter to County Court as well as I will be claiming for all the damages with interest. You have 14 working day to give you response after you received my claim letter. If I did not get a satisfactory response you, I will take this matter to county court.   Regards my details with phone, email and address (do i need to mention my address?)
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 25 replies
    • 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
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debt and sanctions

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I am currently looking for the best advice regarding having the JCP/DWP Sanction/s you for whatever reason especially if it is a high level sanction.


The main question is as follows. If you have a high level sanction and the DWP inform your Local Authority (LA). The LA then cancels your claim for CTR and HB until you can provide details of your income, which might be next to nothing. Please see here http://www.disabilityrightsuk.org/sanctions


About a 3rd of the way down is a section about CTR and what you should do.


My question is if the LA do stop your claim and you fall into arrears the chances of being taken to Court are quite high. So what can a claimant do to stop this happening (arrears) and not getting taken to court to see them issue a Liability order against you? Especially if you have no money to live on...

Edited by mikeymack2002
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keep the council informed of what is going on

ask for CTR to be continuous based upon new circs

if necessary request discretionary cCTR

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id6052 I actually wish it was that simple. There are currently new situations that make this debt spiral out of control. This can have a serious effect on your ability to pay your Council Tax.



Even though this is being discussed on a different thread/forum the OP's are totally lost as to what I am speaking of. I have added the correct link this morning as it became broken, sorry for that.... But saying this there are some new snippets of information contained within my link see the quote below


'For a trial period, starting early 2016, you will be notified in advance if there is an intention to sanction you. You will then be given 14 days to provide evidence of good reason before the decision to sanction is made.' link to the information from here >> http://www.disabilityrightsuk.org/sanctions



What I am trying to understand is how enforcement of CT (due to sanctions) and if after you have exhausted the appeals process you cannot pay your CT bill due to the sanctions. Obviously you can then get a Liability Order (LO) issued against you. This again is not for this thread but the main questions are. Its very complicated as far as I can see, this is why I have posted here as well.. I hope regulars can see the bigger picture and offer more advice.



Furthermore you can read more here regarding disqualifying and non sanctionable benefits. This information is in Annex 1 table 'c' here >> https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/226501/lob-la-generic-guidance.pdf



As stated earlier in my thread it could become a serious issue in the near future due to more sanctions being applied. I am just trying to see a much bigger picture of being sanctioned and not being able to pay your CT and the possibility of imprisonment for non payment of the bill.

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If you are being sanctioned it is wise to get down the council offices and inform the LA of your new income after sanctions. This is obviously going to be lower so your entitlemnt to HB and CTR will remain. In some cases a sanction will mean zero income so it does raise the question of how you can pay CouncilTax,( in those areas that make you pay a propotion out of your benefit) when you have no income. You can apply for some temporary relief whilst the sanction is in place but this is discretionary.

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With any HB/CTB claim, the letters state than any change of circumstances should be reported as soon as possible. Councils are pretty good at notifying people that their benefit has stopped although ATM the DWP are not so good at telling people that they have been sanctioned.


Once a person is notified of the sanction/HB/CTB stopped, they must contact the council straight away, especially if it is a Monday.


HB/CTB runs from Monday to Sunday so if you find out on a Monday that the benefit has stopped, get to the council that day or ring them up. This ensures that future benefit is unaffected. there is also the option to back date a claim on a different day for some reasons and sanctions should be one of them. DWP sanctions do not affect the benefit you are entitled to however it seems that the two systems used do not differentiate between benefit stopped as someone has started work or stopped due to sanctions.


If a council then applies for a LO, this can be challenged.


The only problem with the above is that some people (vulnerable, learning difficulties) would not know what to do. If they have a care worker then they should be able to get help but as we know, not everyone can get the help they need.


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