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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?   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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Home affairs committee

 

Q: In November you said you wanted more women in parliament. Does that include the Lords? And why have you not appointed more women peers?

 

Johnson says there are now more female PPS (parliamentary private secretaries) than men.

He says there has been “spectacular female leadership” in Covid from people like Dido Harding and Kate Bingham.

 

sigh

Ah well at least it will make Priti Monstrous jealous ...

 

Spectacular - yes - spectacularly bad ...

 

Edited by tobyjugg2

"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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No commented for a while, but I'm not sure I agree with this.  Most people vote either blue or green and the vast majority have never ventured outside of this narrow political spectrum.  There are dec

A key plank of the US incursion is the banning of source of origin labelling so you don't know where the food comes from.

Err not quite. Here's the actual (unedited) quote by Lord James of Blackheath as recorded in Hansard:     https://hansard.parliament.uk/lords/2019-09-06/debates/0C259B8B-7232-4228-BB0

Posted Images

More from the home affairs committee where the fire brigade has been called to a particularly spectacular case of Johnson pants on fire

 

Q: Last year you said there would be no extra paperwork at the Northern Ireland border post Brexit. Why did you say that?

 

Johnson says things are flowing smoothly at the border, and they are flowing so smoothly that many haulier are using that route rather than the Holyhead-Dublin route.

 

Should just call him a god-damned liar.

 

 

  • Sad 1

"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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I'm not sure which paper James O'Brien posted earlier on Twitter, ranting about lorries crossing into Switzerland with no problems and saying the Dutch shouldn't confiscate meat sandwiches.

 

He pointed out that Switzerland is in the single market and  in the Schengen area...

 

Image

 

Illegitimi non carborundum

 

 

 

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https://uk.news.yahoo.com/british-lorry-drivers-fined-kent-access-permit-brexit-192425396.html

 

It would appear that Lorry drivers need a permit to drive through Kent to Dover ? 

 

Quote

 

Hundreds of British lorry drivers have been given £300 fines for not having a permit to enter Kent – a measure brought in due to Brexit.

Police have handed out a total of 407 penalties since the new rules came into effect when the UK stopped being under EU rules on 1 January.

Hauliers travelling from around the UK heading to France have to get a Kent Access Permit before entering the county so they can carry on their way via the Port of Dover or Eurotunnel.

The extra red tape has caused controversy and hold-ups at the border.

 

 

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But Johnson has constantly said that no extra documentation would be needed to access Ireland, let alone Kent - if they ask - send them to him.

 

Must be Johnson supporters as they seem to have believed Johnson 'The Liar'

 

 

"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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23 minutes ago, honeybee13 said:

I'm not sure which paper James O'Brien posted earlier on Twitter, ranting about lorries crossing into Switzerland with no problems and saying the Dutch shouldn't confiscate meat sandwiches.

 

He pointed out that Switzerland is in the single market and  in the Schengen area...

 

 

 

 

I take it they have never been through US or Australian customs ... let alone when you get some american jobsworth who has a hangover and an unimpeachable sense of American superiority and God given right ...

 

Some of the EU zone are allowing a lot of leeway - it shouldn't be expected as a right.

That IS what the UK Brexiters claim we all voted for ..

Edited by tobyjugg2

"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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ROFL

https://www.independent.co.uk/news/uk/politics/leave-eu-brexit-website-arron-banks-b1788267.html

  • Like 1

"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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Share on other sites

Oh the irony, move to EU to keep the Domain🤦‍♂️😂🤣🤣

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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They obviously should have called themselves Leave.UK

Its what they are all doing now isn't it?

"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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Share on other sites

On the Today programme this morning Brandon Lewis, the Northern Ireland secretary, said the shortages of some goods in supermarkets in Northern Ireland was nothing to do with the new post-Brexit customs rules. He said:

 

"That’s actually something we’ve seen across other parts of the UK as well, nothing to do with leaving the EU, nothing to do with the Northern Irish protocol but actually to do with some of the challenges we saw with Covid at the Port of Dover just before Christmas and the impact that had on supply lines coming through. I have to say supermarket supply lines at the moment are in good fettle."

 

 

That puts the kybosh on Johnson 'the Liars' excuse to invoke the NI emergency clause in the Brexit agreement doesn't it?

 
Edited by tobyjugg2

"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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Share on other sites

UK is a Third Country now, EU cannot treat UK any differently to any other, what part of that can't they grasp?

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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"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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Share on other sites

Johnsons pooulist pratlers saying fishermen got the grate Brexit deal

... UK Fishermen docking and selling their catches in Denmark now aren't they

Edited by tobyjugg2

"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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Share on other sites

...and NI fisherman are likely to be landing their fish in the Irish Republic, from what I read. There are other ports opening to help them land catches without extra rules, if I've understood this right.

Illegitimi non carborundum

 

 

 

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So yesterday, MPs approved legislation to allow the government NOT to reject trade deals with countries that have committed genocide, rejecting a Lords amendment that would have stopped this.

 

And protection for the NHS in trade deals, which means it's up for grabs.

 

Oh, and to allow imports of animal and agiculatural products that are of a lower standard than currently permitted in the UK.

 

I can remember ministers promising not to allow any of these and not that long ago. Still it doesn't matter now, they have a large majority. :classic_sad:

 

 

Illegitimi non carborundum

 

 

 

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Is HMG deliberately winding up Brussels? They don't want to recognise the EU ambassador as a proper ambassador. I thought we had an ambassador to the EU but maybe that went with Brexit.

 

https://www.theneweuropean.co.uk/brexit-news/westminster-news/britain-eu-in-row-over-diplomatic-status-bbc-6920244

Illegitimi non carborundum

 

 

 

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thers no point the UK gov doing anything but is there?

 

Once the UK 's singapore on Thames financial antics and rights and regs bonfire gets more obviously underway, the UK will lose anything they already have that isn't in the EU's benefit.

The EU is seeing very small problems compared to the UK's loss of financial access and 3rd country customs regs.

 

Scottish independence and Irish reunification; all in the EU; coming down the tracks like the flying Scotsman on a full head of steam

 SNP expected to increase their MPs, Johnson starting to get his pheasents revolting (like Patels recent critiques)

... Putin and the extreme right American billionaire club in a two pronged attack has effectively ended the UK without firing a missile.

 

"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

Link to post
Share on other sites

You couldn't make it up HB, but they need an EU presence, agent or EU based company to facilitate import into the EU some points on Richard North's blog

 

http://www.eureferendum.com/blogview.aspx?blogno=87860

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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