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    • Ok. Please check back  here for a reply tomorrow
    • In 2008 Barclays were challenged on unlawful charges.   Shortly after Barclays terminated the overdraft and the account was closed....apparently banks were known for this behaviour at the time.   Although a  termination letter was served Barclays never sought payment, nor did they enforce.   Barclays sent annual statements until 2019 and the overdraft was registered at the CRA as a "live" account with a status of 6 (the worst status)..   The bank decided to write the balance off in 2019 and update the credit file as settled, although the negative data remains.   In 2019 the bank was informed that the account was statute barred in 2014 and the negative data should not have been recorded on the credit file between 2014 and 2019 - the bank disagreed.   The credit file continues to show the negative data and will not drop off untill 2025.   The damage continues as a loan was declined last week.   Is it fair to damage an individuals credit status for 17 years?????....   Barclays seem to be in breach of the FCA 6th principle of treating customers fairly, the DPA 1998, and the GDPR.                    
    • God where did you get that useless war and peace from? should have ignored them totally until or unless you get a letter of claim.   its not a penalty its a speculative invoice . make 1000% sure pcm have your correct address either on a letter you have already written or a new one   they have 6 yrs   C an you please pop all those photos into one multipage pdf please read our upload guide carefully.  
    • Yeah so based on what you say, legislation would allow for a claim to housing benefit, your local council may argue/refuse owing to regulation 9, but as long as your sister has another property where she can prove she lives i.e. paying council tax etc, you can prove tenancy is above board and she would evict for none payment of rent and treat you like any other tenant, they should lose at appeal, if it had to go that far.   As you are in receipt of PIP then you should be exempt from bedroom tax, but if you only have 1 carer stay over each night, you may only be entitled to the 2 bedroom rate, obvioulsy if you have 2 carers  per night, then you should get the 3 bedroom rate as each carer will be entitled to thier own room.   Just a thought, are you staying within the same council area, as if you move to another council area, I think you would then have to make a claim to Universal Credit.
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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Dental rights


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Hi All ,

 

I've been with my dentist years and yet my teeth are in a complete mess , just as work was starting being done on my teeth my dentist left the dental surgery and now I've got a dentist who just sees me asks what is the problem and just fills any tooth ,

 

My back tooth needed extracting really badly and she said she had referred me to some place to have it taken out , as it was to complex for her to do , she said 3 months wait ,

 

It's been 10 months and my tooth is just horrendous ,well my whole set of teeth are ,

No matter what I do I've cut sugary drinks out etc but my teeth continue to deteriorate ,

 

I have to wait weeks for an appointment my front tooth where she filled it out where it snapped off , it fell off again and I've had to have ny front tooth in half for the last 6 weeks until I had an appointment

 

That appointment is on Friday this week , I wish I could tell her straight and ask her to please repair my teeth ,

Im nearly 40 and I've always wanted a nice smile I think it would help with the fact I don't go out

 

Any advice much appreciated

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Most dental practices have more than one dentist, if yours does, you could ask to see a different dentist than the one you are currently seeing.

As an alternative you may also register at a different practice.

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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I'd go along with martin's suggestion asking to see another dentist at the same practice, or find out when she's on holiday and get an appointment then.

 
 

Any advice I give is honest and in good faith.:)

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Hi WishPositivity

It sounds like you have weak teeth.Some are lucky and they last a lifetime.Some are not and they fall to pieces despite trying hard to look after them.

Also this can lead to many problems and pain at times.

 

I see you are nearly 40 now and you say they are deteriorating.

It sounds like you are going to need quite a lot of work done to them on and off for years to come.

I sometimes wonder is it worth it.

 

Have you thought about saying to the Dentist, any dentist i have had enough of this,whip them all out and have a nice new shiny set of Knashers instead of all this work.And expense.

And perhaps would increase your confidence.

Has the dentist told you why they have deteriorated.

I hope things work out for you,best wishes for the future.

Tawnyowl.

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Hi all

 

Thank you all for your advice , my teeth started deteriorating when I was drinking litres of Pepsi every day , that's why I stopped ,

 

My last dentist (the one that started work she gave me a porcelain tooth) she said make sure you come to all appointments so I can rectify them ,

 

But with my dentist at the moment not doing anything they will continue to weaken ,

 

 

I've said in the past that I'd just rather have the rest taken out and have false teeth but the dentist just laughs it off ,

 

I'm going to change my dentist to the place I live now

Thank you All so much

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Well done, vote with your feet when the service is that bad.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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I'm not sure I'd ever opt to have all my teeth removed, however much pain I was in, without thoroughly researching what impact that would have for bone loss in the jaw and other consequences. It's not only cutting out fizzy pop that is important, but your entire diet and, of course, oral hygiene - long-term. I hope it all goes well.

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