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    • https://www.bindmans.com/news/neale-v-dpp-the-right-to-silence-citizens-duties-and-coronavirus-regulations   Perhaps the OP should have said nothing - and risked arrest!   "Firstly, the case calls into question the logic behind aspects of the criminal justice response to the public health crisis created by the Coronavirus pandemic...   "Secondly, it is clear that some police officers have misunderstood and misstated their powers, and citizens’ obligations, under the Regulations and at common law...   "Thirdly, the case confirms reasonable excuses for being outside are not limited to those explicitly set out in the Regulations. Police officers considering whether there are reasonable grounds for believing that an offence has been committed under the Regulations so that an FPN may be issued, or the reasonable grounds for suspicion that are necessary for an arrest, should give proper consideration to any explanation given by members of the public (and what a court might think of them) rather than only recognising those exceptions explicitly listed in the Regulations and/or government guidance...   Fourthly, the case is an example of a failure of the CPS review into prosecutions brought under Coronavirus Regulations, which has found that alarming numbers of cases were wrongly charged..."   Above quotes from the Bindman's article, not the decision.  Case arose from the first lockdown and was in Wales.  Same now?  Also was about not being at home - not mask wearing.    
    • No the first LBA was delivered by royal mail, but I responded by email, sorry if I didn't make that clear.   I look at redacting the emails tomorrow, got to get some sleep now.   Thanks
    • ok well that changes things alot. you've accepted one before by email  and now they are doing it again ..   might have shot yourself in the foot until now lets get some 1st aid done.   gonna be a pain to redact but i'm gonna need to see all the emails in/out please in ONE MULTIPAGE PDF from/inc  date of their last PAPLOC   redact them properly !! read our upload guide carefully   you may  think this is immaterial, but its not, esp important is their and your exact wording
    • OK I've looked back at my emails and it appears I've been dealing with shoosmiths since the start of 2019 when they sent a LBA that I'd totally forgot about.   I replied that I didn't recognise the debt and we got into a big letter tennis over the facts.   They then went quiet and then contacted me again in April 2020 asking for income and expenditure details to work out a payment plan with them.   After I responded with my covid comments they went quiet again.   And now they are back with another LBA and I haven't responded to that.   Hope that clears it up. 
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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

Food, Petrol expected to rise considerably during 2017


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https://www.theguardian.com/business/2017/jan/03/petrol-food-prices-uk-rising-2017

 

Households are being told to brace for more price rises on fuel, food and other essentials in 2017 after the new year started with petrol at a two-year high.

 

The AA says motorists in the UK are paying 15p a litre, or an average of £8.25 a tank, more than a year ago, and economists say a higher oil price and weak pound will probably push prices up further this year.

 

 

http://www.telegraph.co.uk/business/2017/01/10/food-prices-rise-inflation-returns-supermarkets/

Food prices rise as inflation returns to British supermarkets

 

Shop prices are rising across the UK's supermarkets once again for the first time since 2014, according to fresh industry figures by Kantar Worldpanel.

 

After 28 months of deflation in the market, like-for-like grocery prices have increased by 0.2 percentage points to bring a return to inflation.

 

The sector has been warning that prices will have to go up to cover higher costs as a result of a weaker pound. The rise of the discounters, Aldi and Lidl, had led the major supermarkets to slash prices in order to hold onto shoppers. However, the return of inflation suggests that the bitter price war might be drawing to an end.

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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.

 

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  • 3 weeks later...

Many people who voted for Brexit including older vulnerable people, will be regretting their votes. They have been reading the Daily Fail all these years and have been brainwashed.

We could do with some help from you.

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Many people who voted for Brexit including older vulnerable people, will be regretting their votes. They have been reading the Daily Fail all these years and have been brainwashed.

 

If only they had been warned that exactly this was going to happen.

 

Wait....

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If only they had been warned that exactly this was going to happen.

 

Wait....

 

Yep, they were informed. Labelled as project fear, fake news, experts what do they really know etc etc.

 

I think many on the right of politics who favour Brexit have a hidden agenda and they want the UK fo serve their interests without interference from the EU or ECJ. Brexit is most likely to cause severe hardship to many who voted for it and they will be unable to do anything about it.

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

 

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Brexit is the cause of the fall in the value of the Pound against most other major currencies. The current round of price increases is only the tip of the iceberg. I was in the Middle East for three and a half months and during that short time the Pound dropped almost 30% against the Kuwaiti Dinar! It fell less against other currencies and possibly more against others. As we buy most of what we consume from overseas and we pay in foreign currency (US Dollar, Euro or whatever) then prices are going to rise by the same level Sterling dropped.

 

Factor in other increases then the people on the lowest rung of income are going to be clobbered the hardest.

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Yep, they were informed. Labelled as project fear, fake news, experts what do they really know etc etc.

 

I think many on the right of politics who favour Brexit have a hidden agenda and they want the UK fo serve their interests without interference from the EU or ECJ. Brexit is most likely to cause severe hardship to many who voted for it and they will be unable to do anything about it.

 

 

Sadly due to the untruths told by politicians over the years, they weren't believed when they were telling the truth - I think it is called.. 'Crying Wolf' !

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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