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    • The gaming giant is offloading the Venetian in a $6.25bn deal to invest in Singapore and Macao. View the full article
    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
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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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Google is your snoopimg 'friend;

 

Londoners wanting to leave Tory Party dwarf those seeking to join, suggests Google search data

 

 

https://www.yahoo.com/news/londoners-wanting-leave-tory-party-123000600.html

 

Twice as many Londoners have searched online on how to leave the Conservative Party than join it in since the general election was called, according to new research.

The data from Google Trends shows the reverse was the true for Labour, but not by as big a margin.

More people also searched on how to join the Liberal Democrats and Greens than those looking to leave.

 

The only party that mirrored the Tory trend in the capital was Ukip.

 

 

The most searched for political issues in the capital were in declining order Brexit, NHS, housing, immigration and mental health.

"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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Well it looks like JC is that confident, he has plans for his first day in office.

 

http://www.msn.com/en-gb/news/uknews/election-2017-jeremy-corbyn-reveals-plans-for-his-first-day-as-uk-prime-minister/ar-BBC8YqG?li=AAmiR2Z&ocid=ientp

 

And also plans to change the way in which we pay tax to the Local Authority..

 

http://www.telegraph.co.uk/news/2017/06/03/labours-garden-tax-hit-10million/

 

So whether you vote, Conservative or Labour, social care WILL be paid for by home owners !!

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So whether you vote, Conservative or Labour, social care WILL be paid for by home owners !!

 

Rather strange that isn't it?

Particularly given the uproar at making folk sell their own homes to pay for their own care

"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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"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

I get excited about elections and referendums just as much as an adult, as I got excited about Christmas and birthdays as a child.

 

 

I have got my Poll Card blu-tacked on my living room noticeboard, until Thursday morning that is, and I shall hopefully be one of the first to vote at my local Polling Station (aka a church community centre place) when it opens on Thursday morning at 7.00 am, just after I get a daily paper from the local newsagent and posted a few letters in the postbox on route.

 

 

Basically, I do not want Jeremy Corbyn to set foot into Downing Street; and I voted to Remain in last year's Referendum, but although Tim Farron looks alright, I feel that a Liberal Democrat vote will not be enough to keep Corbyn out. Tactical voting for this election is the answer as far as I am concerned. May in June methinks.

A CAG member is who I am

I really hate things if they are a [prob-lam]

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Basically, I do not want Jeremy Corbyn to set foot into Downing Street; and I voted to Remain in last year's Referendum,

 

Same here

but I want Theresa May to stay in Downing street even less, and Johnson even less than that,

 

As things have developed over this week with May really showing her true colours, much as I dont want too, I might even vote Corbyn being as the libdems really dont have a cat in hells chance with lame duck Farron.

"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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Can't believe I'm going to do it but for the first time in my life I'm going to vote Labour as the party who offend me least. I've never voted Labour in my life, true blue Tory with one waver to the Lib Dems in over 40 years of having a vote.

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did a quiz and it was suggested I should vote for the Green Party! lol

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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did a quiz and it was suggested I should vote for the Green Party! lol

 

Yes,

It really surprising how often I have seen people take a quiz which when answered truly tells us we have been voting wrong for most of our lives.

 

My journey to tomorrows vote has been:

 

Initially thinking if May is even half as good as her word - she wont be too bad at all

- to todays 'what a lying, two faced, BS'ing, self and millionaire serving, fear mongering, waste of skin

 

 

From Seriously considering a libdem vote right up until the last minute as generally they were the best bit of the coalition despite reneging on the fees and my believing that many remainers would vote for them - and me being a natural libdem (on quizes)

- to despair at the fuddled rubbish Fallon/farron whoever has waffled, dragging me to the conclusion that despite them almost certainly being the ones who would cause the least harm over the next 5 years, he just doesn't cut it anywhere near enough to generate the votes (really hope I'm wrong)

 

 

and from utter despair and disbelief at Corbyn winning the labour leadership and half baked rebellion

- to an even deeper despair that I have little realistic option but to vote for him as the lesser evil compared to May (as hightail also concluded) - by quite a long way.

"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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It almost felt like a coin tossing situation - Corbyn v Brexit, but Brexit isn't Corbyn in this case. Better the devil you know.

A CAG member is who I am

I really hate things if they are a [prob-lam]

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Will not vote for that awful man Corbyn or that hypocrite May,

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Read the local candidates blurb as still torn

Libdem nondescript like leader (if only clegg or cable were leading)

 

Con is toerag like May and Johnson - weasel words then building expensive 3 story narrow modern slum eyesores on small plots in the midst of traditional housing estates against the peoples wishes whilst leaving a massive brownsite to wasteland.

 

Labour and green candidates seem decent local people

 

Voted Labour with a heavy heart, but doing anything else would have left heart heavier.

"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
bookmakers go 1/10 for May and 13/2 for Corbyn. pretty obvious :(

 

possibly, but I'll be satisfied with May losing her fragile majority - and then having some more kicked out in the legal issues.

 

In fact no overall majority is my preferred result

"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

you really dislike that woman don't you TJ? lol, probably about the same way I dislike the Labour Party and right now all the Political Parties

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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you really dislike that woman don't you TJ? lol, probably about the same way I dislike the Labour Party and right now all the Political Parties

 

Yes,

but its not just May, although she really is the bottom of the barrel, I agree with you about all the parties

(hence the 'no overall majority preferred result)

 

You can really understand why 'normal' people will vote for the Farages and Trumps of this world, they really think it can't get any worse and these liars are speaking to the voters souls when they say the establishment is corrupt - they just dont admit they are worse - then new lows are speedily achieved.

 

I think part of it is frustration that in a democracy like Britian I (and it would seem many others) think they are all not just crap - but lying through their teeth to us and unfit to hold office - ALL of them.

... and there is sod all we can do about it.

The only party that strikes me as reasonably honest in England is the greens.

 

and to add insult to injury - they will all come out saying they have the support of the British people for their crappy misrepresented policies.

 

 

I wouldn't shed one tear if every one of the front benchers on all three major parties died tomorrow, and I really do mean that.

Losing the very few good ones would be a small price to pay.

Mind you, the replacements would probably be even worse.

"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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Well I seem to have got despairing desire of a hung parliament.

 

Just imagine what would have happened if Hilary Ben and a good team had been leading Labour, and someone had been leading the Libdems.

 

Lets see what May does now, will she do a Corbyn and hold on grimly or who replaces her?

"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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Will she be so desperate as to do a deal with the DUP to hang on to power?

"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

Good result. The people have spoken again as they did when a coalition Government came about. The people are holding the politicians to account. They also don't like being taken for granted by saying it will be a Tory landslide. You also had the hardliners spouting getting rid of Labour altogether. That's dictatorship. Not a good idea.

 

 

:clap2:

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Good result. The people have spoken again as they did when a coalition Government came about. The people are holding the politicians to account. They also don't like being taken for granted by saying it will be a Tory landslide. You also had the hardliners spouting getting rid of Labour altogether. That's dictatorship. Not a good idea.

 

 

:clap2:

 

Camerons Folly (to placate the Tory right) just keeps on taking doesn't it.

 

Hopefully major Tory catfight to entertain us now.

I think we should give them all real knifes and see who the last one standing is.

(Throw the wannabe jihadists in there with them too - the jihadists wouldn't last 10 seconds)

 

Winners fight the Labour front bench

"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

You'd hope the party will have a rethink now, as May follows Cameron in completely misunderstanding the mood of the people. They need to start listening.

 

There are comment in the press about conservative HQ being out of touch and bad advice from Downing Street.

Illegitimi non carborundum

 

 

 

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You'd hope the party will have a rethink now, as May follows Cameron in completely misunderstanding the mood of the people. They need to start listening.

 

There are comment in the press about conservative HQ being out of touch and bad advice from Downing Street.

 

Of course they will rethink how they need to present their 'message' HB

The policies wont actually change of course. Same with Corbyn.

 

I'm very disappointing that the tories didn't lose 30+ seats which would have been a far better result, especially if it had been a libdem revival - fat chance of that with whatsisname though.

 

When you think about it, the high drama headline 'Torys lose majority' doesn't really reflect the quite small loss of seats. It should have been lots and lots more with Mays appalling leadership.

 

Corbynites will of course be crowing that its Corbyns leadership - which is of course Codswallop.

 

Some small hope that electoral fraud will help the situation though (lol)

"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

"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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