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    • Hi Ade,   Stop speaking to them by phone and keep contact in writing only, which you've said you prefer.   Send TT a SAR by post immediately. The data you get back should enable you to see what they think you owe, and how it's made up.   Also write to BW Legal confirming you dispute the alleged debt owed to TT and have written to TT seeking data, so BWL must stop demands until TT have replied to the SAR you've sent them.
    • Please do although obviously I don’t know the facts from your side but at least I can tell you how much of a cut and paste job it is.
    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
    • When I sadly lost my job a while back, i reportd it immpediately to DWP as you are supposed to, but didnt realise at the time that the day I reported to them was the day before I was paid out for the last month. I was actually paid extra whem I left as it was cheaper than redundancy fort the business and at the time it was a good financial move (so I thought).   I was paid on Fri 26th Jan, they paid me out 2 months in one go. I reported to DWP on the 22nd of Han that I was made unemployed, had the letters and evidence. As they spun the story, because of their assesment dates and that, my first payment was on the 1st May and reassured that it works the other way around. That when work starts again, if I dont actually receive money from the company during the assesment period, there wont be an issue as it balances up.   Can I believe this or was it another spun story? I'm concerned that as I'll be paid monthly, (Starting on the 15th paid on the last day of the month), assment ends on the 22nd. Tha they'll take that money into consideration.   I'm just concerned due to the disparity it would cause between 4 odd months I endured with zero income because of how their system works and whatever they ahe in place to counter at this end of the claim.   Anywa, it's just awonder.   Cheers,   Ade    
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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.
       
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      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Butter isnt bad for health and now it has increased 53% in price !!


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Probably not the right place for this.. however...

 

 

Health professionals for years have said that Butter is bad for us - Dairy farmers cut back on their herds and/or went out of business whilst consumers turned their attention to low fat spreads or margarine.

 

Now...

 

 

A US study published last year found eating butter had no effect on raising heart disease. It followed years of warnings from health professionals to stay away from it.

 

 

Read more: http://www.dailymail.co.uk/news/article-4560734/Butter-prices-surge-53-huge-demand-

 

 

 

But it comes after a collapse in dairy prices last year saw many small dairy farmers in the UK and elsewhere sell up or switch to other types of food production – meaning there is not enough milk, cream and butter to meet customers' demands.

 

The wholesale price of butter is up by 88 per cent in a year, according to analysts Mintec, and this has fed through to supermarket shelves.

 

Manufacturers of butter-heavy foods such as shortbread, croissants and pastries are also being forced to raise prices. It has seen some cake and processed food firms looking into switching to cheaper alternatives.

 

 

 

 

Butter is no longer viewed as wholly 'bad for you', but rather part of healthy balanced diet.'

 

Mike Kruiniger, research associate at Euromonitor International, said: 'Butter is very much benefiting from the trend towards more natural products. Consumers are becoming increasingly weary of processed foods and products that claim unrealistic health benefits.

 

'In addition to the healthier image of butter compared to processed products, butter has also benefited from the home baking trend generated by shows such as The Great British Bake Off, and the fact that butter is seen as a more indulgent option.'

 

 

Meanwhile, thanks to the scaremongering - small dairy farmers have gone out of business and the Consumer is now forced to pay higher prices for not only the raw product - but anything that contains it !

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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.

 

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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Guest Mrs Hobbit

You can make your own butter using full fat cream and a mason jar, takes about 10 minutes. I bet they increase the price of cream once we thrifty housewives start making our own. I have always used butter, despite the scaremongering. Word of warning the majon jar butter wont be yellow and you have the added benefit of not having to buy buttermilk.

 

The price of butter went up a couple of months ago. I used to pay 79p for 250 grams at Lidl and now it is over 90p for 250 grams.

 

Now to get the Hobbit to start shaking the mason jar for 10 minutes.

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Now to get the Hobbit to start shaking the mason jar for 10 minutes.

 

:lol:

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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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  • 2 months later...

It's gone up because of inflation. No matter what we vote for, we can't get out of the interconnected world that is now, and in this world, a pound today buys you 22% less than it did in June 2015.

Even if the whole production cycle is encapsulated in Britain, prices are still changing with GBP exchange rate because UK exporters have an opportunity cost, etc...

 

BTW, I am on a ketogenic diet and I munch on whole butter packs. I've lost 2 stone and on my way to a sixpack.

My cholesterol and overall health has never been better. My mood and hunger levels are more stable too.

 

I've never bought any of those fake butters, they are a by-product of the petrol industry and a total attack on your cardiovascular system.

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