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    • Analysis: Klarna breaks the billion dollar revenue barrier View the full article
    • No it's not on my credit file, never has been either 🤷‍♂️
    • Ok thank you. So, am I implying correctly that even though I am overseas, and able to have any correspondence to the UK address forwarded to me, there is still a chance that bankruptcy proceedings could be brought against me?   Selling the property isnt really an option.    Also I'm a bit confused. In reply ~12 the advice is to get the defaults and let them run their six year course, but if I make small payments wouldnt that keep the clock running?
    • Well, we have also been done by Yewtree Cars/James Harrison! We bought a Land Rover Discovery from him off a dealer site on 28th December 2020. He advertised it as 1 loving owner (true, I tracked him down on Facebook, really nice guy!) throughout the advert WOW full dealership service history, WOW new cambelt, WOW new MOT, WOW full valet including decontamination clean WOW, WOW, WOW!!! We paid £4500 for the car plus £280 for delivery from Solihull to Winchester. He sent 3 texts reminding us to ‘look after the delivery guy cuz he’s a top man’! Soon worked out that HE was the delivery guy! They dropped the car off and scarpered. It was dark when it arrived, initial thoughts were it was disgusting inside. I have never seen such a filthy interior. He even left his sweet wrapper inside. He drove the vehicle down to us (we thought that we were paying for a transporter). It was running on fumes, so we took it out to get fuel. Straight away noticed automatic gearbox slipping. Not a good start. Next day messaged dealer asking for the receipt, twice, he said that he was in Dubai (in his dreams!) for 2 weeks but would send it when he got back.  Before he delivered the car, he said that if we weren’t happy he would personally come and collect it. Sent him a message (I like to keep proof of conversations) to say that we certainly weren’t happy and wanted to return it. His reply was - SOLD AS SEEN, YOU GOT A CHEAP CAR! Thinking we would have to cut our loses, we had a new gearbox put in, only to find that the crankshaft had also gone and then the bottom part of the engine had to be replaced. Also the suspension at the front was leaking oil (mentioned as an advisory on the previous mot, which he said had been done). He forged an entry in the service book saying that it had just had a cambelt change (false Land Rover stamp), confirmed by previous owner and Land Rover. So, after 8 weeks of being at the garage and £7000 - YES £7000! later we certainly did get a cheap car from him. Are we going to let this go? NO! I have found out his real name and I am going to pursue him through the court until I get this money back. He is the worst kind of confidence trickster, a lier and a thief. We will have no hesitation in scouring Solihull for him, whatever it takes.
    • You want to avoid any CCJ's, by ensuring all UK creditors have your current address abroad.  Also as dx suggests, making small payments based on current affordability would be wise.   Keeping the accounts running with original creditors bu making minimal payments, will give you time to consider options.   If it were myself in this position, I would be thinking how quickly could I get the tenants to vacate the UK property and how quickly could it be sold.  This would enable me to at least retrieve some equity after repaying any secured loan and the equity would then enable me to plan the next steps in my life.  I am not advocating walking away from debts, but I would be thinking, that if I end up with CCJ's or worse Bankruptcy, then with additional costs being added, I would have no money left.  And worse, if I had  to sell the property quickly, it may sell at a reduced price and I could still owe a debt after it had been sold.   So may be you should be getting some formal financial/legal advice in the near future, to see what you can do, to protects your interests as much as possible.    
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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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Hello.

 

Early last year I suffered an accident at work when a large object fell on me.

What followed was a pretty unpleasant 6-9 months but I am almost back to normal now.

The accident was reported and I completed an accident report verbally which was recorded.

 

Before Christmas last year I verbally asked to see the CCTV footage of the incident and was told that I could but then I never got around to it again due to the Christmas break.

 

Last week I asked the head of Health and Safety if I could see the footage and he told me that he was 99% it had been lost.

I asked how this happened and he said that there was a mix up between him and a Director of the company.

I asked him if he could make 100% sure and he attempted to fob me off by saying he was busy this week and on holiday next week but I reassured him that I would remind him upon his return.

 

He stated that if I were to make a claim then the CCTV wouldn't make any difference because the company were totally to blame for the accident.

 

Obviously I'm not happy with this but I would like some advice as to whether a Subject Access Request would be the best option here or start with an email / letter?

 

Any advice would be appreciated.

Thank you.

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Was the CCTV preserved specifically to do with the incident?

 

Normally a SAR would be the way to go, but if the employer is volunteering that the footage is 'lost' then a SAR is unlikely to make them all of a sudden 'find' it and you would have lost a tenner!

 

Are you likely to make a claim? If so then focus on and ensure that it is secure any other available evidence - if the employer is totally to blame then there must be a record of exactly what happened and why this was the fault of the employer. What would CCTV add to that?

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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how long were you off work for and have you made a claim for injury/loss? If this is about what you "might" do then forget about the CCTV, they werent obliged to preserve it unless you formally asked for it at the time. If you do intend to sue then get a lawyer/insurer/union to do the asking.

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did you inform the HSE? If not did your company? they are obliged to but often they "forget" to do these things

You start with the assumption that they will deny everythjing and tell lies where they can and only deviate from thsi when you get proof positive. they are in trouble so they will nat to blame someone else and that could be a fellow employee or more likely you.

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  • 1 month later...

Hello.

My employer has CCTV pretty much everywhere on the premises and uses it in Disciplinary matters. I notice that they have not registered with the ICO to use the CCTV.

Should they have and, if so, why wouldn't they have? Laziness / didn't know that they had to, etc?

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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