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    • Hello DX   I am back seeking your help  . . kindly.   After the last CMD on 17 February we were given 21 days to submit the following:   1.    written note of my niece’s defence to specify:              a.    When and by whom the settlement amount mentioned in the initial defence was paid.               b.    Explaining the specific issue of the default Notice, if you remember they said in their case that it was issued.               c.    Specify the amount and dates of the bank’s charges that are in dispute.   2.    Should we need to call witnesses, I presume for ex-partner or HBOS, we can do that on Form 10A   3.    We can seek order from the court to HBOS to submit documents, Form F10B.   I need to submit a new defence without emphasising the role of ex-partners for two reasons. One, he might not paid the settlement. Two, he is the forces and it is unlikely we can locate where he is even to get a witness statement from him.   I would appreciate your thoughts to see how best to present the new defence.   I have few days yet as I need to submit before the end of the 21 days (I worked out to be 10 March).   I could upload the pdf file of the notes of the last CMD, sensitive information Redacted, for your to have a glance at it.   Thank you
    • This deserves a careful read https://www.theguardian.com/society/2021/mar/04/vaccines-tweaked-for-covid-variants-will-be-fast-tracked-safely-says-uk-regulator   My admittedly reading between the lines interpretation: So effectively, modified vaccines generally have needed to be demonstrably as 'efficacious and safe as prior versions. The UK is stating that future vaccine approval will not require that, unlike is needed in almost all developed nations.   Is it because they are:   * 'artificially or by use of selective data boosting the claimed efficacy of the existing vaccine and understand that new versions are very unlikely to match those claims and they dont want to get caught out if theycan avoid it   *Quite sure that new variants of the virus will be beyond the efficacy of new versions of the vaccine   * Simply cant be bothered with all this proving it works malarky   All the above?
    • The last two times CEL took Caggers to court the fleecers got a right hammering   https://www.consumeractiongroup.co.uk/topic/417771-cel-pcn-claimform-tenerife-buildings-station-road-south-gosforth-newcastle-ne3-1qd-claim-discontinued/   https://www.consumeractiongroup.co.uk/topic/421714-cel-pcn-claimform-white-cross-business-parkclaim-discontinued-now-going-for-gdpr-breach-claim/   They are eminently beatable but you have to start getting things right from now on.  Please fill in dx's sticky.
    • Its time to make Lowell sweat - Even if they have a CCJ with Warrant.  You are still missing a lot of info that we are not privy too.  Stuff doesnt add up.  I want a full bulletpoint of what you know to date based upon the DSAR, CCJ and everything else.
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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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MoneySavingExpert founder Martin Lewis is suing Facebook for defamation following “repeated fake adverts from [problem]mers it refuses to stop publishing”


In a statement on MoneySavingExpert, Lewis wrote: “I get about five messages a day from people saying, ‘I’ve just seen your Bitcoin ad and wanted to check it.’ If that is the number who get through to me, how many more must be just taken in?”


Well i have seen these adverts have you.

I very nearly lifted a floorboard to take out some of my secret stash after thinking well he is a chap you can trust.

I came so close but nailed the floorboard back down again.

The phone did not stop ringing for weeks.Trying to entice the old owl.From all over the world.

Has anyone else nearly fallen into the trap.

Or maybe fallen straight through it.

Just wondering as you do.

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Sorry about that, i forgot to put the link on such was the shock as i realised i came so close to losing some cash.

MoneySavingExpert founder Martin Lewis is suing Facebook for defamation following “repeated fake adverts from [problem]mers it refuses to stop publishing”.


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Well news is coming out fast now.

Martin Lewis to sue Facebook over fake ads which empties peoples pockets out of thousands .

The commentator and financial journalist is claiming defamation over allegations that the site is publishing fake adverts using his image causing vulnerable people to hand over thousands of pounds to criminals.


He said the company had hosted more than 50 of the fake ads and that it had failed to act because it was motivated by "greed".


Trying to prise money out of the old owl is hard to do,nearly though.

Next Predator waiting in the wings though.

Be careful out there.


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Thread title amended to reflect the subject.



We could do with some help from you.



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If you want advice on your Topic please PM me a link to your thread

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better sue yahoo too as they've been all over the sponsored ads as well

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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facebook says that all he has to do is contact them and they will look into the ads.

Yeah, right. What about not taking money from crooks in the first place and they wouldnt be in this position. Greed and more greed.

He has sued before and won so should be a walkover and I am dying to know waht the defence will be

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Bookface's defence will probably be along the lines of... "Well, they told us they were Martin Lewis and we had no reason to doubt them :noidea:"

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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