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    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available ot me. Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying. But let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? But does the council then not send the police round? This is what I can't work out and worries me. The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
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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!
       
       
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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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Submitted claim for mis sold PPI on Debenhams store card in Feb 2016.

The card was sold to me whilst being served in Debenhams clearance dept in 2000.

Queue of people waiting : assistant "crossed" the parts of the form including payment protection.

 

Santander dismissed my claim

: not mis sold

: Couldn't refer to FOS as pre- regulation.

 

However Santander then wrote back after the Plevin ruling.

Possible unfair relationship because of the commission.

 

They rang me last week for further info ie employment, savings etc at the time I took the card out (18 years ago!!).

They say I will have a final response by 5th July 2018.

 

Not holding my breath, but let's see.

 

Am I correct in my understanding that if they refuse my claim I can then contact Genworth Insurance and if they also refuse I can then refer Genworth to FOS??

 

Many thanks as always

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hope you didn't answer their questions on the phone?

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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to be honest so much time has passed since I took the card out : I couldn't answer anyway and I said all of the info will have been on the original form. I submitted a copy of the application form with the assistants markings on it. I got the feeling they were trying to trip me up!!

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good well spotted that was what I was hoping you didn't fall into.

 

there are numerous cases in the FOS examples of the x by tickboxes whereby the rep got about £25 everytime they signed people upto PPI.

 

did you do a spreadsheet and workout what you are owed?

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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you trained me well!!! they were asking things like if I served a probationary period in my job etc etc.... No I didn't do a spreadsheet but have used the sheets on this site more than once with great success. I think that's my next job. However it's whether or not i Paid more than 50% commission on the premiums?? thanks

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no its whether THEY paid 50% or more not YOU, typically most PPI policies charged you

 

don't confuse hidden commission Plevin reclaim [ the backhander GE money would have gotten from the provident [glenworth?] for selling their PPI insurance]

with the PPI you paid during the course of you usage.

 

two very diff things.

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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Yes I see about the two different things:

had similar from LLoyds recently regarding the commission which they paid out on but we will see what happens.

 

But that was for a credit card and I went to the FOS,

who suggested to Lloyds that it was an unfair relationship because of the commission.

 

Couldn't go to the FOS with this Debenhams / Santander as it's a store card pre: regulation.

 

But I understand if they refuse regarding the commission I can then go to Glenworth ,

 

and if they in turn refuse I CAN then go to the FOS re Glenworth??

 

many thanks

Edited by cleo4patra
ommission
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  • 2 weeks later...

Rang Santander for an update :

in theory final response day this week

: they said it's still being investigated.

 

They said they've a backlog of these claims that have been awaiting advice from the insurer but they now are ploughing their way through them.

 

At this rate they'll have had my complaint from when I first lodged it for almost three years!!!

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  • 3 weeks later...

complaint closed : letter from Santander they say no flaw in the sale and I would have bought the policy anyway. Probably because it was pushed on me whilst waiting in a queue in a busy clearance department in my lunch hour!!!

 

I am now going to write to Genworth Life style Protection stating this . not giving up!!

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sorry to be a pain : got the paperwork out again.

 

Only just noticed the assistant didn't put a cross next to "Employment Status" on the application so clearly didn't ask about my Employment status at the point of sale.

 

Also could this be classed as a pressured sale as I was in a queue of people in a very busy clearance department , was asked if I wanted to save 10% there and then by taking out a Debenhams account?

 

I am now going to approach Genworth who I believe are the underwriters.

 

Thank you

Edited by dx100uk
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putting an x by sign here here and here is leading you on and giving advice so cant be a non advised sale

you were advised where to sign...all they wanted was the sales commission in their pocket.

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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putting an x by sign here here and here is leading you on and giving advice so cant be a non advised sale

you were advised where to sign...all they wanted was the sales commission in their pocket.

 

thank you for that as always :

 

I am now writing to Genworth asking them to re-visit my complaint.

 

Received Santanders 4 page final response saying they have grounds to say I would have bought the policy in any event!! .

 

Santander have said it's time barred under general legal principles having 15 years from the point of sale to bring a claim at court against SCUKL .

 

They also say I may still be due redress under Plevin.

Edited by dx100uk
spacing
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ppi is not time barred

its when you discovered it could be reclaimed

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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ppi is not time barred

its when you discovered it could be reclaimed

 

anything to wriggle off the hook !! I thought that was a bit dodgy !! Thanks

 

I've written to Genworth asking them to re-visit my complaint . For the life of me cannot believe they think it hasn't been mis sold given the circumstances of the sale.

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  • 2 weeks later...
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Hope you get what you deserve! I've just had a letter from Santander with exactly the same wording "there are grounds to conclude that you would have bought the policy in any event” for a GE Money card from years back. It's actually for a really tiny amount, but found it so rude I'm going to fight it anyway!

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