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    • Hi Schipoo,   You need to comply with the court letter of 12th Jan so should now reply to the HMCTS Tribunal (Tax Chamber) and the HMRC Solrs Office emails ([email protected] and [email protected]) as follows:-   Dear sir or madam,   I refer to HMCTS's email of 12th January and can confirm this is my email address for all communication.   Yours faithfully, Schipoo   Let us know how you got on with the police. Then we can decide on how to reply fully in the Tribunal process.
    • Attention BANKFODDER   Thank you for this. I am sorry you don't have time read everything. I find your comment about my letters being ineffectual is rude and condescending and discourages us (consumers) sharing our experiences, ideas views on this forum.  Which i thought was the point of this forum.     Concerning my letters, emails etc.  At the start of claim i like to fish, and also point out the relevant law.  The fishing helps and often i find process errors - which strengthens my legal claim.  Pointing out the legal basis and expected resolution of my claim early (and getting ignored), will help me increase the quantum. ie a failure to act reasonably. Which judges take very seriously. This is because both parties are expected to mitigate the others losses by working "reasonably" toward settling the dispute.    For example: Packlink wrote this - "Take into account that this type investigation requires the coordination of the different participants involved (driver, depot, warehouse, carrier's local offices), so it might be necessary to wait for a response from the different parties involved before being able to provide you with an answer" and said this can take up to 30 days. Hermes/Packlink responded in less than a day with standard copy and paste email.  Investigating the loss of a parcel is part of the service provided by Hermes/Packlink, and failure to do this with reasonable care skill is another breach of contract and strengthens my claim.    ***********   Lastly, i am interested to hear from others re the use of unfair contractual terms to discourage and put off valid contractual claims. Worse the fact they deliberately train their staff to believe this is law, and they happily mislead customers.  I have experienced this with Apple, Amazon, Hermes etc, etc. and it is getting worse, because helps to swell the companies profits. For consumers, it simply adds insult to injury.     I also believe misrepresenting the law to deprive others may be a criminal offence. If that is case, and others are getting as fed up as me as having take delinquent companies to law, to recover compensation, there may be an opportunity to get regulators involved.  For example ASA might be interested - because they are effectively trying to make you pay to cover yourself against the their breach of contracts.    Now if you want to help, please do so, otherwise let others contribute   Thank you       
    • What does the order that you posted in #46 say?   (I suspect that FTMDave may be suggesting that it would be preferable to have it all complete today so you don't have to run around like a headless chicken tomorrow.  I assume he has a day job that he has to do tomorrow).     Look simeon - I'm sorry, but how the hell would we know where they need to go?    I thought you had already sorted out the piling receipt and which attachment it was?    Where has the rubble truck come from and why haven't you mentioned it before?    Are the amounts for the rubble truck and the roofer already included in the £16577 you are claiming?  If they are, then haven't you already included them in your breakdown of the total and your attachments?  If they aren't already included and are still to be added in, then that means that you are claiming more than £16577.   I can't explain it any more simply than I have done already.  If you just cannot understand or assimilate what FTMDave and I are suggesting, then we really can't help you any further...     =================================================================================================   I would honestly suggest that you spend an hour re-reading and understanding some of the more important posts on this thread.   I think they are #105, #113, #120 and all the posts after #120.   THEN, you need to do what FTMDave suggests in #131 (having read and understood the posts noted above and reading #131 in the light of that understanding).   OK?  I'll look in after 5pm...
    • Afternoon    my three final bill is £35.78 i received a notification that the account on my credit report is settled. Surely it needs to be paid first before it’s settled
    • I did. But I have a problem with my laptop I think because it keeps using my info somewhere in the background even though I only ever use her name etc. I think it remembers me from an old case.    also, whenever I use the government gateway I get problems as it keeps using old logins from other people who I’ve helped in the past with tax returns. I’ve tried clearing cookies and  browsing history but it keeps happening. Eg I put in a gateway code and password but it shows as error because the password doesn’t match the code it’s decided to use. It’s driving me nuts. 
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boltonangel Vs Abbey - HELP!!!


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Hopefully you will just get your money as they haven't bothered to acknowledge it or defend!

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.


** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....




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hmmmmm maybe they're really busy (with other claims) and just forgot to defend.


Fingers crossed that they'll just pay up.



Halifax 1

WON - £1,355.49 21/07/06


WON - £273.81 14/09/06

First Direct

WON - £913.50 01/09/06

Capital One

WON - £130.13 03/11/06

Halifax 2

WON - £188.03 01/12/06


Kensington Mortgages ERC

MCOL for £6,204.39 Discontinued

Halifax Mortgage Admin fee

WON - £10.00

Direct Line Mortgage Redemption Fee

WON - £99.00

Halifax 3

MCOL for £109.01 reg 07/03/07



Please sign this petition x

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