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    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
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StudentCat

Health issues caused by Superdrug product - what can I do?

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I am a light sleeper and have been using ear plugs to bed for quite some time. 2 weeks ago, my boyfriend picked up some of Superdrugs own-brand earplugs, which are like a soft silicone putty. He wore a pair to a concert and gave me the remaining two pairs to use.

 

Despite the box saying they are suitable for sleeping in, after the third night of wearing them, I found that I couldn't remove one of them. It turns out that the squishy silicone softened so much with my body heat that it slipped down into my ear canal, and adhered to my ear drum. It is nigh on impossible to get rid of due to its texture - it is soft and sticky and firmly attached to the inside of my ear.

 

I have been in and out of hospital seeing specialist ear doctors for the past week, have had time off work and have been in constant pain for 8 days now. I am due to have a procedure under general anesthetic with the very real possibility that it will cause permanent damage to my ear drum - that is if it is not already damaged (they're not sure, they can't see the drum at the moment as it's covered in a layer of silicone).

 

My question is, is there any action I can take against Superdrug? This is clearly a product that is not fit for purpose. The product was used exactly how the box directed and was not forced down into the ear in any way. From no fault of my own, I have lost earnings, am suffering daily and potentially will have to deal with damaged hearing for the rest of my life.

 

How would I go about seeking compensation for this disaster?

 

(Please move if not in correct forum, wasn't sure where to post)

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any chance you can give us the product details?


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

 

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Please see these photos of the product.

20190219_143231047_iOS.jpg

20190219_143239830_iOS.jpg

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how far did you put the plug in? as it says to only put it in the opening which is a very small area. NOT in the canal itself which is what a lot of people do with ear plugs


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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across not in


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

 

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Fair point. I just looked them up online and theyre not the normal type. Theyre the new ones that stick to the ear.


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

:D

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I've used them for ages and just tried putting one above the radiator where temperature is 46C.

They don't melt, the only get warm and softer.

I think you got a dodgy lot and of course Superdrug would be responsible if found that the product was faulty.

This is best dealt with by a qualified solicitor, so if you hav ed legal cover with your home insurance this is the time to call them.

I can foresee Superdrug claiming that you used the plugs incorrectly, so a good negotiator is essential.

Hopefully you still have the offending plugs and original box.

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Wooah hold on with the solicitor talk. A report from the doctor/surgeon needs to be made first, then presented to superdrugs CEO or legal team. THEN decide on a solicitor if they still say its not their fault.


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

:D

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If legal cover is available from home insurance, i would let the solicitor do all the running around.

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Why involve a solicitor yet? A solicitor wont be able to do anything until a full medical report has been done, and that wont happen until after the operation.


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

:D

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Solicitor can and will arrange an assessment

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