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    • I agree, guys.   Here's an article about NHS test and trace rolling out saliva tests to local public health departments. It doesn't seem to have been thought through and I didn't notice anything in the article about some of the £12bn being passed on to local authorities to help them run this.   https://www.theguardian.com/world/2020/oct/28/10-of-englands-population-could-be-tested-for-covid-19-every-week   'Some local public health directors have dismissed the idea already. One said he would refuse to take part because the tests were “short on scientific backing” and his stretched staff lacked the capacity to deliver at such scale. Another said the lack of any proposed support to track people’s close contacts if they tested positive rendered it pointless.'
    • The legal letter was sent online and it is above  I will repost below Hermes Capitol House 1 Capitol Close Moriey LEEDS LS270WH Particulars 0f Claim xxxxxxx 27/10/2020 I sent a £200 extremely well packaged laptop with Hermes and took up the option of the extra cost to get the £200 compensation and insurance.   For the past 10 weeks i was told that my parcel had been lost but then 2 weeks ago I was told by a manager by the name of Junaid that my laptop had been disposed off without my prior knowledge, the parcel was disposed of as it was "damaged beyond repair" after 1 hours travel.   I was told by many customer service agents and a manager that I would receive a refund. I have an audio recording of the manager assuring me I would get my money back and then he (Junaid) Informed me that the head of the claims department had changed his mind as the laptop was damaged through no fault of my own.   I am claiming for £220 plus £25 legal costs. I also sent a letter of deadlock over 2 weeks ago and I did not receive a response despite the letter being signed for.   Details of claim  amount - £220.00 court fee £25.00 total £245.00
    • Can we see a copy of the so-called deadlock letter please. I understand that you at least kept a copy of that. also I suggest that you take a bit of time and start reading on this forum about the steps needed to take a small claim in the county court.   have you read through some of the hermès threads on this forum so that you understand the issues and the basis of your case and that you have started to formulate your arguments?    
    • I'm a bit puzzled that you didn't keep a copy of your claim form. it's very important that you keep a full set of documents – especially once you have entered the litigation process. You say that you registered on the moneyclaim website but you then sent your claim form by post. You didn't issue the claim online. that is very unusual. Why did you decide not to send it online?    I think it's important that you get a copy of your claim form and I think you should phone the courts and explain to them that you didn't keep her copy and that you need one and can you have one by email.    
    • Is the acknowledgment of service that they have 14 days?
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Payplan - Cover my life & Cover my payments


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Hi,

I'm looking for some advice,

my husband and I have been a dmp with payplan for around 12 years,

my husband died suddenly just under 2 years ago,

it took me a long time to start sorting this out as I was so worried about the debts,

 

with help from family I continued paying up until 20 months in when I notified Payplan of his death.

I was advised that we both had this cover which i was unaware of, and that they would notify the creditors.

 

I then filled in a form, and it was decided as there was high blood pressure registered 3 months prior to commencement of the plan, the claim was rejected.

 

Unfortunately his death certificate does say this, but I have a number of problems with the coroner, and it appears that it is highly likely a post mortem was never done by them, so I am going through that as well.

 

Since then all bar 2 creditors so far have written off his debts.

 

I feel Payplan sold us a policy which we didn't know about, is there anything I can do about it?

 

Is this is the right forum, or should I have posted this elsewhere?

 

 

Absolutely Appreciative:):):):):)

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yes ofcourse you can reclaim it.

shame you've blindly been paying your debt off through PP>

I bet 99% of the were now owned by DCA's that have zero legal rights to demand anything off you unless they hold enforceable paperwork, which 99% don't have.

that's payplan for you!

 

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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pers id just stop paying payplan altogether.

your debts are all +12yrs old so will 99% probably be unenforceable anyway

 

 

as for the PPI, send PP an sar.

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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Share on other sites

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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