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    • 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   Try these links for Benefit Checker:   https://www.entitledto.co.uk/?utm_source=BAdviser&utm_medium=referral&utm_campaign=GovUK   https://www.turn2us.org.uk/?_ga=2.147880369.705055825.1614386650-854404727.1614386650
    • Where you live (entitledto.co.uk)     i will guess you mean regarding the ctax stuff you might have seen.   thats for people that won't pay not people that can't pay...as is your situation..
    • Your client already settled one claim of an unfair contract before it reached the courts, and they know from previous correspondence that I am aware of that case. please expand upon this case you refer too.   You believe you had provided proof timeously to demonstrate your earnings were below the threshold, therefore a default notice should not have been issued on 15th October 2018 and the account should have been deferred. - have you a copy of the DN?     I believe I have complied with the requirements as set out in the relevant legislation to have had the loan deferred and subsequently written off upon my 50th birthday. - when did you reach 60yrs?   In relation to the above matter being “non-existent” or “not owed”, our client’s stance regarding these points remains as previously set out in their final response letter dated 2 September 2019, they will not be addressing these points again and you remain liable for the full balance outstanding. have you a copy please?
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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
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Help with non satisfactory goods installation

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Hi everyone. I’m trying to get some information on behalf of my partner’s dad. He recently purchased some granite worktops  from a company and he is less than satisfied with them after installation. He is a (now retired) time served bricklayer and has years of experience using a spirit level. He took great care to ensure that his kitchen units were perfectly level as well as the extra timber supports he has added. The granite company in question came to his house and measured. They had laser equipment and formed a template. They told him that they would try to cut out the hole for the hob without a break, but that it might be necessary to have a single join at the front and rear of the hob. 

Later, they telephoned him to say that it had broken during cutting as discussed so they couldn’t avoid a join. He accepted this. 

However, upon arriving and installing the worktop, they had actually cut it in two places at each side of the hob  front and rear. They had also not cut it to the right size and in his words “they were just braying it to get it in. They then had to cut the bridging pieces (front & rear of hob) shorter to make it fit. 

In doing so they chipped the edge of the front piece. 

They then jacked up one of his cupboards by extending the adjustable feet, despite the fact that it was perfectly level before. 

He has since placed a spirit level across the front of the hob and it rocks across the joint. This is a direct result of them raising the cupboard!  

Also, upon further inspection, he found a chip (albeit tiny but you can see and feel it). 

He has sent the supplier an email, initially only complaining about the chips. 

They asked him to send a photo which he did but they have not responded further. 

I really feel for him, as he has tried to talk himself into making do with it. Don’t get me wrong they are nice worktops. But the fact there are 4 joins around the hob alone to me seems very odd. 

He has handed over around £1800 and this has really spoiled what should have been a top end quality product. 

Some years ago I was able to phone up trading standards about a faulty product and received help with an FOS claim to successfully obtain a refund. 

However, as far as I’m aware that service is no longer available. 

What can he do to get something done about this? Ideally he should get a replacement but having read some poor reviews online that looks highly unlikely as the company is renowned to ignore complaints. 

Any advice would be greatly appreciated. 


Edited by Redletter
Typing error




'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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Why has he gone ahead and paid the money when he believes that the quality of the work is not up to scratch?

Secondly, are the suppliers and installers the same people?

Thirdly, how long ago was the installation completed?

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1 hour ago, BankFodder said:

Why has he gone ahead and paid the money when he believes that the quality of the work is not up to scratch?

Secondly, are the suppliers and installers the same people?

Thirdly, how long ago was the installation completed?


Thanks for your reply BF. Apparently they insisted  that the money had to be paid after they had measured up but before the cutting of the granite. 

That would have been against my better judgement but they said this was normal practice. 


Yes supplier was also installer. 


Installed on 31st May (2019). 




'I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires!'

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Goods need to be as Described: 



Goods need to be fit for a Particular Purpose: 

Goods need to be of Satisfactory Quality

Services to be performed with Reasonable  Care and Skill: 

Service to be Performed within a Reasonable Timescale: 

Consumers Rights to Enforce Terms about Services: 


You sent the supplier an email about the issue. Question: did they get a 'Read Receipt' once that email was opened and did they follow the email up in writing referring to the email dated XX/XX/XXXX?


I would advise corresponding in writing only (ensuring to get free proof of posting from post office as you need to keep a good paper trail)


What does the Suppliers Terms & Conditions/Contract state about Installation?


Who is the Supplier? 

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Which company are we dealing with?


I suggest that you get to independent quotes for carrying out repairs or redoing the work then come back here

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send them a letter stating that the installation isnt what was qioted and the workmanship is poor and that they have one chance of putting things right or you will get another company to replace the faulty worktop and bill them for the lot.


I had a stone worktop installed a few years back and the company managed to cut out the hole for the sink successfully and if they had damaged anything along the way it wouldnt have been accepted. By all menas pay a deposit but never pay upfront, that tells you a lot about the reputation of a company. If they cnat hold enough stock to make good a breakage and no stone supplier will give them credit to accout  for such a problem then why should you trust them?

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