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    • Thank you Andy/Dx   UPDATED Defence, 3 days remaining.   Not sure where to mention invalid PAP. I put it under number 5. Please check if this is good to go.   Defence   The Defendant contends that the particulars of claims are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any allegation to which a specific response has not been made.   The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) – failed to serve a letter of claim pre-claim pursuant to PAPDC changes of the 1st October 2017. It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.   1. I have in the past had financial dealings with Lloyds Banking Group. I do not recall the precise details of the agreement and have sought clarity from the claimant.   2. However, I do not recall ever receiving a Default Notice pursuant to sec 87(1) CCA1974.   3. I do not recall ever receiving this notice pursuant to sec136 of the Law of Property Act 1925.   4. I do not recall ever receiving a letter of assignment from the Lloyds Banking group advising the debt was assigned to the claimant.   5. Claimant served the invalid PAP with no connection to their court claim,   6. On receipt of this claim I sent CPR 31.14 and section 77 request. The claimant failed to provide a valid copy of the agreement and therefore remains in default of said request.   7. It is therefore not accepted with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to:-   a) show how the Defendant has entered into an agreement; and b) show how the Defendant has reached the amount claimed for; and c) Show or evidence service of a Default Notice/Notice of Sums in Arrears, d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.      
    • no.   i wonder if the OP is entitled to CTAX benefit, thats only available from the relevant council...most on UC can get it..   but your MP is by far the most successful route to sorting these issues we've seen here to work.
    • dx100uk  unclebulgaria67   OP is on UC.   Could the council apply for weekly amounts to be deducted from UC claim ?
    • I suggest you start reading around this forum about the steps involved in taking a small claim in the County Court. It's very straightforward but you should understand the steps before embarking on it so that you are confident. We will help you all the way. Once you have done this basic reading then come back here and we can begin the process if you are happy to go ahead. On the basis of what you say, I expect that your chances are better than 90%. I also expect that West Cheshire Facilities Management will want to put their hands up before it goes to court and get a judgement against them. We would want to see your letter of claim before it sent off but I suggest that it is made clear that Social Security's have already been informed and that when you get a judgement against West Cheshire Facilities Management, you will make sure that social services and the health service generally are all circulated with copies of the judgement. If West Cheshire Facilities Management really want to take that risk with all of the reputational and business risk that accompanies it, then they are being extremely shortsighted.
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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
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Recommended Posts

britainshorelineiceageimg269sm.thumb.jpg.52c0ce14249a38d4c478f63058685500.jpg

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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  • 10 months later...

Genuinely want some opinions

 

Following is 2 versions of a cave painting from circa 17,000 years ago.

It is quite a famous one, so you might know it or might not, depends on your interest areas

but just take a look at it and tell me what you think you are seeing.

 

There are some quite famous opinions, from very well thought of people, including one whos work I have long admired, but I disagree with most of the opinions

 

What do you think is depicted?

 

 

1.jpg.597c73e960008e20e82e63befdf201d3.jpg

 

 

 

2.jpg.e49b00435063b47b92fe0d7ce33797b1.jpg

 

 

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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  • 1 month later...

https://www.independent.co.uk/news/science/archaeology/stone-age-art-prehistoric-artists-english-channel-islands-mammoths-a9678406.html

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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  • 2 months later...

Perhaps confirming the 'outlandish (for the times) legendary claims that early peoples (eg legendary Atlanteans and Early Greeks) had  equally regarded male and female warriors and hunters

 

https://www.ctmobi.com/articles/498802/ancient-remains-in-peru-reveal-young-female-big-game-hunter

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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  • 4 weeks later...

another related update

https://www.theguardian.com/uk-news/2020/dec/01/evidence-life-on-doggerland-after-devastating-tsunamis-study

 

More detail

https://www.cambridge.org/core/journals/antiquity/article/great-wave-the-storegga-tsunami-and-the-end-of-doggerland/CB2E132445086D868BF508041CC1B827

 

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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  • 1 month later...

I read an interesting book about Atlantis but have forgotten the author-possibly Stitchin or Melchizidek-and much of its contents too. But Atlantis itself was said to be where Florida now is and there was far less oxygen in the air than we have now. Also the beings were not from Earth but their internal organs were similar to ours and actually used their appendix. They were very knowledgeable and some of them seemed to sense that Atlantis was not going to last for long.

As a result many of them fled to India which the book postulated is why there are so many gurus there now.

Some time after they left, Atlantis slipped below the waves.

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I have no doubt whatsoever that the 'Atlanteans were human, and largely stone age humans. But dont let that definition lead you to underestimate their intelligence and abilities.

They may have been early simple metal workers too which I think goes much further back than is generally believed.

 

I also have little doubt that they also expanded into the Eastern side of the Americas

see maps earlier in thread possibly/probably  all the way down to the also now sunken coastal lands in the far south.

 

It seems very clear that the Egyptian priests, and perhaps through them, perhaps through legend, the Greeks were aware of the continent across the Atlantic.

 

A single word -nesos is one of the main keys that opens up the understanding and starts to make all the different claims come together into a whole - along with looking at the world maps much more as it was rather than as it is

 

A 3d version of those maps I show earlier would I think show even more.

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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Worth a read in the context of the actual coastal borders shown in this thread rather than the post 7500 BCE landmasses they have been considered in.

 

https://en.wikipedia.org/wiki/Early_European_modern_humans

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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I am sorry but I cannot believe that the Atlanteans were anything but from another galaxy. They were so far advanced. Indeed it may well be that those who were from around Mesopotamia around 6000 BC who were also well advanced of any other humans around there at that time were from another world too. 

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You are entitled to your beliefs, but consider that even the Greeks (the Atlanteans arch enemy) and Egyptians -  with their legends of Gods, Olympus, Ra and miraculous events dont have them flying around in Vimanas with energy beam weapons and nuking their enemies

- the most technical seeming to be horses, chariots and hints of something that became known as greek fire.

 

 

 

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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  • 4 weeks later...

https://www.independent.co.uk/news/science/archaeology/neanderthal-humans-channel-islands-jersey-cave-b1795457.html

 

"the Jersey teeth probably belonged to Neanderthal/AMH hybrid descendants"

 

"The food debris gives a clue as to why the Neanderthals based themselves in this particular cave.

They seem to have been feasting not only on reindeer and bison, but also on ultra-thick-skinned, well “armed and dangerous” fully grown woolly rhinoceroses and woolly mammoths."

 

"seem to have been feasting not only on reindeer and bison, but also on ultra-thick-skinned, well “armed and dangerous” fully grown woolly rhinoceroses and woolly mammoths."

 

"That “killing fields” landscape still, in a sense, survives today, but lies at the bottom of the English Channel. It has now been mapped by researchers from the University of St Andrews and the University of Aberystwyth, using side-scan sonar and bathymetric survey technology."

"In every respect, he has acted responsibly, legally and with integrity"

Boris Johnson on Dominic Cummings' Covid field trips

 

£288 million pounds a week - The ADDITIONAL cost of Brexit customs bureaucracy alone - stuff that on the side of a bus.

 

Its official: Boris "unrepentant and inveterate liar" Johnsons' word

isn't worth the paper written on

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