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    • Thanks for ipening SO,  nothing from may as you saw befor eI received a debt collection letter from a 3rd party.   As they got no response ON CHRISTMAS EVE I received  a new 'CLAIM FOR DEBT' containing a handy 'previous case notes' from a court appeal that went wrong. They include an affordability schedule, they have upped it to £182   They are sending the letter in accordance with Pre-action Protcol for Det Claims (PAP) caontianed int he Civili Procedure Rules (CPR) You have 30 days to complete the ecnlosed or possibly face court acton.   'If you ignore this letter and fail to responde proceedings will be issued against you and may increase you liability for costs"   I can then tick a box saying A,B,C,D  etc.  I owe the debt, I owe some of the debt, I dispute the debt, I dont know i owe the debt,, I will pay buy need time, Im getting debt advice, I h ave provided docs,  i need more docs or info, sign and send back.   Cheers!    
    • Hi. this is a long one, please forgive me.   I had extensive works on my home in Oct 2018 which included a loft dormer.  pursued builder for some snagging issues but nothing major (windows sticking, grouting racks and plaster cracks etc.) to no avail, builder gave me lots of excuses, illness, family issues which I was sympathetic to.  All of which came to heads in Oct 2019 when the dormer roof began to leak very suddenly and severely.  He came back to 'rectify' it a few weeks later and either ignored a lot of the other things or did them very poorly. the roof began to leak again May 2020  with damp patched appearing and then building up to an active drip in October 2020.  I tried contacting the builder which was ignored and instead I contacted my insurance/CAB and tried to gather evidence and quotes to rectify which was difficult given the pandemic.  My insurance has since said they wont help under my legal cover (this is with the FOS) and so I'm trying to resolve this by myself.  I contacted the builder with all the evidence in November 2020, he said he would put a claim into his insurance.  I asked for the details, timescale to be expected and asked him to arrange a temporary roof to mitigate his losses as well as reduce further damage to my home, he ignored these requests and  seems to have blocked my calls, only contacting me by text to say 'no news from inrsurers, they will contact you in due course.'   He is not a limited company, that apparently matters.  I have since sent him this letter, it is a huge amount of money, I've asked for full refund of the works, but in actual fact I'm aware that if he engages, he will likely barter with me to get me down, I know that and only hope that if we can agree on something, it is the cost of rectification as well as temporary accomodation whilst the roof is being replaced.    Do you think I can do this on my own?   Dear ___________, I have discovered the following problems with the work you have done for me:  ·         The roof of the dormer/loft room is leaking again, despite your attempt to fix this in October 2019, causing water to trickle into the ensuite shower room as well as the bedroom through the ceiling light, window and door fixtures.  Following heavy rain, the leaks are bad enough to fill buckets and there is water running down walls around the windows and also soaking into the wooden structure causing water marks in various areas of the loft room, loft landing and downstairs rooms. ·         The water ingress has affected the electrics in the house and has caused them to trip several times.  There are several double sockets in the bedroom which cannot be used due to watermarks around them, meaning there are more extension plugs being used which is not only inconvenient but higher risk. ·         The tiling in the bathroom was an inadequate job: the floor is uneven and the tiles have become loose there, again, despite your attempt to rectify in October 2019.  The tiles behind the shower are bulging, indicating there is water behind them.  The grouting has gaps and hairline cracks all over it which you were supposed to fix in October 2019 but did not. ·         The resealing of the shower in October 2019 was a very messy and uneven job, you did not even match the colour silicone, nor did you use an anti-mould silicone.  The shower continues to leak. ·         The shower does not drain properly, you ‘wet vacuumed’ this in October 2019 and this did not make a difference.  There is not a big enough fall on the drainage system, something I asked you about at the time of installation and which you dismissed. ·         The joints on the plasterboard under the plaster are showing, as is the edging to the window frames, which means the plaster is bubbling and bulging indicating water ingress. ·         The windows in both the ensuite and the bedroom stick and do not open or close properly, nor do the locks work.  You used WD40 or similar in October 2019 to try to rectify this, but it is still an issue.  The windows have not been installed correctly.  ·         There is a crack from the window frame in the bedroom to the floor where the window has been poorly installed. ·         During the original work you completed in 2018, your workers fell through the bedroom below ceiling 3 times and failed to waterproof the house adequately when there was no roof during the building works.   This resulted in a great deal of water ingress in the bedroom below causing the existing plaster to delaminate and blow on the walls.  I have since had to have this whole room re-plastered at a cost of much more than the £300 you permitted me to retain.  ·         The back porch which was leaking:  you undertook and charged me to seal this off and make the room watertight.  The waterproof sealant you used washed off and you recoated in October 2019.  This is leaking again.  The board you used to overboard the old back door is not sealed correctly and is letting in water, causing the boards to swell.  I have tried to resolve this myself but have been unable to and therefore need this to be done by a professional. ·         The back double patio doors have not been sealed correctly at the sides, this lets water in to the plaster about 2 foot off the ground when the weather is stormy. ·         The patio doors do not seal at the bottom and again, let water in at the bottom of the doors.  They also allow a draft in and hot air out which make the house less energy efficient. The patio doors do not close or lock properly, especially in summer. Despite you attempting to rectify this in October 2019, this has not resolved the issues with the doors.  They are not level, do not close properly and are not water or airtight. I have given you several opportunities to rectify these issues and you either did not attempt to or the attempts you made failed to resolve them.  As I have given you opportunities to rectify this work already, I do not wish for you to attempt again The Consumer Rights Act 2015 says that reasonable care and skill must be used while working.  In my opinion, you did not use reasonable care and skill when you carried out the work on my home and you have broken your contract with me.   I am therefore seeking a full refund on the works you carried out on my home in 2018. I ask that you pay me the sum of £46,000 so that I can have your mistakes rectified. You have informed me that you have submitted a claim to your insurance company, from whom I have not heard.  I have tried to contact you for more information about this and the timescales involved and have given you ample time to contact and address my concerns as well as to try to agree on a temporary resolution which might have mitigated your losses.   However, you have either ignored my communications completely or have responded by saying that there has been no news from your insurers.  At no time have you provided me with more detailed answers to my queries. The liability for work carried out lies with you and not your insurer and I feel I have been very understanding and patient on these matters over the last two years.   However, it is over 2 years on from the original works and I wish to have the habitable space I paid you for. You admitted your error whilst on a telephone call with me on 26/11/20 citing that you used the wrong type tape for the roof and you have never disputed error on the other matters, therefore I hope this situation can be resolved with ease and rapidity that will prevent further damage to my home. Please contact me as soon as possible, and no later than 10 days from the date on this letter, i.e. no later than 26th January 2021, to agree a date by which I can expect the requested payment. If I do not hear back from you in the time suggested above, I will be instructing my solicitor to pursue this claim.  Should you be a member of a dispute resolution scheme, I am willing to consider this as a means of mediation.   yours sincerely,    ___________________     Any advice on what to do should he ignore this letter or refuse to engage is very much welcome, I cant afford to mess this up again (the first mess up being choosing this individual for the works in the first place). 
    • As pointed out your issue is with Sweatband and the warranty is irrelevant but I am fascinated by exactly what this added term says.  Is it only the garage which is a problem or any outbuilding?  If you put up a shed and call it a garden room or home gym is that ok?  If your garage has been converted into a home gym is it still a garage?  Just pointing out how utterly ridiculous such a term is.  Definitely use social media to point this out to as many as possible.
    • Thank you very much indeed for this update. It certainly is a very surprising result – but very welcome. You're quite right, that P2G should get credit for this very customer-facing gesture.  
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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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21 minutes ago, honeybee13 said:

I don't think Kay Burely is necessarily thick. 

 

How many news presenters do you know of that think Norway isn't part of the single market or that the 9/11 attacks decimated the entire Eastern seaboard of the United States?

 

Read her Wiki bio from 2001 onwards. It's a catalogue of stupidity.

 

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

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It isn't realistic to lock all those with underlying conditions and over 70s in their homes for the rest of the year   It would have to be properly organised. We have various family members

I’m currently on day 9 of mild symptoms  Starting about 5 days after My daughter had symptoms and subsequently tested positive.  she’s well over it now.   From my point of view I’ve had far W

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I've just had a quick read of the stated reasoning

 

It seems to be intended to make all retail areas in non essentials suffer the same 'fairly'

More cretinous illogic

 

Its seems to be an extension of the mistake of allowing supermarkets to remain open AND giving them tax rebates (which they immediately shunted out to shareholders profits).

Although the problem with that wasn't clear to me at first, it soon became clear and should have been clear to those in power.

 

That customers were effectively routed away from other businesses to the supermarkets and online was a business benefit in itself,

and the only 'relief' they should receive is for moneys spent directly on managing the covid crisis

aka

Temperature scanners

Extra costs involved in delivering food to those isolating and/or refused entry to the stores etc

 

Dragging everyone down to the lowest common denominator isn't the answer, and that isn't what they are doing anyway.

 

 

 

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

Boris Johnson on Dominic Cummings' Covid field trips

 

Exactly the same benefits and no one is threatening our place in the single market - Vote Leave

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

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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

Boris Johnson on Dominic Cummings' Covid field trips

 

Exactly the same benefits and no one is threatening our place in the single market - Vote Leave

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

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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If you lived in Wales CJ you would know that Gething is a muppet . He didn't even twig  people would just order online.  he thinks he can ban PC game sales as Non Essential, along with the DVD's in Asda, he is too thick to realise most PC games are downloaded so good luck trying to ban a data stream, it would be same as banning streaming Netflix.

 

All they are doing is harming the ones they purport to be protecting, as he has stated a kettle is Non Essential, so boil a pan of water on the stove to make a cup of tea if the kettle breaks.  Do you understand the fundamental differences between North & South Wales?

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Back in April when I couldn’t buy a birthday card in a supermarket for a six year old did they really think I was going to wait until the shops opened.  Hello Moonpig for the first time in my life.  If I’d been able to buy locally my custom would have returned to the local card shop once possible.  However, I was forced to discover a convenience I’m not going to give up.

 

Stopping the supermarkets selling ‘non-essentials’ hasn’t saved the high street - it’s killed it.  

 

 

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11 hours ago, brassnecked said:

If you lived in Wales CJ you would know that Gething is a muppet .

 

Ok but I'm not sure that makes Kay Burley any brighter.

 

11 hours ago, brassnecked said:

Do you understand the fundamental differences between North & South Wales?

 

I'm not sure I do. Should I?

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Two languages, the economic ties that North Wales have are mainly with North West England, and little in common with the South, so Drakefords cardiff solutions screw up stuff in the North.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Just tell me when this virus is under control !

 

Mental health crisis is already starting to happen, due to the way the country has dealt with this.  I can see some people are finding it very difficult to cope with the constant tinkering by Government, rather than having a consistent plan. 

 

 

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We could do with some help from you.

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Hate to tell you this unc, but the legitimate reports seem to be indicating the pandemics spread is already beyond the prior peak.

and short of an effective vaccine, we have more than 6 months to go, with the worst by far yet to come.

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

Boris Johnson on Dominic Cummings' Covid field trips

 

Exactly the same benefits and no one is threatening our place in the single market - Vote Leave

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

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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Doesn't help that there are different plans in the devolved assemblies. under muppet Drakeford, I can go out to work in an English hot spot, but not visit a relative in the next county, under Drakefords Fire Break, the shopping list is depleted, kettle breaks, can't buy a new one, need a book to read? Non essential iss verboten, stationary as in pens pencils paper, Non Essential, veroboten can't even buy stationary for office or home office use, Office or home workers computer broke, tough Non Essential, printer ink, Non Essential, babies bottles and bedding Non Essential.

 

He is allegedly going to try to ban online sales, and downloads.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Banning online sales doesn't seem to make much sense, BN. Things that might seem non-essential when you already have whatever it is can become essential when you've run out or it's broken.

 

How does the downloads thing work? I don't get that.

Illegitimi non carborundum

 

 

 

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he was talking about banning online shopping for banned items, but that is impossible, he banned DVD & Video games, but fails to understand Streaming, as in he doesn't realise if you buy a game, you download a copy as a data stream and save the installer to a hard drive, then install, its like streaming a film from netflix, except you save the file rather than the data is flushed when you have finished watching.  He doesn't know what he is on about. here is part of the what is essential list think its Aldi

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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2 hours ago, brassnecked said:

he was talking about banning online shopping for banned items,

So if you're expecting a baby in the next couple of weeks not only can you not buy baby clothes or bedding in Tesco but he also wanted to stop new parents getting the stuff online?  I'm sure I read somewhere that non-essential retailers who have had to close may still deliver.  Does this mean you can get non-essential items in your supermarket shop if it's delivered but not if you shop in store? 

 

This sort of stupidity isn't to do with the virus, it's a pure power play surely.

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He is stopping retailers allowed to open selling what is on the Non Essential list as he says not fair supermarketys can sell what the shops he forced to close sell, he is looking at restricting online shopping to exclude non essential items don't think he can though.  Argos closed their retail outlets but are taking online orders for delivery.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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18 minutes ago, brassnecked said:

He is stopping retailers allowed to open selling what is on the Non Essential list as he says not fair supermarketys can sell what the shops he forced to close sell,

But if 'non-essential' retail outlets can still deliver even though they have to close the shop what's the reasoning behind not allowing supermarkets to deliver the same items?  I read a whole article this morning on how deliveries are fine but click and collect isn't.

 

And as an aside, what's he got against office supplies for everyone WFH?  I could have a whole other discussion about his allowing unlimited sales of batteries - can't work, can't clothe your children but you should devote your time to battery powered devices.  You have to wonder.

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Can't see the reasoning on stationary, bored children half term no pens, paper pencils and colouring books  not a good mix.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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So here's a thought:

 

The average age of someone dying of Covid-19 is 82.4.

 

The average life expectancy is less, at 81.4.

 

The rest of the population is making huge sacrifices to save people who, on average, would have been dead anyway.

 

I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many.

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@cjcregg How many have died due to Covid-19 in different age groups ?

 

Yes it is true that those close to average life expectancy have died, but many younger people have also died during this pandemic.

 

Does Covid-19  really warrant the level of economic harm that has been inflicted ?

 

Was there a concern that Covid-19 might mutate into stronger strains causing hundreds of thousands to die prematurely?  If there was such a concern, perhaps Governments have taken a very cautious approach, as they have no real idea of how this pandemic will run its course. 

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2 hours ago, cjcregg said:

 

I wonder what the total of life-years saved by all the restrictions we've had on us since the pandemic started is? Probably not many

Impossible to know as it will take years to find out if the long term damage caused to survivors is life limiting and to what extent.  A young person who was near symptomless but has irreversible damage to heart or lungs is as much a victim of the virus.  The 18 year old who catches it now and dies at 40 because of a damaged heart loses 40 years.  

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44 minutes ago, unclebulgaria67 said:

@cjcregg How many have died due to Covid-19 in different age groups ?

 

Yes it is true that those close to average life expectancy have died, but many younger people have also died during this pandemic.

 

 

 

How younger is 'younger' and how many is 'many'?

 

I'm not sure of the numbers raw numbers themselves but look at cat 4 figure 5 which is deaths by age group relative to population. Obviously ignore influenza and pneumonia.

 

https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths/bulletins/deathsduetocoronaviruscovid19comparedwithdeathsfrominfluenzaandpneumoniaenglandandwales/deathsoccurringbetween1januaryand31august2020

 

The category for deaths for under 65s is almost invisible.

 

 

 

 

 

 

 

graph.JPG

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On 23/10/2020 at 18:52, honeybee13 said:

I don't think Kay Burely is necessarily thick. Does anyone have a video link of the interview please?

 

seems competent and to the point to me

 

 

The aussie perception:

 

 

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

Boris Johnson on Dominic Cummings' Covid field trips

 

Exactly the same benefits and no one is threatening our place in the single market - Vote Leave

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

 

Its official: Boris 'The Liar' Johnsons word is not worth the paper its written on

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50K signatures on Petition against the ban

https://petitions.senedd.wales/petitions/244282

 

There are two camps here, the save the NHS and the local control is best like Ceredigion with rates so low due to them implementing their own local Test trace isolate away from the English Dido/Serco mashup that Drakeford bought into for Wales as well, with such anomalies as aschool dinner lady in Bangor being offered a test in Inverness, a 900 mile round trip.  Second group blindly support Drakeford's ban even suggesting Online shopping for the non essential items should be banned, and mask wearing compulsory even in our own homes.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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