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    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
    • have you written evidence it was hacked?    
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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!
       
       
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    • 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

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Local County Councillor, who is also a fellow Community Councillor said they were aghast as Drakefords restrictions were flashed up during a Zoom meeting Drakeford has killed many North Wales jobs, but then its a price worth paying to control a virus even when the R rate  in North way lower than required for Tier 1 England?  Tier 4 in Wales is Tier 3 England on steroids.?

 

Drakeford is a good marxist all must suffer equally it seems.

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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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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

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

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Damning of British news services that you have to get anything more than a few nondescript mentions away from the headlines (or worse - some BS cheer-leading as a headline) you have to go to reports from abroad

Where are we? Britain or China?

Edited by tobyjugg2
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"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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We are in North Korea in Wales with Dear Leader (NOT) Drakeford

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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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No he is not well liked North of merthyr.

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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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Yes the UK press are all over it, well he can compare notes with Johnson as they argue over fish, forgetting the only negotiator should me Barnier and Member State leaders should be having no part in it as the Commission does it for them.

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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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Going back to the New York Times article I linked to, it's been pointed out on Twitter that the Byline Times have been digging up details on contracts for a while and have information on firms that the NYT mentions.

 

Here's an article from openDemocracy on how much has been paid to Deloitte over Covid and how difficult it is to work out what they've done for the money. Anthony Costello of Indie Sage says the money should have been given to the NHS instead of running a parallel system and/or reinventing the wheel. [My words but I don't think he would disagree on the last bit.]

 

https://www.opendemocracy.net/en/opendemocracyuk/deloittes-test-and-trace-bonanza-this-is-how-much-the-british-public-has-paid-them-so-far/

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Illegitimi non carborundum

 

 

 

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If they had  done the obvious and funded local Test, track & trace, and proper sourcing of PPE their buddies would not have had their bumper paydays.  HB  its all looking a bit insider trading,

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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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1 minute ago, honeybee13 said:

True. Had it been another country, I think we might have called it corruption, BN.

Exactly.  hancock has fingers in some of the pies outside his job as well.

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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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Shouldn’t the NYT be focusing on why 3k per day in the US are dying while their dear leader Trump plays golf and tweets about his hurt feelings. 
 

Makes a few dodgy deals seem like small beer really.

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Well thanks to Drakeford  potentially North Wales will be 80% on the dole, as Hospitality is now essentially dead and bankruptcy assured for most in that line.

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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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But @brassneckedwhat other choices does he have ?

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Where I am rate is extremely low, but you have to understand the North South divide in Wales is worse than the English one, Cardiff is more remote from Llandudno than London or manchester is. Its 5 hour drive or train  to Cardiff  but 90 minutes to manchester train or drive. Bus would take two days as no direct National Express link.

 

What he could have done was not bought into Hancock & Dido's busted app but gone for a Wales wide version of the Ceredigion Test trace isolate,  used the Nightingales for isolation, and kept Covid out of General Hospitals as mentioned by Dr Richard North, and kept an accurate track of the figures.

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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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On 27/11/2020 at 16:08, honeybee13 said:

I see your point, TJ. HMG has frittered away any time it's had given to it in 2020; warnings from Italy when they were about two weeks ahead of the UK and two lockdowns, to source PPE and get a functioning test and trace system in place.

 

Far more people are saying they should just listen to local public health people and organise things locally but of course that doesn't give money to Tory cronies. Local public health people could possibly organise a better tiers system rather than clamp down on entire counties as well.

It would also give money to the opposition eg, Labour LA's.  

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9 hours ago, honeybee13 said:

I saw a map of Covid cases in Wales yesterday or the day before and the cases seemed to be mainly in the south. BN mentioned that the other day but I'm still interested to know why the virus is spreading.

 

Also, what's the deal on 11,000 positive cases that have just come to light?

They appear to be blaming it on the Lighthouse Laboratories for not reporting these tests. 

 

https://www.theguardian.com/world/2020/dec/17/wales-coronavirus-cases-double-it-problem

"PHW said the missing results were from tests carried out by the Lighthouse laboratories, which were set up to help tackle the Covid crisis.

The Welsh health minister, Vaughan Gething, said the government was aware that the PHW case numbers were not accurate before it made the decision about the new restrictions."

 

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Uploading documents to CAG ** Instructions **

 

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The Welshing beloved leader is quite clearly stating it was a planned IT upgrade that caused the delay (in correct figures) isnt he?

Edited by tobyjugg2

"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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Drakeford is talking from his backside again Mr methane speaks from there with more clarity, if they knew a planned upgrade was going to affect figures they should have allowed for it.  Sounds like an excuse same as when a Windows 10 automatic update borks something.

 

The figures only affect the South Wales figures apparently, so people in the North and Mid Wales are even more angry with itch & scratch aka Drakeford & gething the Chip, the lousy comedians.

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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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I've just been flipping through teh various TV news services and when you are looking for any sort of detail and competence in the reports, I find it truly shocking that AJ whips BBC and sky hands down.

Even RT has more detail .. mostly horseshit wrapped in a bun - but even that more entertaining than sky or BBC

 

When did they (sky and BBC) actually become such content-less one line headline blurters with oodles of waffle filler?

Just seen one tosswad lead (recognised the face) on sky giving a calm carefull UNICEF representative a piece of Rees-Moggs mind for feeding UK needy. Never see him talking to smogg like that for voting to leave children hungry - Sell out ****.

 

durmutt or some such if I remember rightly

Edited by tobyjugg2
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"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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13 hours ago, brassnecked said:

Where I am rate is extremely low, but you have to understand the North South divide in Wales is worse than the English one, Cardiff is more remote from Llandudno than London or manchester is. Its 5 hour drive or train  to Cardiff  but 90 minutes to manchester train or drive. Bus would take two days as no direct National Express link.

 

What he could have done was not bought into Hancock & Dido's busted app but gone for a Wales wide version of the Ceredigion Test trace isolate,  used the Nightingales for isolation, and kept Covid out of General Hospitals as mentioned by Dr Richard North, and kept an accurate track of the figures.

Best to look at places like Australia, think Melbourne, a city of 5 million. a few cases and they were in lockdown for 6 weeks.  They have defeated the disease and their economy is relatively unaffected. What I'm saying is that no matter how low the rate is, lockdown is the only answer, and properly until the cases are all over.  This sort of halfway faff in the UK, and most other Western countries only prolongs the agony.

 

Whatever happens over Christmas we will be back in UK wide lockdown again in January anyway.  In my opinion Boris should have cancelled Christmas, the vast majority would have understood, he could have put a sweetner in , a couple of extra Easter Bank Holiday's or 2 in July, at a cost that would be miniscule compared to the cost of soon to be here Lockdown 3.

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London, there was a survey in the last week or two that said around 50% of people would rather carry on with restrictions than come out of lockdown for Christmas, potentially lose a lot more people and then have to lock down again after Xmas.

 

Christina Pagel of Indie Sage was on Newsnight and she pointed out that the people we're likely to lose are probably first in line for the vaccine.

Illegitimi non carborundum

 

 

 

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2 hours ago, honeybee13 said:

London, there was a survey in the last week or two that said around 50% of people would rather carry on with restrictions than come out of lockdown for Christmas, potentially lose a lot more people and then have to lock down again after Xmas

I thought it was more than 50%.  They're the ones who choose not to take the risk anyway - it isn't obligatory.  Others will do as they please whether Boris allows it or not.  That's how it was always going to be and it's now only about whether they are criminalized.  I doubt there are many who intend to spend 5 days solid in the company of extended family, doubt there are many who could stomach that even under normal circumstances.  A 5 day window should give everyone the chance for a short visit, a meal, exchange of gifts or whatever even if they're working some part of Christmas.

 

Edited by hightail
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