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    • Thank you for your reply BankFodder and all advice.    Will do the SAR, as mentioned and reading customer service guide.    Thanks again.     
    • Send Firstport and SAR. Do it today. Read our customer services guide and implement the advice there in future. With any company. I expect my site team colleague @dx100uk will be along shortly to provide you with the help you need. Finally, please can you avoid posting in a solid block of text. It's very difficult to read and very unhelpful. Properly spaced and punctuated will encourage others to visit your thread and to give you the support that you need.
    • Hi. This is the first year I had to ask Firstport could I pay by instalments due to company/job closures. They agreed on the phone I could pay instalments. No record was sent or a payment plan put in place. I simply paid on their website by credit card. I paid different amounts and paid every month but I had a blip one month & couldn’t pay so carried on paying the months after. A refund arrived in another month so I ‘used’ that as my instalment. Suddenly 6 months into the year I received a letter from the debt co. PDC saying I owe extra money plus admin fees. They did not know it had been agreed that I was paying instalments so I told them this.  They then agreed it with FIRSTPORT. I then pointed out I had paid up to date. I received no notification from FIRSTPORT about anything being overdue until an email came a day later than the letter!  I’ve been battling with them since November and they just don’t listen. I don’t want their sympathy as everyone has a nightmare year. But I can’t pay them anymore than what I already have to.  Is this all legal ?  many thanks in advance for advice. Marion. 
    • Its all political now Hightail, and the politicians are playing with lives, also Hancock seems to think that its ok to have a flexible interval between jabs, and mix and match vaccines at random depending on what available on the day, with no clue as to adverse interactions.  he should be in jail along with Whitty and ferguson,.
    • I don't think we have any reliable data for a single dose of any vaccine so far.  What we do have from the current protocol are great figures for how many people have received a single shot.  I'm concerned that's more useful for political propoganda than medical efficacy.
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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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I am sure you are very clever.  

The entire republican party is corrupt to the core.   We have out issues with our parties here, but damn, the states is basically a clusterf***.  Trumps been c[aught lying, commiting illegal activitie

...and wee Nicola says Trump going to Scotland isn't essential travel and wouldn't be let in.   'Sturgeon said she wasn't clear on the president's travel plans but hoped his immediate travel

Posted Images

1553652753_theretheretrumpypants.jpg.29b7412f2c68f0d6df74676979b943ba.jpg

"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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11 minutes ago, honeybee13 said:

I see your point. Still, that makes it more difficult for Trump. 

Indeed and it also increases the chances of the Dems taking the Senate, albeit with Harris' casting vote.

 

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Apart from Alaska which is almost certainly republican and 3 votes, and North Carolina with 15 votes likely republican

https://www.nbcnews.com/politics/2020-elections/north-carolina-president-results?icid=election_usmap

 

all others are getting more and more likely (but still not certain (including Arizona)) Biden/democrat wins

 

and most votes to be counted seem to be from the VERY democrat leaning larger population areas.

All the massive ranch low population counties have only handfuls of votes outstanding - and they are probably from the 'help' on the ranches.

 

eg

https://www.nbcnews.com/politics/2020-elections/arizona-president-results?icid=election_usmap

 

 

"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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Trump claiming shenanigans by democrats, but it would appear that a number of batches of thousands of postal ballots are being 'found' in sweeps

"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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11 minutes ago, tobyjugg2 said:

Trump claiming shenanigans by democrats, but it would appear that a number of batches of thousands of postal ballots are being 'found' in sweeps

'Found' or being brought out to be counted?  As I understood it, traditionally (and maybe only in some states) postal votes are not counted unless they would make a difference.  If one candidate has polled enough votes that the postal votes can't alter the result then they don't even bother with them.  Trump isn't the sharpest tool in the box so I could see him honestly convinced they're an optional extra and only used out of spite to defeat him.

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29 minutes ago, hightail said:

 As I understood it, traditionally (and maybe only in some states) postal votes are not counted unless they would make a difference.  If one candidate has polled enough votes that the postal votes can't alter the result then they don't even bother with them.  

 

 

HH.JPG

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26 minutes ago, honeybee13 said:

There were also sweeps by the US postal service, I don't know if they're still going on.

I guess it depends on the rules by state and if they’re relevant. They each set their own so your postal vote would be valid if postmarked Election Day in one whereas it might need to have been delivered by then in another.  You wouldn’t want to risk a postal worker ‘missing’ the odd sack of mail left in a corner or under a bench.  

 

There are states where the postal ballot can’t make a difference so they’ve declared without them.  Don’t suppose they’ll be bothering so much there no matter when they have to be in by.

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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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i have placed a blank line between all your links so they are now clickable.

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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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I actually wonder how some people make their way in life. Or maybe they just don't.

 

9 hours ago, hightail said:

 

 

There are states where the postal ballot can’t make a difference so they’ve declared without them. 

 

The counting of valid ballots (mail-in or otherwise) isn't discretionary. All eligible votes are counted. 

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2 minutes ago, cjcregg said:

I actually wonder how some people make their way in life. Or maybe they just don't.

 

 

The counting of valid ballots (mail-in or otherwise) isn't discretionary. All eligible votes are counted. 

That ‘every vote is counted’ seems obvious to us but in Trump’s mind may seem unfair somehow.  It’s him throwing the tantrums, not me.  I’m just interested in why he may believe it’s fraudulent, his reasoning.

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3 hours ago, hightail said:

That ‘every vote is counted’ seems obvious to us but in Trump’s mind may seem unfair somehow.  It’s him throwing the tantrums, not me.  I’m just interested in why he may believe it’s fraudulent, his reasoning.

 

You said it was ''states where the postal ballot can’t make a difference so they’ve declared without them''. Not Trump.

 

Remember?

 

 

Edited by BankFodder
Removal of unhelpful and inflammatory remark
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And the winner is US TV news networks who are going to be arguing ( between commercial breaks) 24/7 for the next 4 months !

 

And US voting regulations in different states make UK system seem very antiquated. UK has ballot with  a cross in box, US have forms that have to be run through computer scanners, ID checks, signatures etc. 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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I liked this from conservative columnist Max Boot in the Washington Post.

 

“I have never been more grateful for President Trump’s incompetence,” writes the conservative columnist Max Boot in the Washington Post. “He can’t even organize a coup d’état properly.”

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Illegitimi non carborundum

 

 

 

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According to CNN in their coverage of the US election result.

 

" This could be the day "   Said many number times on Thursday

 

" This could be the day "  Repeated throughout Friday

 

" This could be the day "  Is it still Friday ? No, Saturday morning and the news anchors are still repeating all of the same information they have for the last 48 hours or more.  Clearing getting totally bored by the situation, with their faces no longer hiding their feelings.

 

And the **breaking news** hot off the press from somewhere in Pennsylvania, is that they are expecting an update at some point very shortly about number of votes still outstanding or on some other point, which they are not really sure about. 

 

Will Saturday be the day or will it be Sunday, Monday...............?

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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I'd say it won't be today. Wisconsin and Georgia have recounts, are they doing that over the weekend?

 

It seems fairly academic to me, historically recounts have only changed the figure by a few hundred and Biden's lead runs into thousands in most of the outstanding states.

Illegitimi non carborundum

 

 

 

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The Guardian are using AP's decisions on who has won which state. This is what AP says, from the Live feed at 11.32. There's more detail on the different states if people are interested.

 

I’m sure a lot of people are coming to this live blog just wanting to know when we’ll get a final result, and what is holding it all up. Here’s what the Associated Press (AP) said yesterday about the reasons remaining for not ‘calling’ the final few swing states for one candidate or another.

They all essentially boil down to ‘there’s still enough uncounted votes to swing it either way, and there will likely have to be a re-count in any case’.

 

https://www.theguardian.com/us-news/live/2020/nov/06/us-election-joe-biden-donald-trump-result-latest-who-is-winning-live-2020-updates

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Illegitimi non carborundum

 

 

 

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Warning ! Contains bad language

 

 

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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