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    • Great thanks! I have refined it -    ‘Dear Prosecutions Manager,   I would first of all like to start my response by saying how deeply sorry I am. I realise my actions were wrong and it is in no way representative of how much respect I have for Southeastern and their staff.  I am remorseful about the poor decision I have made. I’d like to try and explain my circumstances at the time I evaded my fare. I have recently returned to work but I have been on reduced pay for a while due to COVID-19 which led to me committing the incident mentioned. Additionally, I have been under stress as both my parents have been diagnosed with long term illnesses during the pandemic and I have been concerned about travelling and exposing them to COVID-19. Although I don’t live with them, they have been reliant on me during the pandemic to collect shopping, medication and support them throughout hospital and doctor’s appointments. The extra pressure has taken a toll on my mental health and I have consequently made a careless choice. I was so ashamed of myself when I was stopped by the Revenue Protection Officer and since then, I have ensured I have paid full fare for every journey I have made. The consequences of my actions have weighed heavily on my mind since. I am concerned that a possible prosecution would ruin any future employment opportunities and I would really like to settle this out of court with a contribution towards the administration costs as compensation for my actions. I am regretful of the extra pressure and inconvenience caused to all involved and would like to make amends.. I’d like to end this letter by saying that I understand the gravity of my actions and will never travel without a valid ticket in future. I thank you for taking the time to read my response and I appreciate any leniency you can show in this matter.’
    • Hopefully this has done it, thank you for your help 2021_05_14 20_18 Office Lens-merged.pdf
    • In 2016 my business was subject to a fraud regarding a Rolex watch which we had taken in as part exchange from a local and well known customer. We took his steel Rolex and he paid a few thousand £s extra and bought a pre owned gold one from us.  Having bought his watch, part of the deal was we would not sell it until he returned from over wintering  in Australia after a few months. Upon his return he was planning to either part exchange the pre owned gold one back and buy a brand new version of it,  or he might like to simply  buy his original one back.  The watch therefore sat in my safe for nearly a year. At which point we attempted to contact the customer only to find his obituary. He was ill before he travelled so we suspect he knew he might not return.   It was a few weeks before Christmas so we put his (which was now ours) watch in the window (as it was) to sell and sold it within a few days. Had it not sold before Christmas we  would have sent it to Rolex for service and refurbishment, and subsequently offer it for a higher price in the spring (Rolex would also have identified it as fake). Two years later the customer that bought the watch returned it quite upset after he had sent it to a national watch buyer to sell, but was told it was a high end counterfeit (ie not your $20 Chinese throwaway, but one purposely manufactured to deceive).   After some checking ourselves, we refunded the customer and spoke with our insurers.   Our business insurance provided all risks cover with a few exclusions (terrorism etc) and was a very well known policy that many/most UK retail jewellers take up. Indeed we had held the policy for many years.  Fraud is an insured risk.   It is my view that a customer selling us a fake watch is a fraud. The broker enquired with underwriters and they have said it is not covered. I am not satisfied and have asked the broker to send me the wording of the policy so I can read the exclusions. I am told they have searched their archive but cannot find the policy so cannot send it to me. They have asked me if I have my copy? I haven't found my policy document either and fear I threw it away upon renewal. But wonder, if I do keep looking, whether it would be a good tactic to let them have my copy. We have been renovating the house for a year and the attic is absolutely chock a block with stuff, a thorough search through the old books would take a week or more.  I have suggested if they cannot find the wording sold with my policy they should settle the claim. Clearly they cannot reject the claim without the wording? It sounds odd to me that they even need to retrieve the policy to find the wording.    I am quite certain a claim for fraud is an insured risk. I guess somebody has to judge whether the transaction was fraudulent first though. I am quite happy to issue a summons if the insurers reject my claim by trying to suggest the risk was not covered (unless it obviously isn't), which is why we need the wording.   Comments and a strategy would be very useful to understand whether or how to proceed. The claim is for £3500.
    • So let’s say you won’t get more than 1 hour for lunch, so 48Hr/wk is your paid hours. That gives you 2496Hrs/yr at £20k yours hourly rate is £8.01/Hr.    if you are 21 or 22 you should be on £8.36 23 or over takes you to £8.91   so unless you are younger than 21 you are below minimum wage and they are breaking the law if those are the hours you are contracted for. 
    • you read UPLOAD use jpg to redact then convert and merge to PDF.
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    • Mediator point - Hermes lost my parcel and it is offering just a partial refund of the total amount requested. What's next?. https://www.consumeractiongroup.co.uk/topic/434633-mediator-point-hermes-lost-my-parcel-and-it-is-offering-just-a-partial-refund-of-the-total-amount-requested-whats-next/&do=findComment&comment=5109422
      • 13 replies
    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 33 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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
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Already knew he had COVID, but didn't tell. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌










Monday, October 5

EXPERTS SUSPICIOUS: TRUMP'S CASE SEVERE? Doctors not involved in treating President Donald Trump for COVID-19 said the fact that he has been started on dexamethasone -- a generic steroid used to reduce inflammation -- is evidence his case is severe. Trump’s medical team said the president's condition was improving and he could be discharged from the hospital on Monday. “What I heard in the news conference description suggested the president has more severe illness than the generally upbeat picture painted,” said Dr. Daniel McQuillen, an infectious disease specialist. CNN’s chief medical correspondent meanwhile said it's "very hard to trust or believe” Trump's medical team right now. [Reuters]

TRUMP 'DIDN'T DISCLOSE' FIRST POSITIVE COVID-19 TEST DURING FOX INTERVIEW Trump had already been notified he tested positive for coronavirus by the time he appeared on Fox News for an interview Thursday night, but he didn’t disclose that at the time, according to The Wall Street Journal. During an interview with Sean Hannity, Trump merely confirmed one of his aides, Hope Hicks, had been diagnosed with coronavirus. He said he wouldn’t receive his results until later that night or the following morning. WSJ reports Trump had already received a positive coronavirus test by the time he appeared on Hannity’s show. [HuffPost]

'INSANITY': TRUMP LEAVES HOSPITAL TO WAVE AT SUPPORTERS Despite his sickness and infection, Trump decided to surprise supporters gathered outside Walter Reed National Military Medical Center -- a decision slammed by an attending physician as reckless "insanity" that subjected Secret Service and other staff in his limousine to extreme risk of exposure. Meanwhile, New Jersey health officials say that hundreds of Trump fundraiser guests were exposed to COVID-19. Democratic nominee Joe Biden’s campaign the Democratic presidential nominee again tested negative for COVID-19. [HuffPost]












TRUMP CAMPAIGN AIDE DEFENDS FIRST FAMILY'S REFUSAL TO WEAR MASKS An adviser to Trump’s campaign defended the first family’s decision not to wear masks during last week's presidential debate, which flouted rules set by the event’s host and agreed to by Trump’s campaign. On “Fox News Sunday,” host Chris Wallace told Trump campaign adviser Steve Cortes that the rules about wearing masks “could not have been more clear.” Though first lady Melania Trump and four of Trump’s children ― Donald Trump Jr., Eric Trump, Tiffany Trump and Ivanka Trump ― were seen walking into the debate wearing masks, they removed them after being seated and refused a doctor's admonition to put them on. [HuffPost]

TRUMP ADVISER ACCUSES BIDEN OF USING MASK AS 'POLITICAL PROP' Jason Miller, a senior adviser to Trump’s reelection campaign, criticized how frequently Joe Biden wears a face mask, claiming that the 2020 front-runner uses the item “as a prop." “ A mask is very important, but even if he’s ― he could be 20, 30 feet away from the nearest person and still have the mask on. That’s not going to change anything that’s out there,” Miller told ABC News on Sunday. Biden sent his well wishes to Trump, who remains in hospital, while campaigning in Michigan, saying, "I genuinely feel badly for the president." [HuffPost]

GAY MEN HIJACK 'PROUD BOYS' HASHTAG Gay men launched a savvy campaign over the weekend to appropriate the hashtag of the white supremacist “Proud Boys” with a tsunami of touching images and messages on social media. The love resistance movement sent “Proud Boys” zooming into the trending stratosphere. But the posts weren’t riddled with the disturbing images and messages by the group Trump told to “stand by” after he was asked to condemn white supremacists at last week’s presidential debate. Instead, these Proud Boys Twitter posts were filled with photos of embraces and wedding scenes, and expressions of love. [HuffPost]



ALL THE REPUBLICANS IN TRUMP'S ORBIT WHO HAVE TESTED POSITIVE SO FAR A busy week of travel, public events and private meetings led a shocking number of people around Trump to contract the coronavirus. Trump and first lady Melania Trump revealed their positive diagnoses early Friday, just a few hours after Hope Hicks. Since then, a growing number of other frequent contacts of the president’s have tested positive. Many were linked to Trump’s packed White House Rose Garden event on Sept. 26, when Trump nominated Judge Amy Coney Barrett to the Supreme Court. Social media posts show people who went to a New Jersey fundraiser with Trump had fanned out across the country, going out in public and not wearing masks. [HuffPost]

TOP AIDES ACCUSE TEXAS AG OF BRIBERY AND CORRUPTION Seven top aides to Texas Attorney General Ken Paxton have accused him of bribery, abuse of office and other criminal offenses. A letter from the staffers said it was a notice to Paxton's office that the aides had reported a "potential violation of law" by Paxton to the "appropriate law enforcement authority." "We have a good faith belief that the Attorney General is violating federal and/or state law, including prohibitions relating to improper influence, abuse of office, bribery and other potential criminal offenses," the letter says. Paxton has been under indictment on securities fraud charges for years. [AP]

CORPORATE POLLUTERS GET MILLIONS IN FEDERAL COVID-19 AID At least five companies with histories of violating environmental rules secured emergency government loans totaling as much as $32 million to retain employees during the early months of the coronavirus pandemic. Those companies, most in the energy sector, have collectively paid more than $52 million in penalties for violations of clean air and other environmental regulations.. Each secured a sizable loan within a month of the Paycheck Protection Program launching in early April. [HuffPost]


Vice President Mike Pence in March directed the nation’s top disease control agency to use its emergency powers to effectively seal the U.S. borders, overruling the agency’s scientists who said there was no evidence the action would slow the coronavirus, according to two former health officials. The action has so far caused nearly 150,000 children and adults to be expelled from the country. The top Centers for Disease Control and Prevention doctor who oversees these types of orders had refused to comply with a Trump administration directive saying there was no valid public health reason to issue it. [AP]

TRUMP'S PRESIDENCY WILL IMPACT REFUGEES LONG AFTER HE LEAVES OFFICE Trump has spent years dismantling the refugee system and on Wednesday proposed cutting the already record-low admissions cap to 15,000 for the next fiscal year. Joe Biden has pledged to raise the maximum number of refugee admissions to 125,000 a year if he wins. While he could change the target number for admissions with comparative ease if he becomes president, Biden would face a series of challenges, including restoring a resettlement infrastructure that has faced layoffs and closures due to cuts forced by the Trump administration. [HuffPost]

NEW YORK WILL AGAIN CLOSE SCHOOLS, SOME BUSINESSES New York Mayor Bill de Blasio announced schools and nonessential businesses in nine New York City ZIP codes will have to close temporarily as the areas face worrying spikes in coronavirus cases. The closures, set to begin Oct. 7, mark the first major reversal in the city’s reopening plans since the pandemic forced shutdowns in March. Some of the ZIP codes de Blasio highlighted have coronavirus positivity rates nearing 9%, although he said the city as a whole “continues to have a low positivity level.” [HuffPost]













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