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    • Sounds like you passed the "attitude test" then. Hopefully you should be OK.
    • Thanks for your detail response,   my car was registered in Cambridge and incident happened in london, he asked i did told him i comes london quote often , he laughed and said probably cos of good food.   He didn’t said anything you say maybe given in evidence etc After that he said you know you jumped redlight and u must have read in theory test you should slow down as approaching to signal, i did politely said yeh i know tht but this time i didn’t realised and after that he just handed over my license and we both left…he told me it’s dangerous to pass junction like this…
    • @dx100uk - hi, started new thread here.
    • Name of the Claimant ? Hoist finance UK holdings  Date of issue – 05 May 2021   Particulars of Claim  What is the claim for –  1.The Claim is for the sum of £2291 in respect of monies owing pursuant to an overdraft facility under bank account no.<redacted> 2. The debt was legally assigned by Lloyds Bank (EX LLOYDS TSB) to the Claimant and notice has been served. 3.The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.    4.The claimant claims The sum of £2291 Costs   What is the total value of the claim?    Account Claimed £2291 Court Fee – £105.00 Legal representation - £80   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? No (did inform Lloyds, not Hoist) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Overdraft   When did you enter into the original agreement before or after April 2007 ? after    Do you recall how you entered into the agreement...On line /In branch/By post ? In branch   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser has issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? No   Did you receive a Default Notice from the original creditor? No   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Started receiving communications in 2019   Why did you cease payments? Last payment was in 2014 to Lloyds. I was unable to make payments as I had just finished my studies and wasn’t working. The account was then removed from my online banking and I had no access online or in branch. The next correspondence I received was from Robinsons Way/Hoist asking for payment 2019.   In addition, I responded to Robinsons Way/Hoist requesting the CCA on 19/02/2020. Hoist then sent correspondence on 23/02/2021 that Lloyds were unable to provide this documentation and that until Hoist received further information from Lloyds, they would temporarily cease action on the account whilst Hoist “waited for a resolution”. I have not received an update since then (except for this claim).   What was the date of your last payment? 2014   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter a debt management plan? No       Starting a new thread following on from this thread.   Background:   Student account overdraft with Lloyds Last payment made was in 2014 Robinsons Way/Hoist contacted in late 2019 Asked for CCA 19th February 2020 Received communication stating they were trying to obtain CCA 23rd February 2021  Robinsons Way/Hoist said they would cease action until they obtained information from Lloyds Heard nothing from Robinsons Way/Hoist until the CCJ claim Despite the lack of relevant information from Lloyds as per the above, Robinsons Way/Hoist marked the account as defaulted on credit file 11th March 2016  No idea how they came up with this date if they don't have necessary paperwork from Lloyds   Here are the Particulars of Claim for the OD:
    • Hi BankFodder, Thank you so much for taking the time to answer to my case. I have to say I always found great pleasure on reading eloquent mind like yours. Unfortunately my english is not by far as good as yours and I think few sentences on my previous paragraph might have been misunderstood. Apologies for that. I write in a rush, between one task and another, with two children grabbing my attention all the time, but you are right I should have taken more time to read through your forum. I did read though many of the cases reported (you see I don't even put the space in between the paragraph as you suggested to help people reading on small screen) and the only reasons I stated the 3 points in my second message is to tell you what is the position they have taken. I had read already about the insurance in your forum as well as the amount declared, but I was just reporting my case to you to have a full picture. It was naive indeed saying that the value of my items were £500, my bad. But I haven't changed the value 3 times like you mentioned. I firstly declared £500 when I paid for the service and then I declared £1200 when I filed for the small claim court (and recap all the evidence in my possess), so to them I actually just change the value once. Nevertheless my only worry was the fact that I had signed a contract with them where they stated (as reported in my previous message) they won't pay more than £300. But if you say that it's anyway their negligence of having lost my parcel (and of course I agree with you!), I am happy to refuse their offer and see where this is going. The parcel is lost and with it a lot of sentimental stuff, I guess I would feel better if I knew there was a bit of a fairer judgment. Although naive, I know that my actions were and are in good faith, I am not sure I can say the same about them. P.S. I also did claim interest when file for small claim court. One more thing, if this is going to court, do I need to get myself a lawyer?   Many thanks again for your help.   Kind regards, Anturia
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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
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Systemic corruption - end of my tether

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The email I have quotes the older of the woman at the meeting, who has clearly lied. In the context of the whole situation there has just been so much underhand stuff. I think 'corrupt' is fair. The consequences of this lying are not small.

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  • 4 years later...
Posted (edited)

I am now five years into a set of escalating complaints procedures which began with the appearance of a violent antisocial neighbour. I am signed sick long-term, on ESA, and live in a council bedsit. The situation was very badly handled by the police and the council. I wrote about it here in 2016. I wouldn't expect anyone to wade through that too but I will link the thread in case soeone does want to read or skim it.:



What transpired afterwards has been deeply shocking, though I should probably not have been surprised. I have found without doubt that the Housing Ombudsman, the Local Government and Social Care Ombudsman, the IPCC, Kent Police's 'Professional Standards' department and its office of Crime and Police Commissioner are all entirely corrupt - 'inept and dishonest' would be far too much of an understatement. I don't doubt that these bodies sometimes contrive to give the appearance of finding in favour of a member of the public, but of course they have to, for appearances and to retain a venner of being legitimately funded by the public.


I have googled this and am aware that very many members of the public have found the same, which is to say that techniques of stonewalling and cherry-picking of details are used by these supposed watchdog-like bodies. You can see evidence of this on review sites like Twustpilot. There are Facebook groups about ombudsman corruption, and I have from time to time taken some kind of short-lived strength from communicating with people who've been through the same kinds of thing. The ombudsmen and watchdogs of these kinds exist primarily ot cover up wrongdoing. Proper scrutiny would show thatis fact.


This week I received my final decision from Kent Police's Office of Crime and Police Commisioner and it has been the same thing again, of missing out important strands of argument, stoewalling and letting provable lies stand. Last year I put letters through more than half the locla solicitors' doors asking for help, but seemingly the safe days of dealing with probate and the like are what they're after. I have had almost no replies, and the ones I did receive brushed me off.


In 2019 I had two batches of eight sessions of counselling with someone who deals with victims of crime. I made it clear that the crime i'm a victim of is fruadulent bheaviour of the police and local government. THe counselling did help for a time, and potentially has moved me on. I want to leave the town I've lived in for 48 of my 50 years because I cannot consent to Council Tax when its recipients are guilty of sustained institutional abuse. I am thinking of trying to weather being homeless somewhere, but doubt I could survive. But here I am angry and exhausted every day. I feel trapped, because I am. People seem to be able to turn a blind eye to this knid of thing, and I understand that - I needed it to happen to me to properly feel it. As a result I never have any trouble believing the news now when it comes ot corruption, particularly of the police. It is only knowing that women and people from what have bene called 'BAME' backgrounds suffer worse that stops me losing the plot entirely, in other words I am not going to play down what I've suffered and lost but I d ohave perspective. This perspective gets nobody off the hook.


I feel forced to say that I 'am not coping well' with all this. I would prefer to say that 'I can't cope'. It is too much, the strain, exhaustion and anger that is seldom abated in me. I imagine a period of relief during the best parts of summer, especially if I'm able to sell some things to fund a cheap break by the coast, which has been a life saver every summer for the last five years.


I've gone through all the proper channels, I've written many dozens of letters, I've been pulled into a farcical dialogue with my MP who has shown his allegiances and whose letters are self-contradictory in the same transparent fashion of his colleague the Prime Minister's attempts to jolly his adoring public along while lying.


Other than leaving and one unmentionable option there seems to be nothing I can do. It seems I'm meant to accept this. I have seen undeniable proof that a country held to be democratic absolutely is not. No legal aid available and all the ombudsmen and watchdogs and internal procedures are provably corrupt, and on top of that provability what is undeniably true is just dimissed.


I will blog what has happened to me and leave the URL around town. I would hope that if nothing else I can help empower others in my town who are being similarly vicitmised, who are similarly struggling. I wrote to journalists, even ones of more extreme politics than mine, to no avail. I will state everything on my blog about the police and council, even where it is open to leading to legal troubles. No one should be afraid to tell the truth. If threats are made about slander/ libel then I'll invite them to take me to court.


Can anyone comment on this? Is there a way out I've not seen?


Note: I know that as well as some being of a political hue that would make them sympathetic to my abusers, some additionally would find my situation hard to believe - more than five years ago I would have glazed over, myself - and some will be dismissive. I am past caring about this sort of thing and am too old to be troubled by someone venting safely on the internet. But I would be interested in and grateful for well-intentioned comment from people who know the lay of the land. I would add links here regarding ombudsman corruption and the like but there are absolutely dozens of substantial sites and forum/ social media threads that any search engine would throw up for anyone interested, including interested in challenging their own assumptions.

Edited by id665310
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  • dx100uk changed the title to Complicated Housing Benefit issue - very flawed conduct by council

In my view it's a mistake to combine my two threads, and it feels at odds with what I'm trying to achieve and the focus of my newset post, which is five years later. It also makes the thread seem unwieldy. I am writing now specifically about corruption and its effects on me. In 2016 I was merely in the dark and anxious. Now I know almost too much and the situation is a serious threat to my health. Can we please arrange to have the threads re-separated.

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If you want to delete your account then it's not a problem. Simply send us an email message to our admin email address.

In respect of the language you're using, we are not happy about it.

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I've asked  admin twice and I'd already said I didn't like what you'd done with merging two threads which though they are interrelated are about a separate concern. I'm under enough stress because of what's happened to me, and where you purport to be some kind of supportive forum the way you've carried on with me makes the situation worse. I've been a quiet and patient person for decades and it's got me nowhere, just as following prcedure has got me nowhere. There are also peopl eon this forum givng false and glowing opinions of things like ombudsmen when they are just another limb of corruption.


Can yoy delete my thread and account please and think twice about messing with people's presentation of thei issues.



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