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    • Yes they are waking up to the fact that they  have over centralised stuff, and there is no proper local provision any more, Hancock is treating it as a National outbreak, not the many localised ones now  often centred around General Hospitals, as infection and reinfection agents. PHE PHW, and PHS have no capacity for any real localised Track & trace, having removed the Council Environmental & Public Health Departments out of the equation.  All they have is Hancock's busted App, and an army of badly trained call centre grunts.   Says care worker to old Mrs Jones, and  "you really need to install that app so they can see you aren't going out"   Mrs Jones gets out a cheap candybar feature phone, and says, "can't install apps on that  only phone and text, so don't need smartphone"   Interesting look at age demographic for smartphone ownership, is 70% age 55 -64 still low enough to dent Hancocks app effectiveness.   Other issue, many at risk homeless, low income also only have feature phones issued by care agencies or charities  People released on tag who are in hostels are often issued with something likea £10 samsung/Nokia/Alcatel candybar, 2G  non internet capable phone.   https://www.statista.com/statistics/271851/smartphone-owners-in-the-united-kingdom-uk-by-age/
    • By the way, the reason that you wouldn't proceed against Paclink is because they are out of the jurisdiction – in Spain
    • Good point, BN.   Changing the subject a bit, Directors of Public Health have written to the goverment expressing serious concerns about the easing of lockdown.   https://www.adph.org.uk/2020/05/adph-presidential-blog-a-time-for-steady-leadership-careful-preparation-and-measured-steps/
    • Thank you – and I understand that you didn't take out any compensation cover. You should read around some of the Hermes threads on this forum. I have always taken the view that once you pay for the delivery costs, then you are entitled to have the item delivered safely and if not then the delivery company is in breach – and in fact the delivery broker – Paclink is also in breach. I think it should be unnecessary for you to insure yourself against the breach of their service provider. It is the service provider who should insure themselves against any incidents of loss parcels. The Joe Lycett's got your back programme on Hermes was extremely useful. I notice that there are a couple of instances of it on YouTube. Of course they are in breach of copyright and it wouldn't at all surprise me if they are taken down at some point. I suggest that you make fairly urgent arrangements to get a copy of this program onto your computer because you may need it. It would not be a breach of copyright to produce it before a court – although the judge may already have seen it or have heard it. Have you actually began a claim against Hermes? I think you should begin their claims process immediately – but I certainly think that you should download a copy of the programme immediately as well. Of course Hermes will try to say that you are not their customer and that  their client is Paclink. Of course that is true. On that basis Hermes will try to say that they are out of your reach in terms of bringing a legal action because you are not party to their contract with Paclink. However, Under the Contracts (Rights of Third Parties) Act, where the contract is clearly intended to address you as a beneficiary and where your interests are not specifically excluded by the contract, then you inherit all of the rights of the contracting parties – as if you were a party to the contract. So I suggest that you begin the claims process against Hermes, download the programme so that you have got that safely stored away in your armoury and then come back here with the results of your Hermes complaint. I can predict fairly confidently now that you will have to threaten a legal action – and probably you will have to issue the papers. There is then a chance that Hermes may put their hands up – but on the other hand they may decide to test your resolve by forcing you onto the next step where you have to pay hearing fee. If you do that then they will start to take you more seriously and then they may put their hands up – but they may decide to go all the way and see you in court. Because you are a litigant in person – even though you would be the claimant, the case would be transferred to your local court. That would produce logistical problems for Hermes who would have to instruct a local legal representative and they would incur costs there. These costs will not be recoverable under the small claims rules because your claim would be for less than £10,000. If you won the case then you would get your money, plus interest – presently at 8% (a nice earner) plus your costs. Your risk factors are that if you lost, then you would come away empty-handed but also you will be out of pocket to the tune of your fees and you would probably have to pay for the reasonable costs of travel for the Hermes legal representative – but that would be it. On the basis of what you have told us, I consider that your eventual chances of success at about 85%. Hermes risk factors include having to pay you back the value of your item, having to refund you your court costs and your reasonable costs of travel – but more significantly for Hermes, a defeat in court where they try to rely on the fact that you hadn't bought a compensation package would send a good message across an industry which seems to have produced a culture going back there are 30 or 40 years where customers who pay their money now believe that they must also pay to insure against the negligence of their own service providers – two home have they have already paid the contractual price of performance. How this ever happened is a mystery to me.  
    • The concerns go beyond the ORG worries, the companies and people involved Serco, G4S, and Dido Harding don't inspire confidence in their ability to prevent data leaks to begin with. Be so easy to add a "Refused vaccination" flag, or refused ID Chip for unrestricted access to services.  in there.
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rosco1977

I'm in Cahoots...Not!!!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 5128 days.

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I sent a DPA request to Cahoot on the 26th April via snail mail. Received the standard email back from their complaints department saying they would look into my complaint and get back to me within 5 working days. I'd heard nothing until today when they rang me up for the first time ever to say that my account was £118 over the overdraft limit and that I would soon have my account put into default.

 

I said that I was waiting for a DPA request to be dealt with before I was willing to make any payments and discuss my account further.

 

The woman on the phone then said she would chase the complaints department and put me on hold to speak to her collegue. When she came back to me she said that they had sent me details of my BANK CHARGES via e-mail or through their online message system on the 12th of May. I checked both while the woman was on the line and and there was nothing. I then reinformed her that I had requested a full DPA and not details of my bank charges and I would wait until I had received this before continuing with the conversation further. She said she would chase up the complaints department to get this done and that I would have 10 days before my account goes into default.

 

I don't care about going into default as 3 of my other accounts have done so due to me making reduced payments through the CCCS and another one doesn't really make my credit score any better.

 

I stupidly forgot to take her name as the call took me by suprise. I thought I'd let know all this as it is interesting that they mentioned bank charges as a reply to my DPA (surely this presumption is illegal) and the fact that this call comes after I make my DPA request (I've been £118 o/d for around 3 months).


Barclays (DPA sent 26/04/06) owed £2515

Egg (DPA sent 26/04/06) - Awaiting Response

MBNA (DPA sent 26/04/06) - Owed £1102

Cahoot (DPA sent 26/04/06) - Owed £1160

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I got a letter from Cahoot today dated the 12th May (hmmm the envelope was franked on the 15th which is the same day I spoke to the lady above!!) saying that my charges total £1160. Why do these banks presume that you only want this information when you specifically request a subject access? This is the 3rd bank to do this!!!!

 

Oh well I'm going to start proceedings against them now. Then I'm going to re-request a SAR just to make sure they haven't been lying to me.


Barclays (DPA sent 26/04/06) owed £2515

Egg (DPA sent 26/04/06) - Awaiting Response

MBNA (DPA sent 26/04/06) - Owed £1102

Cahoot (DPA sent 26/04/06) - Owed £1160

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This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group


Barclays (DPA sent 26/04/06) owed £2515

Egg (DPA sent 26/04/06) - Awaiting Response

MBNA (DPA sent 26/04/06) - Owed £1102

Cahoot (DPA sent 26/04/06) - Owed £1160

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 5128 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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