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    • If you were paying a solicitor up to £300 an hour and they asked you that question I'm certain that you would provide the information immediately without mucking around – apart from anything else to save yourself money. We are doing it for free but the value of the help we are giving you is the same and I expect that the quality of the advice we give is at least as good and probably better then you would receive from a professional solicitor. In order to give you some advice in a way that takes you forward and at the same time protects your interests, we would prefer to have as much information as possible and that includes understanding the extent of the damage for which you would like to claim. You have already started out suggesting that some of the items or property which was damaged were not new but yet you wanted to have new for old compensation. It's already been made clear by myself and by my site team colleague @Ethel Street that this probably wouldn't be possible that we would now like to explore further the nature of the items which were damaged and the recoverable values of those items. If you'd prefer not to provide us with that information then maybe you could just come out and say so. I'm not really sure why it should become an issue.
    • Thanks - I have started enquiries and will let you know how it goes!
    • "I've suggested twice that you list up the items which were damaged and costs and so far you haven't done that. I'm not sure why not." Cheers I've no problem posting up the list of damages but curious why this is relevant? 
    • Summary of Camerons being pulled up before the school board for getting caught:   1. He wanted to work for a fintech rather than a bank, but none of either would have him so he went to work for Greensill   2. Yes he lobbied desperately for taxpayer and NHS money while the firm was collapsing back into its natural state puddle of poo and wee, but he was refused - so no fault eh?   3. Would he do something different? - yes he would have picked a wind and piss ponzi company that would pay him loads of money that wasn't quite so close to collapse so his lobbying efforts would have more time and the issues be less obvious, so he would get the bucket loads of money promised him.
    • I've suggested twice that you list up the items which were damaged and costs and so far you haven't done that. I'm not sure why not. In terms of the liability of the gardener, it seems to me that there is a (negligence) duty of care owed by the person who was on your roof and I don't think there is any problem in establishing that. The fact that you are in Scotland doesn't pose any special difficulties – although in terms of the court procedure for this, this is something that I'm not especially clear about and frankly I think this website is a little weak on Scottish procedure. However, we will help you and it seems to me that your action is definitely against the gardener/person who was on your roof. In the event that you won't able to enforce the judgement against that person then I don't think they would be much difficulty in enforcing the judgement against the insurer because under the Contracts (Rights of Third Parties) Act 1999 you enjoy third-party contractual rights unless they are expressly excluded by the insurance contract – and that is unlikely to be the case here. I think the first thing to do would be to establish the liability of the gardener. Once the gardener realises that you are going to be pushing ahead with this claim, I would imagine that they would refer to their insurer pretty quickly. Of course that won't necessarily solve matters. You will find that dealing with the insurer is a slow business and they will try to reduce the size your claim – but we will help you deal with them as well. No point in standing any nonsense from an insurance company.
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    • 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
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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
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Amanda V Preferred Mortgages

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I've sent off my DPA Letter requesting list of transactions and charges, including ERC, unpaid DD's, arrear charges etc. Also, asked for copy of management account fees quoted at the time of taking out mortgage and any manual intervention information.


It's been over 40 days now (just) and I've not received anything.


I did speak to them last week and they told me they had sent it to my old address!!! But I still havent' received a new one....

I know I can send the DPA Non Compliance template letter but was wondering as they haven't complied with the DPA - should I also inform the ICO. If so, is there a letter I can use??


Any guidance appreciated!


Data Protection Act Letter - 06/08/2006

Statements rec'd 14/9/2006

Preliminary Letter sent - 27/9/06

LBA - 18/10/06

Claim with Court - 31/10/2006

Got until 14/11/06 to acknowledge.

7/11/06 Received ltr offering full settlement minus

interest + court costs

12/11/06 - Rejection sent

17/11/6006 - Natwest Acknowledged

4/12/06 - Rec'd Natwest Def (Cobbetts)

5/1206 - Rec'd partial offer (Cobbetts)


Data Protection Act Letter - 06/08/2006

List of charges rec'd - 04/9/2006

Prelimary Letter sent - 06/09/2006

Response - 'fully investigating' - 11/09/2006

Claim with Court - 20/10/06

Acknowledged - 20/10/2006

Defence by 17/11/2006

AQ to be returned - 11/12/2006

Court Date - 14/02/2007



**SETTLED IN FULL** 3/11/06

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