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    • Government officials are advising UK companies to set up shop in Europe to avoid problems with red tape and taxes. Unbelievable.   Was Brexit meant to create jobs in Europe?   https://www.theguardian.com/politics/2021/jan/23/brexit-hit-firms-advised-government-officials-set-up-shop-in-eu
    • How are you getting on, labrat?
    • So at £48 per sq m, did that include underlay and/or fitting.   1. In which rooms/hall, etc was this fitted.   2. Where abouts has the "damage" occured.   3. How did you pay for this ?  If you paid by credit card or with credit from SCS, this may affect the options you have if the carpet is faulty.   SCS's own assessor is unlikely to find in your favour. Similarly, if you seek intervention by the Furniture and Home Improvements Ombudsman, they tend to find in favour of the store (who funds them) rather than the customer.   Come back with answers to 1, 2 & 3 please.
    • the only downside of not having a default registered and showing in the overall status of the debt is it's not 100% guaranteed it will (as it should) vanish on its SB date, you might have to chase that. but in your position, you've not moved, the bucket of 6's and on going 6 if you look hasn't made your score progressively decrease each month  either as it shouldn't.   just remember other creditors potential or existing cant see the calendar section of any debt unless they own it. they can only the status line of each 'account'.   HTH    dx      
    • Thanks for the replies. Have received another letter from LL solicitor, same form for secure tenancy notice of seeking possession. Now they have removed ground 10 and left grounds 3&4. am lining up an appt with a solicitor next week. All a bit strange as we had the fair rent agreed as a regulated tenancy. The LL has been through so many solicitors now it’s a struggle to keep up.   one other thing,  neither NOSP have been sent via registered or recorded post. The letter we have received (email only at this point) is comprised of a cover letter with ‘Without Prejudice’ at the top then a copy of the NOSP.  Does it have to be registered post in order for the notice to be seen as served?   will post back after solicitor appt btw cheers 
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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

Yes Yes Yes **first Win From Kensington!!!!!!!!!!**


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Hi all

Firslty nasrcity good luck with solicitor meeting let us know how it goes.

 

Secondly has anybody tried writing to the head man at Kensington to see what he thinks of all the goings on and there absolute refusal to accept any reasonable offer. It seems I may have to be going back to court for my mortgage this time(escaped repo in Feb for loan they also have after court hearing)I wrote to them earlier this month and they claim they have not receved it, my own fault as i didint post it recorded. I offered them £60 a month towards arrears and they have come back with the usuual not enough and would take too long. I fed up with this now. I want to sort this but they wont let me. Do we think a judge will be sympathetic again.??????

 

I am re sending the letter this time recorded so I was wondering if it was worth sending one to the head man aswell.

Sorry i now this is still using an old thread but you all seem to be around on this one.

 

Regards

Olives

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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hi olive

just got back from solictors . she said i will lose the house because i cant prove that i can pay anythink back till income support kick in sep08. but i have a small private pension which is going up by £20 per week in april so that will knock out the income support then . so there is no way we can afford to pay them any or arrears mortgage so the next move is the council which she says they have a duty to rehouse us and keep the bidding going on the houses coz we will be able to get one . but im sorry the evil crew are gonna take u back to court they realy know how to stick the knife in . i did hear somethink abt someone writing to the head of kensington . that was back in nov and they where still awaiting a reply after sending 2 more letters . lets all keep our chins up if thats possible i will just be glad when this nightmare is all over now nasrcity

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That is terrible nasrcity. Please carry on the fight. There has to be a way. They havent taken it too court yet so you do have a bit of time. Start a new post and title it "solicitor says they will take my house" or something like that. Then ellen will see it and be able to advise you more. She is fab. Its not over yet.

 

Regards

 

Olives

Next Directory £215 NO CCA ***WON***

 

Littlewoods Visa*** WON ***

 

Littlewoods evenmore£496.47 COURT CHARGES£296.84 PPI £575.52

Littlewoods LX £0.00 COURTCHARGES £327.68

Choices for you S.A.R owe £362.02

Additions Direct £1400 NO CCA

 

HUBBY

Bank of Scotland Prefernce account £296

Capital One £300CHARGES£1135 TAKING COURT ACTION

 

also owe big to

Bank Of Scotland £10000 sending cca reqest

British Credit Trust £6000

 

Fighting For Family

MUm,***WON ***Barclays for hardship just need to get the last little bit. Chasing LLOYDS TSB for hardship

Bro, HBOS PPI mis selling ***WON***

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hi olive thanks for ur support . i realy feel it has come to rock bottom for us now as long as i get well again the house is only a small thing . i know what ur saying fight for it but i also just phoned another solictor and he said the same as the first one . but if i could find a way i would ill let u all know how i get on . maybe a miracle overnight might just save us

regards nasrcity

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hi all just to let u know just had kensington on phone told them i have been to solictors yesterday . the girl didt seem to pleased . my arrears now according to them are nearly £1900 and all beware if they phone u after 5pm they will charge u £3.00 for every time they ring u also added to your account so i told them well phone b4 5pm them . she said its in the t&c they can phone between 8am - 8-30pm . i then told her if u phone me after 5pm i will refuse the call and ask u to phone next day b4 5pm so at end of feb i owed 796 then if u add the 548 on for march mortgage so it looks like they have charged me 566 in there charges so all beware regarding there after 5pm phone calls nasrcity

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