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    • Please take note: I got 2 tickets for 32  miles in a 30 zone on different days.  The police said its their policy to ticket anything over 30!!   I had to pay £100 for one and do the course as well.  Even as a disabled driver there was no give on the tickets. Please stop saying that it has to be 35+ it really does not. West Midlands police in Nuneaton so definitely dont go 1 mile over in that area.  
    • New figures from the Insolvency Service show that early termination rates of IVAs have dropped 11% in the past year, while total IVAs have risen by almost 20,000 in the past two years. View the full article
    • Amigo Loans has posted an £87m loss for the nine months to December 31 2020, a 289% drop on the same period in 2019 View the full article
    • I've had a brief look over the thread and I see that there principle point is that he didn't take out insurance. Your answer to this is very simple – that it is absurd that you are required to pay to protect them against their own negligence or criminality of their employees or the people who are acting for them – in this case, Hermes.Your point here is that any requirement that a customer is required to pay extra to protect against the breach of contract is unfair within the meaning of the unfair terms provisions of the Consumer Rights Act. Please have a read of the unfair terms provisions of the Consumer Rights Act. In In particular, after you have read the sections within the act itself, get a schedule two and you will see examples of unfair terms. These are nonexhaustive which means that they are simply examples and lots of others can be added. An important point is that it forms a significant imbalance between your interests and their interests. They are using a standard form contract which is nonnegotiable. There is no competition because all the courier industry are doing this so there is no opportunity for you to go elsewhere and get a different type of deal. You will need to point out to the defendant – through the mediator – that included in the unfair terms provisions of the Consumer Rights Act is a provision that gives the court the power – in fact a duty – on its own initiative to examine the fairness or otherwise of any term. Point out to the defendant that if they want to go to court then you are happy about it. That you will then raise the question of unfairness to the judge and also you will invite the judge to look at the entirety of the contract and to pronounce on the fairness or otherwise of the contractual terms. Tell the defendant that you expect that the judge will decide unequivocally that a term of the contract which requires the customer to pay extra to protect themselves against the service providers breach of contract is grossly unfair – and in fact it is ridiculous. Basically they are saying "pay us to deliver your goods – and pay us extra if you don't want us to lose them."   Explain to the defendant that you are fully aware that this is a culture within the courier industry which has developed over 30 or 40 years or more but it's not acceptable and that when you get a judgement in your favour which confirms that the term is unfair, (as will surely happen) that you will then make sure that copies of the judgement find their way all over the Internet including social media that is concerned specifically with complaints against the courier industry and then the game will be up for the loss of them. One the mediator to tell the defendant that once you get this judgement, not only will people be claiming for ongoing lost items, but they will also be claiming retrospectively for legitimate claims which have been rejected on the basis of this unfair term. Make it clear to the mediator – that they should tell the defendant that you're not dealing with very much money here – and you are prepared to risk it all in order to go to court and to demonstrate this principle. If the mediator says that you should compromise then you should tell the mediator that if the defendant pays up in full – including costs and interest – that they will then be spared the problem of going to court and getting a judgement against them which will result in the loss of millions of pounds in the future. Tell the mediator that this is the benefit to the defendant and you are not prepared to hand them any further benefit if it means sacrificing a single penny of your claim. Tell the defendant to take it or leave it – you are happy either way.   It is very important that the defendant understands that you don't care either way whether you settle now mediation or goes to court. The defendant as a huge amount to lose if it goes to court. You have very little to lose  
    • Firstly I am disabled and have brain fog so can forget anything.  Today I went online to check when the MOT is due as just had to renew my car insurance and know it comes quickly after that. I was shocked to see my car was flagged as NOT TAXED.  I have had disability tax for years so dont even have to pay. After ringing DVLA I eventually found out papers had been sent to my old house which I left 3 years ago. With the stress of moving etc I never changed the car address but did change the address on my licence as that is correct.   Now I am worried I may have picked up a speeding ticket sometime in the 3 years and also maybe recently on a day trip to London (2 miles too fast coming out a tunnel). The old house is 150 miles away so cant pop in and no idea who lives there now. Thats how I got caught out with tax as they sent the paperwork there to renew. The lady renewed the tax easily on the computer for me which I was so grateful for and backdated it to 1 Feb. Can anyone tell me how I can find out if there are any tickets out there in my name that I know anything about please? I have had a really awful week with so many problems and this is now really making me feel sick so dont want to worry for months to catch up with me.   Thanks  
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
      • 33 replies

Digital Signature Guide


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I am going to explain how to embed a digital signature into your documents.

I'm going to assume Microsoft Word is used for the purpose of this guide.

 

There are 3 main ways of doing this:

1, Use a signature creator.

2, Use a suitable font.

3, Scan in a real signature.

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1, Signature creator:

First we must create the signature.

Two websites provide this free of charge. The easiest to use is My Live Signature.

Vletter gives more authentic signatures but requires a little knowledge to use. For beginners I recommend My Live Signature.

Once you have created one you are happy with save it somewhere safe on your computer. To save the signature from a webpage once created just right click the image and select "Save As".

You should now have something that looks like this:

017BDF30A1E94DE635EC0D5058DD0787.png

 

Now we have the signature we can insert it into our document.

In Word go to where you want to insert the signature.

Then go to: Insert, Picture, From File.

Then it's just a case of selecting where you saved your image and positioning it in your document.

 

 

Demo1.jpg

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2, Use a Font:

Using a font is fairly easy but doesn't quite have the feel of a made signature. You can use one provided in word or you can install one.

Here I will show you how to install a font that's suitable.

First you need to find one. I recommend Free Fonts as a good place to start.

Once you are happy with the selection download the Zip file and extract (for beginners the root C: drive is easiest) and remember where the extracted file is. For this guide I will use Parquet, Size 24.

Go to Control Panel.

Go to Fonts.

You will see a window with loads of fonts in. Go to File at the top.

Go to Install New Font.

Now open up Word and you should be able to type with your new font.

 

Demo2.jpg

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3, Scan a signature:

Scanning a signature means you can have a totally authentic look and feel and also enables you to make letters for other people without then having to sign them each time.

It is your choice whether or not you use your actual signature.

First you need to scan the image.

This will vary depending on what scanner and software you are using. I would recommend getting help or reading your appliance documentation for the actual scan if you are a beginner.

When you scan you should select an area just bigger than the signature as the whole page is not needed. I would use BLACK pen as well preferably with a large tip like felt.

If you have a paint programme such as Paint Shop Pro you can Import it straight into the programme using Import TWAIN and then Aquire Then it's a simple case of editing and saving.

I save as jpg as nearly all programmes will recognise the format.

Here is the scanned signature.

 

Demo4.jpg

 

I've deliberately kept it big so that if I need to reduce it I don't lose too much detail.

Save it somewhere you will remeber like "My Pictures".

Now we have the signature we can insert it into our document.

In Word go to where you want to insert the signature.

Then go to: Insert, Picture, From File.

Then it's just a case of selecting where you saved your image and positioning it and reducing it in your document.

 

Demo5.jpg

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And last a Bonus.

If you truly have to use your signature, create a way that it would be hard to copy.

One good way that was recommended is to use a shaded text box. Especially if you sign over the edges.

To make a shaded text box in word:

Go to Insert, then Text box.

Move the cursor over the chevrons on the outside of the box and move the box to the desired location. Double click the box if they don't show.

Resize the box as required using the little circles on the chevrons on the outside of the box.

Double click the chevrons and a new box pops up. This allows you to enter the background colour, line colour and thickness.

I have used a standard box with a FILL COLOUR of -25 GREY.

 

Demo6.jpg

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Lovin' it!

 

1363C0C8E45D6833D7667671BC9E0715.png

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If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

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