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    • Hello Susan, welcome to CAG.   Hopefully Paul Walton will see this message and reply to you, but it would also be a good idea to start a new thread of your own so we can advise on anything else connected with your refund.   Best, HB
    • Hi there, sorry to hear of your situation but I have some excellent help for you, as unfortunately I have been in the same place at one point, owing more than £6000 in back council tax.   None of this is your fault, we are in the most serious public health and economic crisis for 100 years, councils are desperate to shore up their finances, unfortunately this means they are taking a rather blunt sledgehammer approach.  Right now, speaking to the call centre or recovery team is utterly pointless, I remember them sneering at me on the phone when I had no money to pay my rent. All it will do is get you nowhere and stress you out.   If you listen to me this can all be sorted out by tea time tomorrow, but before I explain, I need to make one thing clear.  You will not go to prison, end of.   So here is your course of action for Monday AM   1. Google your local Councillor and Elected head of council. Their mobile numbers and Emails should be on Google.  2. Ring your local councillor and explain everything, just as you did here. 3. If you don't get through to the councillor, leave a Voicemail and send an email explaining everything. 4. Ring up your GP / Consultant and ask for a medical note explaining what your illness is and all of the treatments with Side effects.   5. Google or ask for a copy of your local council's code of practice for collections.   Your councillor will likely be very concerned about poverty levels, and they have complete power to override  anyone in collections at the local council. Unlike the Finance team or call centre who probably don't care a fig.   Email to local councillor along the lines of   Dear XYZ   I am in a situation where I am unable to work because of my illness, and am now on Universal Credit, as I result I have fallen behind with my Council Tax. Unfortunately the demands I am receiving to pay up or receive a liability order I simply can't afford .  I understand the importance of Council Tax and know that finances are tight but paying this amount would mean not being able to pay my rent.  I hope you can understand the dire situation that I am in and would accept an offer of £x per month, to be reviewed after 6 months.  I am happy to send in any medical information from my consultant if needed. I look forward to your reply,   Kind Regards              
    • Thank you so much. I'll submit this tomorrow. I also visited the location yesterday, its 100 miles from my home. They've changed the signage, there's now a lot more small signs. There is an erected sign on entrance, damaged and the ANPR is actually fixed to the side of the burger king building.
    • Hello, I'm reading this as I have a similar problem - booking.com are refusing a refund and the accommodation are not replying to my emails. I have found the details for the CEO of booking.com but not the UK director of customer services. Please could you share this 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.
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      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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    • 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
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CARCRAFT: Am I too late to do Anything? Missold Useless Warranty

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Hi sorry for delay :)


I had both PPI and warranty added, but when the agreement came back from GE Money it was £186, I rang and, as far as I'm aware, cancelled the insurance leaving me with the Warranty to pay.


Had no new agreement paperwork on this.


I have another piece of paper which shows the payments as £128 that includes the trade in of mondeo (as £10!!!) but nothing on the main agreement which I signed,


Thanks post, just sitting tight for advice :) if you want me to put anything else on pb lemme know,


Jen :)

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trade in as ten quid

this is a smoke screen ive seen before


the trade in/ deposit value must be on the agreement


just waiting for more replies

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as you cancelled the warrinty, an adjustment was needed by the finance company

you would have to have signed a modified agreement or the current agreement is still in force


this is starting to smell bad

getting my teeth into it now

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i fell ge have messed up big time

they charged you for ppi but its noware on the agreement

thats why they never got you to sign a modified agreement

the trade in issue concearns me also

seems the sales rep was more interested in his commission

this is just the tip of there errors


i feel the only way you are going to get the correct intel is to do a sar on ge, the finance company


have you done that yet

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Hi there post,


thanks for getting back to me :)


I haven't done a SAR as yet because I wasn't sure if I could do anything, that is till I found this site :)


I think you're right about the seller just wanting his commisions, i wouldn't mind, but he said he would throw in 1year free road assistance (break down cover) but, as you can probably guess, that never materialized!!


Jen :)

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Gonna do a SAR on GE Money, before I do,

* would I word it along the same lines as when I sent my SAR to my bank?


* Also, how much do I have to send, and, finally,


* is there a specific address to send to?


Many thanks,


Jen :)

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