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    • Hi slick!    On 22 July they said they would refund me £74.07 Theres no DD in place as my membership was a once off payment in November last year.  Hi Dx,    I paid through PayPal last year as a one off payment. 
    • I'm trying to understand it all but I certainly tend to agree with my colleague @dx100uk that it looks as if you may have been taken for a ride. You found an advertisement for a bag on an online sales site. Instead of going through the established procedure of that site, which presumably allows them to recover a commission from the seller you started dealing directly with the seller who is an unknown person to you and of course that allowed the seller to avoid paying the commission. At whose suggestion was it that you went off-site? You then pay by PayPal but instead of logging it with PayPal as a payment for a purchased item, you tell PayPal that it was actually simply a gift or transaction between friends and family. This also allowed the seller to avoid paying a PayPal fee on the money. At whose suggestion was it that you paid in this way?       I don't say that you definitely have been scammed, but it doesn't look very good. This is how it might have happened: after you agreed to take the transaction off-site, so you lost the protection of the established system – and the seller avoided the commission and also avoided the sales site knowing that they had sold their item, you then agreed to pay the seller some money – but not for a purchase – simply as a gift. This has two consequences. Firstly, the seller avoids a PayPal fee and secondly, because PayPal has been misled as to the purpose of the payment, you lose the protection of PayPal if it turns out that you've been scammed or there is some other problem with the transaction. The seller then apparently sent you the parcel and they sent you pictures of a package with your address on it. Separately they sent you a Hermes tracking number – but there is no evidence that the package was actually posted to your address. The seller might simply have taken a picture with your address and sent that to you by way of reassurance – and then changed the label and posted the parcel to themselves but sent you a tracking number which is inaccessible to you and in respect of which you will be prevented from getting any information. All you've seen is a parcel with your address on it. All you've been given is a tracking number which satisfied you for a while until the parcel did not arrive and then when you started to make enquiries, you found that you were unable to access any details referring to the tracking number. Of course the tracking number says that the item was delivered – because maybe it was – but in that case it was delivered to the address on the parcel which might have been the seller's own address – or the address of a friend. I don't want to say that this is definitely how it happened, but it is a plausible scenario. Of course Hermes is an awful lot of parcels – but on the other hand I expect that most of the parcel is that going to Hermes hands are delivered successfully. We only get the bad stories on this forum. I can imagine that Hermes rate of successful deliveries is better than 97% because otherwise people wouldn't simply just hate them, they would go out of business.   We can help you bring a complaint against Hermes if you want. However, on the basis of what you say, the odds are stacked against you but it would be useful to try and find out the address which was associated with tracking number. As far as your apparent willingness to travel hundred and 50 miles to ask for your money back, don't bother. If you did actually go there, are you sure that the seller actually lives at the address that you have been given? What evidence do you have that? Of course if you found that the seller didn't reside at that address then it is slamdunk that you have been scammed. But then what are you going to do? You can try to inform the police but of course it won't get you anywhere. You can inform the sales website – but they will say that you brought it on yourself because you agreed to go off-site. You can inform PayPal – that they will say that because you sent the money which was calculated to avoid their fees, you have lost the protection. If you travelled the 150 miles and found that the seller did reside at that address, do you really think that they are going to hand your money over to you? If they are acting dishonestly then they will simply say that it is nothing to do with them, that they addressed it all correctly and they don't understand what has happened and that this is simply Hermes up to their old tricks. What are you going to do? You simply risk getting into a very nasty argument and depending on how bad it went, you might even find that the police are called and I'm afraid that they would be looking at you – not the seller. Maybe you can answer the questions that I've post above as to who it is who initiated the various ways of doing business.    
    • The legal campaign's going well then. The recount in Wisconsin gave Trump more votes but Biden even more, at a cost of $3m. And a donor to the organisation bringing the failed cases is suing to get his $2.5m back.   https://www.theguardian.com/us-news/2020/nov/28/joe-biden-gains-votes-in-wisconsin-county-after-trump-ordered-recount
    • Yes Unicorn feed tax again, can't sue the keeper for more than the Original Charge, so any additional Debt Collection fees aka the £60 they add is abuse,iof process as per HHJ Harvey at Lewes county Court What lookedinfroinfo is indicating is that the main signage on entry and dotted around is merely an " Invitation to Treat", not the offer, the Offer and Acceptance occurs at the payment machine, so wording there is key.
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My wife and i applied for a loan with this company as their site indicate on their main page that they can help..


We payed the brokers fee of £55.00 as asked and we thought we were dealing with Wentworth directly, but recieved a letter from a 3rd party indicating that they will be dealing with the loan and it was not the agreed amount of repayments as theirs was £20 more than Wentworth which we had agreed a term of repayment.


Now checking our online bank we have realised that Wentworth have deducted 2 payments of £55.00 on the same day.


It states in their terms and conditions "You are entitled to repayment of this fee. You the client can request this in the event that a credit agreement is not forthcoming as a result of our original introduction"


We have decided not to persue the loan application due to this other transaction being taken from our account. after being put on hold for 64 minutes on the phone and it also states that they have their lines open until 10pm which is also not true we are having problems contacting them via the phone and have now contacted our Bank to refer this as fraud on our card..is this the correct procedure, help would be grateful as i will be back on the phone again in the morning

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Who Is The Third Party


The Plot Thickens





Edited by postggj
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The third party company are "Parkfield Financial Services" also known as Ralph Marlon Ltd. when u call Ralph Marlon's number they introduce them selves as Loan Help line

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The third party company are "Parkfield Financial Services" also known as Ralph Marlon Ltd. when u call Ralph Marlon's number they introduce them selves as Loan Help line



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Parkfield And Wentwort Both In Gravesend

This Smells


Ralph Marlon Ltd Has Not Filed Any Accounts

Smells Even More


Ill Get Back Tommorow When I Check Out The Freepost/po Box



Do You Have The Feeling Its The Same Chap In Disguise

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The heading on my letter says



In Association with


Ralph Marlon Ltd (Personal Loans)


Then the address i posted earlier



Also states on the letter that they can be contacted between 12pm - 8pm which is also not true as i had to leave a message, but my main concern is the £110 debited from our account by Wentworth is this not fraud on the second transaction ?

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So send Wentworth the letter or Ralph Marlon, as i am not dealing with Ralph Marlon at present as i still have the Application form at home, its Wentworth i want the money from, so this suggestion of a letter should go to Wentworth

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Its Def Wentworth

Its All The Same Merry Go Round

The Cash Goes Back To One Person


Its Wentworth Who Started This

Go For Them



If They Debited With In The Last Few Days, Contact Your Bank For A Charge Back

Tell Them Its A [problem]

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Contact Your Bank Tomorrow


There Is A Chance They Can Recall The Payment From Wentworth If Made On A Debit Card


Thats A Point


If Made On Debit/credit Card,

Get A New Card Asap

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Update letter sent today from HSBC


Thank you for your e-message received 1 June 2009.


As requested, I have initiated a dispute on the above Maestro transactions which debited your account on 28 May 2009.


Please keep this reference number : 2850254 and 2850256 for future reference regarding this dispute. I confirm that you will be contacted once the matter is resolved.


Should you have any further queries, please do not hesitate to contact us.



Kind regards

Anantha Gautaman

HSBC Internet Banking Customer Support

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hi my wife paid the £55.00 to wentworth can she cancel it with her bank the hsbc as it was not actually debited till monday just gone oh and while we are on yes finance wanted £69 from her but after reading the reports she backed away from both and she has no adverse credit.

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