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    • Appears to me that the school will evidence that there was a contract in place as you paid for several years of schooling.  There is then a period when you were unable to pay the school fees and the argument is about the performance of the contract. Because the school could not provide the education services in the normal way, they will have provided adapted service, with remote teaching being provided using online video and electronically providing course work.          
    • I must say that I don't really understand what is going on with Packlink. They used to be based in the UK – then they folded up here and became based in Spain. This put them out of reach. There are often very difficult to deal with – but recently we've had two or three people who have dealt directly with Packlink and the full claim has been paid up. That looks as if what is meant to be happening here – except as you have pointed out, they've made you promises that they haven't followed up with the filthy lucre. I think it might be an idea to send them another email – with a copy to Hermes – telling them that you have received their promise but you haven't received any money and that if you aren't paid in the next seven days then you will commence the business of suing Hermes as they are in the UK and within reach of a legal action. Let us know what happens. In the meantime – get reading the Hermes stories on this sub- forum.  
    • Shares in Meituan slumped after its boss reportedly shared, then deleted, a Tang dynasty poem. View the full article
    • First of all I've edited your post quite substantially. This is been done to make it more relevant – but also to make it more accessible. It is unhelpful to us and to other people who read this thread to find solid blocks of text that we have to negotiate. At the end of your post you ask if you need to get yourself a lawyer. If you did manage to find a lawyer who is prepared to help you with this, it would properly cost you at least £300 an hour. I'm quite certain that you would present your story to them in an accessible way in order to cut down costs because they would be charging you for every five minutes they spent. Everything here is free – and so as already said, it's not helpful to oblige us to spend extra time restructuring your posts. I understand that you declared the value of £500 but eventually you went on to bring a County Court claim for £1200. I'm afraid that you won't be able to recover £1200. It is clear the contract was for the delivery of an item which you valued at £500 when you arranged the delivery. Unfortunately you have helped yourself because you have incurred County Court costs based on a £1200 claim and the maximum you will be able to recover in terms of costs will be a pro rata figure based on a £500 claim. You said that you expected Hermes to act in good faith. Why? I think it is worth standing your ground and telling Hermes that you are prepared to go all the way to court – but at the same time I think you had better tell the mediator that you are prepared to give up your claim of £1200 and to fall back on the contracted figure of £500. This might give some Face to Hermes as they will think that they have managed to secure some kind of compromise by forcing you to reduce the amount of money you are after. The truth is that you wouldn't be able to get £1200 anyway so you aren't losing anything by agreeing to accept £500. However you should certainly insist that Hermes pays your costs – but be aware that you will only be able to get your costs on a £500 scale and not £1200. You can also tell Hermes that you want interest at 8% from the date they lost the parcel. However this will be 8% on £500 and frankly it is unlikely to be very much. You haven't told us when they actually lost the parcel. Once again, the interest might be something that you would be prepared to give up in order to get your £500 plus costs. I think that will be your best position. I hope you won't mind me saying but that the way that you have conducted this claim so far probably has brought comfort to Hermes because they understand that you are not particularly sure of your ground and this will make them feel more confident. For this reason I think your best interests would be to disengage from this action as quickly as you can – but not for less than £500 plus costs on that scale. Back to the question you asked at the end – if it goes to court then should you get a lawyer? It is most unlikely that you will be able to find a lawyer who is prepared to take this on. It's too trivial and it wouldn't pay them enough. The small claims rules mean that even if you won your case, you would not get your legal costs back and as I've already suggested, you would probably be paying something like about £300 per hour. I can imagine that if you found a lawyer to take it on – and even if that lawyer lost the case for you you would be looking at a bill of £1500 at least. If you won the case, then you would get your £500 and you would still have to pay the lawyers fees. I wish you very good luck. I think you are in a good position if you are prepared to accept £500. However, do be aware that Hermes might quite recently ask you for proof of the value of your loss – and you better be ready with all the bills or other evidence. Please keep us updated.
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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
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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
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[NEED ADVISE] Student in need of help over student account debt


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First off id like to say thanks in advance for any advise which anyone can give me!

 

Ok so basically, ive just finished my second year at uni. When i applied for students loans/grants/student account in my first year, i was approved the loans as well as my student account with natwest and was refused the grants, as at the time i was living with my grandparents, and the reason they gave me for refusing them was because my grandparents were not my 'legal guardians'. The loans were a great help, as well as the overdraft, but they barely covered my rent, so i had to look elsewhere for help. I ended up taking out 2 more student accounts with overdrafts. I ended up using them both up throughout the year, and continued using my natwest as my main account.

 

Now at the end of my second year, i have had both abbey and RBS on my back wanting there money back which is fair enough, BUT rbs have called me on many occasions and i have simply let it rang. Anyways is got to a point now where Abbey are now charging me for being 'overdrawn' and RBS have sent my details to there debt collection service 'Triton'. Triton have gave me 5 days to reply to the letter by phone, but i simply cannot pay ANY of the debt back at the moment. Ive tried my best to look for summer jobs but as many know, its very hard at the moment. All im really asking today is advise on what to do next, i.e. do i ring them and explain the situation and hope they have a heart? lol or anything else? trust me any advise is good advise for me at the moment.

 

Thanks again.

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Triton is RBS in house debt collection agency. With student accounts, just paying in a little bit if you are within the overdraft is good enough to keep the account going.

What stage are you with on your university studies?

Did you look into Hardship funds through your university?

  • Haha 1

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Triton is RBS in house debt collection agency. With student accounts, just paying in a little bit if you are within the overdraft is good enough to keep the account going.

What stage are you with on your university studies?

Did you look into Hardship funds through your university?

 

Yep...Hardship funds is a great shout. They'll be someone at the Uni who

will deal with this with you. Make an appointment with him/her asap. It's doubtful you'll get anything semester, but if yo uwish to continue your

studies, they'll be able to help you.

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Just hate every DCA out there

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Just finished my second year. I had a friend who got something from the hardship fund, but was in the region of about £100, and although thats a good amount of money, it wouldrnt of helped me towards any of this debt.

 

So if i was to ring triton and arrange for a payment plan, they would not ask for much? I been reading online abut them and it seems to be the opposite of what people are saying lol

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Just finished my second year. I had a friend who got something from the hardship fund, but was in the region of about £100, and although thats a good amount of money, it wouldrnt of helped me towards any of this debt.

 

So if i was to ring triton and arrange for a payment plan, they would not ask for much? I been reading online abut them and it seems to be the opposite of what people are saying lol

 

Be aware that NatWest/RBS are connected as they are within the same group of companies as well.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Just finished my second year. I had a friend who got something from the hardship fund, but was in the region of about £100, and although thats a good amount of money, it wouldrnt of helped me towards any of this debt.

 

But each 'case' is treated on its own merit - Someone I know who was in less worse situation than you are got a £500 hardship grant from uni (last year).

Just hate every DCA out there

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But each 'case' is treated on its own merit - Someone I know who was in less worse situation than you are got a £500 hardship grant from uni (last year).

 

fair enough i will look into it next year.

 

Thanks for the comments everyone, im going to ring the triton tomorrow and see what they say.

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