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    • 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 
    • Thanks for all the feedback.. I'll add the suggestions to my WS and repost by next weekend.. I plan to send it no later that the first week of Feb as I don't want it to be late.   Just need to work out where to insert the extra bits.   Regards Tom
    • So in  a way, it isn't as bad as actually having a default?   Because if, as you say, it won't affect my score anymore as its already six months late, but also a default would be worse in the sense other lenders wouldn't look kindly to it, and it won't knock as much points off my credit file.
    • Hi Vic and welcome to CAG   It gets quieter here over the weekend so please be patient.   If you live in England or Wales, read this thread - https://www.consumeractiongroup.co.uk/topic/357877-you-have-received-a-court-claim-issued-in-england-wales-what-you-need-to-do/     Follow the instructions, copy the Q's and paste them to a post below and give your answers.
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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

BANKACTIONGROUP IT IS WORKING


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I received an email from Next Directory and it states

 

 

"We will charge you a late payment fee of £5.00 if your account is two months in arrears" which is reasonable

 

The fees used to be in region of about £15.00 - £20.00 for every missed payment

 

 

KEEP UP THE FIGHT

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It is more reasonable but if it exceeds the actual cost then it is disproportionate and is invalid.

 

Still a substantial improvement.

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The email was sent dated 20/03/06 but will effective from the 14/04/06

 

 

 

 

FULL TEXT AS RECEIVED

 

New changes to the terms and condition of your next account.

Advance payment

 

 

We will charge an advance payment of £3.50 on first order.

 

 

We will charge an advance payment of £3.00 on first order.

 

 

We may ask you to pay £3.00 in advance when you place your first order.

 

Key Information

 

 

Default Charges

 

 

Will remain unchanged

 

 

The following will be added:

 

We will charge you a late payment fee of £5.00 if your account is two months in arrears.

 

 

You will be charged £5.00 if you have not paid the amount required on your account for two months.

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This is still invalid as a late payment penalty, as it costs them nothing (certainly not a fixed fee) to administer a late payment they haven't received.

 

They should, surely, be saying that 8% will be charged once you are two months overdue.

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But if I buy a pair of socks and put it on the card, and then don't pay on time, what have they lost, apart from the interest? What is the fixed fee for? :?

 

I agree that it would be uneconomical to sue for each breach, but these principles are always tested at the lower limits. :wink:

 

Mind you - we should not get sucked into a game where the banks insist that we come up with a solution. That's their responsibility, as long as its legal and fair.

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If anyone from Next is reading.

 

Tomorrow I will be cancelling that nice glass table and chairs I ordered.

 

You just an lost an order for over 1.2K, suggest you change your view of a customer.

 

My conservatory will just have to have plants.

 

d.

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If anyone from Next is reading.

 

Tomorrow I will be cancelling that nice glass table and chairs I ordered.

 

You just an lost an order for over 1.2K, suggest you change your view of a customer.

 

My conservatory will just have to have plants.

 

d.

More space for Strelitizia?

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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