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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

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We are doing the whole we don't live at this address thing....

 

They tried to set the trap of having securemail try to deliver something that we needed to sign for to confirm that we live at the address but we didn't fall for that one.

 

We heard from someone that debt collection agencies have access to where you live on the council tax, is that true?

 

I was telling my girlfriend I shouldn't think they would put much effort in trying to get a debt that is under £50, but is this likely to ramp up to something in the hundreds or thousands?

 

We are a bit broke at the moment, and really didn't want to pay for a water bill from an old house that the other housemates didn't bother paying, any advice would be great!

 

Thanks

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We heard from someone that debt collection agencies have access to where you live on the council tax, is that true?

Thanks

 

:eek:

 

Ctax data... I would hope not! As far as I know thats not legal

 

DCA's have access to the public version of the Electoral Roll, if you register to vote then the data can be sold on.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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council tax register and the electoral roll is 2 different things.

 

Electoral roll anyone can access if they pay, council tax register no they can't.

 

Don't register to vote and you become more difficult to trace - however remember that if you are paying bills at your new address you have transferred from your old i.e. credit cards etc they can link your address on your credit file which again can be searched.

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yeah the council tax register (the same as being able to vote, i think)

 

Eeek, just done a google and it shows that the EROLL register shows voters @ a property and the CTAX register shows owners of a dwelling.

 

ICO approves council tax data share ? The Register

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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Eeek, just done a google and it shows that the EROLL register shows voters @ a property and the CTAX register shows owners of a dwelling.

 

ICO approves council tax data share ? The Register

 

S.

 

As that reads they would have to tell you that they are planning to share the data and who with - as the article is dated 2007 and so far I don't think this has happened maybe it has been dropped.

 

I certainly hope so

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As that reads they would have to tell you that they are planning to share the data and who with - as the article is dated 2007 and so far I don't think this has happened maybe it has been dropped.

 

I certainly hope so

 

Me too, Might query with my local council on who they share their ctax register with.

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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We don't own the place we're just renting, didn't register to vote, landlord pays water, gas and electric was top-up in the last place......

 

I think her name is only down to pay council tax and for her bank to send bank statements, no credit card only a simple current account with debit card.

 

Is there any way they can trace her? Maybe that's why they resorted to the securemail trick?

 

Thanks for all your answers!

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The bank will update your credit file and the bedt collectors will find it from there.

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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perhaps for £50 it would be a lot better to come to a payment arrangement with them of say £5 a week/month - do you want the hassle of them chasing you and the debt adding and adding for a relatively small amount of money??

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Is it worth searching a credit file for less than £40?

 

yep - they buy in bulk - the can access as many people as they want as many times as they want for a set fee so worth it really.

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