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    • Thanks for this update. Obviously I'm very pleased that your guitar has been delivered and that you don't have to take any further action about this. On the other hand, I'm slightly disappointed because I was hoping that this might be an opportunity to deliver a serious slap against Hermes. Anyway, who knows why it happened like this – but the most important thing is that the item has been delivered and you're not out of pocket – and also probably you have learned a good lesson – don't use Hermes – or Packlink. It's a recipe for trouble.  
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    • I have debts of my own and will sort another advice separate for them as now I’m not working and a full time carer for wife & daughter I’m struggling to pay them so will want advice on letters to send them for reduced payments etc But for now I need to know what to do about PayPal as its really making me worry and is making me ill but ive got to try be strong and put on brave face for wife & daughter I dont want them picking up on something is wrong & worrying me
    • Help & Advice wanted on PayPal debt please I had someone staying with me for a while before they moved away and they had access to my PayPal account and was buying a few things and giving me the money no problem but then unknown to me until it was to late they had a gambling problem also and last off used my PayPal to fund online gambling . They ended up using £5,000 through PayPal and the first I knew was when I went to do some online banking and seen £1200 went out of my bank for PayPal so I looked straightaway and stopped / cancelled my bank letting PayPal take from my account . Then I logged on to PayPal and seen transactions 1 after another this going to total the £5,000 so I unlinked my bank & cards from PayPal account . Then nearly 2 weeks after I started getting emails and messages saying my account was in negative balance for £3,800 because they already had the £1200 . I’m in a bit of debt anyway and struggling so for this to happen left me feeling very ill to find they have spent thousands and left me without anything no money to live on or feed family even at the time as that £1200 that was took out of my account was all I had, I’m very annoyed and feeling very mad and very ill. Ive no idea how I can put this right as got no work no money because My wife got struck down with illness and disabled and I also have special needs daughter so I’m now a full time carer for both wife and daughter . I need to sort this but dont know how or best way to go about it. Ive had emails from PayPal and ive replied and explained plus went on live chat etc and asked for it to be logged and for them to please come to some payment agreement even though I cant afford it I know I got to put things right somehow but had no joy in chat and was just told pay into PayPal what I owe. So again I get emails and I reply but not getting any reply back to my emails . Ive not told my ill disabled wife about this right now as it would push her over the top and make her more ill thinking about it and its her Nephew to top things off so I know it would destroy her . Ive tried talking to someone with PayPal in live chat etc and emails as said asked if it can be logged showing ive been in touch regarding this matter and need to try sort it and also asked for them to contact me in writing so hopefully we can come to some sort of agreement to put this right but so far its been about 31 days now since account been in negative and ive had no phone calls or letters from them yet So what can I do and whats best way to deal with this I’m trying to pursue the person for these funds as we speak but know I’m not going to get anywhere
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fredericks international (debt for talk talk)

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I really need help with this situation as i really dont know where i stand with all of this!!!!!


I moved out of a property in 04/08 which still had a live account with talk talk broadband that my father (whom is still at the property) said he would take over the account in his name. i was forced to leave the property due to disagreements with personal agenders but kept the line open for his business.

I opened a password with talk talk to enable my father to call them with it to confirm that he wanted it changed. This did not happen as he was more than happy to keep this account in my name (and let me get in debt for it) originally this account was not cancelled as we were on good terms and was happy to transfer it to his name rather than myself having to pay a £70 cancellation feen aswel as being homeless!!


I requested 3 times for talk talk to send 'transfer of account holder' documents out to that address as the account was constantly not being changed. I had told talk talk on each occasion that i was not prepared to pay any debts from my direct debit as i was no longer there and could not afford the cancellation fee hence why i asked them to change account details, they would not accept transfer of account holder information over the phone???


A year later i have now been given a letter from my father (a rub in the face??) showing a debt letter from talk talk of £124 STILL IN MY NAME


I then received a phone call at my mothers address from fredericks interntional (I dont know how on earth they got my mothers number) telling me to settle the debt there and then on the phone. I refused to talk to them on the phone and briefly explained the circumstances. He advised it would be ok to give my fathers infromations via email to try and sort it. A week later another call from the same gentleman asking me to pay the debt staright away and that nothing can be done as the ccj will go on to my name and then he threatend me with court, quite intimidating on the phone! I told him i would be taking no action on the matter until i looked further into it. He also said that 5 letters were sent to that address but no response. I told him how should i know when i dont live there??


I called talk talk and they were not helpful at all. They told me it is my fault and i should speak with my father


I questioned my father straight after to why no payments were paid after april 08 from when i moved out of the property and he is denying everything. He has told me that he tried calling talk talk but no help, (even though i gave him the password) and is accusing me of spending imaginary money! i have had no contact wih my father after a last payment was given to me in april 2008 of £60 and have witnesses that i have had no other contact with him regarding this.


Please help me as i really dont want my father to get away with this, he is a very vulger man that tends to get away with tax, national insurance, rent, council tax the lot!! and i intend for him not to get away with this.. please help!!!! thank you x

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the ccj will go on to my name and then he threatend me with court


Absolute codswallop! You will not get a CCJ for a piddly little pocket money amount of £124. So you can laugh at any threats that they like to intimidate you with.


You should not talk to them over the phone, they will only wind you up, trap you into agreeing to payments you can't afford, and generally just irritate you with their lack of knowledge on consumer law. So DONT TALK TO THEM OVER THE PHONE!

Get everything in writing, and if they persist in calling you or your family then send them the telephone harassment letter if you can you should send any letters via recorded delivery, that way then you know when they have received it and they can't say they 'never got it'.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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