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    • So bit of an update   Below is email sent to BT. The issue is now not the money but the impact on them reporting to credit references unpaid since Feb This was not showing on credit karma or experian,  who he has been with for a while,  but checked clear score tonight and it is on there as missed payments. I can honestly say they had no communication from BT.      Please accept this as a formal complaint in regards to my account. I expect a quick response considering the impact this has caused.   I have been a customer with BT for a while. I upgraded my broadband around November 2020 time. At no point was I informed that there was an unpaid balance on my account.  My services were recently stopped and I called to determine the issue.    I was informed that no payment to my account had been made since February 2019,  and the balance was £800. You can imagine my shock   I have had no service restrictions, no correspondence, no telephone calls or emails to alert me to an unpaid balance.    When I called I had to pay £380 to get my services reinstated. At the time I felt I had no choice as a self employed worker who needed the Internet for work. I also experienced poor communication and had to call several times for money to be taken   Tonight I have checked credit report and BT have reported missed payments since Feb 2019 which has had an adverse impact on my credit, when everything else is up to date. This will impact on my business and ability to secure credit and I want this resolved as soon as possible.    If this is not resolved to my satisfaction, with compensation for the distress this has caused me,   you can be assured I will take this to the ombudsman.       
    • How else would they know why you are lambasting them if yoh dont????
    • Yes but we need the correct information.......   Dx
    • Many thanks for your help, much appreciated. It's been a while since I sent a Postal Order.
    • Sorry I meant I say is there anything I can do...  Ithank you 
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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
      • 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

Nationwide- Next Step? / **DISCONTINUED**


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dd, were you aware you had to attach an exhibits page to each exhibit as below : Obviuously you will need to amend defendant/claimant where necessary..

 

 

IN THE ????? COUNTY COURT

CLAIM NUMBER: ??????

BETWEEN:

DIDDYDICKY

CLAIMANT

AND

BANK

DEFENDANT

_________________________________

WITNESS STATEMENT FILED ON

BEHALF OF THE CLAIMANT

________________________________

EXHIBIT MARKED “DD ???”

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thanks citb yes i copied it from a response you made to someone else

 

plus then a list of exhibits as well i think?

 

If this was exhibits for an application I dont think its needed, I put it in my trial bundle for a hearing but not for my cpr 31.16 application, although I suppose it depends on the number of exhibits ;-)

 

S.

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If this was exhibits for an application I dont think its needed, I put it in my trial bundle for a hearing but not for my cpr 31.16 application, although I suppose it depends on the number of exhibits ;-)

 

S.

 

its a strike out application based on a faulty DN (well faulty) but have included as suggested by PT the 127(3) on the CCA and the prevention of enforcement due to non compliance with s78

 

basically then the whole of my case really

 

are you saying that i don't need any exhibits (there will be around 15 in all what with letters etc) with a strike out application? (apart obviously from the DN and alleged agreement? or just not the list of exhibits

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its a strike out application based on a faulty DN (well faulty) but have included as suggested by PT the 127(3) on the CCA and the prevention of enforcement due to non compliance with s78

 

basically then the whole of my case really

 

are you saying that i don't need any exhibits (there will be around 15 in all what with letters etc) with a strike out application? (apart obviously from the DN and alleged agreement? or just not the list of exhibits

 

Note the highlight :-D, I was talking about the index ONLY. If you refer to the exhibits in your witness statement/application then you must provide them with the application.

 

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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Note the highlight :-D, I was talking about the index ONLY. If you refer to the exhibits in your witness statement/application then you must provide them with the application.

 

S.

 

senior moment!! yep there are only 14 exhibits and the court will probably only refer to 2 or 3 of them

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  • 3 weeks later...

Hi

 

 

just wondered how it was going, got very simular circumstances, drydens,eversheds,single sided application form no prescribed terms,dodgy DN

4 stays now.

 

Go For It

Go For It

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  • 3 months later...
its taken me ages to get the strike out application listed due to shortage of judges in local court

 

listed for next tuesday and nationwide have discontinued

 

thats a win then!!

 

Oh well done, congragulations. Title amended.. now what about costs:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Welldone DD

 

Comgtaulations...

.

VOLVO

 

ps a lomg time ago we used to get balloons on CAG when we won, DaiskmanDave i think!!!.

 

Enjoy, VOLVO

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