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    • ok well next time never use email esp when entering into what seems like pointless letter tennis on your behalf.?when you had no real need to reply to them in any manner or form.   it only encourages them you are a mug and gives them a free way to intimidate and harass you by email.   get some kind of records from saas/slc on what they believe is your current status as they do still do the Adminmost of these loans .      
    • ignore ...yes its not a letter of claim from a solicitor with their client being the Uni. until/if you get one of those pop back here.   no-one can add anything to any debt ...so can't increase it.   nothing to do with 'credit' but yes ofcourse you can request and they will have to produce all paperwork inc how they dealt with your dispute if the time comes and they move to court.   redwood or harwood are good names to put in our search top right in the red banner.        
    • Someone that specialises on the subject might be a better way to put it. 
    • Vauxhall's parent company has previously said its fate depends on the government's commitment to the car industry. View the full article
    • Apologies I hadn't seen that uploads need to be in PDF.   I have received the attached letter from STA which I assume is a standard letter as I've never spoken to them on the phone. I'm not sure what they mean by 're-commence recovery action'? Do I just continue to ignore them?   I have been in contact with the Uni who insist I need to pay the fees as I left the course after the first three weeks. They have not provided any evidence/documents that I signed an agreement to pay the fees or that I acknowledged that fees would be due if the course was left early. They referred me to their website which undoubtedly has changed since I was there.    I appreciate I shouldn't reply to STA however I'm not sure how to proceed with this overall.   I've read the claim form page and I'm not clear if I can request a copy of a credit agreement from the Uni as I'm not sure if its standard for a University to have required a credit agreement to be signed?    I'm not really clear what happens next and at what point I need to act. I've read about lots of different cases (fee related and non fee related) but can't find information on a case that is similar to mine. Do I wait until the Uni begins a formal action? I am concerned as I don't want the amount to increase from the already significant amount they are demanding.     Many thanks for any help you can offer.  staletter.pdf
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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

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Hi there

I think us Dog Owners have now got a 100% "Get out of Jail" Card.

 

Unlike other countries that seem to have a well defined written constitution and both a "Civil" and "Penal" code for their Law, English Common Law seems intentionally vague and in this case it could be on our side too for once.

 

Baliff's have a right to gain PEACEFUL ENTRY into a property.

 

Now I doubt whether even people living several doors away hearing 2 Dobermanns barking with ferocious fury would agree that a "Peaceful Entry" was being attempted.

 

In this case surely there is utterly NO QUESTION WHATSOEVER of a Peaceful Entry -- so presumably 99% of people who have dogs would be totally exempt from a Bailiff ever gaining access to a property.

 

 

Good one for "The Doggies". They weren't called "Mans Best Friend" for nothing.

 

Well done Doggies.

 

 

Motto for 2010

 

" A Post A Day will Keep the Bailiff's Away".

 

Cheers

jimbo

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'Peaceful entry' is when they gain entry to your property by invitation, through an unlocked door or window, or climbing over a fence/walking through an unlocked gate. If it clearly states that there are dogs in the property, then I think it would be rather silly of them to gain entry whilst the debtor is not about, for their own safety more than anything.

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direct invitation: being asked to enter by someone

open invitation: open door or window

 

both of theses are peaceful entry.

 

Threshhold entry: pushing past, foot in the door

Not peaceful entry

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Hi there

 

 

Good one for "The Doggies". They weren't called "Mans Best Friend" for nothing.

 

 

" A Post A Day will Keep the Bailiff's Away".

 

Cheers

jimbo

 

I have to disagree Jimbo. I always keep a couple of large bags of pork scratchings in the boot.... then im usually the "dogs best friend" :)

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I have to disagree Jimbo. I always keep a couple of large bags of pork scratchings in the boot.... then im usually the "dogs best friend" :)

 

 

You aint met my cousins dog then, retired mod police dog ! try feed it not being its owner, think you'd end up dinner ! lol

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Hi there

 

Actually my dogs are really peaceful when eating their dinner -- however if anybody says the words "Bailiff" or "DCA" you could probably hear them barking a mile away at least.

 

I've now added another hate word to their vocabulary - "Rossendales" -- then they REALLY go mad.

 

Cheers

jimbo

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Hi there

 

Actually my dogs are really peaceful when eating their dinner -- however if anybody says the words "Bailiff" or "DCA" you could probably hear them barking a mile away at least.

 

I've now added another hate word to their vocabulary - "Rossendales" -- then they REALLY go mad.

 

Cheers

jimbo

 

:lol:, good idea, at the moment "see them off" gets my 3 going, so I'll get them to know Bailif and Rossendales as well .. like it ;-)

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