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    • This was my first (and last!) experience using Hermes to deliver a parcel. I learnt the hard way...    I posted a valuable item (my precious & perfect guitar) with Hermes that was delivered damaged. I paid for insurance and after an absolute nightmare getting in touch with them, then waiting 28 days, they said it is not covered.   However the recipient stated there is signs of rough handling to the package, therefore Hermes are still at fault. When I responded with this to them they replied:   ..."I assure you that any damage is not a lack of care from our couriers; they take great care of all our parcels in transit. Any damage done to parcels within our delivery process will have occurred whilst being sorted by the automated, heavy machinery within one of our large depots."   Surely this does not absolve them of liability?!   I sold my guitar on ebay for £265 and have had to refund this plus the £20 postage I paid in good faith that my guitar would reach the buyer intact.   I now am out of pocket and with my once pristine guitar damaged.   I am heartbroken about it, plus the stress it's caused, was only even selling due to being a new mum and not currently working, I could cry (well I have several times). Anyway was just looking for any advice re: attempting to take further cheers.
    • Pleased we can at least agree on that.  
    • I will await the final confirmation tomorrow I also attach the Draft Order, please can these be checked Andyorch and BankFodder before I submit these online tomorrow I of course will amend the details to add the names etc before I send this. In the Leicester county court Claim No. ... Before District Judge ……… Dated 23//10 20… Claimant/s Mrs XXXXXXX   and Defendant Goosedale Draft Order     IT IS ORDERED THAT: 1. . Pursuant to CPR 19.4.1 and CPR 19.2.2 (a) it is requested that a second claimant Mrs xxxxxx be added to this claim. It is desirable to add the new party so that the court can resolve all the matters in dispute in the proceedings. 2. The proposed amended particulars of claim be reserved Pursuant to Practice Direction 19 ( 2.1 ) ###### End of Order ######     Amended Particulars of claim for N1.   The claimant and second claimant joinder seek reimbursement of £7700 paid to the defendant on XXX date 2019 in respect of a frustrated contract for a wedding venue booked for the XX date 2020 and which was cancelled by the defendant as a result of implementing government restrictions in respect of Covid 19 Legislation.The principle claimant makes this claim pursuant to Contracts (Rights of Third Parties) Act 1999. The defendant has refused to refund the contract price. The claimant seeks £7700 plus interest plus costs.     N244_web_0818 COMPE.pdf
    • The Financial Conduct Authority (FCA) is again urging consumers struggling financially during the pandemic to seek help - after discovering that 12 million people have "low financial resilience" View the full article
    • https://drive.google.com/file/d/1WrcF2oEOydGXCZYwhZcYB7QmnP_9jNaQ/view?usp=sharing I think I have figured it out. Sorry   
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
      You only have to look at TrustPilot to get an idea of what this company is like.
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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I need a clear understanding

Please note that this topic has not had any new posts for the last 3911 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Can someone please explain to me the procedure for an assignment notice. What do they do and what do they need


The same with a default.


If they have served a default and later you ask for a copy of your credit agreement, if they cant provide it what happens to the default or assignment.

Can anyone explain in layman terms please:confused:

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pardon my french, but you have so so many threads, all basically asking

Hypothetical questions relating to this and that.


from a browse of your threads, it appears this stems from/to this charging order you have that in effect is faulty as it contains 2 debts [by mistake?] and neither of these have valid agreements?




you'ed do yourself and us a really big favour if we had all the info in one place and we actually knew who these people were.


p'haps getting the threads merged might help?



please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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yes dx is does seem a little strange i see what you mean when you have a look at the threads, also i notice whenever someone asks to see agreements, etc the thread goes quiet....hmmmm strange

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Is this in connection to your Lowell thread?


If you try to keep all your posts on the one thread regarding each debt/query, it makes things so much easier to follow and give advice



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Sorry to have given you all the wrong impression. or suspicious minds. Yes I do have numerous threads and perhaps that could be because I was in such a pickle.Nothing strange about my queries as they arose or changed I asked accordingly. No questions were hypothetiacal they happened to me,the two cases I had just won were real, sorry to have wasted you time but as you have requested I do you all a favour I will I wont ask any more. Thank you to those who have helped its just a shame about the last 2 posts and comments. You didnt need to answer. If you found it so suspicious you could just leave it alone to those who want to help.Just to clarify I am also under the thread A big thank you incase you missed it. There I WON DUE TO CIRCUMSTANCES I LISTED,I dont know how to post docs I have tried but failed but HEy Ho there you go I didnt post so therefore there was nothing more to say. Once again apologies and I will leave you to the less difficult queries to answer.

Sorry for the rant but you really could have picked a better way of wording other than to insinuate something was awry other than your imagination.Unless of course YOU are the opposition trying to put people off.

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Hi, noogie.


I'm sure no one was trying to make you feel bad or feel under some sort of suspicion. You do have a number of threads, some which would receive more reply's and help if they were merged together.


I'ts very difficult to give help when you do not have the whole picture.

I have sent you a PM regarding getting some of your threads merged together so users can continue to give you help, whenever they can.


dx100uk and debt4get and both well established members of this Forum and have helped hundreds of people, like yourself. I'm sure they will continue to give you advice, when they can.


Remember, you can ask as many questions you like, thats why this Forum is here.


I hope you continue to post and reply to my PM.





Edited by maroondevo52

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Help keep it up and active, helping people like you.

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Sorry but I realy feel as though I have done something wrong I turned to this site for help. I have had so many problems that if i listed them they would read like a fairy story. I have major problems, you could call it what you like bad luck, foolish investment, lousy advice bad debt management company whom I sacked, HAndling it with the help of the forum but honestly after those remarks would not feel comfortable posting or asking any question. Thoise posts have made me feel its not worth the hassle. whats a little more to deal with but thanks for the support. I wont be posting anymore questions.


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noogie, I've been dealing with this stuff head-on for over 3 years now. I get confused. I panic. There's a lot of stuff in my life I can't share. Dealing with DCAs is scary. Share if you can, it helps :) xx

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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sorry for being suspicous noogie, it just seemed you had a lot of threads that were getting nowhere.. it would be much easier for us all to help if they were merged once again i apologise

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if you need help regarding posting documents i would be more than happy to go through the procedure point by point with you, i know it can be difficult and confusing but anything is possible, once again i am sorry for the posting and hope you continue to use the site and get the help you need

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Whether there was any earlier confusion,that was quickly corrected.

Its up to noogie to decide and only he/she can make that choice.

Dealing with issues that are contained within 30+ threads is a hard ask.

Its right that those that immediately concern the issues that are still outstanding should be merged together.

noogie will be best placed to advise and say exactly which those threads are.

Its unfair to expect a team member to have to spend lots of time to reconcile this information,when the benefit and interest lies with noogie.

It also takes away valuable time they could be spending helping others.

Theres nothing complicated.personal,nor vindictive about any of that-its pretty clearly the best way to go.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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the thing that needs to be taken from this thread is CAG is here to help, we & others learn how to deal with things by asking questions & reading threads.


the issue remains, that, CAG got the user through these problems, and thank god CAG was here for the user, BUT, anyone in the same situation could not use this thread to get 'HELP' by reading what happened & how it was resolved.


Please help others - it would be really nice if the story was told, how issues were resolved, what actions were taken, then someone else, like this user, will be able to benefit from the thread.


as it stands it helps no-one.


but as said above, pardon my french, it won't stop anyone from helping you. we don't operate like that on CAG.



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please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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Your posts were all over the place and needed to be tidied. This is for your easy reference and to help people help you. You have plenty of support on here, the people posting have been there and i would trust their judgment, their advice, and who knows you may make a few close friends along the road to recovery. Remember, what you go though, others behind you will be able to see how you coped, you then become the teacher.


So lets see you posting again here, and lets get this mess you are in sorted out. :)

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Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers





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