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    • this is what she has sent me, thanks 145520979_167443335146679_6745638547406811238_n.pdf
    • she hasn't admitted ever she was at fault to anyone
    • thank you, apologies if it seems muddled up, I don't really understand it my self tbh.. she called AX and they are trying to contact admiral but haven't received a response from them yet.   she said it wasn't her fault, he shouldn't have pulled out as it was her right of way, he should have waited until she passed.    she has said to AX today, why arent you fighting my corner,  they said "She said its a difficult one because there refusing liability and without evidence were stuck."    what does she do?
    • Well not a law just guidelines...   But...   Complaints Complaints about firms breaching the regulations should be made to the Citizen's Advice national Consumer Helpline on 0345 404 0506** for onward escalation to Trading Standards. **Calls to 03 numbers count towards inclusive allowances on landlines and on mobiles, or are otherwise charged at "geographic rate" - the same as calling an 01 or 02 number.
    • why don't you or she describe how the accident happened carefully here and maybe with a couple of simple but clear diagrams so that we can understand the situation of course it would be much simpler if your sister could get involved in this thread and give us the information first-hand.  
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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
      • 33 replies

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Hello,

 

I have sent a letter to crap 1 about being miss sold PPI, they have written back saying they wont investigate it due to the fact i have not signed the letter!.

 

Is this true? what can i do or do i need to put a signature to it?

 

Cheers

PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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Well i sent a letter back to them today, stating that if they have sent me statements to my house why do they need a signature?

 

Lets see what they say!

PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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  • 3 weeks later...

Had a reply off crap1 saying that they need a request letter with my signature still!!:mad:

 

This is along the lines of what i sent them after the last letter asking for a signature:

 

'I would also like to draw your attention to the Data Protection Good Practice Note: Checklist for handling requests for personal information issued by the Information Commissioner’s Office. Section 2 states Do you have enough information to be sure of the requester’s identity? Often you will have no reason to doubt a person’s identity. For example, if a person with whom you have regular contact sends a letter from their known address it may be safe to assume they are who they say they are.

I have never been asked to supply a signature and yet your company has on a regular basis and over a great number of months been sending personal and highly sensitive financial information to me at this address.'

 

Is there anything i can reply back with or do i sign and put a line through my signature?

 

Any help will helpful.

 

Many Thanks for taking your time reading this post.:)

PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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  • 2 weeks later...

Cap1 are being really awkward over signatures at the moment. The options are to either use signgaurd or to make your signature slightly different but identifiable should they decide to "copy" your signature.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Zoom, I sent a signature with a little addition when they asked for mine.

 

They then produced paperwork with a signature completely different to what I had sent so they don't bother to read them, it just delays them having to action your request!

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Ok, thanks for the advise and your time. I send them a signature with a twist.

PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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  • 4 months later...

Hi All,

 

Update... Sent the letter with a twist signature off and got a letter staying they will look into it and keep me informed. Well over 8 weeks have passed and not heard anything from them. So i have sent them a letter saying they have failed with their time line guides and given them 5 working days for a final response.

I received a letter the next day (before my one was sent) saying that they need another 8 weeks due to high number of investigations on PPI!!!

 

Surely 8 weeks is plenty?

 

Should i wait another 8 weeks or take it further?

 

Any feedback welcomed

 

Thanks

PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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Hi Zoommi,

 

This is entirely your choice whether to allow them more time.

 

As they have now failed to reply within the 8 weeks allowed you do now have the option to refer this case to the Financial Ombudsman Service (FOS).

 

The FOS are also dealing with a large number of complaints so there may well be quite a wait before they get to look into your case. But it costs you nothing to put a claim in and personally I would contact FOS and register your claim now. Even if Cap1 do come back to you with an acceptable offer in 8 weeks time, you can cancel the claim with FOS and if they do not, you are already in the queue for FOS to investigate.

 

Just my opinion, but as I said entirely your choice.

 

DJ

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Hello DJ,

 

Thanks for the reply, yes i think you are right. I will start the ball rolling with fos, very good advise.

 

Thanks

PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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  • 2 weeks later...

Well they have replyed within the 5 working days that have gave them, and come up with a figure that is correct. So a win :)

PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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  • 1 month later...

Crap one have taken the money off my balance of the card. The card is not behind on payments. I thought that they had to send out a cheque?

 

Any help on this?

 

Cheers

PPI vs HFC - ongoing

PPI vs Crap 1 - ongoing

PPI vs Halifax one card - WON

CPW- ongoing to remove default :mad:

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If your CC is up to date, that money belongs to you not them!

 

I would just write back and request payment direct to your self within (14 days?) or maybe 7, although it will probably take them about a month!

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