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    • What about the 300 payment I paid in December to stop repossession? And never defaulted since.    Just defaults off a previous year due to injury.    Car wouldn’t of been left there if I knew. How do I find out about a bill of sale?   I wouldn’t of left it there if they hadn’t made the arrangement with me. As I knew I would have the money to pay it by 18th March.     I have my car back now but it is damaged, which I’m going to have to pull out for. 
    • You cannot expect to claim any compensation for parcels which did arrive – even though they were delayed. That sounds a bit French to me. You can only recover compensation for parcels which were sent with them and which are lost. You say that there were 20 parcels. I think you need to give us more detail. I don't think we need a list of every parcel, but we do need to know how many parcels, whether the value was correctly declared, what was the declared value, when were they sent, and if you have you raised a complaint with. Which courier actually undertook the delivery?
    • The thing is, the administration has said there will be no payment coming.   "Unfortunately, whilst we have added your unsecured claim to the list of creditors within the Administration, regrettably due to the lack of funds in the Administration, there is no prospect of a dividend being paid to unsecured creditors. This means that notwithstanding your entitlement to Redress no payment towards your unsecured claim will be made. More detailed information on the reasons for this can be found in the Customer Redress Scheme and FAQs, which can be found by clicking on the link in paragraph 2 above."   So, I will obviously continiously beeing chased by UB or the debt collectors.   It was Unclebuck who emailed today saying the transferred the agreement to them
    • I'm sorry, but I don't really understand what you are referring to. Maybe you'd like to post up your particulars of claim again
    • They talk sence. So await the money. An administrator is placed in a difficult position upon how they can distribute funds they administer   so ignoring the powerless dca's , who currently owns the 2019 outstanding one? Who are 'they' ....
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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
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    • 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
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application form or credit agreement ??

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hi everyone its been a while since last logged on to this web site, i would very grateful if i could get your help again, a friend of mine is in a spot of trouble with some debt collectors calling him and sending him numerous letters.

back in 2000 he had a morgan stanley credit card ,he honestly only remembers applying for one, and never signing any other documents apart from the first one.

i wrote them a letter requesting a copy of the signed credit agreement i got the letter from this web site.

Barclays wrote back and wrote a long 3 page letter explaining my friends rights as well as there own and attached 2 photocopied sheets of paper. the first one is tittled in big bold writing application form, and written under it in normal writing it reads credit agreement regulated by the consumer credit act 1974 . source code 107h5zzgf. it has filled in, his date of birth, full address plus how many yrs he has lived there, work address, bank address and bank details,statement date options, and payment protection insurance options,which the box no i do not wish this has been ticked. each of these are numbered 1 to 12, part 10 is tittled the agreement, which reads please send me my morgan stanley credit card and pin, it goes on to say that i confirm all details are true and that a credit check will be carried out . part 11 reads your signature and reads this is a credit agreement regulated by the consumer credit act 1974 sign it only if you want to be legally bound by its terms, my friend has signed it, and its dated 20]04]00 . part 12, reads your write to cancel, it says you have a short time to cancel, details will be sent in the Post by the bank.


now its getting quite confusing for me please bare with me....a few yrs ago my friend told the bank he could no longer afford the repayments becos he was off work ill, the bank stated paying for his repayments via the insurance policy. 3 yrs later the bank tells him he can no longer have his repayments payed via the insurance, 3 yrs being there max time they will pay it. yet they are still charging him paymeny protection every month


the second photo copy sheet they have sent is the financial and related particulars which reads about the APRs , i really need to try and scan this and get it on here, it is signed by i guess the person from morgan and stanley, because it reads for office use only. but the date has been changed, the original date has been written over,it was originally different day and month and changed to the date my friend took the card out.i know it could of been a simple error and a genuine mistake.

some thing else i have a couple of statements they recently sent my friend, bare in mind he ent used this card in years, i read on the statement

previous balance from last statement £1,927.38

22nd jan 2010 AXA payment protection £15.52

22nd jan 2010 interest on ur cash balance interest 2.000% £33.67

22nd jan interest on ur standard balance interest 1.527% £2.43

22nd jan interest on your default sum balance interest 1.527%

22nd jan new balance £1,980.20


any advice would very much be appriacted on what should we do next x

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