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    • No I'm afraid everything here is done in the open. We are all very honest and straight dealing and also we have helped people in respect of this company before – they may be aware of us – but does it really matter? You started off this thread by asking how to they get away with it? The answer is that because even their own customers like to keep the problem secret so it becomes not generally known. If you want to do this secretly then you are simply bringing comfort to the sofa company. Is that what you want? Why?
    • I would like your help but I dont feel comfortable disclosing everything on here as it will be in the public domain.    Is there any way I can discuss my matter privately?    Thanks
    • Two hours to go (11am hearing) going to wear a hole in the carpet so nervous.
    • I'm trying to understand if you want some help with this or not. So far you haven't told us anything about your story – dates, prices, who you have complaint to et cetera. You have simply told us about how unethical it all is and asked how do they get away with it et cetera. Maybe one of the reasons why they get away with it so often is because people don't tell their story but simply complain about ethics. We can help you if you want. In order to do this you will have to give us information about your story – and we would prefer in a bullet pointed chronology without too much narrative. You say that you have obtained an independent report. There is a good move. Please could you post it here in PDF format so that we can have a look.
    • Good morning.   Ahh good  old Tax Credit overpayments, the gift that keeps on giving. It's almost guaranteed that if you claimed Tax Credits at some point in your life a charming little letter will pop through your door with a random national lottery size amount of money that you owe them, and it's always from many years ago. It's so thoughtful of them to send out huge demands during the most severe economic crisis of the last 100 years.   Nothing is going to happen quickly here, your SAR , when it arrives is going to be a huge box full of screen shots, call transcripts, what they assume your earnings were at the time.  It's very common for them to make mistakes, for example on mine within 5 minutes I noticed that they had my salary down as far higher than it was, which immediately took what I owed them down by £1200.   Boring summary as to why this happens,  The system is so complicated, that somebody always makes a mistake, either them or the Claimant, most people don't notice because the money is clawed back from their actual tax credit payments as  a tiny percentage that's barely noticeable. This works great until you suddenly start earning too much money and Tax Credits stop, then boom You owe us X thousand!  Unfortunately, being HMRC, and being utter rubbish sometimes that 'boom takes 15 years to arrive on your doorstep.   Ultimately, you may owe them something, in the end, they will talk like they are going to send the heavy mob in to repossess everything, reality is there are people all over the country paying them £20 per month or at some point in the future if you claim Universal Credit they might take a few quid a month off that. If you are really lucky they will just give it to a powerless DCA.   Once you have analysed your SAR, you may have grounds to appeal,  its also worth Googling Tax Credits COP 26 and reading carefully several times, perhaps some of the rules in there apply to you and may also be grounds for appeal. There are lots of mitigating factors that could even get the whole thing written off. Rest assured you can come back to this thread and ask anything,  I'll always respond and am very knowledgeable about this subject,   Keep us posted        
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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

Urgent! Link/GE Money... problems....


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I have today recd a letter back from Elizabeth Jones with a Notice of Discontinuance in relation to case raised within Northampton County court. They are agreeable to the monthly repayment of £75.78 in line with disposable income letter sent by CAB. they will monitor the account for these payments and confirm that if default should occur they reserve the right to instruct their Scottish Solicitors to raise proceedings against me for the outstanding amount.

.

No mandate received and no comment on the interest to be charged. Also as yet no copy of CCA has been recd as neither me nor OH have a copy of it, we just have the application of agreement.

..

OH has a letter asking him to sign a Tomlin order and requesting £200 a month. He feels he wants to sign the order but on his terms ie his disposable income. he has been offered 112 payments to clear debt. I am wondering if interest is still being charged and at what rate. As we have not had our day in court they could still charge the full 17.3% interest and we will never get this debt paid.

Does anyone know what can be done to get the interest reduced while we make payments in line with our disposable income. Will we need to let them take us to court and ask for interest to be waived/reduced until we can obtain sufficient monies from family or friends to get this debt written off for 40-50% of outstanding debt..

Hettie.xx

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Have just sent off the cheque for this months payment asking for a mandate again. Have asked for a copy of CCA again as per my letter 8th March and dispute letter of 27th March. Also as they have gone to court in England have asked for the fees to be refunded as the Northampton court have no jurisdiction over a resident in Scotland as advised by IDA. Have once again asked for interest to be frozen so i can continue to make payments to them.

Still unsure if OH has signed the tomlin order as feel we need time to get CCA and other docs that link were trying to use in court.

Is it worth doing a request for deed of assignment etc yet or would you leave it until Link take me to court up here. OH has not done this yet and feel this may be duplication if I do this and he has already done it for his defences in the future....

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sorry i am confused

 

you say this agreement was with your ex who lives down south?

 

then you say your OH has signed a tomlin order, is this your ex or your current partner?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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The agreement is with My EX and he lives in oxford. Have just spoken to him and he has not signed the tomlin order as he has under £60 in disposable income for in all 5 creditors. He asked link to accept his disposable income for the tomlin order but they have refused. He has now been told they are going to take him to court in oxford for the full amount as he is equally and severally liable.

My cheque sent 23.4.10 has not been cashed. NO SURPRISE there.

Still unsure if I should apply for all docs as per cpr 31:14 stencil letter.

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  • 1 month later...

seems they have gone quiet for now. They have now given ex a TOMLIN Order for payments to be made over 424 months for the full amount. They have frozen interest and asked him to pay 52.16 and me 75.78 for the forseable future. this does not add up to the same timescale of 424 months but is a result. He signed papers for the Tomlin Order and lets hope they do not chase again for this.

Thanks for the help with this.

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  • 2 years later...

this has now been 3 years on. payments have been made and no approach from link. My debit card has expired twice and after 5 months it has been me who has contacted them to up date records. seems they are fast at getting court orders but not to chase regular payments.

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Hiya, welcome back :)

 

Can you not access your original account? As we can sort that for you.

 

Are they keeping you update with the balance and did they stop interest?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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They have frozen all the interest and they do not send me statements but they do send them to my ex partner. I could not remember my original sign on. could this be re-set. and once again thanks for your help. More people should do what you do. It gives you confidence to challange and get everything sorted.

 

Still have a long way to go. All bills upto date but still 2 debts left to be paid under debt management.

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  • 4 months later...
They have frozen all the interest and they do not send me statements but they do send them to my ex partner. I could not remember my original sign on. could this be re-set. and once again thanks for your help. More people should do what you do. It gives you confidence to challange and get everything sorted.

 

Still have a long way to go. All bills upto date but still 2 debts left to be paid under debt management.

 

this is still ongoing but they never chase me when my debit card goes out of date. it takes my e to call me and tell me i have missed the payments. he has atomlin order and will never pay it off as he will be 85 by then. seems they chase and chase and go to the courts then leave you alone. so much chasing etc.

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