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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 they 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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    • 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

Bankruptcy: Government Guidelines for Expenditure

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Hi everyone


Does anyone know where I can get the goverment set guidelines for what is the budget is for expenditure, that the Official Receivers work on? :confused:


I have tried searching the government websites etc and cannot find anything, I did find it the other month but now for the life of me cannot find it!


I know certain expeditures are excluded etc, but I need to know what is allowed 'acceptable' for travel, shopping and clothing etc.


Thanks :)

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Anthrax alert at debt collectors caused by box of doughnuts


Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.


Vir prudens non contra ventum mingit



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Thanks for that.


However, its not quite what I was looking for.


There is a set of guidelines that are outlined for single, married, married with children etc, of the max you are allowed to claim for for things like shopping, travel, haircuts, clothing etc.


If anyone know where this is - please let me know.



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I can't find it on my computer just yet but I do know that the figures are referred to as "trigger figures". Google may help.

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I have found this, but it does state that to see the 'actual' figures you need an account.


Trigger figures - CFS FAQs - The Common Financial Statement

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It's very reasuring to see that the government allow all sorts of expenditure for bankrupts but pay people on benefits way below these figures :rolleyes:

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It's very reasuring to see that the government allow all sorts of expenditure for bankrupts but pay people on benefits way below these figures :rolleyes:


Must admit the thought crossed my mind more than once babybear while converting that spread sheet to html, but you can not realy look at it like that.


The trouble with those figures are they are just a national average of what people spend for a given household unit, and include the use of credit, so are not that good a guide.


Every OR's office will adjust them, up or down, for regional variations, but most importantly, what your allowed is not set in stone.


Just a shame some OR examiners and potential BR's don’t realise that and treat that chart as the Holy Grail.


The bottom line is the OR must allow a BR whatever his or her REASONABLE living expenses ARE for there given situation, if the BR can prove it costs more, then the OR must allow more, but equally if the OR can show the BR can live reasonably for less, they can allow less.


It’s all how you, or they, define ‘Reasonable’


Of course, if the BR and OR can not agree on that point, it is referred back to the court for a judge to decide, and as we all know, that is a lottery to the personal view of the judge you get.

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I have found this, but it does state that to see the 'actual' figures you need an account.


Trigger figures - CFS FAQs - The Common Financial Statement

The Common financial statement (CFS) trigger figures are a totally different set of figures, and are used for the preparation of offers of reduced payment or DMP’s by the likes of CAB, CCCS etc.


The figures are agreed to be the amount required to live on by most major banks and creditors, and should be accepted without question when a SOA or I&E is prepared using them. The trigger figures are not available to the general public, and are somewhat of a guarded secret, three guesses why that is.


In reality, they mean very little, and don’t get accepted, nor stop the harassment as much as they should from what I have heard.

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