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So, I'm better off cancelling any dd's relating to debts, just to be safe?
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there is no need to be frightened of a DCA or their pet solicitors. a DCA is NOT A BAILIFF and have ZERO legal powers on ANY debt no matter what it's type and most certainly have ZERO powers even with a CCJ. how did you inform SLC of your present address before these debts were sold to erudio?
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just be aware that some DD's give their takers the chance to get what they want when they want standing orders and or manual BACS transfers might be better.
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By Badgergirl25 · Posted
Thanks for your help - I will call Northants on Monday and record the call I did inform Student Loans of my change of address when I moved, but I'd never heard or Erudio or Drydens before yesterday. I didn't want to give my new address to Drydens yesterday as I was scared that they would send someone to my door. I did call Erudio and explained the situation and they asked me to call Drydens to ask to speak to a supervisor to raise a query with Erudio, which I did. They have placed a hold on the case for the time being. I have looked at my BTEC certificate and it is dated July 1998 and it was a two-year HND. It looks like I got my years muddled and that the loan must have been taken out in 1996 and 1997 so it pre-dates 1998 as that is when I got my qualification. After I get the details of the claim on Monday, what should I do next? Again, thank you for your help in this. -
Thanks for the quick replies and advice! I need to check the dates of these cc's, but i'd estimate: Bcard1 - 2001 Bcard2 - 2007/8 Lloyds - 2015 Tesco - 2016 Natwest - 2003 The loan was taken out in 2019. Regarding enforceability - this is part of the reason I want to manage any plan myself - I don't want to be cash cowed. I will open a parachute account this weekend, outside the RBS group and move dd's to this account! Seems scary to just stop making payments, but I agree, the sooner the defaults are applied to my file the better. I haven't taken advantage of the covid payment holiday on the loan, but i assume that would be fruitless for the same reasons - can Natwest insist I take this to avoid defaulting the account Thanks A
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Post in Court Claim Against Hermes - item sent via Packlink was lost/tampered with **WON**
jj58 posted a post in a topic,
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!
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***Hermes and mediation hints ***
BankFodder posted a topic in Postal and Delivery Services,
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
waz70 posted a topic in NatWest Bank,
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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Hermes lost parcel. **WON**
murraynt posted a topic in Postal and Delivery Services,
Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/-
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Default damages [PCWorld wrong laptop sold & HFC Finance]- Supreme Court
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