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    • Well send off the letter of claim when you're ready. There's really no need to hang around. In terms of the particulars of claim – you don't need to send anything extra. Do not click any boxes.   I wasn't aware that you actually had to calculate the daily rate of interest. I'm giving a shout to my site team colleague @Andyorch
    • By the way, is there a telephone number for the mystery handset? Have you tried calling it?
    • Who made the complaint to the ICO? Did we recommend it? An uncharitable side of me wonders whether they aren't considering erasing all data in order to get rid of evidence of their bungling. Have you checked your credit file? I think you need to make sure the get copies of everything you can from anywhere just in case various records get cleaned up. I think should set about that straightaway although it's a nuisance. Keep a note of the time you spend doing it. Are you sure that the problems with Vodafone and also with Three were caused by your blighted credit file – blighted by virgin? Can we take it that your credit file before this was clear? I think it could be an idea to send an SAR to Vodafone and also to Three to see if they have any reference to the problem setting up your account with them and that those problems might have been caused by virgin. Your credit file also might show searches by Vodafone and also by Three. If there's anything else you can think of – then try to get the information.  
    • No they are not entitled to see payslips. Only if this ever went to Court and it was part of the Court process would this be required. So the information you provide needs to be accurate, in the remote possibility that your information is passed to a DCA who uses it in Court in the future.   Just enter all information onto your income/expenses sheet in Pounds Sterling.        
    • Hi, I am drafting the pro-rata letters and putting a income expenditure sheet together. One question, as I am overseas the expenditure currency is different to the debts. Are they entitled to see pay slips (also in anther currency which isnt indicated on the slips)?
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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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Hi Guys


Could use some help if possible


Lloyds have taken £90 out of my empty bank account this morning for charges now there is a couple of times over the last month where i have gone a few pence overdrawn and i would expect to be charged for that but they say this is for me cancelling direct debits and not telling the companies involved they claim these companies still went for the money and thats why i am being charged even though no money left the account for these direct debits


i m now £90 overdrawn and tuesday i will recieve my childs tax credits and my child benefit into my account which they will take over half of they are also charging me £15 for this month for being overdrawn and £15 a day till the amount is paid my hubby rang them they dont care does anyone know does the 15 a day include weekends?


I don,t know what to do thanks guys

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That sounds about right, making it up as they go along. And who's to stop them, no one. why? because people who are slightly in the black think people like you deserve it. Of course as the recession is increased more people will be played with in this manner. Bit by bit they role along the conveyer, loosing what they thought they had. You are being chewed by the machine.


The only way to stop it is to end the dictatorship and bring about a state of awareness. Money is a fools banquet. Its basically a tool by which a few can own everything. Money does not exist outside of the human mind. Im afraid we are living in a fools paradise. Its all a lie, smoke and mirrors.


The only real way to solve this is to raise awarness that politics is not about Labour, Tory and the Others. Thats to make people think that they have had a say. Behind the scenes the mechanism of human ownership is turning, and what you are witnessing is part of that.


Money has nothing to do with wealth, that is part of the 'dream' an illussion. Money is http://forums.moneysavingexpert.com/showpost.php?p=53600973. Controll of the human mind.


Watch 'Money as Debt' its a 47 minuet cartoon on google videos and gives you an idea of how it works (or doesn't work) also there is a film called 'The Money Master' 217mins. This is a brilliant film that tells you the history of money (Don't think that its american angle means that it doesn't apply to us). It might seem a little heavey, but if you want to cure a problem, you must first understand it.


Sorry that this doesn't solve your immediate proble. It will solve the long term problem as long as people become aware. Once our controllers realise that people are becoming aware, they will be forced to clean up their act.


Once you understand money, Ask yourself 'why wasn't I told anything of this at school?'. (The answer is that its not in the curiculum. Strange that something so important to humanity is not in the curiculum.)

Edited by mooaah
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More like, some people have the ability to make money out of fresh air.


These people have the ability to create recession or boom, depending on what their needs are for the global political arena.


All money is debt that has ultimately been borrowed from a small group of very wealthy global money 'lenders'. This means that we, the population, have been signed up by our governments to be responsible for this debt (and interest). This small group of people have been given the magical power of being able to create money. Great Isn't it. Thats as wealthy as wealthy gets.


Our government has the right and power to create and control its own currency without having debt as a basis. So why don't they?


Very tricky question for them to answer because there is no real logical reason. They would not want to own up to it.


So, anyway, Via this method of illusion, We are all owned.


When there is a recession, material assets emerge from the declining liquidity and can be cherry picked from the pillaged population.


Even those lords close to the top of the power system have far reduced estates than they had years ago, Even those with thier expensive educations cannot see that they will end up in the throng with the masses. Once full computerisation has occurred, those money creaters/controllers will have no need for them. The pyramid of power will look more like a pancake with a long pin the middle.


And all the tools and fools who helped create it will suffer along with everyone else.


I percieve the possibility of something much more beautiful.


Heres one for you.


A Bank 'Brown Bros. Harraman'. Prescot Bush is one of the owners. They lent to the our side during WWII. They lent to the enemy during WWII. They provided Oil for both sides. At one point they held back on the oil for our side, whilst still providing to the enemy.


We are still paying this debt and its interest.


Prescot Bush is grandady of George W Bush. George W Bush is 13 cuison once remove to GAWD BLESS HER Queen elizabeth II.


A moment for me to remember those pore soles that died for Queen and Country.


It gets even more silly. When our Government sign us up for war debt, They have to make a pledge that they(if they win) will pay back the losers debt as well.


Think about that for one cotton pickin minuet....


Our Government are allowed to create and control our own currancy...So we borrow it with a big Ouch clause and interest... from some one else...


Its far more fascinating than any TV soap.


Of course virtually all information is second hand. You'll have to do what you need to verify whats above for yourself. You'll find out loads more along the way.

Edited by mooaah
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no silly, this is all part of what makes life really interesting. The fact is that it really doesn't matter who is on top. As long as people teach eachother the facts.


You cant beat the system, you are the system. we all are.

Education, thought and understanding will change the system.


Bit by bit they will have to do what is right. They will be in the spotlight.


Schools don't teach this at the moment. Its not in the curriculum.


You must also understand that the people at the top see people in a certain way. For instance, people are told how to address the queen. They are taught to be smarmy and cringy and low. So over the years, thats what they associate with people.


They are not exposed to parental love, and their education teaches them how to be machanical in their outlook. They are a different breed(a subset of the human race). They do not understand the real potential that is held within the mind power of the human race (Sadly, they fear it).


They say that the price of freedom is vigialance. Well maybe we need to understand what that means. The enemy will travel along the path of least resistance. So whilst people are looking sideways for the 'enemy' the 'enemy' are above them and the enemy is inside them.


In actual fact you soon realise that there is only one human sole. We are all facets of it. We are childishly beeting ourself up. We are taught competition from birth to death. We are only taught about team spirit at the lowest level. Once nature is no longer a threat in general, our leaders believe that they will not be needed by the people. This is why they need to create division.


Wealth does not exist without stupidity(This is not an insult to anyone). 99.9% of the worlds population own nothing but debt. So how can it work? Lack of education is how.


This is why its all 'YOU CAN BE FAMOUS!!! DREAM DREAM DREAM, BIG POSH CARS, DREAM DREAM DREAM' on the TV. Craving fame is mearly demonstrating a need to be loved. People who are not getting the love they need from the people closes to them, think that they can get it from strangers.


All this dreaming keeps wealth alive, for when the 99.9% realise that they have handed their plannet over, lock stock, barrel and other bits, then wealth as we know it stops. Then we, as a mass, look around us and reallise that we are in the garden of eden (though much abused).


We have to work out how to make this plannet beautiful again (Nature does most of the work, all we need to do is re-harmonise).


Thats what we are here for.


I Think what we are witnessing is possibly the seeds to the end of 'Law Of The Jungle' which will be superceeded by 'Law of Consious Evolution'


A freind once said to me "We all have our own truths". I was stunned at this statment. He had said it in pure honesty. Then I realised why we are so messed up. There is one Truth but there are many beliefs. Only when we understand that we must embrace Truth as our central principle. This is when the magnificence of life and our universe will trully be understood.


Understanding the difference between Truth and belief is the whole game. Truth is what is outside of our minds. It is the laws of physics, It is what is actually going on in the center of our plannet, It is what is actually occurring in the centre of our sun, It is everything that is actually happening. We can only ever believe!. We can believe we know the truth. Once we understand this, it becomes aparrent that shaping our belief to resemble the truth is what we need to do. Never own your belief because then you can't shape it. Never gaurd your belief. The truth is inflexible. As your belief comes to look like truth, your mind becomes simplified (Not simple), unbreakable. Huge chunks of usless information can be put to one side. Mankind creates the complications when it fights to bend the Truth to our Beliefs.


Think about how many were put to death for saying that the earth was round. Yet they were right.


Would it have hurt the people in power to say 'Hmmm an interesting theory, lets have a close look at it'?


The fact is that there is only one truth, whether we know what the truth is or not.


No one can tell us the whole truth because no one knows it. I can tell you that a burning match head will make the end of your finger sizzle and steam. I think you would agree. So now we can amend our beliefs to that effect. Truth is the language of the universe and its creation. When we learn to align our beliefs with Truth, then we shall find our higher purpose.


Truth is the Language of the Universe. Lies are the language of fools, because whilst they pat themselves on the back for achieving their deception, they are only really deceiving themselves.

Edited by mooaah
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