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    • Hi. I posted on the facebook group about Hermes queries re: a parcel that Hermes said delivered but i didnt receive. It was a private sale of a mobile phone from a seller in Wales to me in Edinburgh.   The seller has stopped contact with me now so I cant get any help from them. Hermes are saying it was delivered but it wasn't.   I have got all copies of emails to and from the seller and to and from Hermes. A photo of the actual parcel that the seller sent me prior to posting.   There also seems to be a some confusion on the Hermes tracking info about which day it was actually delivered but either way I was in my house both prior and after the delivery.   There was no photo but it stated the driver got a signature. Not true cos it was a covid thing not to get signatures. No calling card to say it was left somewhere else or in a safe place. It just simply wasn't delivered.   I've been told to ask for GPS info in order to trace the delivery or driver. I cant even talk to a human or get a valid address to write to.   I sent an email to the CEO guy and still no reply. I've not reported anything to the police but I'm getting all sorts of contrasting advice to do this and not do that etc that im totally lost now.   If you read this David, please get back to me please. Much appreciated.   This happened in June/july so hope im not too late to still do something about it. It's just took this long to only get to this stage. 
    • PAC code   https://tinyurl.com/yxhxcsxf   ...
    • Noted! Hopefully there won't have to be another time though!     I did respond to the email, I just basically said that he cannot deduct any costs incurred for collecting / picking up the vehicle and if it heads down the route of ADR which is a total new concept of me having any evolvement with, that he would have to pay a refund/the cost of the car and the cost associated with the collection of the vehicle.    Apon further checking the legislation because he gave me no cancellation rights prior to the contract starting he is indeed guilty of an offence, which is the likelihood of what trading standards are dealing with in regards to his local TS contacting him.     
    • hi,     Just asking for some experience or knowledge.     I purchased a puppy on the 30th of august. On numerous occasions I was in contact with breeder and asked if the puppy showed signs of entropion.    I was told no.   On the 26th of August puppy had first jabs. And apparently their vets said none of the litter showed sign of entropion.    On collection of puppy I noticed he was covered in green mucus. The pen had dog muck spread in there so assumed it was just from pups playing and maybe getting it in each others eyes (poor hygeine on breeders part)   Anyways,   Asked breeder to wipe pup and we left       With in 3 hours we realised that the puppy wasn't well. He physically couldn't open his eyes and when we attempted to clean them his eyeballs weren't visible.    We phoned an out of hour vets and contacted the breeders immediately.     The pup was taken to the vets and we were informed he had a severe eye infection which was a result to entropion.    The vet bill came to around 900 after tacking and meds etc. I asked the breeder to cover the costs. They said no because their vets said their was no issues.     The state on this puppy my vets think he's suffered from birth.     And most certainly not 5 minutes before I turned up.      I've filed a small claims for the cost of the vets and the cost of the puppy.      Where do you think ill stand?    What type of evidence will the judge want to see. Thanks
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How to Calculate PPI Interest

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Hi to all

I am new here and for the life of me I am no good at maths:confused:, I am trying to claim back PPI insurance on a loan I have with the Halifax, unfortunately I have defaulted on the account, so I am therefore hoping not to get any money back but to hopefully offset any possible PPI reclaim off the debt.


Amount of Credit (cash Loan) £5,000

Amount of Credit (the insurance loan) £1565.58

Total amount of Credit (The total Loan) £6,565.58

Duration of agreement is 84 months

Total amount I pay for the cash loan £7,838.88

Total amount I pay for the insurance loan £2,454.48

Total amount I pay for the total loan £10,293.36


Monthly Payments are £122.54


!st repayment was made on 3/11/05, I have made a total of 41 payments but I have now defaulted.


I am unable to claim on the PPI as I was self-emloyed at the time I took it out and the insurance was not suitable for me.


Can any one please help.


I would also like to apologies if I have put this new thread in the wrong section.

Thank you


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Hi Smudger,


Welcome to the forum.


You have definitely come to the right place for advice about PPI insurance.


I suggest you have a read of the stickys on the PPI home page as there is lots of useful information on there about reclaiming PPI.


Meanwhile, couple of questions for you:


1) What is the APR on this loan?


2) Does Halifax still own the loan, or has it been sold to another company?



  • Haha 1
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Good to see you Smudger.I would echo the advice of dj1971.

Read up as much as you can.

This is the right forum to enlighten you and give you the info you need to proceed.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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Thank you for the advice, have had a look and I can't work out spreadsheets. Sorry for being so dumb, probably the reason I'm in the mess I'm in.


The APR on this is 13.9% and yes the Halifax still own it at the moment. If it changes I will let you know.


Many thanks again


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Hi Smudger,


You are not dumb. I remember I was overwhelmed when I first saw them and could not work out how to use them. So you have done the right thing coming to the forum and asking for help.


To work out how much to reclaim:


1) We calculate how much of your monthly repayment was going against paying off the loan for PPI. This amount is £29.12.


2) Then multiply the £29.12 * the number of monthly repayments you have made, so in your case 41. This gives us a total of £1,193.92.


3) You are also entitled to claim back statutory interest at 8% per annum on each of the monthly repayments, form the date of each repayment to the date Halifax refund your money. As we cannot know this date right now, I have use 1st September 2010 as the date. If and when Halifax agree to refund your money, they will do their own calculations anyway. The idea here is for you to understand how it is calculated and give you an idea of how much it should be.


I have completed a spreadsheet with the calculations for you and attached it below. If you have any further questions, just ask. There is always someone who is willing to help around here.


Good luck



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Hi dj


What can I say, you are a star. I don't know how I'll be able to return the favour but I will.


Thank you to all who answered, I can send my letter off now and look like I know what I am talking about, which I think reading all the threads is what helps you hopefully in the long run win your fight.


Godbless you all


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Exactly the purpose I believe of the forum. Best to be prepared and armed with information, so they don't just fob you off.


If you get your money back, please consider making a donation to the site. This is the best way I believe to show your appreciation for any help received and will allow the site to continue helping others.


Let us know how you get on.


Good luck



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