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    • and if you consider Sunack is adding a further 1.6 billion to the 12 billion plus already spent on the 'vaccination program' despite putting absolutely sod all in for NHS pay ... whats 14.6 billion divided by 20 million? - mm over £700 pounds per jab even ignoring all the wasted PPE and test and trace costs  
    • Thanks. I understand now. Sorry for being thick. Last question….. what do you mean by lucky or unlucky about having a UK asset?  Do you mean lucky that there is someone who can forward me any mail? What’s the unlucky part?  Thanks 
    • correct a DCA has zero legal powers. you don't need any 'legal powers' to issue a court claim..you or i can do that if we think someone owes us money, thats what the courts a are therefor, so a DCA thus has no more or less legal powers that you or i.   people end up getting backdoor CCJ's because they do not update their debt owners of their correct and current address. you are abroad, you are also lucky (or unlucky in terms of a uk asset) someone lives in the only? UK address they could use.... you say you'd get the mail or notification anyway...so...    
    • Thanks very much dx   Not sure if your saw my comment re the budgeting as think we may have crossed.   Can they start reporting on my credit file again? I really cant have that happen. Is this a risk.   The conundrum is - if I settle them now for say 30% of the debt thats around 5k. If I end up having to pay them thru court action then just a few could be that much. I suppose thats a gamble.   when they do a letter of claim, I am guessing we then ask for a CCA. If they can provide it do I have the opportunity to pay if necessary before getting a CCJ or it reported again on my credit file?
    • Sorry forgot to mention. When filling out the financial situation to get the stepchange payment low I was very economical with the the truth. I dont want this to be an issue as I am worried about that.
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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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