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Hiya Looking for advice. Amigo loans gave me a guarantor loan when my credit file was extremely low 8-10 defaults. I complained to them about 18 months ago and they issued a final response saying they did nothing wrong. And j didn't take.it further as I.didnt know what to do. I have now been advised I should take my case up with the ombudsmen which I did but have been told it is too late for them as amigo issued there final response 18 months.previous . The only way they could investigate if I had a valid.reason why I didn't escalate this to them.within the valid time.line Any ideas what reason.i can give 😂😂 -
i believe there was a time when they were popular some +10yrs ago but we never officially endorsed them as it was a bit of a myth and they were linked to freeman of the land twaddle. if a default did get removed it was typically because of another reason not as a result of that 3 letter process. what's your issue and with whom spill the beans dx -
Sorry but i believe they are quite correct sadly. you might have a route through the responsible gambling criteria on boku though that they must abide by
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Hiya I don't know.if this is something this forum can help me with. I had a account with ee and for 2 years everything was great. Then I got a hard period in my life and got addicted to gambling which I funded by topping up through my.phone credit through a feature called boku. My phone bill went from £40 a month to £700-1000 . Every month my phone would be disconnected I would phone them.to reconnect a extra few days pay my bill . And then use the phones to deposit another £700-£1000 . This happened for nearly a year . Finally one of their agents realised there was a issue and blocked any 3rd party payments . But due to this I wasn't able to pay my bill and I.was disconnected and contract terminated and a default if £2300 added to my.credit file . I contacted them.at the time to.say I think that was unfair.and they should have spotted there was a issue especially as my phone bill went from £440 a year to around £10k for a single phone line . But they refused to take any responsibility and said it's not up to them to.look for problem gamblers I'm looking to.get the default removed any advice
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I think yearly 'boosters' might not be enough, especially if the mutations continue It may well end up like the flu and need targeted vaccines every year, with possible extra boosters for significant changes. How serious? Dunno yet. But consider that 'flu' is a number of different virus' and the vaccination effectiveness depends on whether the right strains are picked to go into the jab. The pandemic which peaked over last winter and spring was with a very limited number of strains of Covid - the number of variants of covid are growing and growing in infectiousness https://www.medicalnewstoday.com/articles/how-do-covid-19-vaccines-compare-with-other-existing-vaccines https://www.cdc.gov/flu/symptoms/flu-vs-covid19.htm https://www.hopkinsmedicine.org/health/conditions-and-diseases/coronavirus/coronavirus-disease-2019-vs-the-flu Its quite likely that we will still be very significantly in the thrall of Covid and its offspring all through this year and quite possibly longer. That possibility growing the longer Johnson and Handcock are leading the fight against it here. Consider that the Scot gov released detailed information that included vaccine deliveries expected - and Johnsons crew went apes**t and had everything taken down including tweets with the detail it seems Undoubtedly not for 'commercially sensitive' aspects - but because the info gave the lie to Johnsons 'the Liars' claims of number of injections and his claims garbage waffle that it will be all great in a week or two/by spring etc as we have already seen.
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Our picks
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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!
Picked By
BankFodder, -
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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-
- 1 reply
Picked By
BankFodder, -
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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-
- 31 replies
Picked By
waz70, -
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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/-
- 49 replies
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