Jump to content

  • Tweets

  • Posts

    • Iv not had a phone mine went off ,so not ad chance borrow one im just trying get my passwords reset.
    • hi sorry about that i never no were to post 
    • Okay I was just checking that the parcel hadn't been sent by a retail supplier in which case it might have been easier to get them to take responsibility. As usual, Hermes and Packlink are playing piggy in the middle and of course, you are Piggy. You should certainly make a claim against Packlink and against Hermes. However, they will both knock you back, of course. You could then sue Packlink or you could then sue Hermes of course Packlink are in Spain which is why it is a mistake to use Packlink for anything because they are outside the jurisdiction. Assuming that you want to proceed to take legal action then you will have to sue Hermes – who will try to say that you have no contract with them in your contract is with Packlink. What Hermes won't tell you though is that under the Contracts (Rights of Third Parties) Act you enjoy full legal rights against Hermes as if you were a direct contracting partner. Additionally, it is Hermes that have been negligent and so if you bring a legal action then you will allege breach of contract as well as negligence. For a claim of this value – £150 – Hermes will at the very least force you to begin a small claim in the County Court by issuing the court papers. They are then quite likely to push you to a hearing but opt for mediation en route. At mediation they will try to say that the contract is with Packlink. They will then back down and make you an offer which will be less than you are claiming – but if you stand your ground then they will eventually agree to pay you everything including the cost of your claim. Of course there is always a risk of losing – but it's extremely unlikely. This is particularly because for this kind of money, Hermes would rather not risk going to court and getting a judgement which makes it clear that you have third party rights and also that it is unfair for them to try and escape liability for these kinds of breach of contract and this kind of negligence. So the advice is, continue your claim against Packlink. Continue your claim against Hermes. When you get confirmation that they are declining responsibility, send Hermes a 14 day letter of claim and then on day 15 issue the papers. Read around this forum about other Hermes stories and also the steps involved in beginning a small claim in the County Court. We will help you all the way.
    • Can I attempt to clarify what I think is a point of confusion between the OP and dx100?   What I think the OP is referring to is the general right to cancel a distance purchase within 14 days.  When the purchase is made, the vendor is obliged to provide certain information to the purchaser about their right to cancel in a durable medium.  An email or a piece of paper is a durable medium, but 'phone calls or links within websites (or links sent by email) are not.  If the vendor does not provide the required information in a durable medium, the usual 14 day cancellation period is extended up to a maximum of one year and 14 days.   My understanding is that one of the pieces of information that the vendor is required to provide in a durable medium is that the purchaser  will be reponsible for return costs if they cancel the order, and if a return by "normal" postage is not possible, the vendor needs to state what the return costs will be.   I think what the OP is trying to do here is to argue that they want to cancel the purchase and that because the vendor did not explain about their cancelation rights in a durable medium then, (i) the cancelation period is extended up to a maximum of 379 days, and (ii) the vendor is responsible for paying the return costs.   Anton2244 - is that what you are trying to argue?   Whether my understanding of this aspect of the "distance selling regulations" is correct and whether they apply in this case I won't comment.  Nor will I comment on whether this is the best approach for Anton2244 to take as he also seems to be under the mistaken impression that because no cancelation informatoin was given in a durable medium then "no contract" can exist...    
    • I organised the postage myself via Packlink but parcel was organised by an associate in Hertfordshire.
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Lloyds current account and credit card

Please note that this topic has not had any new posts for the last 3640 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

My son has got into trouble with Lloyds.The info I'm about to give may not be accurate as Im guessing as to the true extent of the problem.


The current account and credit card were set up 3 years ago. He soon ran into problems with unauthorised averdraft fees, this he said was due to them taking out credit card payments from his current account thereby making him overdrawn.Apparently they would do this at different times in a month. Other direct debits were affected as well ,because of being overdrawn they returned the dd's and charged accordingly.


And so its gone on. He tells me the total debt is 2k and from what I can make out both accounts are still open and although he hasnt used either account for the last 3 months it looks like they're still charging for unpaid direct debits , although he says he has cancelled them.


I have advised him to open up a basic account with Barclays to have his wages paid in there.This he's done


We have moved to a new address but post is on re-direct from the old address.


The next thing I was going to suggest to him was to close the Lloyds accounts but after reading these forums that appears easier said than done.


The whole thing is an incredible mess, he hasn't kept paperwork.


So I have 2 questions


1/ What will happen if he completely ignores lloyds i.e does not inform them of change of address and pays no further money into either account.


2/ If the problem wont go away by doing question 1 what are the steps he ( I ) can take to stop the accounts and freeze any interest charges.


Thanks in advance

Link to post
Share on other sites



They would more than likely trash his Credit File and continue to attempt to collect any monies due.

He could write to them asking them to freeze any interest on the accounts and set up some sort of payment plan.


He will not be able to close the accounts without a '0' balance on them.


The charges on the Credit Card can be re-claimed , claiming from the Current Account is a different ball game.


Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Thanks for the reply Maroon


I have another question ,just an idea. As his father can I deal with them by saying he's buggered off and I would like to negotiate on his behalf.


Would they entertain an offer to clear the debt ?

Link to post
Share on other sites
Would they entertain an offer to clear the debt ?
Legally they would not be able to discuss the a/c because of the Data Protection Act unless your son informed them in writing that he was nominating you as his agent.

Anthrax alert at debt collectors caused by box of doughnuts


Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.


Vir prudens non contra ventum mingit



17 Port & Maritime Regiment RCT

Link to post
Share on other sites

After a bit more digging it turns out the credit card element of around 1400 has now been passed to BLS collections which I understand is part of Lloyds.


There is also a letter from another of their collections centers in Hove confirming the account has been closed but asking him to make alternative arrangements for any regular payments.


I thought you couldn't close an account unless there was a zero balance ??


It would appear that Hove have added on missed payments after saying the account was closed and then passed it on to BLS collections.


So I'm wondering if they'll now sell it off ?

Link to post
Share on other sites
  • 2 weeks later...

My son sent a letter to LTSB telling them that I was acting on his behalf - they talked to me after that.

Sounds like you will have to do SARs to get details of what has been happening.

Have you got the default notices? It makes a difference if they are valid or not.

Not sure whether a CCA request would do any good for a 2007 credit card.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...