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    • Hi, I am wondering if I should write a Letter of Action to Hermes regarding a stolen parcel? Below is a timeline of events:   20/11/21 – I sold a collectible item on eBay for £350   21/11/21 – The buyer pays   22/11/21 - I buy postage through Packlink and post via an Inpost locker. Regrettably, I did not purchase additional insurance.   25/11/21 – The buyer contacts me to ask for more tracking information as the tracking on eBay states the parcel has been delivered, but his partner had been home all day and no courier called. I track the parcel on the Hermes website, it states it has been delivered and there is an accompanying map with a pin at his address, along with photograph showing the parcel on his doorstep. I show this to the buyer, who insists there was no parcel on the step and that this has happened more than once recently with Hermes. He asks me to refund him and claim the money back from Hermes. I admit I was slightly suspicious at this point, so I told him to open a case with eBay as I wanted their guidance.   26/11/21 – The buyer opens an “item not received” case with eBay. I update the case with tracking information and details of what has happened.   28/11/21 – I raise an incident on the Hermes website.   29/11/21 – I receive an email from Hermes Support asking me to complete a Loss Claim Form, and for the buyer to complete a Denial Of Receipt form.   2/12/21 – The eBay case is automatically closed in my favour. However, the buyer immediately appeals and the decision is reversed. A full refund is given and deducted from my own funds.  Hermes Support email me acknowledging the completed claim form and state that it will be assessed within 28 working days.   13/12/21 – I chase Hermes for an update. No response.   29/12/21 – Hermes Support email me saying the proof of value I sent does not display the customers name and address. I email them back with one that does.   30/12/21 – Hermes Support email me apologising for the problem with my delivery and tell me I should speak directly to the client. I reply, stating I AM the client, and summarise the details of the initial claim. I receive a further reply telling me to pursue the matter with Inpost as they are regarded as the carrier. I questioned why they had opened a claim, sent me forms etc only to pass the buck almost a month later, but was met with a generic response. I then sent a detailed email to Inpost Customer Care, along with the supporting documents I’d sent to Hermes.   31/12/21 – Inpost Customer Care reply to my email and tell me it is in fact Packlink I need to raise a claim through.   1/1/22 – Claim opened with Packlink. They email me an Affidavit to complete. I complete the form and send it back along with all supporting evidence previously sent to Hermes (and Inpost!).   2/12/22 – A Packlink representative emails me to request the Affidavit again as I have not provided a handwritten signature. I reply, informing them that the signature was indeed handwritten.   12/1/22 – Packlink email me to say their investigation is complete and has been passed to the Claims department for the final evaluation.   19/1/22 – Packlink email me to confirm my compensation claim for loss has been accepted, and the amount of £25 plus the cost of postage will be refunded to my bank account.     I realise that I am in a bad position here, having not taken out extra insurance. However, Hermes own terms and conditions define a Safe Place as "a location which is not an exposed doorstep or otherwise in public view". Surely the courier is in breach of these terms by leaving a parcel unattended on a doorstep?   I have read through a few of these threads but can't find a similar situation where a parcel was stolen from outside a property. Any advice would be gratefully received.
    • I'm actually not sure on dates but all were before 2008 some accounts were probably opened before 2002. Other than contacting the DCA for the information. Egg was a loan for each of us and a credit card  Hoist and Moorcroft all store cards Lloyd's were credit cards Hfc was for a laptop  HSBC credit card Barclays bank I think was an overdraft 
    • So am I basically just now hoping  for the best, that the Sheriff knows his stuff!? 
    • Hi again uncle,   Tyvm for replying again. Well I'm not one to just sit around and wait. Which can be a real pain in the posterior tbh. So I put in a complaint against my homeless housing officer for ignoring my emails etc for over a month. As you know time is of the essence for me.   I received a phone call from his manager tonight, who was extremely apologetic and really nice tbh. The end result he would basically speak to my hho and speed things up for me and oversee my case now. He also promised me that me and my son would not be put in a local hostel as we are a family. This was something that was scaring the life out of me as I have heard sooooo many bad stories about the place. Oh he also said he wouldn't gatekeep me. Hmmm we shall see.   With regards to a doctors letter, I have got absolutely no chance! My doctor is not a very nice man. That's IMHO. I phoned him a while back telling him my mental health was spiralling out of control because of what is happening and he was like, "well it will, what do you expect?" and he can't/won't help me with my housing issues etc. It was basically put up and shut up off him.    Now my LL and I are on good terms and always have been. We did have a bit of a bumpy week or so when I originally received my illegal notice as I didn't believe anything his was telling me, but we solved that and have moved forward.    He is well aware that I am disabled, agoraphobic, and housebound as I have asked him if OT could put handrails, and a backdoor step in his house and also if I could install a chairlift. He said yes btw. So I really have no need of a doctors letter to him.   There is a list of HAs on the councils website and I have emailed everyone that was applicable to me. I have received only 4 replies to date and only 1 of them had an open list. The open one seem to only have 1 bedroomed properties upto now. But I will keep checking.   Is there anything else I can do? There must be so many things I'm missing out. I'm going mad just sitting around all the time and waiting for the days to pass by! Waiting for the 14th of February when my Section 21 runs out. Then knowing I have to wait again for my LL to take me to court for a possession order. Then probably waiting again for my LL then having to get the bailiffs in to get me out,  as the council will probably make me stay even though they say they won't.   I'm so sick of crying, having terrible terrible panic attacks, not eating, sleep up the wall, being sick, etc, etc.   Thanks again, Lava
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WONGA have wrecked my credit rating!

ann oid

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Hi all,

About 2 years ago i took out a wonga loan. The loan was repaid on the due date and all was fine. 2 years on i decided that i would use my Wonga account again as sometimes these loans can be very handy even though it is daylight robbery!

After contacting Wonga via email to reset my password as some of the questions they where asking i couldnt remember the response i got was to ring them and they could reset my passsword. After speaking to someone @ Wonga they said they would send the issue to Head Office for them to sort out but never had a reply.

After several attempts I finally logged into my account using my old login details

To my surprise when I logged in my account was showing that i owed £648 and my account was in arrears by 750+ days!!!

As you can imagine NOT HAPPY! So after emailing Wonga on several occasions i finally got an email back confirming my loan was repaid on the due date. After a few days i logged back into Wonga to find nothing had changed.

This has now been going on for 2 weeks and i am still trying to get a response from Wonga.

Them having my account in arrears for the past 2 years has certainly affected my credit rating!

I have asked them to provide proof that they have removed any markers they have placed on my credit files with whichever agencies they report to but I am getting no response and my online Wonga account is still showing the same.


Can anyone tell me where i stand legally as they have seriously affected not only my credit rating but my life as this is stopping me obtaining credit for other things elsewhere


A very ann oid member! Many Thanks

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Legally, you owe them nothing. For your credit recrod to be affected you need to check your file with all 3 CRAs to see what is said about you. If Wonga is showing a default (and there's no guarantee it will) then you need to contact them and request its immediate removal, as the data us inaccurate.

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