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    • Thanks. As for their prohibited items list – in respect of items which are lost, it's completely irrelevant and unenforceable. However, the view we take is that if you declare a particular value and they undertake to carry your goods at that value then that is all you can recover. If you want to try and go for higher value then we are happy to help you but I don't fancy your chances but it would be interesting. Please spend the next few hours reading around the Hermes sub- forum and understanding the process about challenging Hermes, issuing a letter of claim and then issuing court papers. Understand also the process of bringing a small claim in the County Court. When you think that you know your way around then come back here and will help you on the next step. Once again, you're welcome to try and claim for the higher figure – but I think is most unlikely that you would succeed and in fact whereas most claims seem to go to mediation and get settled there, I suspect that if you claim for a higher amount that they would try their luck in court. However, you seem to be saying that so far in respect of your claim Hermes have been making positive noises and that they may pay you out on the basis of the insurance cover.  
    • the issuance of a Default notice was some +3yrs after the last acknowledgement through a deferral letter to the original creditor.   i thought a debt buyer could not issue a default notice? thus change the cause of action under the PRA DN ruling Win~ it was not retrospective appeal win?   i believe we've countered these late DN's before along the lines of:   alternative whereby claimant intimates SB date=defaulted date and that has been registered months/years after the last payment . 1 The Claimant's claim was issued on dd/mm/yyyy.    2.The date last payment/acknowledgement made was the dd/mm/yyyy     3.The Default Notice was issued dd/mm/yyyy and served several months/years after the initial breach thus the cause of action delayed by X months + years and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.    4.Therefore the Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any true cause of action for breach accrued for the benefit of the Claimant.    5.The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.   @andyorch your thoughts?
    • Formal claim has been made, I have been told it is covered, as its parts not a complete instrument. Its not prohibited, musical instruments are on their non compensated list.   my argument is i estimated the value of the drum shells as you would not normally know the value of them unless buying that part.   The replacement parts quote is £450. So yes i did under estimate the parts value.   I would hope they might consider that.   hope this make sense.  
    • So the debt is not statute barred as the claim was made even within the limitation of the Sept 2013 deferral regardless of the date of the default notice. There is no defence to the claim as far as I can see.
    • Thank you. If you declared £300 only as the value when you send them off then I'm afraid that that is all you will be to claim for. Why did you do that when you knew that they were so much more valuable? Of course the insurance cover you paid for was only for that value as well. Please read around this sub- forum very carefully at some of the other Hermes threads and see what we have to say about their lost items, their prohibited items list and their so-called insurance cover and how it is ridiculous to require you to insure them against their own negligence or criminality. I believe that one of the items on their prohibited items list is musical instruments and this may eventually be a basis for then denying liability. However we don't know yet. You haven't addressed the question as to whether or not you've put a formal claim into Hermes and whether they have responded.
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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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