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have you a copy of the judgement and the claimform? i will bet the loans were already statute barred upon claim issuance 100's of like threads here use our search top right backdoor CCJ erudio stop talking on the phone to the fleecers too!
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a priority too. stop getting fleeced on debts you might not even owe or to a lesser extent be indebted to their owners for
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By theoldrouge · Posted
Absolutely the right way to go Yes it hurts to pay them more But an irl claim will likely get this back and a lot more You have reduced the interest rate on your loan, saved the cost and worry of a time order, and can now relax over your car Just remember you are now in control, the same can be achieved with all such creditors /dca's with time and effort Well done on getting this far -
So you've been scammed by 1st credit already..nothing unusual there!! you settled this loan since the issuance of the spc? Dx
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By Badgergirl25 · Posted
Hi, I took out a student loan in 1998 and 1999 which has not been paid. I wrote to tell Student Loans in 2011 that I changed address when I moved and I've never earned enough to pay the loan. The last deferral I made was in 2011. Today I get notification on my phone (same number from before 2011) that the debt was passed to Dryden in 2017 and a CCJ was issued last November in my old name and address. The debt has now grown to £4700. I have spoken to Dryden and all they can offer me is 30 days grace. I did contact the National Debtline who didn't really help. I know it was stupid of me to not get back in contact after I moved and I thought it got written off at age 50. (I'm 53) Any suggestions as this was a bit of a shock today and I am really panicking as to what to do. Thanks
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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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Advent Computer Training (Barclays Partner Finance)
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