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    • So long story short.   I had a number of re-occurring loans with Unclebuck, I made a complaint in regards to my latest one back in 2019, got to an agreement to remove default markings and charges etc and just pay the principal. Didn't pay the outstanding amount due to personal reasons, being put on Furlough was one of them.   Saw that Unclebuck went into administration, made a redress application a couple of weeks ago, got awarded £807 for previous loans (not the latest one). So I contacted the administration to confirm they would pay the redress amount towards my outstanding balance, but they said they cannot do so?   How is that fair? I get they they can't pay me any cash, but surely they should be able to write off the current outstanding amount, it has to work both ways right? This was the latest response I got, so far no reply from their solicitor yet.   "Whilst I note your comments concerning your desire to set off Redress due in respect of unaffordable loans against your current loan that was not eligible for Redress, unfortunately the Administration precludes the position of set off until the Administrator makes a declaration under Rule 14.29 of the Insolvency Rules 2016. This declaration has not been made by the Administrators and will not be made as there is no distribution or intended dividend to be made to creditors in this particular Administration. Whilst I sympathise with your position, you will appreciate that the Administrators are governed by statute and cannot contract out of it.   I promise to speak to our solicitors to see if there is any room for manoeuvre on this matter and will come back to you afterwards, however I feel that it is unlikely. As you will appreciate making an exception for you may open the Administrators to claims from other customers in a similar position to yourself and indeed from other customers that do not have the benefit of another loan to set their Redress off against."   And to further add to it, I got an email today saying they transferred the loan to a collection field agency "Conexus Recovery and Field Services Ltd "  
    • Airline group IAG's call comes as it posts a huge annual loss after the pandemic grounded many flights. View the full article
    • Well as you're implying, UB, you're going to sign a better trade deal with a large economic bloc than with a small one, aren't you?   I don't think there's any chance of any deal based on a 'special relationship' while Biden's in the White House, but as I said I think Trump would have stitched us up in the end anyway.
    • Atleast 7 years, but they have already done some of the work. I think Liam Fox started this a few years ago.   My guess is that it will take 3 to 4 years before a proper trade deal is signed. There might be a mini trade deal before then limited to a few sectors.   The issue for the Brexit supporters might be when the EU and US sign a trade deal, before there is a UK/US deal. And when this finally happens UK only obtains same deal as EU. There is no reason for US to agree better terms with the UK and they would not do so  because US sees UK as part of Europe.
    • English school leaders despair over new rules on Covid tests and  masks   https://www.theguardian.com/education/2021/feb/25/english-school-leaders-despair-at-soft-line-on-covid-tests-and-masks
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • 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!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • 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
      • 33 replies

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Just had my first run in with vinci on a private road not a million miles from a well known highrise in the east of London , will of course follow the advice of this forum , just a quick question ,

How tenacious are they , how many threatograms should I expect before they give up. :wink:

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RK has now had 3rd letter and has given in to pressure , even though pointed towards this forum ,and is passing on driver details to roxbums / soball/ *hite .so the saga continues

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RK has now had 3rd letter and has given in to pressure , even though pointed towards this forum ,and is passing on driver details to roxbums / soball/ *hite .so the saga continues

 

 

That's OK - for a minute there I thought you were gonna say the keeper had paid! :shock:

 

Just means you get to ignore the threatograms yourself; no problem.

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  • 9 months later...

Ah Roxbuggers seem to have obtained my phone number after 10 months , and have started to try to hassle me , so the fun resumes , need a good selection of music on hold to feed them , ideas ?

Edited by sparkeyrjp
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There's also that Lil' Kim classic - Suck my D***

 

But with these types its most likely to get the message across!

 

Alternately the mobile company Giff Gaff has a PAYG monthly package that gives you minute for minute credit for incoming calls - might be worthwhile if your really like to stretch arguments.

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