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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

experian credit report is in triplicate!

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i pay a monthly subscription to experian, as i like to keep an eye on my rating etc.


a few years ago i had to declare myself bankrupt, and since then have been building up my credit rating to a point where i had reached the top rating of 999.

this was about a year ago. i didntcheck my report regularly from that time, as my circumstances hadn't changed. my debts (loans etc) amounted to around £18k and no payments had been missed or any defaults incurred.


you can imagine my surprise when i checked my report, to find that experian said i had debts amounting to £57,853!


i went through all the listed creditors, and found that all of them were listed three times.


i then checked my credit rating and found it had dropped down to 447!


i contacted experian for an explanation, and they sent a response which said that i had put my name and address in twice, so that was where the problem arose.

as i stated earlier, i joined experian quite a few years ago, so how i became listed twice is a mystery to me.


my question to the forum is, do i have a case for deformation?


i am not looking to take out any loans in the near future, except maybe for a car, but with my current rating, i could find it difficult through no fault of my own.


thanks for reading,



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If it was genuine error then IMO no. ( good ob you spotted it )

Maybe could get some compensation if you could prove you suffered as a result tho.!

Have they now corrected the error to your satisfaction?

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If it was genuine error then IMO no. ( good ob you spotted it )

Maybe could get some compensation if you could prove you suffered as a result tho.!

Have they now corrected the error to your satisfaction?


hi ray,


yes they have responded again, saying that they have deleted the duplicate entries.


unfortunately im in antigua at the moment, so cant check my credit score. hopefully, this will have reverted back to its original status.


i just found it incredible that these companys tell us how important it is to keep aware of our finances, by using them, and they end up ruining a perfectly good rating!


thanks for your response,



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