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    • So you've been scammed by 1st credit already..nothing unusual there!!   you settled this loan since the issuance of the spc?   Dx
    • 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
    • sorry I could not get from the other person and back to you. I went back to my emails and found you. We live far away from everyone and my daughter lives in the attached cottage next door. The person the bailiff was looking for, used to live there 8 years ago. His name was Richard ---------------------  I never used to lock the door. He must have just walked in. The cottage has a sign saying " cottage". In order for him to get to my back door he had to go through a gate . It was approx 5pm.   Jilly
    • PRP - Pro Rata Payments. OC - Original Creditor.    I would go down PRP but doing PRP might default the accounts anyway so its difficult to say. And Youll get through this! Take every day one step at a time Being in debit isnt a crime  
    • Sorry to be thick here but PRP? Is that the term for pro rata? OC original creditor I presume?    My instinct tells me to not let the accounts default, so option 2 would be the best bet. In my position, would you be going down the pro rata route?    Haha I think I'll pass on F'ing you, but all CC are cut up yes!!    Thanks 👍
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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

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Hi everyone,


We are new to CAG but have found the information here invaluable - thank you everyone.


Our Picture Loan PPI was totally mis-sold to us about 4 years ago, we were pressurised to take the PPI cover (won't get the loan without it). I discovered the reality of the situation last month when I looked into covering the loan in with our standard Life Insurance, but when I called Picture (now Target) the advice that I was given was basically that it would be a waste of time cancelling their PPI as it only had a year to go and we were going to have to pay for it for the remaining term of the loan, which is another 6 years..! Talk about flabbergasted - a 5 year PPI on a 10 year loan, I never believed that we could ever have been so stupid :oops:


So thanks to CAG we investigated more, and realised that we are not stupid, we had just been kept in the dark, and only told what they thought they wanted us to hear so we would take the loan.


Well our initial questionnaire was completed about a week and a half ago and we sent it off to FSCS.

They must have been really on the ball, especially as the banks had just lost their appeal for PPI claims, and the Deloitte questionnaire arrived yesterday, and was completed today... so the countdown begins.


Does anyone have any advice/situations/further details that they can give me as to what to expect over the coming months? :?:


Good luck to everyone who is in the same situation.


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By the way happyhamr we put the name of the Insurance Company (I think it was AOW) into section E3 - I hope we were correct!


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