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    • I thought I would modify the wording of the particulars to reflect the partial refund, please let me know if there is anything I need to amend   Breach of contract and/or Conversion, unfair trading the claimant used the defendant's delivery service reference number 6200157247452489 to send a parcel containing a laptop computer value £719.10 to a UK address. The defendants damaged the parcel and then destroyed it with no warning to the claimant and without authority. The defendant's actions are Unfair Trading within the meaning of the Contract Protection of Unfair Trading Act 2008. The defendant partially reimbursed to the value of £300, as per insurance taken out by the claimant. The defendant refuses to reimburse any further. The claimant seeks £519.10, the remaining value of the laptop plus a maximum of £100 damages for conversion in the discretion of the court: total £519.10 – plus costs
    • sadly both yourself and HSBC do not understand how the hacking works. google pay IS CPA its not a DD. if it was a DD , where is the copy of the Direct debit mandate you signed...there isn't one ..   last break this down..   disputed payments - 4 November 2020 <> 3 February 2021 for the total amount of £2,621.44. The disputed transactions took place using four of your HSBC Debit Cards. - i doubt you said using 4 cards at all.   notice carefully they fail to mention what the you stated in post 1at ALL.   in November of last year, as when I was out shopping I found out my card had been suspended by HSBC. I was then contacted by the bank informing me that the account had been hacked, so HSBC then issued to me a replacement card.   but have said: The debit card ending 0297 was created on 23 August 2019 and was sent to the address we hold on file. The card was stopped on 17 December 2020  ...they are hiding something here ..a fatal bank mistake.   nothing HSBC has put actually means anything, it's all twaddle proving they have never even thought about CPA on card 1. even the Roblox IP comment and google play transactions can all be explained because....   i suggest all this stems from your sons gmail account being hacked, them being able to read all the emails in/out on the gmail online portal and thus being able to log-in to google pay , get the 1st cards details from funding source page..away they go.   all of the fraudulent transactions thus made via google pay to ebay etc and o2 or a account that got setup via the 1st card before it got cancelled in december....   pretty simple when you break it down.   rather than you typing things up it's much better to scan letters etc to pdf please. if and when you do SAR HSBC then all of the above can be proved.    
    • Good evening all.   I thought I would start a post here so others can follow it from start to finish to see how it all ends as reading posts on this forum have been invaluable to me so far and I want to contribute.   I'll deliberately leave specific details out due to the case still being open. I will say that the guitar is worth several thousand pounds.   At the start of April 2021 I booked a Hermes collection through Parcel2go, to return a guitar back to the store as I wanted a refund. The store policy where I purchased the instrument from is that you have to organise the return yourself. I usually use a more reputable courier but only two were available.   I did declare the instrument for it's true value but I did not take out the extra insurance offered as it was several hundred pounds and I knew Hermes would not pay out due to it being on their endless list of prohibited items.   My parcel went out for delivery over a week ago. Apparently it was not delivered. The tracking states it was later scanned again at the depot, where no further updates or changes have occurred.   Prior to collection I took photographs of the instrument, pre and post packaging so I can show that it was definitely properly packaged and labeled in case anything like this was to happen.   I have since contacted Hermes several times (impossible by phone, all done by the online assistant on their site and then email responses following on from that) and have finally been informed that they have lost it.   I have submitted a claim through Parcel2Go as this seems like standard procedure, plus Parcel2Go state they will investigate but I'm sure that's only asking Hermes where it is and getting the same answer. The payout offered is the basic £20 fee as standard by Hermes.   I have every intention of going as far as I can to get all of the true value back as I understand that they have a legal right to ensure that they do not lose or damage goods shipped. Any advice or guidance offered here could be the difference between achieving that goal or being very upset.   I will update you to let you know if anything changes.   Status right now: waiting to hear back from Parcel2go in regards to the claim    
    • You must rewspond to it and its best with a snotty letter.  
    • HSBC already say google pay is NOT CPA, DD= CPA, and they said the system not allow them to stop any google pay.   DX is not i dont want to listen to you, but they insist said anything set on phone is NOT CPA.    when i change the new card but the info on phone still keep old info, I did try before, i couldnt pay anything via the phone, so where gone wrong?
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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
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Should I just accept and move on?

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I opened a Natwest student account whilst at University mainly for the large overdraft that came with it and stopped spending on the account when I was approaching my overdraft limit.


I credited the account here and there when I remembered as my main banking is with another provider but more or less forgot to after I opened a joint account with my partner.


I received an e-mail from Natwest asking me to contact them and when I phoned they said they had been trying to contact me about my account

and I asked them to send me out details of my balance etc.


A few days later I received a yellow card from AIC who then informed me that Natwest was their client and that I should pay the debt to them.


I wasn’t happy to do this as felt it was unfair that after speaking with Natwest only a week prior to this that they had passed my debt to an external agent.


AIC offered me a settlement figure on my debt before Christmas to which I asked them if they would send it out in writing but I received nothing.


The next thing I know, I have a default on my credit file regarding the Natwest overdraft amount.


As this was dated January 2011, I assumed it was AIC that had auctioned it but they told me I would need to speak to Natwest

so I did and they said they would send me a letter detailing my complaint.


I later received a letter from Natwest saying that they understood I felt a default had been recorded against me unfairly

after I didn’t make payment to AIC since they would not confirm anything to me in writing and that they would investigate the matter and get back to me in 30 days.


Over 30 days passed and I had heard nothing from Natwest so I phoned to chase the issue and I was told that my complaint still hadn’t been assigned a case worker

but I was next on the list and that they would phone to let me know when my complaint had been assigned a case worker.


A few days passed with no phonecall but I received a letter to say they would not be upholding my complaint

as they had issued a final demand and default notification to me and so the default would stand.


However, they did say that that date of the default was wrong and they would amend it from January 2011 to August 2010.


My issues with this are that I have never received a final demand or default notice from Natwest

and that by changing the date of the default, it now looks like I have ignored this situation since August 2010 when infact I knew nothing about it.


I then phoned Natwest to say that I was unhappy about their decision and that I wanted to see the formal demand and default notice that they sent.


The woman said she would send copies as they had been manually raised on 11th July 2010. This conversation took place on 3rd May 2011.


Yesterday I phoned Natwest again as I have still received nothing from them

and the man I spoke to said he couldn’t guarantee they could send me the paperwork

even although the previous person said she would send it and he also said it was originally sent on the 8th of July

when I had been told the 11th of July.


I appreciate there is only a few days of a difference, however there is 5 months of a difference in the mistake they made with the default date

and I just feel that it is unfair for me to have to accept a default on my otherwise good credit file when I have received no warning of it.


My gut feel is that they have been sending paperwork to a previous address although I haven’t mentioned this to them

as they seem to be capable of giving AIC my current address and also sending responses to my complaint to my current address.


Can anyone advise how I should deal with this?


Is there anything I can do or do I just need to accept the default as if Natwest say they have sent the warning back in July 2010

then that’s good enough as far as they are concerned?

Edited by JacB
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can you please edit and add blank lines and sentences .


thank you



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The original post was split in to paragraphs and despite editing it several times it still posts as one big paragraph.Can you advise how this can be amended?

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as far as i can see they have done nothing wrong sadly


they are entitled to default you as you broke the T+C's of the agreement




AIC are Natwests internal DCA anyhow


someone is telling prokies to you [one and the same]


pers i think 90% of your issues are that there is no pasper trail


writing only is your best bet.


as for getting the default removed, if its a fair report, which its is, then not alot of hope


even if they had have written to you, would have cleared it?


this is what a judge will look at.



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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