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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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i know its a pain when they ring but if you refuse to go through their stupid security questions, they wont even talk to you...i have endless fun with the so called questions...like why? who are they protecting? well those answers are in the public domain...i know a better one...what is my favorite colour? now thats a better security question...after they find it is costing em money they normally give up ringing..the other favorite is to answer and then go for a nice cup of tea whilst they wait endlessly on the phone...their are lots of ways of getting them to desist without getting stressed or worried about their calls...remember you didnt ask them to ring!!


lol i love the way you dealt with it :-D , wish i had done that now instead of letting it get me down.

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1st crud are well known on here for this tactic..of course the only way to be sure is to cca em and see what if anything they do have


I have a question my husband thinks that he may have got a ccj on this debt before of just after 1st credit got it, we have looked through documents but can't find anything that says he does, i have had a read through on here and am i correct in thinking that i can't cca them if there is a ccj on the debt ?


They will have a Sar this week

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Nothing stopping you sending a cca request but what do you hope to gain by doing so? He needs to find out if he does have a ccj. This can be done by searching on registry trust online I think.

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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Just do it what exactly have you got to lose - CCA the fools




Getting There Slowly



Advice is given freely but is in no way meant to be taken as Gospel:-)

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  • 3 years later...

We recently had a bustup with Nationwide about suddenly cutting our line of credit with no notice

and told them how disappointed we were and moved our banking elsewhere closing down all our day to day dealings with nationwide.



Still have overdraft with them which we were paying off.



This has not got to any default stages or anything so no reason to be chasing us *yet*.



We moved to a new address whilst all this was happening and nationwide had been sending us mail as usual.

This is over say 4mths or so. BTW



Nationwide couldnt give a stuff about our loyalty having been a customer of 15yrs, the customer service response was pretty much none existant and basically said tough, get stuffed!!


Heres the funny thing of interest NO ONE else knew this new address but nationwide as we hadnt registered for anything yet.



Yet today we get a fishing letter from 1st credit, PO BOX 278, Reigate RH2 7WB

saying they were attempting to contact us regarding a personal matter.

Now is this dirty tricks from Nationwide or some other reason that this could occur?


Either way they be getting £1 a week to clear the overdraft. They say we are all living longer so it will help.

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