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    • It looks as if you have been completely ripped off. I'm sorry about that but frankly I don't think there is much you can do – and believe me, it is not often that I say that on this forum. I think it's fairly clear that there has been a deception here and although it won't help massively, I would suggest that you report the crime to the police. They will try to say that is a civil matter and you will have to stick to your guns and say that no there's been a deception, that this man is selling cars in an unroadworthy condition and probably he is committing tax fraud offences as well. I'm afraid that there doesn't even evidence that you have the correct name. It seems entirely possible that such a person simply doesn't exist. I don't see any point in beginning a legal action because if you don't even have the correct name for this dealer, then a judgement recorded against his credit file will make absently no difference at all and you will simply incur the costs of bringing the claim. I doubt very much whether he would bother to respond to a claim or to put in a defence. If he did put in a defence then if you wanted to move on to the hearing stage you would have to pay another fee and this would simply put you even more out of pocket – probably to the tune of about £250 or so – and as it seems very unlikely that you could ever enforce the judgement, you would never get any of this money back. I'm sure you feel very bad and very upset. The only other thing you should do is start going around the review sites and putting up negative reviews about this person and his business – and business names. At least it will put other people on guard and you never know, you might stumble across other people who know more about him and actually know who he is. If you do decide to inform the police then you should tell the police that he is trading under a false name. In terms of your car, I'm afraid that the only way I can suggest to cut your losses is to have the work done. It means that you are £1000 down on the deal – but at least you will have a driving car. However, before doing that I would have the car thoroughly checked over to make sure that there aren't any other defects which are about to materialise which might eventually make the car is simply not economical to repair. You said that there was an MOT certificate in the glove box. Is it a recent MOT certificate? Are you able to speak with the previous owner at all?  Cagger @Daniel Hanson who has also bought a vehicle from the same person may be able to help you in this respect. It seems that he has been lucky enough not to have any problem so far with the car that he bought. I think at the very least, the lessons to be drawn from this are: Don't purchase a used car – or any car from a dealer who is far away from you make sure you check the car yourself make sure that the dealer is well established and do some research on forums and review sites for negative reviews and positive reviews. However, be suspicious of positive reviews. Don't pay cash/bank transfer. You lose all control of your money. Insist on paying by credit card or debit card and if the dealer won't accept it then walk away. Ignore warranties. They are meaningless and they are simply a red herring intended to distract you from your statutory rights. However, as you are discovering, even your statutory rights are meaningless if you are unable to identify the dealer and if you are able to identify any assets belonging to the dealer against which you could enforce judgement. Please do let us know how this develops and if you are able to track anybody down. As I say, I think you should certainly inform the police – but it will be a hard job to get them to take notice because they will simply try to say that it's a civil matter and there is no evidence of a crime. You will have to push hard.
    • That is one mean spirited individual, looks like what a Dickensian female Workhouse Beadle would look like.
    • I'll reply more fully  later as I'm about to go out. But meantime who was this person who you allowed to drive your car? How did you know him? Was he insured to drive your car? If you are to defend the matter we need to find out if you have a reasonable chance of success.
    • I think it particularly telling that overweight poopulist Tory **** whos worst experience on missing a meal is missing out on cake, biscuit and tea for elevensese between free breakfast and free lunch, and who voted as a decidedly overweight whole to leave British children hungry, STILL claim that its age and obesity, not their own policies and practices, that have generating the 'world beating' British death rates.   Perhaps they are leading up to claiming that them voting for children to go hungry was part of the health drive to reduce the childrens risk of catching Covid? Wouldn't put it past them.    
    • Anyway as Priti Patel says you can't go abroad for a holiday, and given the control freakery, soon have to Quarantine if you go to England from Wales or England to Scotland & back so Johnson stuffed🤣
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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
      • 31 replies

Looking for advise dealing with severn trent water

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Hi all,


I was hoping to get some advice about how I should proceed with STW and a dispute that I have with them.


Last year (2010) I asked STW to fit a water meter to my property, I could not remember the exact date, but I had an idea that it was sometime between June and September.


when I made this request I was informed that I could revert back to rateable value bills if I choose, I was advised that I could do this revert anytime within 12 months or within 30 days of me receiving (note they used the wording"you RECEIVE") my 2nd metered bill. Therefore AFTER I had an opportunity to access the difference between metered and rateable.


today I received a letter from STW, which prompted me to realise that I have not seen any bills from STW since changing to meter, which I thought was about 12 months ago. This letter was thanking me "for arranging to pay your account by payment plan using a water card". I have not made any such arrangement; I do, and have been for 4 years or so, pay my water bill by standing order every Friday.


The letter I received today laid out details of how much I had to pay each week from now on. I was horrified to discover that this weekly amount was to treble almost.


So I immediately phoned STW to advise them that I wished to revert back to rateable value bills, as a meter had trebled my bill.


I was told that I could not revert back because more than 12 months had passed since they fitted the meter, they informed me that they came and fitted the meter on 23/06/10, but they also admitted to me that the letter they sent to me confirming this change over was not sent until 25/09/10, so I pointed out that 12 months had not elapsed since this letter confirming the change to me, and when does the 12 months start counting from, I would argue that the 12 months should only start from the date that they confirmed this change in writing, they (of course) claim that the 12 months start from the date the meter was fitted.


So I turned my attention to the 2nd "condition" to me reverting back. The "30 days after receiving (that wording they used i.e. "receiving" is critical) my 2nd metered bill. I pointed out to them that I had not received any bill from them since having a meter installed, their response was "well they where sent in Nov 2010 and May 2011", so again I repeated myself, that I had not received ANY bill from them since changing, their attitude was "well we sent them so tough", we spend 15 minutes with me trying to explain to them the difference between the words sent and received.


After being passed to several "managers" their stance was still the same. More than 12 months have passed and we have sent 2 bills more than 30 days ago, to tough you cannot revert back to paying the rateable value waterbill (which is £120 pa less than the metered bill, hence my wish to revert back)


again I pointed out to them that I had not received any bills from them and that the first opportunity I had received to compare the 2 different rates was today, when I received this "thank you for trebling your bill letter"and that as far as I was concerned, firstly, the 12 month period does not start until I receive confirmation of the change in writing (25/09/2010) and that I also have until 30 days after I receive my 2nd bill (I still haven’t received the 1st one yet), so I informed them that if they would like to send my the 1st bill followed by the 2nd bill so we can start counting the 30 day period I have.


They informed me that they would not be changing their stance and if I did not pay the amount they now say I have to, that they would pass me on to their normal debt recovery system. I informed them that I would only be making payments up to the rateable value bill, and that as far as I am concerned this account is now in dispute, and it will stay in dispute until they stop trying to force me to have a water meter I do not want.


Anyone have any advice about what course of action I should now take? I intend to write to them outlining the above as explanation as to why the account is indispute. Am I correct in assuming that they cannot pass this to their debt collection department whilst this dispute remains?


Thanks in advance for any responces



Edited by mickmackpaddywack
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hi mick.

i am no expert.

when they installed my water meter , they sent me a date & time when they were fitting the meter & duly arrived on that day, 6 months later i got my half yearly bill, so i knew exactly what was going on ! surely when you requested a meter there was some corespondence between you.

your question reads as though you did not know the meter had been fitted untill the letter arrived in that case i would say you have every right to pursue the change back , in my case i am saving £300 for the last 3 years , but only 2 of us.

good luck

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