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    • When I get my order confirmation  it does say guide price with a red * beside it and at the bottom of the order says the price you’ll be charged is the price on the day of delivery or collection.
    • OK.  It is highly likely that you will get your money back and the recording will have helped you.   The way that Hermes work on these cases is that they normally try to stall you and to test your resolve.   If it goes the normal way, they will file an acknowledgment of service within the 14 day limit and that will then buy them a further 14 days. Towards the end of the 14 days they will then file their  defence. At that point you will have to make a decision whether or not to pay your further fee in order to go on to have a hearing. For the value you are claiming the fee will be about £80 although you need to check the county court website to be sure.   In their defence, Hermes will have indicated that they are prepared to go to mediation. Please read up what we have to say about mediation. Hermes will treat this as an opportunity to try and beat you down and to reduce the amount that they have to pay you. as long as you stand by your guns, they will eventually back down and they will pay you your entire claim including the fees in order to avoid going to to a hearing.   It is in respect of the mediation  the recording that you have will be helpful. Let me say that Trading Standards are wrong because in terms of establishing any legal right to the money, the recording is not relevant although it might sway a judge in your favour.   The real issues here are that you entrusted Hermes with your property for a fee and they breached the contract by their negligence and damaged it.   Frankly you didn't need to insure it because customers shouldn't need to insure against the supplier's negligence - but you did get insurance and that will place extra pressure o Hermes to settle for the full amount.   The other element which concerns me is that Hermes now take it upon themselves apparently to destroy other people's property when they themselves have damaged it through their own negligence. I don't think that they have the right to do this and it is very easy for them to try and avoid liability of losing something by then saying that it was damaged and so they destroyed ir - and without presenting any evidence of the damage or of the  destroying of the item.   Hermes are disreputable and people should avoid them.   Please read up on the Hermes threads and about small claims in the County Court and about mediation. We will be happy to help you all the way but I would point out to you that you have made 17 posts and taen up a considerable amount of useful time simply trying to get you to tell us the story and to post up some important documents. It was all so unnecessary.   I have read your claim form but it has now been hidden in order to protect you as you had left your personal details on it.   I suggest that you redact documents in the future.   Feel free to ask questions as you go along.   By the way, the 14 day period runs fro the date of deemed service of the claim which is about   2 days from the date of issue.   You issued on the 27th.  So count 14 from the 30th.  Monitor the Moneyclaim site closely and apply for judgment the moment it lets you. You never know, there is a remote chance that they may nor file an AOS - very remote.   There is also a remote chance that they may pay you out in order to get you to withdraw the claim.  The recording may have helped if they do.   Keep us updated
    • to prove I actually sold the car. I have resolved to go to court and the SAR shows all the notes on the account. The fraud department flagged this and despite all entreaties, they refused to release the money. The buyer has send across a screenshot of his bank statement and I have the sales receipt showing I sold the car. I have also asked DVLA for confirmation.    Do you know which legislation I can rely on please and which forms to use as I think I have all I need to show proof of legitimacy i.e.   1. Sales receipt (Issued by me to buyer) 2. Bank statement Screenshot (showing payment) and letter from buyer confirming they purchased the car. 3. Letters to CEO and their responses 4. SAR 5. Cover Note.    it has passed 80 days now and I believe if the NCA is involved it should show up in the SAR, in any event I don't mind engaging relevant authorities and showing the proof and transaction history.    thanks B-Bunch
    • Reading BN's man Richard North this morning, he's unimpressed with the new FTA with Japan.   https://www.turbulenttimes.co.uk/news/brexit/brexit-a-deal-we-can-do-without/
    • Read up on European Enforcement Orders and whether these can still be used in Brexit transition.   As you have come to realise buying online with a co.uk company can be risky, if they are foreign, with only a care of registered address in the UK.    
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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I am new to this, but need to find out if it is best to try and manage my debts myself or to use Payplan? Do creditors respond more favourably to companies such as Payplan? Any advice on this would be appreciated.

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They will definitely respond better to Payplan or CCCS. My advice is to get them to set up your DMP then go it alone a few months later. It gives you a breath from the stress your bound to be facing and gets you in the habit of making payments, creating budgets, etc.

 

Good luck!

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Good advice from BSC. They are more ready to accept from a company like that as they produce a CFS as your IE sheet which carries a lot more weight than any IE sheet you could download from the net.

Horses and I are one!

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Payplan are really good and its free no up front fees to pay and you can do it all online if you wish / they always phone back if you ask and you are made to feel at ease they will take control all you need to do is give them all your finance and income etc details and the do the rest...good luck your not alone :)

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It's swings and roundabouts in terms of pros and cons. If you go with Payplan, they do much of the legwork for you, you pay one simple monthly payment which they distribute, they may, however, need chasing up about things like freezing interest and charges.

 

If you go by yourself, Cash Flow will give your IE sheet the same level of credibility as a CFS from Payplan or any other DMP provider. The disadvantage is that you do everything yourself; however, a huge advantage is that you retain total control over your money and who gets what. This means that if one creditor decides to play awkward, you can apply a certain amount of direct leverage on them to change their minds. If they don't, you keep a record of your reasonable offers which have been refused and make token payments as a goodwill gesture.

 

It really depends how much control you want. Before Cash Flow came in I'd have said get things accepted by a known name, then after say 6 months, look to manage things yourself. However, Cash Flow has changed the picture here quite dramatically meaning your IE sheet can carry as much weight as one from an organisation like Payplan.

 

All we can do is point out the advantages and disadvantages of each, but ultimately, it has to be your decision.

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Sorry to ask but what is Cashflow ??

I have tried to download the imoneymanager but the link doesn't work, so I wondered if it had been taken down.

I am a friend of Markantony and just to let you know he did go to payplan and found them brilliant.

He was just about to sign up to a fee paying company but with the help of a thread on here I managed to persuade him not to make the same mistake as me. Thanks Nancy

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Sorry to ask but what is Cashflow ??

I have tried to download the imoneymanager but the link doesn't work, so I wondered if it had been taken down.

I am a friend of Markantony and just to let you know he did go to payplan and found them brilliant.

He was just about to sign up to a fee paying company but with the help of a thread on here I managed to persuade him not to make the same mistake as me. Thanks Nancy

 

Hi nancy

 

Have a look here -

 

http://www.cashflow.uk.net/

 

http://www.moneyadvicetrust.org/images/CASHflow%20Evaluation%20Phase%202%20FINAL.pdf

Edited by Wintry
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Many thanks Wintry this looks great and could be helpful to me, I will look into it tomorrow .

 

Hi nancy

 

I am a big fan of Assisted Debt Management and I am of the opinion that this type of system definitely has its place, however a word of caution is that it will not suit everybody and there can be clear benefits if an organisation does all the work for you (preferably the genuine free ones such as CCCS & Payplan)

 

Knowledge is power though in this game and the creditors even win with Assisted Self Help Debt Management Plans as there are no fees or 'kickbacks' if you like (sorry CCCS & Payplan:)) involved, however as always with informal DMPs the question is... will all creditors 'play the game?

 

I heard a rumour about a year ago that the CASHflow people were looking at a creditor payment distribution system with a well known provider however I dont think anything came of it though...shame as that would definitely help.

 

Ghost's post #7 sums it up rather well in my opinion, and rightly says that it has to be your call at the end of the day.

 

Best wishes

Edited by Wintry
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Just to let you all know that I decided to go it alone. I wrote to all five of my creditors and explained that my circumstances had changed drastically, and I no longer had a decent disposable income, none of them asked me for any more details or for an I & E breakdown and all of them have accepted my token offer of £5 per month.

 

Thankfully now all the telephone calls have ceased and those ominous envelopes have stopped arriving.

 

My whole outlook seems much better and the relief is brilliant. I know it's going to take me years to get it all sorted and my credit rating has been trashed but if I had got things in motion from the very outset I may have salvaged that.

 

So, to all of you who are worried about getting back on the straight and narrow, start writing those letters.. I don't know if it made any difference or not but all the letters I sent, I wrote out by hand, I didn't use my signature as the cag advised and this was not mentioned at all.

 

Thanks to all on here who offered me their advice... don't know what I would have done without you...

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There is no reason why you can't keep control and do things by yourself. Over the years I have helped hundreds to do just this. I mentioned Cashflow as it provides an alternative route that many are still unaware of as it has not been widely publicised. The great thing about managing your own DMP is that you control all the strings. I think you've got the options, just need to have a think and decide which way you want to go now. Whichever way you choose, you'll get all the support in the world on here I'm sure.

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:oops:Thank You Wintry ..something (else) to think about ..brain is slightly overloading at the moment but as you say knowledge is power (as in most things)

Nancy Brain-ache :-D

 

Hi nancy

 

You are more than welcome.

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There is no reason why you can't keep control and do things by yourself. Over the years I have helped hundreds to do just this. I mentioned Cashflow as it provides an alternative route that many are still unaware of as it has not been widely publicised. The great thing about managing your own DMP is that you control all the strings. I think you've got the options, just need to have a think and decide which way you want to go now. Whichever way you choose, you'll get all the support in the world on here I'm sure.

 

I hope you didn't get me wrong "ghost" I did start up with a dmp last year but they screwed me around and I stopped as they were taking more for themselves than they were paying off my debts. Then I looked again at some of them but lost my bottle.. so I just took the bull by the horns and wrote off to all the companies I owed to...

 

I sincerely hope my thread hasn't offended any of you who help others with their debts as that wasn't what I set out to do. I'm absolutely sure you give help and confidence to many people. I am really glad there are people like you on here... this site has helped me with many other problems I have and I will continue to ask you all for help whenever I can..

 

Jan xxx :oops:

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I hope you didn't get me wrong "ghost" I did start up with a dmp last year but they screwed me around and I stopped as they were taking more for themselves than they were paying off my debts. Then I looked again at some of them but lost my bottle.. so I just took the bull by the horns and wrote off to all the companies I owed to...

 

I sincerely hope my thread hasn't offended any of you who help others with their debts as that wasn't what I set out to do. I'm absolutely sure you give help and confidence to many people. I am really glad there are people like you on here... this site has helped me with many other problems I have and I will continue to ask you all for help whenever I can..

 

Jan xxx :oops:

I am sure your post wasn't taken any other way than the way I took it, as a very encouraging helpful message...and here is an icon for you :whoo:

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Hahaha oooh nooo x

 

Hi nancy

 

Payplan...

 

A charity...

 

FCLtd /Payplan.... a charity?

 

Really?

 

Since when?

 

Someone please enlighten me?

 

Seriously?

 

I suppose you have to laugh.

Edited by Wintry
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Hi Nancysmile - sorry been away for a few days so just picked this up. Please don't worry about me getting offended - Ghosts don't have feelings! lol

Hello Ghost ..I didn't think you would be offended I think Dorishaslop was worried you may have been :O)

I am sure Ghosts have some feeling hahaha

Nancy

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