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    • If you were paying a solicitor up to £300 an hour and they asked you that question I'm certain that you would provide the information immediately without mucking around – apart from anything else to save yourself money. We are doing it for free but the value of the help we are giving you is the same and I expect that the quality of the advice we give is at least as good and probably better then you would receive from a professional solicitor. In order to give you some advice in a way that takes you forward and at the same time protects your interests, we would prefer to have as much information as possible and that includes understanding the extent of the damage for which you would like to claim. You have already started out suggesting that some of the items or property which was damaged were not new but yet you wanted to have new for old compensation. It's already been made clear by myself and by my site team colleague @Ethel Street that this probably wouldn't be possible that we would now like to explore further the nature of the items which were damaged and the recoverable values of those items. If you'd prefer not to provide us with that information then maybe you could just come out and say so. I'm not really sure why it should become an issue.
    • Thanks - I have started enquiries and will let you know how it goes!
    • "I've suggested twice that you list up the items which were damaged and costs and so far you haven't done that. I'm not sure why not." Cheers I've no problem posting up the list of damages but curious why this is relevant? 
    • Summary of Camerons being pulled up before the school board for getting caught:   1. He wanted to work for a fintech rather than a bank, but none of either would have him so he went to work for Greensill   2. Yes he lobbied desperately for taxpayer and NHS money while the firm was collapsing back into its natural state puddle of poo and wee, but he was refused - so no fault eh?   3. Would he do something different? - yes he would have picked a wind and piss ponzi company that would pay him loads of money that wasn't quite so close to collapse so his lobbying efforts would have more time and the issues be less obvious, so he would get the bucket loads of money promised him.
    • I've suggested twice that you list up the items which were damaged and costs and so far you haven't done that. I'm not sure why not. In terms of the liability of the gardener, it seems to me that there is a (negligence) duty of care owed by the person who was on your roof and I don't think there is any problem in establishing that. The fact that you are in Scotland doesn't pose any special difficulties – although in terms of the court procedure for this, this is something that I'm not especially clear about and frankly I think this website is a little weak on Scottish procedure. However, we will help you and it seems to me that your action is definitely against the gardener/person who was on your roof. In the event that you won't able to enforce the judgement against that person then I don't think they would be much difficulty in enforcing the judgement against the insurer because under the Contracts (Rights of Third Parties) Act 1999 you enjoy third-party contractual rights unless they are expressly excluded by the insurance contract – and that is unlikely to be the case here. I think the first thing to do would be to establish the liability of the gardener. Once the gardener realises that you are going to be pushing ahead with this claim, I would imagine that they would refer to their insurer pretty quickly. Of course that won't necessarily solve matters. You will find that dealing with the insurer is a slow business and they will try to reduce the size your claim – but we will help you deal with them as well. No point in standing any nonsense from an insurance company.
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 33 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
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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
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Hi all,


I'm Lynne, I'm brand new at posting to this forum, but have used lots of advice from it in the past few months to

Sort out my payday loan nightmare. I got new bank account, an emailed my lenders last week with my financial situation offerig a repayment plan of £30 per month with review in 6 months time.


I have a total of 6 loans (daft I know) and so far wonga and 1 month loan have been fantastic and accepted my repayment offer straight away. However I have not heard from payday express, except text msg today as their payment has been declined! But no reply

To my emails. Nothing from QQ or the loan store either. I will email them again as well as send a letter recorded delivery also.


My problem is with cash genie, they have anger me so much this morning. I hadn't heard from them until today (default day) they then emailed me -from a supposed senior accounts manager - the following email:

Dear member,


I am one of the senior account Managers here at Cash Genie and thought I would email you to inform you that your due payment today has in fact declined this morning.


This could be for a number of reasons which could include payment attempted too early, a new card being issued, a change in repayment date, to name just a few.


Unfortunately, without contact today, either by calling 0800 046 8121 or directly to my email, late fees will start from tomorrow. This is something I wish to avoid so please do call or email me directly today to discuss your account and I will do my best to make sure any late fees are prevented.


By contacting me, you will find that I am understanding and I am sure we can resolve any issues together.


If you have simply had a new card issued, then simply supply me the following information and I will update our records.


Card type:

Long card number:

Start date:

Expiry date:

Issue number (if applicable):

CV2 number (last 3 digits on the reverse of the card):

Name as it appears on the card:


Please also confirm if you wish to roll the account over or pay the full amount.


I will be in the office today until 5:30 PM but can answer any emails upon my return if I am not in the office, so please do take this opportunity to keep your account on track or discuss any problems you may have.


I look forward to hearing from you today and continuing our existing relationship




Kindest Regards



Collections Manager


I was silly enough to answer this so when they called me I answered expecting a pleasant conversation and negotiation of a repayment plan. I got the most unpleasant rude man called matt who was just pushing me as to why I had taken the loan knowing I couldn't repay, and also where I had got the info of repaying my balance plus one month interest. I explained I had researched and he said 'oh those forums, well that's rubbish'. He was sarcastic and rude and I eventually just hung up as I was shaking like a leaf. He tried to call back which I ignored then got a txt message from them explaining I would have to spk to them to arrange repayment. Not a chance.


I have emailed them explaining that I would not speak to them on the phone again due to their conduct an to contact me in writing only. Not heard anything else.


Have I dealt with this ok, or does anyboy have further advice on what to do next!


Sorry for the long post, I'm just a tad stressed and upset now, suppose I just need to stay strong


Lynne :-(

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u need sillygirls advice on this one im sure shel be along soon but mean while dont worry honestly all on here will advise you and it will all work out in the end but do not speak on the phone to them xx:?::violin:

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Get a complaint into


http://www.consumerdirect.gov.uk for the Office of Fair Trading



Barry is well known to both organisations and you need to let them know what they are saying. The original loan and one months interest has been proven in court and is not an internet myth as he likes to portray.

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