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    • When I said Europe wouldn't be pleased to see David Frost back, I didn't expect that within about a week of being appointed he would unilaterally extend the grace periods for goods travelling to N Ireland and risk legal action and damage to the UK's reputation in the world. It's quite concerning to me, but clearly not to the government, what's being said in NI by unionists and loyalists.   It's hard to believe he was our ambassador to Denmark when he behaves like a night club bouncer and only seems able to negotiate by confrontation.
    • Hi Scourge, No, no mentions of birdstrikes.  Their whole defence was blamed on fog which caused "uncontrollable" delays and cancellations and rearrangment of flights, spare aircraft ect.    All well and good but they failed spectacularly in transporting passengers as promised to these new arrangements.   Yes, the solicitors quoted £350 as cost of them preparing this defence.
    • Almost £100 a day for a courtesy car??? Sorry, but somebody has seen her coming and is treating her as an open cash till. Who recommended that?     If it seems muddled to you – then how do you think it feels to us when we are receiving this information third hand. I think that you want to get her to come here and to give us the story first hand and also as already suggested, I think that a carefully drawn diagram with a key as to whose who is essential. Having some kind of printed off map with Mr XXX and Mr ZZZ blah blah blah. On the basis of what we've been told, it appears to us that she was driving along minding our own business and then somebody who was parked on the same side but facing into the traffic pulled out directly in her line and she took avoiding action.   And this is shocking treatment as far as I'm concerned because apparently her own insurer is saying that they are stuck because they don't have evidence and so they are putting their hands up to another insurer/driver who presumably also doesn't have evidence. I think you are dealing with a lazy insurer that isn't really interested because they only involve the third party insurance – not comprehensive so that they know that they are going to take a particular loss so they're not bothered. Do we have any idea of what the other side story is? Or has that not been revealed to you? We can deal with this and we can help you challenge this and probably with a high chance of success – but we need better engagement. I understand that your sister is pregnant – but pregnancy isn't an illness – and I think that she would feel empowered if she got to grips with this directly. Certainly, what we need is better engagement and if it has to be you acting on her behalf – then the first thing you need to do is make sure you understand the story because if you don't then what snowflake's chance in hell do we have?
    • Just a moment of caution – have any of the papers at all which you have received referred to this mystery phone and phone line?
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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
      • 33 replies

My Payday hell will be over in 1 month!!!!!


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I thought I would share this as I am actually very excited about the prospect!!!!

 

My OH and myself had a lot of payday loans and by 25 October we will have 0!!!!! Here goes

 

Wonga - £600 loan - Now owe £350.00

WDA - £470 - Now owe £124.00

Lending Stream - £575 (2 x loans) - Now owe £80

Txt Loan - £300 - £0 balance

Paydayexpress - £200 - £0 balance

Swift - £200 - £0 balance

 

We have both worked o/time etc to make sure that these can be paid in full next month and then we will be free. One thing I have learnt is "if you cant afford it you cant have it" I would much rather live on beans on toast for the rest of my life then to full foul of these people ever again.

 

The really funny thing is that I am now getting calls at work regarding my "application" and they are all coming from PDL's that are paid off!!!!

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Aww that's brilliant news. Massive congratulations to you both. I'm just at the beginning of my journey (default day today) emailed all companies last week, 3 of 6 have agreed to repayment plans, just 3 more to get to agree! Can't wait til I'm

Payday loan free! By April next ear that should come!

 

Well done again, u are an inspiration

:-)

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Hope you get the last payments done okay - report the companies who are calling you at work.

 

brilliant well done and good luck to u and ur family and i too HAVE been living off beans and toast and i intend on celebrating getting rid of mine soon with a full roast lamb dinner and a bottle of wine ,good luck:lol::wink::whoo:

:violin::ban::lock1::bump::clock:
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Hi guys i am in payday hell next week i have 8 payday loans and they are due next week leaving me with no monies to pay rent or council tax or live

i paid all rollover last month and was left with nothing i sold loads of my stuff just to pay my rent i really can not go through this any more i am not sleeping

or eating any advice would be helpful dont know where to start from :(

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Excellent! Bet the relief is amazing.

 

Out of curiosity did you manage to set up payment plans with txt loan and PD Express for loan and one month charges? PDE wont play ball with me atall and I am offering to pay £200 loan over three months and txt loan agreed to a payment plan but for a loan of £100 & £17 interest, they want £175!

 

Congrats again x

[FONT=Comic Sans MS][SIZE=4][COLOR=magenta]C [COLOR=black]& [/COLOR][COLOR=blue]D :) [/COLOR][/COLOR][/SIZE][/FONT] [COLOR=black][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC[/B][COLOR=#000000]- Full settlement received & spent! £1,477.93 :-) [/COLOR][/COLOR][/FONT] [COLOR=mediumturquoise][FONT=Comic Sans MS][COLOR=mediumturquoise][B]HSBC claim 2![/B][/COLOR][COLOR=#000000] - Full settlement offer received 27/06 - £1,116 :) [/COLOR][/FONT] [FONT=Comic Sans MS][FONT=Comic Sans MS][COLOR=mediumturquoise][B]A&L[/B][/COLOR][COLOR=#000000] (for my Nan) - full settlement received on day of prelim hearing - approx £1500 :-)[/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Halifax[/B][/COLOR][COLOR=#000000] - (for a friend) - full settlement received 30/06 - £2576! :) [/COLOR][/FONT] [FONT=Comic Sans MS][COLOR=mediumturquoise][B]Barclays[/B][/COLOR][COLOR=#000000] - (for a friend) - Court forms were due to be submitted but he wants to wait for results of the court case with OFT[/COLOR][/FONT] [/FONT][/COLOR][/COLOR][FONT=Comic Sans MS][COLOR=#000000][B][COLOR=mediumturquoise]A&L[/COLOR][/B] - (for a friend) - court forms submitted - claim 'stayed' due to OFT case[/COLOR][/FONT]

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PDE were actually relatively easy, I had in mind and knew that I would have to live on beans on toast for a few months and managed to get them to agree to a 3 month plan of £70 x 2 and £60 x 1, with Txt loan I did the same thing but over 4 months and though I paid slightly more than 1 months interest in terms of their default charges because I just wanted it sorted and didnt want to go through the hassle of arguing for months on end they agreed.

 

I didnt actually give them much of an option with PDE as I made the payment before we defaulted to give a bit of backbone to my request. Also with calls at work, my colleagues are ace and gave each and everyone a piece of their minds and they didnt bother phoning back as it never got them anywhere!!!!!

 

Now counting down the days til freedom, L-Stream and WDA will be gone in 9 days and Wonga in 20 days :lol:

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