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    • Minster are seriously a bunch of muppets if they think they could secure a court win on what they have currently provided document wise...still i am not going to be complacent 
    • Hey,   Just wanted to share a quick experience for a lost Hermes parcel worth a couple of hundred pounds. I accepted Hermes' offer to use mediation and was pleasantly surprised! I read all the threads on here and thanks to the Bankfodder's great advice I came in confident and with notes and was not prepared to reduce the claimed amount even by 10p.    Firstly Hermes stated that my item was not one that is normally covered and due to its fragile nature it is not compensated and secondly they gave the ordinary "you have not opted for insurance bla bla". These were their points and even before I started stating my arguments they were already out with an offer to cover the item value in full and the postage costs for it but NOT the small claim fee of 25 pounds. To me this sounded as a reasonable compromise since I got other things to do during the day. This 25 pounds compromise was about 5 percent  of the overall claim value so that was fine by me.    I went to mediation extremely sceptical having read some of the other ppl's experiences, but I'm glad to say mine took only 2 quick calls, everything was settled in no more than 20 minutes, the mediator was superb, extremely friendly, polite and with a sense of humour  and they just asked me to send my bank details in response to their upcoming email and that was that.    p.s -> I could feel the mediator was actually on my side a lil bit, but what reasonable person would side with such a shameful and honestly disgusting company anyway   All in all, I would highly recommend the experience for anyone who's still on fence regarding mediation. Open small claims against them Hermes mfs, make them pay, they are so aware of their unlawful approaches ! On my part, I will never ever use Hermes services ever. However, in fairness, this whole saga's been going on for two and a half months and I've lost so much time and effort and nerves on the matter that it was worth at least 10 times that settlement. I've been through 41 calls with them regarding the item and went to their depot twice to look for my item...   Have a great week guys/gals   Best
    • i see you have all the statements in the earlier post    pop welcome int rate in cell d15 of out CI sheet Latest Spreadsheets - PPI Claims and Charges Claims - Dec 2011 - Payment Protection Insurance (PPI) - Consumer Action Group   enter every penalty charges. on it date    
    • dx I manage to locate quite alot of paperwork from welcome sent previously - what am I looking for? Im a bit worried that they are going to start court proceedings after their letter last week, im not keen to send them bank statements   Hi peterbard this is a secured loan , i dont believe there is any policy in place   dx should I have sent an SAR to Welcome and Coast even though Coast had taken over the loan?  I have a pile of paperwork i have located thats about 2 reems of paper, from the SAR's I have sent previously.  There is a lot of information - the SAR requests more recently were sent on CDROM and were not accessible after a certain amount of time (i think the username and passcode expire or something)
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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
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    • 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
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HElp..Been Sacked What can they take from final Salary?


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Hi All Forum Friends

This si not for me but a friend of mine who is not a member.

We both work for a company who employee homeworkers..She has been released from a probation contract due to not fullfilling the company standards (thats the story anyway)..

Upon joing the company we have to buy a IP phone (£299) a line to be instaled (£159) then the monthly line rental talk talk (24.99) plus if we were to have any computer eqipment..

She have worked for them 8 months paying approx £65.00 which never appeared on any pay slips but that was the difference between my wage slip and what actually goes into the bank..

The contract I was on said I either get paid Min wage to the hours I worked or the commision, which ever was the greatest..

 

My question :- Final salary, as they relieved her of postion can they take all her final salary in theory leaving her with no salary for the month and ask her for more money to cover the difference on the outstanding monies on the equipment..She has said she would give everything back?

 

Sorry long winded but thought I'd get all the facts out first as she is a single mum trying to earn a crust..

 

Cheers

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Moved here.

So was the equipment being paid for monthly ?

What line was installed-a BT one ?

So the TT contract was paid and agreement made by your friend ?

Its a bit confusing ????????

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Easier to prob ask -was the iphone bought from them ?

Was the TT agreement taken out as a residential account and done by your friend ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Matin303..

Thank you for asking..Ill try my best

The equipment is paid for monthly..It is a requirn=ment when accepting the job offer to purchase from them..IE we cannot source chaper products or use own connects ETC

Yes the line was installed by BT but we pay the company not BT

NOT sure what u mean by TT..We pay EVERYTHING to the company back in instalments EXPECT the line rental, that goes to TALK TALK

 

I hope this helps..

IF not feel free to ask away

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I think I understand.

Just that I am not familiar with third party agreements in this context.

So they arranged for the connection of the BT line and you paid them the £159.00

I dont know where they get the £24.99 from for a line rental its nowhere near this price from Talk Talk.

So there is no contract between you and Talk Talk right ?

The line connection is also full retail price.

Well they can say that you have the benefit of the line now as it has been provided-I am assuming that a new line was put in and not simply an existing line reconnected ?

 

All this sounds a little ambiguous and to me creates an imbalance.

Any chance you can tell me the company-you can pm it if you dont want to post-I will see what I can find out and try and find their terms and conditions.

Perhaps then we can look if there are unfair contract terms and their rights to with hold these wages.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks Martin

I'll pm the company details..

We cannot use the line after as all bills are paid by the company so no contract between us and the supplier.

Best way to describe it is we pay the employer they pay the suppliers..

I would put money that there is a healthy Mark up

somewhere but that's not something we can prove, we had to agree the terms in order to get employed.

 

Worries are come pay day which is in 2 weeks she can end up with no money...

 

Acas cannot help ;(

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