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    • Yes that sounds correct Commensurate use
    • I don’t have the details to hand, they’ll be on an old IDE hard disk from my old computer and I’ll need to buy an adapter to access those files.   But from memory, I think the case was around 2016 in an English county court. A lawyer was posting progress on a case he was working on, I can’t remember which forum, arguing that Erudios DAF forms breeched unfair contract law.   Erudio settled the matter out of court just before the case was heard when the lawyers client accepted an offer to backdate all his deferments and make changes to future DAF forms.   Very soon after all the posts relating to the case were removed from the forum, I suspect as part of the settlement deal with Erudio.   TBH I wasn’t sure at the time that I was going to be able to use this anyway, given that there was no ruling on the case to refer to.   I just wanted to make them aware that I knew they had granted deferment to somebody who hadn’t used their DAF.   I turned 50 in February 2018.   Strangely, I can’t find a copy of the default notice or their final response.   I say strangely because I have what I thought were all my Erudio letters in a file in date order.   I can only think therefore that they were sent by email and I did have a period were I had to switch email providers and email addresses because emails were being lost, and then when I switched the previous provider deleted everything.   I did manage to backup some of those emails before the previous provider deleted them, but again they would be on my old IDE hard disk, so I don’t have access to them right now.   Sorry I know this isn’t much help.   How essential are these letters?
    • Purchased an ipad from very . 4 weeks out of manufacturer warranty the item broke . APPLE would not replace ad it was out of warranty and said due to consumer rights may be able to get help from the retailer (VERY).   Very wanted a report from Apple before they would go any further . Due to COVID the apple shops have only just opened i have got a report which states there is an internal fault ipad is in excellent condition with no signs of external damage .   Very have said they will refund but less 20% because its been used . Is this right ? All I want is a replacement item I expect a £400 item to last longer than 12 and a half months.     Any help or info would be apreciated 
    • In fact even better, if you could get the property inspected by Social Services then I think that would be all you need. We can then see about taking any necessary action to recover your money – which would probably amount to bringing a legal action – as long as we can find them. Doing know whether they have offices or whether they are traceable? How did you pay? I think that you should get an independent inspection of the property to confirm its bad state of cleanliness. I suggested that if you could get another firm of cleaners in to give a statement then that would be a good idea and it would also be a good idea first of all to write to West Cheshire Facilities Management and put them on notice that you will be carrying out your own inspection and that if it incurs a fee that you will be looking to them for reimbursement of that fee as well as the cost of making good their substandard work.   I tried accessing their website but it doesn't seem to work at the moment. This is rather concerning
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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

Chez -v- HSBC

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Hi am in the process of sending my letter of today with my schedule. I just need to know if there is a way of keeping a log on this site of what stage am up to just so everyone can view how my claim is geting on and so that i can be reminded what my next steps are. Have i actually join the HSBC Group now not sure if i have done it right?


Your help would be really appreciated! :)


Many thanks


Chez :)

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Hi Chez you are in the right place. When you want to update with any progress you keep the same thread and reply to it yourself. If you want to check if you have joined HSBC group click on 'User CP' and somewhere near the bottom of the list you will see group memberships. Click there and it should show up.

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