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    • Hi - email submitted.   After some sleep (4am wake up yesterday - loooong day) I redrafted email to be a bit more readable whilst clearly stating the points above but being less aggressive/rude 😳    Being very tired I briefly considered just getting the repair and compensation (if they offered) but after some sleep and in the light of day I saw some further damage to the piping (minor, but there) on the same bit of arm so promptly hit send on my email! My sister also told me of her friend who had a whole host of problems trying to get damage on delivery fixed so I’m definitely not going down that road. I’m going for a replacement.    Will update as soon as I hear anything.   Thanks
    • DX - regarding the t&c- do you mean the bit at the very bottom that says "this agreement incorporates t&c set out in the long form version" ?   ill take this up with them in mediation, got nothing to lose   Just so i understand, that signed agreement isnt  actually the t&c ? that should be included too?
    • Thanks Andy. The judge made a big deal about the costs and spend a good 15-20 minutes making sure they had covered everything. 
    • The people conducting these reviews are human and do undertand if information is correct, especially in the current climate, and will work with you to rectify the situation - if any rectification is required.   Be pleasant and honest as it helps them to help you.
    • Would an ombudsman be able to help?   if so which one do I contact?
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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

capquest chasing old abbey loan

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Evening - been logging in regularly for help.


Would appear my Credit score has gone down. . . . . sorry, not sure what it measn, should I contact them?!



Thanks Jackson


Factors affecting your score:

1 Positive factors

You have no recent searches on your credit report

» See more

1 Negative factors

You have no successfully settled credit account

» See more

2 changes since last report

One or more settled accounts have recently been removed from your credit report

The average age of the accounts on your credit report has decrease

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Your credit score isn't going to be good for a while, if you have bad debts for whatever reason.

Doesn't worry me as I won't be borrowing money for a long time if ever, so I don't need a good score.

Unless one of the experts advises you to do so I wouldn't contact any DCA ever.

They will send letters for years, selling the debt on when they can't collect.

Most letters say we may....... which means it's unlikely they will.

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  • 1 month later...

Good afternoon,

I have had a statement through......it looks as though this is something that is required to be sent through but this is the first one that has been sent.


Dear Ms ,


We enclose your statement which is for your information only


Please fins enclosed your statement for your account******* This covers the period 3 Sep 09 - 31 May 14


Capquest purchased your account on 2 Sept 2009. As such, under the terms if the CCA we're required to send regular statements detailing any activity on your account. You'll receive one statement every year whilst your balance is outstanding






There is then a statement - Covering information already stated.

Then a page of FAQ.



Sorry to post again, just asking really if this is normal etc.....


Thanks and regards, your advice and support is always appreciated.



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std thing they have to send

if they own a debt




please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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