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    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
    • Thank you for your reply BankFodder and all advice.    Will do the SAR, as mentioned and reading customer service guide.    Thanks again.     
    • Send Firstport and SAR. Do it today. Read our customer services guide and implement the advice there in future. With any company. I expect my site team colleague @dx100uk will be along shortly to provide you with the help you need. Finally, please can you avoid posting in a solid block of text. It's very difficult to read and very unhelpful. Properly spaced and punctuated will encourage others to visit your thread and to give you the support that you need.
    • Hi. This is the first year I had to ask Firstport could I pay by instalments due to company/job closures. They agreed on the phone I could pay instalments. No record was sent or a payment plan put in place. I simply paid on their website by credit card. I paid different amounts and paid every month but I had a blip one month & couldn’t pay so carried on paying the months after. A refund arrived in another month so I ‘used’ that as my instalment. Suddenly 6 months into the year I received a letter from the debt co. PDC saying I owe extra money plus admin fees. They did not know it had been agreed that I was paying instalments so I told them this.  They then agreed it with FIRSTPORT. I then pointed out I had paid up to date. I received no notification from FIRSTPORT about anything being overdue until an email came a day later than the letter!  I’ve been battling with them since November and they just don’t listen. I don’t want their sympathy as everyone has a nightmare year. But I can’t pay them anymore than what I already have to.  Is this all legal ?  many thanks in advance for advice. Marion. 
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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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Advice please - 28 days nearly up & not heard

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I have done all the letters etc as your website has suggested. I regisitered my claim the usual route on MCOL and the serve date was 6th Sept. I heard from court/MCOL bods who state that HSBC/DG have 'acknowledged service' which then gives them an extra + 14 days to buy more time & build a defence. DG wrote to me on 20th Sept asking for a breakdown of my charges, which i duly faxed to them on 26th and phoned them. They rang me back on 26th and said they rec'd it.


I have now not heard anything from DG or HSBC since the letter. The 28 days from the original date is up tomorrow, 6th Oct.


What do i do if i have not heard from HSBC/DG? I understand that if they do not issue a defence to MCOL by tomorrow then i win by default. If they do issue a defence, does that mean i end up going to court? Would appreciate a bit of advice here. Do i have to contact MCOL tomorrow? Total amount i am claiming incl. £120 MCOL fee & 8% apr interest is about £2500


Sorry to sound a blonde divvy but im getting a bit nervous now, but im determined to see this through to the end. They did originally offer me £1700 after my LBA but i declined saying i would take it in part payment & would still go for the rest.




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Hi Chewlips,


I was in the same situation as you, then yesterday DG entered a defence on MCOL and then this morning I received a letter offering full settlement. So don't panic, I'm sure you'll get a letter from them within a day or two. If they don't enter a defence then you can proceed on MCOL and you win by default.


Good luck!


Full offer received and accepted 03/10/06

MCOL issued 01/09/06 Claim now up to 3715.85

Offered £1900 as full and final settlement - Declined

Claiming £2844.5 + £201.35 interest = £3045.85

S.A.R - (Subject Access Request) sent 27/7/06

Frustrated at waiting, Prelim sent 03/8/06

LBA sent 17/8/06



Prelim sent 28/09/06 caliming £345.00

S.A.R - (Subject Access Request) sent 23/8/06

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Hi, an update!


I thought that the 28 days were up on weds 4th oct, but apparently you are right, MCOL add 5 postage days so when i rang up MCOL helpdesk/line the lady said the deadline for HSBC to file a defence is today, Mon 9th. On Fri 6th last wk i rec'd a letter from Julie Kyle, DG offering the full amount i had asked for. I posted her a letter back & signed her copy of the letter. Not sure about the 'complete confidentiality' bit though, was thinking about contacting GMTV!!!!! Ive also asked for £75 additional charges back aswell since i started this, seeing as they are writing me a cheque hopefully! Should i ring Julie Kyle and see if she got my acceptance ltr, cant hurt i guess? I should imagine i will get sent the questionnaire as deadline is today - shall i give DG a set amount of time then if they dont play ball do & send the questionnaire?

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