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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Sainsbury's loan - a couple of quick questions...??


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I have just received my annual loan statement from Sainsbury's - and am not happy.

 

My stated loan interestlink3.gif rate is supposed to be 7.35%

but, after having a look at the free loan payments calculators available online,

it looks like I'm actually paying at the rate of 8.02%.

This may not seem like very much more but, over the course of the loan, it will add up to around £700

- and better in my pocket than theirs!

 

Does anyone know what I should do?

 

Also, although I never thought I had PPIlink3.gif on this

- and indeed refused it during the telephone application,

the statement is somewhat confusing.

 

On the "Original amount of credit" part of the statement it has three *** after the amount.

 

The description applied to these *** later down the page states: "Inclusive of loan insurance where appropriate." What does this mean??

 

Thankyou!

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I have just received my annual loan statement from Sainsbury's - and am not happy. My stated loan interestlink3.gif rate is 7.35% but, after having a look at the free loan payments calculators online, it looks like I'm actually paying at the rate of 8.02%. This may not seem like much more but, over the course of the loan, it will add up to around £700 - and better in my pocket than their's! Does anyone know what I should do?

 

Also, although I never thought I had PPIlink3.gif on this, on the "Original amount of credit" part of the statement it has three *** after the amount, with the description of these *** later down the page stating: "Inclusive of loan insurance where appropriate." What does this mean??

 

Thankyou!

 

exactly what it say 'where appropriate'

 

you didn't have ppi so's its not approriate.

 

as for the int rate

 

http://www.taxassist.co.uk/loancalculator.php

 

dx

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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write and ask why?

 

dx

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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Share on other sites
  • 2 months later...

using our search top rigfht found:

 

ceo email lists the heads email address as justin.king@sainsburys.co .uk

 

dx

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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Share on other sites
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