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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

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Hi

 

Interesting article from the mail online re: Corrie star & B/R

 

http://www.dailymail.co.uk/tvshowbiz/article-2148555/Bevs-bust-Corrie-barmaid-Liz-McDonald-bankrupt-broke.html

 

The section relating to the interview she gave in March is perhaps a little poignant and probably strikes a chord with others who are suffering or going through similar problems with debt, bankruptcy etc

 

I suppose a message out of all this is...don't suffer in silence, you are definitely not alone, get advice as soon as possible, there are solutions and help is out there (preferably free of course)

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I really feel for her. I'm having counselling and I told my counsellor this week (based on the fact she is bound by confidentiality) but fell apart when I left the session and feel so ashamed that someone knows. I wish I hadn't told her. I thank the Lord I am not on the front page of a paper! I've read articles that the stigma of bankruptcy has gone and some say there is nothing to be ashamed of but that belief hasn't filtered through to my brain.

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I really feel for her. I'm having counselling and I told my counsellor this week (based on the fact she is bound by confidentiality) but fell apart when I left the session and feel so ashamed that someone knows. I wish I hadn't told her. I thank the Lord I am not on the front page of a paper! I've read articles that the stigma of bankruptcy has gone and some say there is nothing to be ashamed of but that belief hasn't filtered through to my brain.

 

Hi

 

Hey, there

 

Try not to worry yourself about this stigma thing or anything else to do with bankruptcy, its not the case anymore (and thats if it ever really was)

 

Things happen, can go wrong, more often than not due to circumstances beyond peoples control, nobody is immune to what could be round the corner. The banks and lenders dont excactly help at times, but always happy when they are raking it in.

 

Debt and finance is a well established way of life now in the capitalist system, money makes the world go round, the lenders have had the good times so has the ordinairy man I suppose you could say, lean times for many now but the cycle will come round again as it has done before.

 

There are millions of people in debt with many more set to face problems in the coming months and years, the main thing is to get things sorted for you and get other people through this, thats what matters.

 

Think of it this way too, there are probably millions of people also employed in dealing with finance and debt including employees at the O/R offices and debt charities if we are honest.

 

Nobody should be getting on their slippery high horses as far as people in debt are concerned.

 

You will be fine and keep posting any questions you like.

 

My opinions as always

Edited by Wintry
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