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    • What the administrators are saying is that unsecured creditors, as you are for the £807, will receive nothing. If they used the £807 to reduce a different debt you owe to Unclebuck that would be the the same thing as paying you £807. Legally and financially reducing a different debt by £807 is exactly the same thing as paying you £807 in cash. The administrators are not allowed by law to do that. Frustrating for you I know, but the Administrators are correct.
    • The repossession people didn’t even knock on my door, I was home with my 2 children we would of heard, They took my car with bank card, shop keys and valuables in which I needed, if they had of knocked I would of sorted the money while they were there.    I will check bill of sale when I am back home will it be original one or should I have got another one?    as the paper work I have certainly doesn’t match. I did agree to lower amount but expected new paper work to sign which never come.       
    • 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
    • yes sorry i was confused that you had managed to get anything out of the administrators. we've not seen that and was surprised by it read that way.   your credit file is clear Conexus Recovery and Field Services Ltd - can be totally ignored. 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..
    • An online news and information service for the UK’s commercial and consumer credit industry. View the full article
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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

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Can anyone advise?

 

I wrote the standard PPI letter to GMAC (my previous mortgage company) and received a letter back from Paratus AMC stating that GMAC was a former company of theirs and that Paratus has not and does not nor provide advise on PPI therefore unable to to assist. They suggest I try the financial advisor who introduced us to the mortgage (as Paratus are washing their hands of this claim). The financial advisor has now ceased to trade so I could not go there if I wanted to. I am 90% certain I took out PPI with GMAC as I am unable to locate the paperwork for my mortgage.

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Hi

 

Your claim will be to whoever you were paying the premiums to.

 

If you haven't got your paperwork a SAR might reveal something.

 

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