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    • Sure, in the "particulars of claim" box on the moneyclaim site I have drafted the following;   I have an account with parcel2go.    On 30/12/2020 I sent a parcel, Reference P2G83629803, declared value £150, via parcel2go using the myhermes parcelshop service, costing £2.70.   Parcel P2G83629803 was subsequently identified as collected, shown in transit, and at depot on the Parcel2go website.   Following an enquiry by myself on 13/01/2021 a claim rereference (#1307639) was opened by parcel2go, and subsequently rejected on 28/01/202, on the grounds of not taking parcel protection.   I am claiming for the loss of the parcel which was not compensated for and the cost of the Service paid for - £152.70 in total.
    • What about the 300 payment I paid in December to stop repossession? And never defaulted since.    Just defaults off a previous year due to injury.    Car wouldn’t of been left there if I knew. How do I find out about a bill of sale?   I wouldn’t of left it there if they hadn’t made the arrangement with me. As I knew I would have the money to pay it by 18th March.     I have my car back now but it is damaged, which I’m going to have to pull out for. 
    • You cannot expect to claim any compensation for parcels which did arrive – even though they were delayed. That sounds a bit French to me. You can only recover compensation for parcels which were sent with them and which are lost. You say that there were 20 parcels. I think you need to give us more detail. I don't think we need a list of every parcel, but we do need to know how many parcels, whether the value was correctly declared, what was the declared value, when were they sent, and if you have you raised a complaint with. Which courier actually undertook the delivery?
    • The thing is, the administration has said there will be no payment coming.   "Unfortunately, whilst we have added your unsecured claim to the list of creditors within the Administration, regrettably due to the lack of funds in the Administration, there is no prospect of a dividend being paid to unsecured creditors. This means that notwithstanding your entitlement to Redress no payment towards your unsecured claim will be made. More detailed information on the reasons for this can be found in the Customer Redress Scheme and FAQs, which can be found by clicking on the link in paragraph 2 above."   So, I will obviously continiously beeing chased by UB or the debt collectors.   It was Unclebuck who emailed today saying the transferred the agreement to them
    • I'm sorry, but I don't really understand what you are referring to. Maybe you'd like to post up your particulars of claim again
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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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Hi,

 

Im new to the forum and have joined for help.

 

My credit file and score has been obliterated by payday loans and defaults.

 

I am about to engage in settling and cleaning up my credit file.

 

I figured i can negotiate with payday companies and all i want is to propose a reduced settlement figure in return for settlement of the debt and my credit record updated accordingly.

 

I intend to make an offer and have them send me a letter accepting the offer and agreeing to update my record.

Without receiving this letter i will not proceed.

Is this the best way to move forward. Have it in writing so I can prove they agreed to my requests incase they dont actually do it?

 

Also is there a time scale i can enforce from settling the account until my credit record is updated?

 

Cheers

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Hi no you cannot enforce any time limits on this, you should

also be aware that the credit file default entry will show satisfied

if a F&F settlement is made for an amount less than that owed and

that entry will remain on file as such for the remainder of the 6 year

life of the default.

Yes you must have written agreement before paying anything.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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surely a default and a F&F settlement of lesser value is still a settlement. If the creditor agrees? And if i settle the defaulted accounts will my credit score begin to improve.

 

Also how long after the defaults before creditors overlook them as i have many credit accounts that i still manage well.

 

My current score is 272

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No it is still a defaulted account that can be seen by potential lenders.

You start to rebuild a credit reputation in reality once the default entry

is removed after 6 years, then you must steadily build on by not making

numerous credit apps, having a low limit CC and paying it off in full each

month for starters.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I have 4 mobile contracts.

A 5k loan and

a £200 credit card which i manage in good order.

 

Plus I have a load of Payday loans settled satisfactorily.

 

If i keep my head down and stick with what i have,

will it at least come up enough so my bank will offer me a current account?

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Yes, just do not apply for any more credit!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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If i keep my head down and stick with what i have,

will it at least come up enough so my bank will offer me a current account?

 

I had loads of defaults but got a STEP account from Natwest ok - they have changed the name to basic account and think its the same otherwise - no cheque book or overdraft but thats good if you are building your credit score back up

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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That is a good account but be careful £1 over and the then watch out!!!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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That is a good account but be careful £1 over and the then watch out!!!!

 

i have gone over before with this account but if you correct the error by closr of business the same day then they dismiss the charge. I have full green lights on my credit file too for this acc. So if you act same day you will be ok

Credit Reference Agencies - not all details will show on all 3. So check all 3

 

Noddle (callcredit) free

https://www.noddle.co.uk/

 

£2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/statutory-report.html

 

Equifax

http://www.equifax.co.uk/Products/credit/statutory-report.html

 

 

If i help feel free to click star on my post. cheers

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