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    • yes 10 is it that are still not 'accounted for' - possible the extra 6 billion? Seems likely that despite the already identified horrendous waste of taxpayer money, failure of competence, lying and crony-ism .. the worst may (likely is) yet be to come
    • We don't allow lawyers to promote themselves here so the advice we give will be from individuals who have experience of dealing with wills and probate/inheritance tax matters.   HB
    • Thanks. Yes I'm planning on speaking to a lawyer but wondered if any frequent here. Mum won't be living in her place once Dad passes as she is not very mobile, she'll be with our daughter who has a suitable room in the short term until we purchase another property. As far as she's concerned her property will be cleared and placed on the market as soon as Dad's passed. Partly due to it being too big and costly for her to keep running.
    • A few people are working hard to find out what contracts haven't been published yet, aren't they? It doesn't seem easy and I'm concerned that as HMG has been caught out, they will try to suppress ways that people are entitled to get information.
    • Hi.   I think you may need advice from a wills and probate lawyer on this, to make sure everything is right. especially given your father's problems.   If you want to do your own research, the CAB website is quite good and there may be others I don't know about.   One thing I can see a potential problem with and we're asked this a lot if you look around the General Legal forum, is your parents' house being transferred to you and your mother continuing to live there if she doesn't pay you a commercial rent. Have a read online about Retained Interest.   HB
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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 could anyone help please

 

i took a car loan out with car craft back in 2003/2004 for an astra at a cost of £5000

 

i came into some money at the end of 2004 and asked for a settlement fee which came to £14000

i paid this off as i wanted to be debt free

 

looking back now i realize that this was an extortionate amount to have to pay for a £5000 car but i was young

i remember being bullied into taking several extra things with the car but cant remember what they were

i am assuming this included ppi is there

 

i could now get a copy of sale agreement as i have moved and cannot find original

and woulsd i still be able to claim back any ppi after all this time if i was mis sold it?

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Hi Elzerbeth, Yes you can claim back your PPI, but you will need the details of it in order to work out what your due! I bought a car from Carcraft around the same time as you, but I made my payments to GE Capital who are now part of the Santander group. Who did you make your payments too? BP

Many of life’s failures are experienced by people who did not realize how close they were to success when they gave up. - Thomas Edison

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