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    • Who actually carried the items? Was it Hermes? I understand that you declared that they were loudspeakers and that before you enter the contract you were told that they would be protected for loss only and so you took out an insurance to cover that risk – is this correct? I'm afraid that if that is correct then there is probably very little you can do. Was it provided to in writing that these would be protected for loss only?   
    • Hi Peter,   I recall Barclays required the account to be brought under a stated threshold. I presume that the failure to comply would allow immediate payment and the filing of a default.?  
    • Peter,   I thought overdrafts were payable on demand ?  
    • I'm sorry but this may be a long post but I really need some advice : My son has been working on a fixed term, claims based contract which usually finishes at the the beginning of January and then employees are asked back.. Unfortunately I was sent home from work to self isolate due to being in contact with a positive contact .I then started to feel unwell and sent for a test which unfortunately came back positive so my son had to also isolate. During this time he had kept his employers informed that he was having to self isolate and that I had received a positive and he had ordered a test and was being tested. (which actually came back positive) This is where it starts to go wrong ,although he had contacted work and gave the names of the colleagues who he had been in contact he sent an email (or so he thought) informing them that he was positive .It was not until he returned to work that he realised that the email was sitting in drafts. The app said that he had to isolate until 28th (he went to work on 28th) which he showed them when he got to work, however it does say that you have to isolate 10 days from the test or from when you start displaying symptoms so he had been isolating for 14/15 days. He was sent home as no one was aware of his test result and was told that the manager would contact him to arrange to speak to him but she was currently on holiday. He sent an email explaining all the time lines .He did not hear anything back until last week asking him what shifts he would be available for in the new year, all good we thought but then he received a letter yesterday stating  "After a thorough investigation relating to your conduct upon receiving a positive COVID-19 test result, the decision has been made not to offer you further employment " He replied saying that he did not know that there had been an investigation and requested the copies of the investigation. The reply was " "as you are not currently in the employ of ---------------there is no legal requirement for me to provide evidence for this. However in light of your request for information, the following informed the final decision:" The absence of communication with a manager upon confirmation of a positive COVID-19 result The absence of communication with a manager to arrange your return to work following a positive COVID-19 test result The high level of risk to people and business associated with the two points above The approach to communication with colleagues and management upon your return to work We have a duty of care to protect our employees and members of the public, and as we continue operating within this pandemic we must be able to fully trust our team to follow correct procedures at all times. Can anyone help please ? Do they not have to provide evidence especially he was not given the opportunity to defend himself.
    • Hey guys - I've read a fair few of the Hermes related posts but hoping you can guide me here.   I paid Parcel2Go to ship 2 speakers to me, via ParcelForce from an ebay seller (Value £170 + £33 shipping) I stated on the form it was 2 speakers, and having been told that these were protected for loss only, I took out their insurance (£9 cost) The seller packed them according to their packaging tips page - two layers of corrugated cardboard and some corrugated plastic cushioning (4 layers).    They arrived badly damaged - the base smashed on one, cracked on the other. Dents on both. Looks like they had been dropped several times from a reasonable height.   Parcel2Go are now saying that they class these as Musical Instruments and that they must be packed in a hard case.  As such they will not pay anything towards the damage. After searching through several pages, and buried links, I've have found this in their terms but its buried pretty deep, and wasn't at all clear in any correspondence, or during the booking process.   Do I have a leg to stand on in terms of making a claim in small claims court? Really disappointed in the terrible handling of both the parcels and the complaints process.   Thanks for any advice - its very much appreciated.    
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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,

 

I'm new on here, hope you can help :-D

 

Some weeks ago I posted my PPI reclaim documents to my bank (NatWest) and a few days later I received a text message from RBS saying,

 

"Thank you for letting us know about your concerns regarding your PPI policy. We will acknowledge receiept in writing within the next 5 working days."

 

This was about 5 weeks ago, since then I've heard nothing. Not received any written acknowledgement, email or any other texts. Is this normal?

What should I do now? It seems from the text I received that they have got my documents but since then nothing has been actioned. Should I give them more time or should I chase this up? (who do I speak to?)

 

Hope one of you guys could help me with this.

 

Thanks for your time.

 

Ginger.

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Hi

 

Having acknowledged receipt of your claim they have 8 weeks to investigate and give you a final decision.

 

I'd wait the 8 weeks they are allowed and if nothing has happened then you put the screws on.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

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Hi,

 

Many thanks for your reply.

 

OK, yes, I'll wait the eight weeks for an answer back from them but do you think that as I haven't received any written confirmation from them that's it's a sign that they are not willing to take my complaint any further?

 

Thanks again,

 

Ginger.

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Not necessarily.

 

Hang on to the text you received as that is an acknowledgement of your claim.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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  • 2 weeks later...

Hi,

 

It has now been 6 weeks since I received a text from RBS (7 weeks since I actually sent my documentation) to say they have received my claim for PPI. The text said that I would hear again from them within 5 working days with written acknowledgement of the receipt. I have not had any confirmation from the bank since I received that text.

 

 

  • Why did I receive a text from RBS when it is actually Natwest that I am claiming back PPI from?

 

  • Should I contact the bank to advise that I have not received written confirmation from them?

 

  • As they have 8 weeks to reply, should I just sit-it-out until the 8 weeks are up?

Any help with this is greatly appreciated.

Regards,

Chris.

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RBS owns natwest.

 

If they have 8 weeks to reply, then wait for those 8 weeks to be up. Then consider further action.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi,

 

It's been about 8 weeks since I completed my PPI forms and sent these away (recorded delivery). A few days later I did receive a text to say that my forms had been received and that I would get a written receipt of acknowledgement (I never got any written receipt).

 

As I have not heard anything from the bank with regards my PPI reclaim enquiry what course of action do I take now? It seems very strange that hey would send me a text to say they had the form but then take no action over it.

 

As always, any help is greatly appreciated.

 

Regards,

 

Chris.

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Send them a reminder letter saying they are over the time limit allowed and that you now expect a full response within 14 days or else you will lodge the complaint with fos.

 

Who is the lender?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Hi ims21

 

Thanks for your reply.

 

Just a bit of an update: Today I receive a written acknowledgement of my claim for my PPI but get this, the date on the letter is August 9th!

 

Sheesh! :-x

 

I may still send them a letter outlining the fact that their time is just about up!

 

Cheers again,

 

Chris.

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Hi Chris, they were like this with my SAR request until I reported them to ICO now they have miraculously found all my data including agreements, They have also sent me the same text but they still have a few weeks left. I'd definately follow the advice of sending a reminder letter and if you do report them to FOS send them another letter telling them you have. This is what i did with ICO and they acted upon it before ICO even had chance to contact them. I've found that with these companies if they realise you don't make idle threats they are more likely to take you a little more seriously. Good luck with your claim :-)

Lisa

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Hi Lisa,

 

Thanks for your reply.

 

I have amended my letter of complaint to include information on the letter of the acknowledgement that I only received yesterday (that is dated 09/08/2012).

As they have a week until their allotted 8 week resolution period is up, I might wait until the end of this week until I send my complaint letter to them and to FOS.

I'll keep you posted...

 

Thanks for your help again :-D

 

Chris.

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Hi,

 

Update.

 

Having only received their written acknowledgement on Saturday of the documents I sent to them 7weeks ago(!) I today received the banks decision.

 

No. They have decided not to uphold my concerns about the way PPI was sold to me.

They sent me a whole load of photocopied documents from the time I took out the policy (what I signed and ticked for at the time) along with a dossier containing - my concerns, their investigation, the mortgage offer, specific complaint points, their decision and what I can do next.

 

 

Essentially, what they are saying is that I made an informed decision to proceed with the insurance on the remortgage and I knew what I was signing for.

 

Ah well, looks like 'I'm bang to rights' eh? Don't think it would be worth taking to the FOS as it looks like the evidence is heavily stacked against me.

 

Anyways, good luck to everyone else, thanks for all your help with my case.

 

Regards,

 

Chris.

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What were the reasons you gave for the mis-sale?

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Hi ims21,

 

I was strongly advised to go for the protection and I really thought that it was something that came with the remortgage. It was sold to me like it was a condition of the loan.

In reality, I know it's my word against theirs and that's why it seems pointless to fight for something that I have no chance of getting.

 

Cheers,

 

Chris.

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Well if it were me I wouldn't give up at the first hurdle.

 

You have nothing to lose by passing it to fos and maybe give them some more reasons why you felt your were mis-sold.

 

In the PPI stickies there is a thread called "some notes for claimants"....have a read and see if any other mis-selling reasons apply to you.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi,

 

My claim for PPI was recently rejected by the bank and so I have since sent all of the documentation to the FOS for them to investigate. How long would it usually take for the FOS to investigate my claim? are we talking another eight weeks? (or longer)

 

Have banks now changed their tactics with regards PPI claims? I have heard rumour that the banks are making it more difficult for customers to re-claim PPI or take their cases further (FOS).

 

When I received my rejection letter from the bank, it also came with a whole load of documentation (photocopied documents from when I originally took out the loan displaying where and what I had signed for). Also in there was a very detailed description of why they think I am in the wrong and why the bank is right not to pay back PPI.

 

I found all this information a bit overwhelming and (in my mind) It gave me the impression that I was getting a 'slap on the wrist' for even considering asking for my PPI back.

Even though I am still under the impression that I am in the wrong (thanks to the banks response) a friend encouraged me to pass the details onto the FOS.

 

Thanks for listening.

 

Regards,

 

Chris.

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The bank will use whatever words they can find to put you off. They know they are in the wrong, but their business is to put people like you off to save themselves money.

 

Sadly, it looks like they are winning as you look like you are giving up.

 

If PPI has been misssold then it is indeed your money they are talking about.

 

How would you feel if someone at the cashpoint whipped in front of you and pulled your cash out of the slot? Would you be listening to "weasel words" then?

 

No. And neither should you be listening to "weasel words" now. It is your money. Go and get it back.

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The bank will use whatever words they can find to put you off. They know they are in the wrong, but their business is to put people like you off to save themselves money.

 

Sadly, it looks like they are winning as you look like you are giving up.

 

If PPI has been misssold then it is indeed your money they are talking about.

 

How would you feel if someone at the cashpoint whipped in front of you and pulled your cash out of the slot? Would you be listening to "weasel words" then?

 

No. And neither should you be listening to "weasel words" now. It is your money. Go and get it back.

 

Yes agreed.

 

Which bank?

 

What were your reasons for the mis-sale?

 

Have you challenged the bank yourself?

 

Fos may take an age so could be worth you keeping at the bank yourself.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 4 weeks later...

4 threads merged on same claim

 

please keep to one thread

 

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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