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    • Someone that specialises on the subject might be a better way to put it. 
    • Apologies I hadn't seen that uploads need to be in PDF.   I have received the attached letter from STA which I assume is a standard letter as I've never spoken to them on the phone. I'm not sure what they mean by 're-commence recovery action'? Do I just continue to ignore them?   I have been in contact with the Uni who insist I need to pay the fees as I left the course after the first three weeks. They have not provided any evidence/documents that I signed an agreement to pay the fees or that I acknowledged that fees would be due if the course was left early. They referred me to their website which undoubtedly has changed since I was there.    I appreciate I shouldn't reply to STA however I'm not sure how to proceed with this overall.   I've read the claim form page and I'm not clear if I can request a copy of a credit agreement from the Uni as I'm not sure if its standard for a University to have required a credit agreement to be signed?    I'm not really clear what happens next and at what point I need to act. I've read about lots of different cases (fee related and non fee related) but can't find information on a case that is similar to mine. Do I wait until the Uni begins a formal action? I am concerned as I don't want the amount to increase from the already significant amount they are demanding.     Many thanks for any help you can offer.  staletter.pdf
    • I have now received some interesting responses....   Firstly - Lowell have sent a without prejudice letter offering a settlement of £3750 for a single payment or £4000 payable in instalments of £50pcm   Second - Lowell also sent a previous letter with the copy of the agreement saying it was the one they filed to court in 2018.  However I have not yet had it acknowledged from the court that they received a certificate of service for this.    Third - The court wrote to me today from the proper officer stating a video hearing will be heard 14 May 2021.    Dealing with each one in tern, I see the court hasn't responded to my email asking them to strike out the claim on the basis that Lowell haven't adhered to the order and that I haven't received the original documents and have now set this hearing date.    I note Lowell are willing to take an offer which is of interest. However I am inclined on the costs issue and trying to 'get rid' of the matter as cost effective and expediently as possibly to make a counter offer (at what level I am not quite sure yet).    Is there a letter template to use to draft a settlement or something that I can use to start with?     In Lowell settlement letter they are claiming it is not statute barred and that a payment was made to them for £200.  I have tried to go through everything and all I can find with the help of Santander who were my bank at the time, is a payment of £200 paid to Lloyds, but this does not have a reference on it only a s/c and a/c number.    How best is it to proceed?   Court Order 22_02_2021.pdf Response to Order.pdf Offer Letter.pdf
    • yes I have conversed over email and sent them forms both in email and by royal mail, firstly with erudio, then they sent it to capquest, then it went back to erudio and now with shoosmiths for a few years now.   And yes they are well aware of my correct and current address, I have only ever moved once since the loan and that was before Erudio and it was all plain sailing with Saas/slc.
    • 2 days now and the insurers have done nothing - just making it much more stressful.  
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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
      • 31 replies

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Hi, am hoping I can get some pointers about my situation.



My mother died on 11 July this year, she lived in a 1 bed-roomed flat via Bradford Council (incommunities now) on a secured tenancy. She had been a council tenant since 1993 (although not the same house, but, the same tenancy as she did inter-tenant swaps) she was in her last property for 7 years.


My nephew, her grandson, now 17 (well 18 tomorrow 13 October) has lived with her for several years, my mum pretty much brought him up, although not legally by adoption or anything.


Now on the death of my mother we applied top the housing officer for a succession of the tenancy to my nephew, we were told to provide proof that he was residing for last 12 months.


This has been hard to come buy, as he was under 18 and all the bills were in my mums name.


Anyway, we only notified the council 2 weeks ago as we were grieving, we had an appointment where we were told to go gather evidence and report back. This appointment was 8 days ago.


We have now received a letter yesterday stating the succession application was unsuccessful as we had not provided prove of residency.


The only way we can prove it is by Subject Access Requesting his last school where his school records will show the address of my mothers flat.


We were given 5 working days to get this proof which is not long enough.


In their letter, they have given my nephew 72 hours to vacate the premises.





1) Can they just come straight in an change the locks and throw my nephew out?

2) Should they have given more time for us to prove residency?

3) Can we appeal?

a) Is there any basis in law where we can appeal, or is it just at the discretion of the housing office?


4) Where do we go now?



Please any suggestions at all would be great, we don't want to be emptying the house with little under 48hrs to go.


My nephew will have no where to live, he does not see or associate with his mother or father, and I just do not have room, although I will not see him sleeping rough so will offer him a couch, as I have a family of 5 in a 2 bedroom house myself.



Thanks in advance




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was your mother getting the single person discount on council tax?,they would have asked her if anyone else was living there at some time,did she declare that your nephew was staying there? if the councils evidence is that no one but your mother has been declared as living there,also her benefits would have been adjusted for someone else living there,the council will disregard someone showing up,as they see it,and asking for a succession of tenancy

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Places that you could request a letter from (not sure why you're going straight to "SAR" when you don't appear to have asked nicely)_





If your nephew is 17 (now 18, happy birthday to him!) then he should have been put on the electoral register (there's a bit to put 16/17 year olds on so that when they turn 18 they're eligible to vote) - that in itself may be proof enough?

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Main question at this stage is.


They want the keys and house back tomorrow after less that 7 days notice.


Do we have any legal standing to stay while apealing?


Do they need a court order?


Or will they just turn up tomorrow and be allowed to take possession.


Need help quick if anyone can answer these questions

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