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    • ignore ...yes its not a letter of claim from a solicitor with their client being the Uni. until/if you get one of those pop back here.   no-one can add anything to any debt ...so can't increase it.   nothing to do with 'credit' but yes ofcourse you can request and they will have to produce all paperwork inc how they dealt with your dispute if the time comes and they move to court.   redwood or harwood are good names to put in our search top right in the red banner.        
    • Someone that specialises on the subject might be a better way to put it. 
    • Vauxhall's parent company has previously said its fate depends on the government's commitment to the car industry. View the full article
    • 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
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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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I understand, your in high spirits and it's just tomfoolery, I accept your apology:-)

 

:) 8 wins in a row, top, two points clear, great footy...marvelous

no apologies, fulham are down :wave:

IMO

:-):rant:

 

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Your next 6 matches, 1 draw, 2, wins, 3 loses, not enough to win the Prem, were still ahead of 2007-2008 by 1 point and 1 game, we went on to win the last five games.:-)

 

:) 8 wins in a row, top, two points clear, great footy...marvelous

no apologies, fulham are down :wave:

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I wish your team luck on your teams quest for the Premiership Title.:-)

 

3 losses! no chance :)

fulham won't do it this time.

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I wish your team luck on your teams quest for the Premiership Title.:-)

 

 

:) the sincerity.

likewise, i wish fulham well in the championship next season. hopefully, with the wad of cash for going down and high earner trimming, they'll come straight back up, and in profit. is a tough league though!

IMO

:-):rant:

 

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That is not at all nice, I'm being genuine, reason being the last time Liverpool won the Prem (old First Division) was 1989-90, that is such a long time ago.

By my reckoning they will fall short this time. 1,2,3, remember those stats.:-)

 

:) the sincerity.

likewise, i wish fulham well in the championship next season. hopefully, with the wad of cash for going down and high earner trimming, they'll come straight back up, and in profit. is a tough league though!

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Well Hearts are still hanging in there, no official relegation yet :)

1-1 draw with Aberdeen tonight.

 
 

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I'm waiting for the l'pool vs City match. That match will decide who wins the league. And it will be a good'un too.

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..

 

 

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manure earn a draw re champs league, albeit with 11 behind the ball. (didn't chelski win it that way?). but gives them a chance.

chelski lost to psg :) jose verbals as usual.

roll on lfc v hammers, win that and we're still in it going into the city game :)

IMO

:-):rant:

 

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United the only club managing to prop up the reputation of the premier league on a continental level at the time of posting this!

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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Very true MrHat. But L'pool still have the honour of being the most successful English team ever in Europe. And we havent won anything since around 2005

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..

 

 

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Absolutely and they used to have the honour of being the best domestic team until a few years ago.

 

Might win it this year too. Have a bet at 12/1 that they do.

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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Liverpool have had the misfortune of having owners and managers that simply fail to care about the club. Roy has been the only one since benitez that seems to have actually cared, and not simply tried to go after glory.

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..

 

 

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First world problems! ☺

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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.... Have a bet at 12/1 that they do.

 

not bad. did one at 3/1. shld've had more faith earlier doors :)

IMO

:-):rant:

 

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All liverpool fan friends have been down talking it until they won at OT. Now it's got serious. Pressure is now on but good pressure to have!

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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Real liverpool fans never expected to win much. We've had too many bad managers and players. Seems like Roy has done his homework, and we now have possibly the best strikers in the premiership. Theyre deadly when put together. Our defence needs some work, but not as much as Man UTD's ;)

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

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Currently 15/8 and considering trading out after west ham game assuming they win.

 

I honestly think that liverpool deserve to go all the way and I am a united fan. Chelsea and arsenal not ready and despite being champions recently, there are a lot of new players at city who don't know what it takes.

 

But pressure can do funny things....

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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Even though im a lifelong liverpool fan, the title is citys to lose. City need to make some pretty major mistakes now to lose the title, especially with 2 games in hand.

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

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The game at anfield is obviously key and liverpool look more up for it. City running scared and couldn't even beat arsenal

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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Real liverpool fans never expected to win much. ...

 

 

ditto, wasn't expecting a title challenge this season, maybe a cup and europe. but full credit to brent and the squad. had doubts re brent, but am glad to be proven wrong :)

IMO

:-):rant:

 

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