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    • No I'm afraid everything here is done in the open. We are all very honest and straight dealing and also we have helped people in respect of this company before – they may be aware of us – but does it really matter? You started off this thread by asking how to they get away with it? The answer is that because even their own customers like to keep the problem secret so it becomes not generally known. If you want to do this secretly then you are simply bringing comfort to the sofa company. Is that what you want? Why?
    • I would like your help but I dont feel comfortable disclosing everything on here as it will be in the public domain.    Is there any way I can discuss my matter privately?    Thanks
    • Two hours to go (11am hearing) going to wear a hole in the carpet so nervous.
    • I'm trying to understand if you want some help with this or not. So far you haven't told us anything about your story – dates, prices, who you have complaint to et cetera. You have simply told us about how unethical it all is and asked how do they get away with it et cetera. Maybe one of the reasons why they get away with it so often is because people don't tell their story but simply complain about ethics. We can help you if you want. In order to do this you will have to give us information about your story – and we would prefer in a bullet pointed chronology without too much narrative. You say that you have obtained an independent report. There is a good move. Please could you post it here in PDF format so that we can have a look.
    • Good morning.   Ahh good  old Tax Credit overpayments, the gift that keeps on giving. It's almost guaranteed that if you claimed Tax Credits at some point in your life a charming little letter will pop through your door with a random national lottery size amount of money that you owe them, and it's always from many years ago. It's so thoughtful of them to send out huge demands during the most severe economic crisis of the last 100 years.   Nothing is going to happen quickly here, your SAR , when it arrives is going to be a huge box full of screen shots, call transcripts, what they assume your earnings were at the time.  It's very common for them to make mistakes, for example on mine within 5 minutes I noticed that they had my salary down as far higher than it was, which immediately took what I owed them down by £1200.   Boring summary as to why this happens,  The system is so complicated, that somebody always makes a mistake, either them or the Claimant, most people don't notice because the money is clawed back from their actual tax credit payments as  a tiny percentage that's barely noticeable. This works great until you suddenly start earning too much money and Tax Credits stop, then boom You owe us X thousand!  Unfortunately, being HMRC, and being utter rubbish sometimes that 'boom takes 15 years to arrive on your doorstep.   Ultimately, you may owe them something, in the end, they will talk like they are going to send the heavy mob in to repossess everything, reality is there are people all over the country paying them £20 per month or at some point in the future if you claim Universal Credit they might take a few quid a month off that. If you are really lucky they will just give it to a powerless DCA.   Once you have analysed your SAR, you may have grounds to appeal,  its also worth Googling Tax Credits COP 26 and reading carefully several times, perhaps some of the rules in there apply to you and may also be grounds for appeal. There are lots of mitigating factors that could even get the whole thing written off. Rest assured you can come back to this thread and ask anything,  I'll always respond and am very knowledgeable about this subject,   Keep us posted        
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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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50k a week you dont know what your missing:lol:

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No, that would be too obvious, I want a recount:lol:

 

Do you think it could have something to do with scoring more goals that the other team ;)
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.......

lfc tonight, shld be interesting.

 

lfc get away with a draw, down to the last game v basel (thanks to real madrid)

we really have got nothing up front without sturridge.

IMO

:-):rant:

 

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liverpool win, birmigham and fulham heading for promotion:madgrin:

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Ideally Liverpool finish in the top four, birmingham play offs, Fulham auto promotion, we won but played poorly.

 

liverpool win, birmigham and fulham heading for promotion:madgrin:
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I know it's hard to believe, they did actually win, beats losing and drawing:madgrin:

 

The jokes go in a different section :)
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Ideally Liverpool finish in the top four, birmingham play offs, Fulham auto promotion, we won but played poorly.

 

not quite ideal, fulham playoffs, birmingham auto promotion:-)Gary now 5 games unbeaten:-)

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.....Gary now 5 games unbeaten:-)

 

and you didnt seem too hp with him in not so long ago :)

 

lfc top four, or below europa spot. dont want thurs/sun games :)

 

hearts lost!

IMO

:-):rant:

 

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We shall see, a long way to go, there aren't any outstanding teams teams.

 

not quite ideal, fulham playoffs, birmingham auto promotion:-)Gary now 5 games unbeaten:-)
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Football fans are very fickle.:-)

 

and you didnt seem too hp with him in not so long ago :)

lfc top four, or below europa spot. dont want thurs/sun games :)

 

hearts lost!

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No mid-table, where ever that is.

 

Aren't Fulham somewhere near the bottom of the Championship?

 

Another good weekend of football.

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hearts lost!

 

Yeh, 4-0 to Celtic in the Scottish Cup, had a man sent off after just 8 minutes, celtic given a penalty for nothing.

 
 

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excellent bloke Gary,:oops: works for so little we can even afford to

 

have Zigic back:-)(so long as he can get a work permit of course)

PLEASE HELP US TO KEEP THIS SITE RUNNING

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All about the league for me, lets win that.

 

Yeh, 4-0 to Celtic in the Scottish Cup, had a man sent off after just 8 minutes, celtic given a penalty for nothing.
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All about the league for me, lets win that.

 

:thumb:

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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:thumb:

 

ditto, hopefully odds on. can they do it unbeaten :)

 

ps, also cant believe that pen was given, the kelt conned the ref :)

 

Leeds up for sale?

IMO

:-):rant:

 

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