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    • Please start reading around the Hermes and P2G threats on the sub- forum. There's lots of material here and it's important that you go through them and understand the principles which are recurring all the time. There are huge number of similarities. Once you've done that, you will understand the basics of what needs to be done. And we will help you. You will need to give us a bullet pointed chronology what has happened including values, whether you are insured, et cetera et cetera. It would be nice that you deliver us the whole story without us having to follow up with too many questions. Start off by reading around
    • The financial platform provider, Aryza, has acquired HubSolv in its second acquisition of 2021 View the full article
    • Sales of European NPLs hit a four-year low last year with €67.7bn of assets sold, a new study shows View the full article
    • I am hoping for some help. I noticed some readers state they have successfully challenged leaseholder charges. I am now being charged in excess of £2000 leasholder service charges on a garage in Kent. It is a simple garage. As it is a  non-residential the normal tribunal routes to appeal  the garage charges are unavailable. I requested an explanation of the charges. All the service company have provided is a list of charges nothing to say how these charges relate to my garage which has never been visited or maintained. I am charged management fees, account preparation fees, audit fees. The leaseholder forwarded my account to SLC solicitors three years ago. Three years ago I sent SLC a cheque to avoid legal action. SLC did not bank the cheque as they agreed that the charges are unreasonable. However the management company continued to issue charges on the garage. SLC have issued legal action again. I would love to hear from readers who have successfully challenged unreasonable leasehold service charges.
    • i can't find a lost scottish court claim for a speculative invoice... likewise i haven't seen any gauge of an increase in PPC's issuing court claims in scotland since the much trumpeted POFA changes in Scotland - if they even happened or changed anything   it pers concerns mea bit  more as you say you've read up....focussing on POFA.. that you still appear not to have understood the very 1st basic principle of PPC things ..they are not FINES.   if they did get sheriff officers to issue a claim, and again there is no data to indicate any increase at all in them doing so, bar a handful of cases you can count on one hand in the years before, there would be plenty of chances to fold .
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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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Tried to get a ticket for Hearts v Rangers last game of the season when we get League Winners Trophy :)

 

Sold out, get one for about £120 on the web !

 
 

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Leicester fighting back, can they do it?

championship all to play for, 4 teams in it.

the arse squeeze a win v reading

:)

IMO

:-):rant:

 

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The lad from Leamy, lifting the spirits and a big smile for Aston Villa:-D

 

 

Big shame for Reading ystday.

 

 

Players without self respect compromised by embarrassing photos. It's sucking balloons now.

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:) it was their day.

 

Also Falkirk and Inverness Caledonian Thistle :)

 

Scottish Cup Final, both teams average crowds of about 5,000 between them, think there will be two empty towns on the 30th May :)

 

And it looks like Falkirk will have a 28 day break before the final !!

 
 

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

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Also Falkirk and Inverness Caledonian Thistle :)

 

Scottish Cup Final, both teams average crowds of about 5,000 between them, think there will be two empty towns on the 30th May :)

 

And it looks like Falkirk will have a 28 day break before the final !!

 

 

I hope they both loose ;)

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Also Falkirk and Inverness Caledonian Thistle :)

 

Scottish Cup Final, both teams average crowds of about 5,000 between them, think there will be two empty towns on the 30th May :)

 

!!

 

the closet one dayer fans will have to come out to fill the stad :) maybe a ticket price reduction to coax them in.

good though that the usual suspects arent there. not for the tv/commercial guys though.

hopefully the villa will give the arse a good whipping :) they might have a villa lino on the day :)

IMO

:-):rant:

 

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The lad from Leamy, lifting the spirits and a big smile for Aston Villa:-D

 

 

Big shame for Reading ystday.

 

 

Players without self respect compromised by embarrassing photos. It's sucking balloons now.

 

Had to google the lad from Leamington. Six year old applied to be Villa manager. :lol:

 

Peeps at work desperate to get tickets for the final now!

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Go Gunners!!!!!!!!!!!!!!!!!!!!!!!! ( hope they play their strong team )

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Had to google the lad from Leamington. Six year old applied to be Villa manager. :lol:

 

...

 

wanted payment via sweets. if he got the job and kept them up, with the cup, wld get more than that :) maybe it was tim in disguise,to improve his chances of getting the job :)

IMO

:-):rant:

 

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toffee scousers give their counterpart lfc scousers a slim chance of 4th, chewed on the manure. not sure want uefa cup footy, good experience, but....

 

bore draw for chelski, as usual thats what they do.

IMO

:-):rant:

 

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... lfc scousers a slim chance of 4th, .

 

 

no chance now, poor defeat at hull. deserved though.

 

bournemouth up

IMO

:-):rant:

 

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'boring' :) chelski first div champions, job well done. now give us a win on sun :)

 

come on brentford :)

IMO

:-):rant:

 

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leicester win again, incredible run!

burnley down. funny if newcastle go as well...but hull/sund have the tougher fixtures, on paper

 

brentford still within a chance, come on brent :)

IMO

:-):rant:

 

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Messi, the best ever as Pep says? he's damn good, but hasn't done it at international level which shows is also to do with the players around him :)

IMO

:-):rant:

 

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its that time of the year again, players bringing their kids onto the pitch parade. why! whats it all about :)

 

stevie g's last home game, deservedly lost to palace. shld've kept his departure quiet, maybe wld've been in the cup final, and up for champs league. maybe not. :)

 

shame for brentford.

IMO

:-):rant:

 

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