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    • 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 .
    • Hi This is the email i sent in December.     Hi  I do apologise but I must say going by your list of varying case studies upon your website i think you are wrong. There are various examples there of let us say loans that have have recently completed, whereby resolutions have been found, they were not deemed out of time just because the policy was entered into at the start of the loan, some +10yrs earlier. What concerned me more was the DMP and thus the CMP & CML membership were only recently concluded.. The comment you have made that PayPlan sold me the two plans I've complained about in October 2007 is somewhat mute as policies were still live within the last 6yrs with regard to payments toward them , even within the last 3yrs , if fact. I would also like to mention. "letters in 2015 from Payplan should have alerted me there was an issue," is again pretty mute as I was not aware then I could complain of mis-selling, there is no evidence I can find before 2017 anywhere that CMP & CML were even reclaimable.! I would also like to point out there is a diff between CMP & CML, they state they are both membership schemes, they are NOT. I also believe the above further answers his exceptional circumstance question...there are none as I believe I don't need any as I am NOT out of time! For the reasons above I don't agree with your decision and would like to have this looked at by an ombudsman as stated in your previous email. Kind Regards.     I will post the attachment shortly.   
    • Ah I see, I did kind of give them a notice to pay up in 7 days before taking things further but they refused and instead asked for the next instalments through a solicitor letter. I was thinking whether it would be better and more cost saving if I instead take this to a small claims court as oppose to the big courts, I know that is what you suggested at the begining. I was just not sure if I had a case since I unfortunately signed the new variation agreement.   
    • Yes, I expect that the mutual agreement was based on "we'll give you this amount of money but part of the deal is that you agree not to talk about what happened during this mediation". I suppose that either party can insert any demands they want in the mediation process and it's up to the other party to accept it or to walk away and then to go on to court
    • Never heard of that....a mediator cant impose that ...nor the defendant unless it was mutually agreed between both parties.
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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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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.

 

 

I for one can't see what there was to brag about, are LP top, are they the champions etc etc, well no so he's no more special than someone who plays for the local primary school. Besides, he's only off because he has been offered more money, like all the ponces who play this game, greed.

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Besides, he's only off because he has been offered more money, like all the ponces who play this game, greed.

 

No a soccer fan then Conniff :)

 
 

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I love my footie as much as the next man, just can't stand the ******s in it.

 

:lol:

 
 

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footie

 

That one's even nicer :)

 
 

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

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I for one can't see what there was to brag about, are LP top, are they the champions etc etc, well no so he's no more special than someone who plays for the local primary school. Besides, he's only off because he has been offered more money, like all the ponces who play this game, greed.

 

 

thats roughly it, it was all abit ott. imo, he shldve kept things quiet till nearer the end. since he announced he's off, things started to go belly up results wise, all the media, gerrards cup final, etc. it was ironic and inevitable that it did fail so, and the loss to palace. a lesson learned. but, i do applaud his (not the kids) overall shift for lfc, great player. and never a ponce on the pitch. imo, he deserves his 'retirement package' :)

 

leicester stayed up, how about that. laugh if the geordies drop, come on hull :)

IMO

:-):rant:

 

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Norwich in the glory Prem

 

poor season end games for lfc. Brent out? not sure. playing some of his signings out of their 'normal' position in their first season didnt help. cant blame them. also others already there. ok, sturridge was out, and banana, but the other striker signings didnt happen. can he be trusted with another 100 odd mil plus the Sterling fee? i dont think so....but who else?

IMO

:-):rant:

 

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'ere we go:madgrin: arrests at FIFA. FBI involved, well they seemed unstoppable so you would need welly. Looks like they're being extradited to US. More on news tday 3pm.....

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about time. apparently though election still to go ahead, with the Don up for relection!! whilst he hasnt, so far, been implicated, he was the overlord. wld it be surprising if the don 'knew', or 'didnt', about certain things?

apparently, 10 mil re south africa?

IMO

:-):rant:

 

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ha, lfc bid for another Soton player. did we not learn any lessons, or is Clyne that good!

 

Rangers 3-1 down in the playoff 1st leg...no celtic v rangers next season?

 

Looking like the Don will be FIFA reelected!! did these arrest/investigation work in his favour, him promising to fix things. hang on, didn't he promise that last time, and the time before....?

IMO

:-):rant:

 

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Very strange situation. FIFA a charity, I wonder if they give more than they take? There's soundings the sponsors may pull out.

 

Gr8 coverage by the BBC of the FA Cup since this morn, imagine the interruptions otherwise.

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go gunners go!

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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Very strange situation. FIFA a charity, I wonder if they give more than they take? There's soundings the sponsors may pull out.

 

Gr8 coverage by the BBC of the FA Cup since this morn, imagine the interruptions otherwise.

 

as you say, and the daily fail puts it, things done under the charity guise. hopefully, the sponsors can pull their weight.

 

jumpers for goal posts :)

 

come on villa, give the arse what for

IMO

:-):rant:

 

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Wonder if my relation who has come from his home in Hong Kong to see his beloved Villa at Wembley has travelled furthest to see the final! :-o

 

Come on Villa!!!!

 

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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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Motherwell will finish off Rangers tomorrow 👠

 
 

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.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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villa 2 down! where was the keep re the second.....they think its all over, it is now...3 down

IMO

:-):rant:

 

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Can someone please explain what on earth is going on with FIFA? Something about corruption, is it?

 

:washing: the Don's quick exit/sigh of relief from reelection to get down the launderette to wash the dirty laundry :lol:

IMO

:-):rant:

 

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:whoo: gunners played brill for once

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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