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    • Yes it is the Arndale. Until 2018 it had always been free to park there then they introduced charges. I'm guessing the carer might have thought it was still free for 3 hours. 
    • I sold an item on ebay through their bidding system, ebay recommended I use PackLink as a delivery service so I did. I dropped the item at a local shop and video tapped the item being taped in the parcel with the label stuck on. The parcel was scanned and approved awaiting to be collected by somebody from Hermes, the person collected this parcel later that same day (both events are recorded on hermes tracking website) and the tracking did not update past that point. I contacted Ebay, PackLink and made attempts to contact Hermes the following day to trace the parcel, and it took PackLink 6 working days to establish that the parcel was 'lost'. Hermes contact was appalling as it is automated (live chat and phone) and when I could get through, their automated system stated that due to the label being from PackLink, all issues are with them.   Once the parcel was lost, I was told to write up a claim form, which I did so. They initially offered me £25 + label cost, which I told them I reject through email. They then refunded me both amounts despite me rejecting this.   It took 6 working days for them to admit a problem and to send me that amount despite my rejection.   I found this companies house number for PackLink: 09026541   That claim form you have linked me is for people who have a claim against them, is this the right link (it asks me questions such as if I received notice from the creditor, why I ceased payments etc)   Thank you for the assistance.   I have just checked today and it says:   HERMES PARCELNET LIMITED filed an acknowledgment of service on 19/10/2020   The claim was submitted by me on the 12th.   Am I able to PM you privately with my claim form?  
    • Is this the Arndale?  On Google Maps it seems the only multi-storey in the area, and it's "managed" by ES Parking.  I see that there were recently three hours' free parking.  As dx says, that will be on the planning permission which immediately knocks the fleecers' claim out of the water.   Plus, love to see them pursue someone for driving who can't physically drive!
    • sorry here is the invoice back up, there were several 3.45Mb single page uploads that had exceeded the 4.8MB limit for upload     Dongara marine pty invoice.pdf
    • A great truth in that article HB, the test & trace is a shambles, and Wales bought into that system, when they culd have set up their own like the county of ceredigion did, that has kept it under control.  There is rising unrest and derision and much verbal tolchocking of Drakeford on social media. he also banned halloween, so expect a children's rebellion on October 31st, some are already saying they will dress up and go out regardless, don't think police would look good trying to fine some 10 11 and 12 year olds £1,000  for breaching lockdown, press would be all over it.
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Please I need some help, I took out a loan awhile ago that am still paying for it and decided to claim my PPI back, I called Blackhorse and filled in the questionnaire that was sent to me but to my amazement today I received a letter stating "In your questionnaire dated you said

  1. You were not informed of the features, benefits, exclusions and limitations of the policy
  2. You were told that taking out the policy would increase your chances of getting the loan
  3. It was not made clear that the PPI policy is optional
  4. You advised that we automatically included PPI in the quotation
  5. You were pressurized into taking the policy

Their conclusions are "In light of my findings, I feel that our adviser acted fairly and reasonably throughout the sale, I have found nothing to suggest that you were compelled into the taking out the policy. I believe that the information provided at the time of sale was a fair presentation of the features of the policy and explained the policy exclusions and the total cost of insurance. I am also of the opinion that it was clear, fair and not misleading therefore allowing you to make a fully informed choice. My review has not highlighted any failings with the sale that would lead me to believe your decisions to purchase the PPI policy would have changed."

 

What can I do now as I need your help please

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Please I need some help, I took out a loan awhile ago that am still paying for it and decided to claim my PPI back, I called Blackhorse and filled in the questionnaire that was sent to me but to my amazement today I received a letter stating "In your questionnaire dated you said

  1. You were not informed of the features, benefits, exclusions and limitations of the policy
  2. You were told that taking out the policy would increase your chances of getting the loan
  3. It was not made clear that the PPI policy is optional
  4. You advised that we automatically included PPI in the quotation
  5. You were pressurized into taking the policy

Their conclusions are "In light of my findings, I feel that our adviser acted fairly and reasonably throughout the sale, I have found nothing to suggest that you were compelled into the taking out the policy. I believe that the information provided at the time of sale was a fair presentation of the features of the policy and explained the policy exclusions and the total cost of insurance. I am also of the opinion that it was clear, fair and not misleading therefore allowing you to make a fully informed choice. My review has not highlighted any failings with the sale that would lead me to believe your decisions to purchase the PPI policy would have changed."

 

What can I do now as I need your help please

 

typical of BH

 

speculating upon what should of happened rather than what DID!

 

they were not there!!

 

write and complain and make ref to section 56 of the cca

 

Consumer Credit Act Section 56. refers...

— (1) In this Act “antecedent negotiations ” means any negotiations with the debtor or hirer—

(a) conducted by the creditor or owner in relation to the making of any regulated agreement, or

(b) conducted by a credit-broker in relation to goods sold or proposed to be sold by the credit-broker to the creditor before forming the subject-matter of a debtor-creditor-supplier agreement within section 12(a), or

© conducted by the supplier in relation to a transaction financed or proposed to be financed by a debtor-creditor-supplier agreement and “negotiator ” means the person by whom negotiations are so conducted with the debtor or hirer.

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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no

 

template letters only get temple answers.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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They always say that :)

 

As someone else commented, trying to get a PPI refund with some banks is like trying to catch a monkey in a tree. You are going to have to outsmart them by getting them to contradict themselves. The first thing to do is to get as much paper evidence against them: the original Credit Card Agreement, copies of all statements, your request for a PPI refund, their "final response", dates when items were sent and received by post (recorded by next day delivery or registered post). Sometimes the bank agents are so eager to get the commission from PPI, they just ticked the box in for you. Or they put in small print that negated the logic, so by opting out by not ticking the box, they actually opted you in. Or maybe they just filled in the form for you and asked you to sign the lines marked with an X. Doing these always counts against them.

 

You'll need all the above documents for several uses: to make a complaint to the Financial Ombudsman, a complaint to the Information Compliance Officer or a small claims court. The more documents you have, the more often they contradict themselves: They'll say their records don't go back more than 6 years, yet they will be able produce a CCA from 20 years ago. They'll give you monthly statements from a SAR, but mix up the dates, so they give you 2005 instead of 2008, but said the records were no available. All that works to your advantage in the end.

 

With the CCA, your request for a refund, and the banks final response, you can make a complaint to the Financial Ombudsman. However, as there are over 1000 complaints/day coming in, it will now take a year for them to get to your case. The bank statements are useful in order to determine how much of a refund you are owed.

 

 

Use the Data Protection Act to get past bank statements. Very often, banks try and weasel out of this by just giving you a subset of the statements you requested. Sometimes they do this even after multiple requests. By law they have 40 working days to respond to your request from the day it was delivered to their offices. If they refuse, only partially send you information, or provide no explanation why they can't provide you with the data, you have them trapped on a branch and can make a complaint with the ICO. Several court cases have used this to demonstrate that the bank was either incompetent or deliberately obstructive.

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