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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

Documents of freedom? what to request


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Hi there, i've been going through some debt problems recently, when I was younger I had an array of credit cards and payday loans. Now some years later it is still taking its tole. I met a man by chance who spoke to me about Fiat currency, and how because currency is like an IOU and doesn't actually have any value I dont owe my creditors anything.

 

He went on to say that I have to have made a signature to opt in, otherwise they are giving me money, he said there are three documents I should request, if they cannot provide any of the three I can write off my debts, does anyone know what these three things are? Many thanks

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no, just as he appeared he vanished, he also went on about how if he took products from the place I work, once he got into court he would explain to the judge that the products don't actually cost anything and the judge would agree with him.

 

He said that it isn't about being dishonest, just about using the law correctly, which he makes money from. I thought i'd have a wild stab here, just to check if anyone knew about it.

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Hi there, i've been going through some debt problems recently, when I was younger I had an array of credit cards and payday loans. Now some years later it is still taking its tole. I met a man by chance who spoke to me about Fiat currency, and how because currency is like an IOU and doesn't actually have any value I dont owe my creditors anything.

 

He went on to say that I have to have made a signature to opt in, otherwise they are giving me money, he said there are three documents I should request, if they cannot provide any of the three I can write off my debts, does anyone know what these three things are? Many thanks

 

no, just as he appeared he vanished, he also went on about how if he took products from the place I work, once he got into court he would explain to the judge that the products don't actually cost anything and the judge would agree with him.

 

He said that it isn't about being dishonest, just about using the law correctly, which he makes money from. I thought i'd have a wild stab here, just to check if anyone knew about it.

 

 

 

Biggest load of crap going.

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It sounds like this might have something to do with the "Freedom of the Land" crew.

 

I suspect that you will find yourself in deeper trouble if you follow any of their bizarre ravings ?

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I have moved your thread to the Debt Collection Industry as there is no legal issue to assist with.

 

If you have debt problems then we can help you reclaim charges, mis sold Payment protection insurance.

 

We can help you with budgets and communicating with your debtors in order to get repayment plans in place or even check to see if your debts might be statute barred.

 

If you want to take advantage of this advice then you are going to have to let us know a bit more about your situation.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Was this just after closing time, by any chance?

 

Sam

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Hi there, i've been going through some debt problems recently, when I was younger I had an array of credit cards and payday loans. Now some years later it is still taking its tole. I met a man by chance who spoke to me about Fiat currency, and how because currency is like an IOU and doesn't actually have any value I dont owe my creditors anything.

 

He went on to say that I have to have made a signature to opt in, otherwise they are giving me money, he said there are three documents I should request, if they cannot provide any of the three I can write off my debts, does anyone know what these three things are? Many thanks

 

if your debts were more than 6yrs ago

 

gone anyway!!

 

check your cra file first

 

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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It sounds like this might have something to do with the "Freedom of the Land" crew.

 

I suspect that you will find yourself in deeper trouble if you follow any of their bizarre ravings ?

 

This was absolutely a "Freeman"

 

Nothing but woe will come from following the "advice"

[sIGPIC][/sIGPIC]

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Agreed dangerous nonsense.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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if your debts were more than 6yrs ago

 

gone anyway!!

 

check your cra file first

 

dx

 

According to OP's other thread, he is just 23 years old.. so perhaps a little young to be clocking up debts of over 6 years old dx !!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?378082&p=4099209#post4099209

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Verkai hi

If you want proper help with some real debt problems, you should post a list of your debts with a brief history of each. Look at other threads to get an idea. Then ppl on here will be in more of a position to offer you sound and realistic advice.

Listening to crackpots who suddenly appear, wave some magic potions you can't understand under your nose, then just as quickly vanish into the night is not going to get you anywhere towards becoming debt free.

Seriously.

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