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List in full the amounts on each and we can take a look Welcome to CAG btw - Dont be worried about debt for now. FKO
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Hi, we have 20debts in total which we have been paying back to creditors for the last 8 year plus. Total debt still owing is approx £75k. All debts bar 2 overdrafts are either credit card, loan or catalogue debts. Creditors include 6 accounts held by Cabot, 2intrum, 2nco Europe, 2 Robinson way, 1st credit, link, capquest, capital one, pra, moorcroft and a.i.c. what advice would you give. I have drafted some cca letters but am worried about our mortgage
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Thank you once again BankFodder, I like the idea of an independent inspection as I guess there’s a risk of other issues arising here, not least anything raised by the specialist who services it. The dealer is Marshall Audi in Sydenham, London. qq - do I first reject the car as per your first post to lock these issues in within the first 30 days, or is the course of actions in your second post sufficient? Meantime I will also push the garages I have spoken to for written quotes as all were over the phone. Old habits die hard!
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By BankFodder · Posted
You haven't told us the name of the dealer. Also, just to recap – any intervention by you could possibly need the dealer to consider that they are relieved of any further statutory responsibility for your car. This is why you have to establish a very clear paper trail and make sure that you inform them about every step you are going to take – and hopefully get their approval. At the same time, I would suggest that you get another full MOT from somebody you trust – and obviously they will be independent and yet the car generally checked out for any possible defects. The MOT and checks do not need to be communicated to the dealer – and you probably shouldn't tell them because it will alert them to possible trouble. -
the op has not moved, hence the charge on the present property. can't see why the bank are asking for any details tbh..just being obstructive......
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Hermes - destroyed item as it was "damaged"- **Judgment for Conversion of destroyed item. **WON**
hellothere124 posted a topic in Postal and Delivery Services,
Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347-
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Post in Bailiffs in at BBC obtain 7 years interest on overpayment of TV licence
Its WAR posted a post in a topic,
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Post in Court Claim Against Hermes - item sent via Packlink was lost/tampered with **WON at mediation full amount **
jj58 posted a post in a topic,
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!
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BankFodder, -
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***Hermes and mediation hints ***
BankFodder posted a topic in Postal and Delivery Services,
Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003-
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Picked By
BankFodder, -
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