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    • Thank you. That's very helpful. We would like the diagrams please. I understand that you have completed a written report or statement or completed a form with your account of the accident – but you haven't kept a copy for yourself. Is this correct?
    • Yes i have all the van drivers details .   I referred to ' driving slowly' to my property because the front end of my vehicle was badly damaged , the bonnet was completely cumbled- exposing the engine underneath. I drove slowly as i was scared of my car catching fire or something whilst i was inside . i drove around 2mp round the corner to my property.   It was a transit van, no passengers in the van. He had been in the area working. He lives in another city.   It was 16:25pm, no lights on any vehicles as it was day light. 
    • yes 10 is it that are still not 'accounted for' - possibly the extra 6 billion? Seems likely that despite the already identified horrendous waste of taxpayer money, failure of competence, lying and crony-ism .. the worst may be (likely is) yet to come
    • We don't allow lawyers to promote themselves here so the advice we give will be from individuals who have experience of dealing with wills and probate/inheritance tax matters.   HB
    • Thanks. Yes I'm planning on speaking to a lawyer but wondered if any frequent here. Mum won't be living in her place once Dad passes as she is not very mobile, she'll be with our daughter who has a suitable room in the short term until we purchase another property. As far as she's concerned her property will be cleared and placed on the market as soon as Dad's passed. Partly due to it being too big and costly for her to keep running.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
      • 33 replies
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Friend of our came to me about a problem he's having. 3 Weeks ago he got a phishing letter from Ruthbridge asking him to call them, I told him not to, last week he got another letter with more information, it was for a Halifax Current account for more than £2.5k.

 

Today he got another letter from Ruthbridge basically saying that if they don't hear from him in the next 14 days they may send an agent to his address. They thankfully doen't have his phone number.

 

The so called debt as mentioned is a Halifax Current account.

Last payment in 2000, last correspondence with Scotcall in Feb 2006.

 

I have done him a Stat Barred Letter with the doorstep letter added and I have also done him a Section 10 letter too. Is there anything I've missed?

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Sounds ok to me re the letters you will be sending.

 

Obviously check credit records just in case there is any error.

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Will do. My friend is a very vulnerable person with Mental Health issues. Told him to send the letters off recorded and not to sign them and to just wait to see what if anything they throw back. Told him not to worry, he is a little worried by the threat of a doorstep visit, again told him not to worry as I would love to go toe to toe with a doorstep debt collector in a non-violent way of course.

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Take care with Ruthbridge they tend to ignore a lot of correspondence, especially in regard to SB debts, make it clear

the letter is no an acknoledgment of the debt and address it for the personal attention of the Compliance Manager.

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

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Keep a copy of the letter, send it recorded, keep the receipt and in a few days time check the Royal Mail website for delivery details and print that off. Later get a copy of the signature obtained by the postman. If Ruthbridge continue to play silly games you have enough evidence to complain to their regulators.

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