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    • I'll reply more fully  later as I'm about to go out. But meantime who was this person who you allowed to drive your car? How did you know him? Was he insured to drive your car? If you are to defend the matter we need to find out if you have a reasonable chance of success.
    • I think it particularly telling that overweight poopulist Tory **** whos worst experience on missing a meal is missing out on cake, biscuit and tea for elevensese between free breakfast and free lunch, and who voted as a decidedly overweight whole to leave British children hungry, STILL claim that its age and obesity, not their own policies and practices, that have generating the 'world beating' British death rates.   Perhaps they are leading up to claiming that them voting for children to go hungry was part of the health drive to reduce the childrens risk of catching Covid? Wouldn't put it past them.    
    • Anyway as Priti Patel says you can't go abroad for a holiday, and given the control freakery, soon have to Quarantine if you go to England from Wales or England to Scotland & back so Johnson stuffed🤣
    • Meanwhile the EU is reviving the Ally Your base internet Zero Wing meme with All your vaccines belong to us.   https://www.dailymail.co.uk/money/comment/article-9193993/MAGGIE-PAGANO-Shame-Brussels-bullies.html
    • Perhaps following his dads example of bypassing his own rules by flying in from one of the countries where you dont have to isolate
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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
      • 31 replies

Marbles HFC Bank PPI Credit card 2001-2002 online application


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Hello DX, know your gonna have a chuckle over this.

 

Marbles Credit card - believe on-line application 2001-2002 - card closed 2007-2008 still have some statements

 

What chance if any of getting ppi back.

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very good

 

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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Hello DX

 

See your - a sort of fire-fighting role here. Hate HFC & their compulsory PPI ethos

 

Care to elaborate mate, got bits and pieces (small accounts) for years with HFC (not bothered looking into yet) but get the feeling what you say applies to them all.

 

Thanxs

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what have you got?

 

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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With HFC

 

Marbles Card

Couple of agreements:

Finance agreement on furniture - HFC?

Finance on Kirby Hoover - Put aside can't remember if Clydesdale bank or HFC £600 PPI on £1200 finance

Some paperwork suggesting finance agreements which I have not investigated further

 

Leaving all these bits and pieces till major PPI claims resolved or with FOS

 

SAR'd current account for the last twenty years gonna reveal bit more.

 

How did you get bite?

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