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    • Hi all, good to see a well used forum on all subjects...I don't think this will be too common.   So basically I got a £10 credit for Casimba Casino and turned it into £1045, I have used the same debit card for the past 12 months, I came to withdraw and sent it to that card when I used the withdraw procedure.   After 9 days it wasn't in my bank so their support finally tell me they sent it to a credit card I haven't used in over years, one I had defaulted on when I lost my job! I am paying it off in a monthly agreement.   But this Casino sent them the £1045, I got in touch today and said that shouldn't have been sent, its Vanquis and they said they will ring tomorrow on a decision whether they will send it back, I don't think they will but any ideas how I can persuade them otherwise, this money will be a great help as I struggle to find a job in these times.
    • Thanks FTMdave...I shall take great delight in sending to them both..just finishing off ready to upload for a once over..
    • A further suggestion -     Dear Will & John.   I must admit I was in awe of receiving a letter from your esteemed law firm thinking what have I done to deserve such an honour. Perhaps you have discovered a long lost relative has left me a fortune in a will and I could give up work to pursue my love of goat farming using the money to set up a small holding in the outer Hebrides producing fine cheese and goat hair sweaters. Alas no! In bold letters it stated Letter before action almost if one had to get ready for battle and my power ranger pyjamas will have to be on a boil wash first before I can even think about action. Anyway I digress after further research I discovered this is in relation to some parking shenanigans of which I have no knowledge and for a place I've never been to, so as the Private Parking world's best solicitors you should be aware, I know that you know a case isn't going anywhere on the facts as presented. I may add that that not all is lost, as I used your letter to line the cat litter tray. Mr wiggles is most pleased with his firm and absorbent lining beaming happily away as he does his cat business before securing a warm spot in front of the fire as we sit down to watch cash in the attic. Good luck with the soliciting business I hear it can be quite lucrative. P.S – it is uncle Herbert who apparently left a fortune so if you do come across him please let me know…   COPIED TO MINSTER BAYWATCH     Send the letter to Gladstones tomorrow and also invest in a second 2nd class stamp and send a copy to Minster Baywatch.  Get two free Certificates of Posting.  This is because Gladdys have a lot of previous for egging on their clients to start court cases, even though their cases were pants and they were bound to lose, after all it's still £££££ for Will & John.  Let the PPC know too that the only result of a court case will be a massive tonking that will cost them dearly.
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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

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Hi all, I'm new here so be gentle lol.


I took out a tv with Brighthouse nearly 3 years ago.

Our old tv was ancient and when the tubes went we couldn't get it replaced and neither of us had any credit history so went with Brighthouse.

At this time we were both working so could afford the repayments.


I lost my job just before Christmas but we were still able to make payments.


a month ago I had a miscarriage,

was very very unwell due to blood loss

and my husband had to take some unpaid time off work to me me with our sons, round the house duties etc.

Brighthouse Know this! All of it.


So now I am 4 weeks in arrears as it has been hard to catch up.


I have informed them 3 times that I plan to pay off the remaining balance next week

when my husband gets his normal full wage again.


I have had people at my door and phoning constantly.


The woman who came the other day told me when I opened the door "I'm here to collect your tv"


Luckily I have read my agreement back to front and knew full well she needed a court order.


She said "I will get a court order"


She said she is willing to wait six weeks for a court order even though I am intending on paying next Tuesday :!:


This woman has a totally disgusting attitude problem,

I have had many many dealings with her in the past

and I actually complained to customer relations

and told them I wanted no further communication with this member of staff

but that seems to have been totally ignored.


When I was only 2 weeks behind she phoned to say if it wasn't paid that day

she would be up to take my goods at the close of business.

When I told her I have paid well over a third and quoted the agreement she said

"Err I think you will find that only applies in England"


Customer relations were laughing their butts off when I told them that one.

(why would they make me sign something only valid in England when I'm in Dundee, Scotland)


I have emailed the customer.relations email address I found on here but not sure if it is still in use.

I have written out a copy of the letter revoking license to visit my property under Scots Common Law to send to Head Office

and I have a copy sitting here in an envelope ready to hand to them if they come up today (which I am expecting)


My Question (got there finally) is...

Do I have to open the door and physically hand this letter to them or can I pin it to my door?

I just don't want to see her again.

She has made me cry so many times with her attitude and I am still extremely emotional after losing my baby so cry at everything just now.

If I do have to open the door can I just hand it to her and shut the door?


Oh and forgot to say the remaining balance on the tv is £140. That is ALL that is left to pay including the arrears. The agreement is due to end in May.


If you are still reading this essay it is much appreciated and I really look forward to any advice.

So glad I found this place

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hi Angelface, sorry to learn about your recent health problems, I hope that all will be ok with you!


It is a good thing that you have already wrote them a letter saying that they should not visit your home. If she, or they call again, my advice would be either to ignore them and do not answer the door, or, if you want, answer the door (making sure your chain is on so they can't force themselves in) and telling them that you have already contacted their office previously stating you do not want them to visit your home and that you will now be contacting the police because you are both alarmed and distressed as a result of their actions.


My only other advice is to reclaim any of the insurances you have paid, - OSC and DLC. Also, I see you purchased a TV from them, if it is a Baird TV (which they sell at around 3 times the price of an equivalent spec product) - take a look at the thread I started re Brighthouse Price Promise. It could be possible for you to reclaim a lot of money from this awful company, - the insurances you paid, plus around £500 or £600 for the price promise.


Hope all goes well for you!

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Thanks for your reply, The tv I bought was a philips one. No problems with that...yet lol


I didn't take any insurances out with them when I signed up, not that they didn't try that one though.

Thank you for your well wishes. I have emailed a copy of the letter to their customer relations dept too so we shall see if I get a reply.

I only have a few weeks left and I cannot wait to make the last payment early and be rid of them.

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sit tight a84


matters not where you are


there's nowt they can do to you


pers I wouldn't bother with the letter anyhow


dca/bailiffs are not allowed in Scotland anyhow.


the womans prob annoyed they didn't get a healthy commission

as you didn't take out the 'compulsory' insurances


so no real profit for them!!


good move



  • Haha 1

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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Yeah she seems to have had a real issue with me since I complained about the way she spoke to me once before after she phoned my mother to ask her to remind me it was my 'best day to pay' lol.

I just want to keep them away from my door if I'm honest :-)


Thank you for your reply, very much appreciated

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