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    • Hi dx   Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently.   I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article'  as I dont think the PPi team showed them the original claim form maybe, who knows.   Expanding, sorry I missed the word PPi after 'loan' in my post you quoted and highlighted. To be clear, the life protector was not for a loan, but a mortgage, and that mortgage did have a mis-sold PPi on it which they have admitted and refunded.   If it helps, I have several mortgage offers here from 1999 and they say 'Minimum life cover to be assigned to the bank'    The odd thing here is, I started the mortgage and PPi in 1999 but it was 2003 this life assurance started. I do categorically recall being told it was something I had to have though.   Many thanks   E 
    • MP's are good for other things but for some reason are not very good for Council Tax.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help  
    • forget bailiffs they can do nothing on a consumer credit debt covered by the consumer credit act. most certainly no right of forced entry nor clamping or seizing vehicles etc etc .    and it most certainly doesn't matter, even if someone did , which they didn't, contact them and said he's got money.   you've picked up some rather wild ideas on debts and CCJ's etc from some where which are totally incorrect and way off the rails of what really happens..   your next action is to goto your credit file and write down the 3 CCJ number. then on monday go ring northants bulk RECORD YOUR CALL. quote the three CCJ numbers and ask them for a copy of EACH judgement to be sent by email PDF. also ask them to either send copies of the 3 CLAIMFORMS TOO. or if they cant do that  get them to readout for each one: the address it was served too and the EXACT details of the Particulars of claim box    once you have those details comeback to this thread.   by the way who is the fleecing DCA that pulled these 3 stunts...lowell, cabot, Link, Intrum. hoist..?? who.  
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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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On 12th March 2013 my boiler had broken down and I called the Customer Service helpline on Wednesday 13th March, to log a call for an engineer to come and look at the boiler. An Engineer arrived at my property on Friday 15th March and confirmed to me that he needed to order 3 mechanical parts for the boiler to work again. I also informed him that there was a leak coming from the boiler. The engineer informed me that he had to e-mail my insurance company and seek authorisation to order the parts in which to rectify the problem with the boiler.

At this time we had very thick snow and it was sub zero temperatures and I had no heating and hot water.

On Monday 18th March I called Scottish Power again to see if they had received the e-mail from the engineer with regard to getting my boiler fixed. The sustomer Services lady that I spoke to informed me that they had received the e-mail but the boiler ID number was missing. On that note I then called the sub-contractors and the lady informed me that she had included the boiler number on the original e-mail sent to Scottish Power and had also called them with the information also. She went onto say that she would call Scottish Power again and provide them with the information again as she was concerned that I had now been without heating and hot water in sub zero temperatures for over a week. She then called me back the same day to confirm that Scottish Power were in receipt of the boiler ID number and a decision would be made in the next 24-hours, which was the Tuesday 19th March and I would be called to be informed when the Engineer would be coming to fix the boiler.

By Saturday 23rd March I still hadn’t heard anything, so I called Scottish Power again and they informed me that my claim was still with the claims department as they had been very busy due to the cold weather and that my claim still hadn’t been dealt with. The customer service agent told me he would send another e-mail to ensure that this would be dealt with on Monday 25th March as there was nobody available at weekends to get this finalised.

On the same day I e-mailed the complaints department, telling them all of this information and that I wasn’t happy at all with the service I had received to date and still some 2 weeks later I was still without heating and hot water. I also informed them that on Monday 25th March my daughter was having an operation and I needed the heating fixed for when she convalesced.

On Monday 25th March I received a telephone call (almost 2 weeks after my initial call), whilst I was at the hospital with my daughter and I was told to go and buy some heaters and I would be reimbursed.

The same lady called me on Tuesday 26th March to inform me that she had taken the £90 for the heaters off my April bill and also took my meter readings during the same telephone call. She went onto say that I would also be reimbursed for the extra electricity I was using from the heaters I had purchased.


Later the same day the contractor called me to inform me that my parts were now in stock and they would be fitted on Wednesday 27th March, which they did, the control panel, PCB and water diverter valve.


On Friday 29th March when I woke up the boiler pilot light was out, which I managed to re-start, then on Saturday 30th March when I woke up it was out again, I managed to re-start the pilot light but the control panel was dead. I went away for the evening and returned home on Sunday 31st March the whole system was dead and I couldn’t re-light the pilot light. I also noticed there was water dripping out of the bottom of the boiler, so I put a towel underneath it to catch the excess water, which was soaked by Sunday evening.

I called Scottish Power again on Sunday 31st March to inform them that the boiler had broken down again only after two days of being fixed and the customer services representative informed me that I would be marked down as an urgent case. I received a call later that day to inform me that they couldn’t get a contractor out as it was Bank Holiday but if I could find my own plumber to fix the boiler, I would be reimbursed by Scottish Power. I declined this option as I was under the impression that if a third party touched the boiler then my insurance would be void.

It took 4 days to send out another engineer who informed me that the first repair had been done incorrectly and that there was a leak which hadn't been repaired, he said the system now needed a costly repair and he would inform Scottish power of what would be required in order to carry out a proper repair.

Five weeks later and after several telephone calls pleading for information and being promised someone was dealing with my case, I was informed by a third party that my repair would not be undertaken and I would have to replace my boiler at my own cost. He said that the cost of parts and labour exceeded my limit for repairs which I have never been informed of before. My boiler is only about 6 years old and had been under a maintenance contract with Scottishpower for most of that time.

I was sold the policy over the telephone and never received a written contract but was told by the sales person that all parts and labour were covered by the premium policy, I telephoned their customer services again and was told my case was being reviewed by the complaints department, this was over two weeks ago and I have heard nothing from them since.

I have now been without central heating and hot water for nine weeks and am desperate to get my boiler fixed, Scottishpower have been completely unhelpful and seem to have washed their hands of me, I have no idea where to turn now

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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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These premiums are quite often a waste of time and money. You would be better off opening a savings account and putting your subs in there. When something goes wrong, get the money out and pay for the repair. Job done, no stress.


Companies like to use scare tactics and say 'but what if something goes wrong? Do you really want to take that risk?..... But it works both ways, what if something does not go wrong? It's a gamble. But if it does not, you win!


I dumped all my cover plans and put the same amount of money in the bank and in that account is a few thousand quid now. It's all mine and if something goes wrong I will call a repair guy and pay him myself. And I get the interest which is not a lot but at least I don't have to call up a company like Scottish Power argue with them over a repair and wait weeks for them [EDIT] to do something about it.

Edited by dx100uk
behave - dx



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