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    • Hello everyone! I have just stumbled upon this website and read through some of the topics. Unfortunately the thing that I was incredibly scared of happened: Hermes lost my package. I would like to ask you guys to help me. I have never been in this situation and I am really not sure what to do. So I wanted to return a laptop I bought on Amazon (worth £2000) using Hermes. As Amazon couldn't create a drop off label for the item they advised me to send the item back myself, after which they would issue the refund to me. (Also there was no option for them to print a hermes return label, which is weird). I dropped the item off at one of Hermes' drop off locations (ParcelShop) on the 2nd of October around 13:00. I have waited more than three weeks now and the tracking still hasn't been updated. It is stuck at "We've collected your parcel from the drop off point and it's on its way" - 3rd Oct 13:02. I have contacted Hermes regarding this issue and I got the following reply:  Thanks for getting in touch with us about parcel number ###. We're so are sorry that despite an extensive investigation, we haven't been able locate your parcel. We appreciate that this is not the outcome you were hoping for, however, we do offer cover to assist in this situation and we will happily support you through the process of making a claim. During our claims process, if your parcel is located, we will endeavour to deliver this to your recipient as quickly as possible. Our aim is always to complete all claims within 14 working days of receipt. https://support.myhermes.co.uk/app/ask Should you wish to submit your claim, please complete the following online form: https://support.myhermes.co...... Please note if you choose to refund your customer before this claim is finalised then you must do so at your own risk. If the parcel is located it will be delivered to the intended recipient and the claim will be closed Now I have submitted a claim but the maximum value that I can claim for was 999 (half of the original value) and also I didn't buy any insurance (because it tops out at 300 only...) so I am sure I am not eligible for a compensation (plus laptops are on the non-compensation list). So I am thinking about suing them for negligence and I would very much appreciate if someone could help me with this. Do you think I have a right for a full refund? After all they lost something that was mine. I feel like there must be a way to make them liable for this. Another question: amazon doesn't really want to help me, they tell me that it is Hermes's fault and they can't help me with the refund unless they get the laptop. I was told that if THEY issued the Hermes return label, they would have been able to refund me. But in this case I organized the return so they can't help me. But I am not sure if they realize that it was THEIR customer services assistant who told me to send the laptop by a choice of my courier (there were only two shipping methods for the return: me organising the whole shipping part myself or hermes home-pickup. First I opted for the latter but after waiting 5 days for them to collect it I contacted amazon where they told me they would cancel the refund process and I should send it by myself). Please help me guys, I am torn, I feel like my hands are completely tied here. Thanks for any help!  
    • If thats your driver, you must be bloody furious at the utter cobblers (referred) spun in the leave campaign then.  
    • This was my first (and last!) experience using Hermes to deliver a parcel. I learnt the hard way...    I posted a valuable item (my precious & perfect guitar) with Hermes that was delivered damaged. I paid for insurance and after an absolute nightmare getting in touch with them, then waiting 28 days, they said it is not covered.   However the recipient stated there is signs of rough handling to the package, therefore Hermes are still at fault. When I responded with this to them they replied:   ..."I assure you that any damage is not a lack of care from our couriers; they take great care of all our parcels in transit. Any damage done to parcels within our delivery process will have occurred whilst being sorted by the automated, heavy machinery within one of our large depots."   Surely this does not absolve them of liability?!   I sold my guitar on ebay for £265 and have had to refund this plus the £20 postage I paid in good faith that my guitar would reach the buyer intact.   I now am out of pocket and with my once pristine guitar damaged.   I am heartbroken about it, plus the stress it's caused, was only even selling due to being a new mum and not currently working, I could cry (well I have several times). Anyway was just looking for any advice re: attempting to take further cheers.
    • Pleased we can at least agree on that.  
    • I will await the final confirmation tomorrow I also attach the Draft Order, please can these be checked Andyorch and BankFodder before I submit these online tomorrow I of course will amend the details to add the names etc before I send this. In the Leicester county court Claim No. ... Before District Judge ……… Dated 23//10 20… Claimant/s Mrs XXXXXXX   and Defendant Goosedale Draft Order     IT IS ORDERED THAT: 1. . Pursuant to CPR 19.4.1 and CPR 19.2.2 (a) it is requested that a second claimant Mrs xxxxxx be added to this claim. It is desirable to add the new party so that the court can resolve all the matters in dispute in the proceedings. 2. The proposed amended particulars of claim be reserved Pursuant to Practice Direction 19 ( 2.1 ) ###### End of Order ######     Amended Particulars of claim for N1.   The claimant and second claimant joinder seek reimbursement of £7700 paid to the defendant on XXX date 2019 in respect of a frustrated contract for a wedding venue booked for the XX date 2020 and which was cancelled by the defendant as a result of implementing government restrictions in respect of Covid 19 Legislation.The principle claimant makes this claim pursuant to Contracts (Rights of Third Parties) Act 1999. The defendant has refused to refund the contract price. The claimant seeks £7700 plus interest plus costs.     N244_web_0818 COMPE.pdf
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hi folks, I hope someone can give me some advice here.

 

A few years ago I sank into the payday loan trap with Wage Day Advance.

 

I borrowed money and for a long time just paid the monthly interest.

 

In Sept/Oct 2011, I didn't extend, they took their money & I borrowed more but then stopped paying them.

 

I had some bloke from a collection company in Liverpool phone me a few times and I eventually told him that I had paid enough and wasn't going to pay them any more.

He went away.

 

On 18 Oct 2012, I rceived an e-mail from Motor Mile Finance headed

NOTICE OF LEGAL ASSIGNMENT OF DEBT

and demanding payment from me.

 

I replied to the mail as follows

'1. I do not acknowledge or accept this debt. I have requested details of this from a previous collector but have been ignored.

2. I will not allow any 'doorstep' thug access to my property and any representative of your company who attempts to enter my property will be instructed to leave.'

They did not respond to me but continued to send e-mails and text messages to me.

 

On 26/11/2012, I replied to another e-mail which stated that my 'agreed repayment plan' was in default. I had no agreed plan with them!

 

My response to them was as follows;

'1. When you sent your 1st messages to me, I replied on 24/10/2012 and informed you that I do not acknowledge this debt.

I asked for details of this alleged but to date have not had the courtesy of a response.

Instead, I now get incessant mails and calls from you.

I repeat - I want details of this alleged debt, I am not going to pay anything based on your demands.

 

2. Further to your message below,

there is no agreed repayment plan between me and you.

DO NOT make false allegations or misrepresent any fact.

I will consider submitting a copy of this mail to the Financial Services Ombudsman as basis of a complaint against you.

I will not tolerate such deceit from you and raise a question about your ethics and practices if you can blatantly lie like this.

 

3. You are hereby warned to now cease your e-mail correspondence

and phone messages to me until such time as you can provide proof of any debt as requested on previous occasions.

Any further contact from you will be viewed as harassment.

 

4. Do not even consider attempting to send one of your agents to my home.

You and or any agent acting on your behalf are not welcome on my property and have no cause to come here.'

 

Ok, so it's not really professionally worded, but I thought it may elicit a response.

It did not.

They continued to send e-mails threatening court action and unannounced home visits and special offers etc - all of which I have ignored.

Yesterday, one of their agents did knock on my door.

I was not rude, but I told him that until his company had the courtesy to respond to my mails,

I would not discuss the matter with him.

I told him that until I had correspondence from them, he should not come back.

His reply to me was (somewhat sarcastically) that he wouldn't be back, he would just send a bailiff instead.

Within an hour, I had an e-mail from the homevisit manager demanding contact & threatening legal & bailiff action

due to my refusal to discuss the matter with the agent.

I have replied to this mail by pasting a copy of my e-mail from last year.

The response to this is that they have posted copies of the agreement to me now.

I don't know if their failure to respond to me can form the basis of any sort of complaint,

but it certainly isn't very professional of them to ignore my requests for information.

Or am I under the wrong impression?

The next aspect of MMFs conduct is what I have today seen on my credit report.

Reading a different post on CAG, I learned about Noddle & have registered there.

The MMF entry on my credit file is disturbing.

I have found the following inaccuracies in the entry;

The account type is listed as 'Mail Order' - I have never had a mail order account!

The account start date is 30/09/2012 - My WDA account was in 2011;

The date of default is shown as 01/12/2012 - Surely that is wrong?

What can/should I do now?

Any advice welcome & thank you

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CCA them

 

 

 

The Loan Company

 

Company House,

 

Church Street,

 

Newtown,

 

Kent,

 

R1 7HG

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 4563210025897412

 

I do not acknowledge any debt with your Company or Associates

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other

 

 

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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lets await to findout what debt they think you have first

 

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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  • 3 weeks later...

Hey im new to this but here goes-

 

This comapny is a joke. My WDA loan was taken out in mar 2011 but this like your was registered on my credit file on 30/09/2012 and my default was 1/12/2012. If this very odd that 2 people have the excat same dates. Does anybody else have this problem?

 

I have chosen to ignore them for the past 12 months and receive numerous txt messages claiming that mike will be visiting my house unanouced in the next 4 days. 4 days to this company is a very long time by the look of it. I have no norry that they will ever call and i have no intention of paying them a penny!

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Hi 12 +2 Working Days for a CCA request.

 

I suggest sending the following letter by recorded /signed for delivery, do not use e-mail Ma;MF tend to ignore.

 

For the Personal attention of:

 

Mr Rob Sands

Director of Compliance

MMF Ltd.

 

Complaint:

 

Ref: use theirs.

 

Dear Mr Sands,

 

I refer to recent correspondence from MMF Ltd in regard to an alleged debt for £xxx .xx which MMf Ltd claims I owe in regard to a Mail order account (as shown on my credit reference files held by xxxxx credit reference agency

 

An agent of MMF Ltd called at my home on xx xx xxxx and I refused quite reasonably to discuss any financial matters with an unknown person off the streets, this agent left my premises stating that he would not be back but would be sending a bailiff, MMF are reminded of the OFT Guidance on Debt Collection 2003/2012 and the sections regarding conduct such as this.

 

Take Note: I have never been a customer of any MAIL ORDER COMPANY!! Therefore I formally state that:

 

1. I am not the debtor you seek.

2. I do not acknowledge any debt to MMF Ltd. or any company it may claim to represent.

3. The data MMF has caused to be displayed on credit reference files is inaccurate and defamatory.

4. MMF MUST remove all data relating to the alleged debt from ALL CRAs to which it has reported this incorrect data.

5. MMF WILL confirm in writing that my instructions have been complied with.

6. No further contact by Telephone, mobile or landline is to be made and all reference to these numbers are to be removed from MMFs records immediately.

7. No contact by e-mail is permitted and MMF will remove my e-mail address from its records.

8. HOME VISITS: No further visits to my property are permitted, as I ma aware that MMF has claimed that removal of all permissions implied or explicit regarding such visits do not apply to MMF, this is of course nonsense, and any further attempts to visit my property in an attempt to pursue a spurious debt will be considered harassment and I WILL take suitable action.

 

 

Having researched the rather dubious conduct of MMF Ltd in pursuing alleged debts, quoting erroneous amount owed, and seeming manipulation of default dates and credit reference file entries I am forwarding a complaint to the OFT together with a co licence.mment on the fitness of MMF Ltd to hold a consumer credit.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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