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    • No problem. Glad we helped.
    • Well, I'm not having that luck. A quick google shows that I'm not the only one either.   It's very hit and miss it seems.   Currently, I'm looking for some recourse, as this is eating my and my sister's inheritance up in interest and government fees, when it should have been a cut and shut case.
    • Doing it that way does add an extra chance for a screw up in that someone has to marry the physical will to your online application.  Does seem a recipe for disaster.  Can’t see that a determination to move all applications online will be an improvement.  Doing it all with pen and paper and using snail mail last year I got the email to say they’d received it within days and probate granted a couple of weeks later both times.
    • HSBC has announced the closure of 82 sites across the UK as part of a wider strategy to create four new types of branches View the full article
    • @BankFodder   I have obtained 3x independent Quotes, the average of the quotes was 24,000 including VAT but not including things like sanitary ware if that is damaged trying to rectify his works or new tiles.  In addition I have already spent £1000 and anticipate needing temporary accommodation for at least 1month but it is hard to know how long the works will take.  I need to to exact calculations, and it is difficult to predict all costs but I believe in total I am looking at between £28,000 and £30,000   Here is a chronological bullet points of events, which I have sent to the builder and attempts at communications, it is still not short.    May 2018- works began October/November  2018 Original work completed. 19th April 2019- first contacted builder with regards to patio doors; said he would get back to me. May 2019- apologised for the delay and said he had hurt his knee  17th June 2019-  I chased him and said there were further issues I wanted to discuss and asked for him to arrange a walk through- we were unable to agree to a suitable time due to him only being available whilst I was at work.  My lodger then was ill and I suggested waiting until after his trip to glastonbury, .  4th July 2019- he contacted me to arrange times which responded to. I didn't get any further response. 26th July 2019- I chased him- no response. 31st July 2019- bumped into him in the street and he said things were tricky at home with his child and would be in touch. 9th August 2019- had heard nothing so chased again.  Further conversation. 18th August 2019- he contacted to ask if I was free on 19th august, we arranged that would be ok for you to come for a walk through 19th august 2019.  he came to look at the issues- patio doors, bathroom grout behind shower, shower seal (it was leaking), bubbling& cracking plaster in the bathroom, joins of plasterboard buldging, loose floor tiles, sticking windows in the loft (unable to lock or close with ease) , leaking back porch , cracks on joints of plaster, gaps in frame of doors, gaps around and under fire doors, staircase looking not straight.   We arranged for him to come on 3rd September. 2nd September 2019- he messaged to say that he was no longer able to attend the following day due to meetings regarding his child. Asked for key to let himself in and do it when he was able to whilst I was at work. I responded and suggested some local services to help with his family circumstances.  Also outlined priorities and said I wasn't willing to leave a key as I wished to be there. I suggested he propose another suitable date.  4th October 2019- he got in touch with a proposed date of 15th.  5th October 2019 I agreed and asked if the back bedroom plasterwork (outstanding from completion) could be done then too.  I got no response. 6th October 2019- I contacted him to alert him to the face that the roof was leaking through the bathroom light. I said i felt it needed to be resolved before the 15th October when he planned to be here as it was an active leak.    11th October 2019- he messaged to say that you contacted my partner when unable to get in touch with me,  he no longer wished to speak via my partner as he mentioned reporting him if he didn't start resolving things.  11th october phonecall- arranged 16th October  instead of 15th to come over to do things.  15th October 2019- i contacted again to say that the bathroom leak has worsened.  he responded to say that he would be there on 16th as arranged.  I responded to say that this was for information purposes to let him know it wasn't an isolated incident. 16th October- he did not come to the house. he texted to say that his day was consumed by his daughter and he would come the following week (w/c 21st).  21st October- he messaged to say the ladder he needed had not arrived and he wouldn't be coming until Wednesday 23rd. 23rd October- I messaged to ask what time to expect him.  he replied to say not until saturday or sunday.  26th October- he messaged to say he was off to merchants and would be here at 9 and he planed  to start in the shower room. he then messaged to say nearer 9.30. I said ok. then he said 10.  I messaged to ask what the hold up was as I had to go out to get something.  he arrived around 10.30. 26th October2019 -  Bathroom-he was to regrout shower, floor , fix the silicone seal and fix the fall on the shower drainage.  He did the sillicone, in white (not clear as previous) and although sealed, the silicone is extremely messy .  The grout is still cracked or missing from between the shower tiles.  the floor- he removed and redid a tile but this was not flat to the floor and the tiles are loose once again.    I also raised the bubbling of paint and the plasterboard joins etc and he suggested this was due to me not doing a proper mist coat (which I did) when decorating. he wet vacuumed the drain in the shower which didn't resolve anything. Back porch- he was to rectify this as it was leaking- he coated this in something rubbery I believe. On this day he also went onto the loft roof and was to recoat and reseal. patio doors- adjusted, UPVC windows upstairs adjusted.  he left saying he would check warranty on the UPVC glazing items and would  be in touch to see how things were but did not get in touch.  31st October-  I had the back, lower bedroom replastered by someone else to fix issues caused by him not weather proofing the loft when the roof had been removed and his men putting their feet through the ceiling 3 times.  16th february 2020- I contacted him to let him know the patio doors were leaking at the joins, the bottom as well as part way up the frame at the join to the wall.  I let him know there were still issues with other things such as the shower, drain,  etc and I got no reponse.  (At this stage the roof was not leaking again)  18th february-  I emailed to the same effect as 16th Feb.  I included photographs.  I got no response.  May 2020- my roof began to leak again.  28th May 2020-  I contacted my insurance legal helpline who suggested I get quotes from independent builders to find a middle quote. This took some time- many builders in the area were either not working due to covid, had long waiting lists or did not wish to take on the job because it was rectifying mistakes.  June 2020- I began to  collate all information regarding this situation, printed and filed all original communications, quotes, estimates and invoices.  September 2020- had the final quote, submitted a claim for legal assistance to my  insurer.   October- 2020- claim denied by legal cover.  complained.  Ongoing.    October 2020- contacted builder again (from another number, he answered!) with all information,  including other quotes, photographs. Said I was looking for refund/partial refund to cover the cost of rectification of works plus consequential losses and inconvenience.  Asked if he was willing to engage to try to rectify.  He said he had lots on and wasn't able to fix it and I said I wasn't looking for him to do this, I was looking for refund to cover the cost of fixing.  he said he had insurance and would contact his broker.    November2020- admitted fault and says he used the wrong tape on the roof.  Says he has submitted a claim through his broker, he asked me for a timeline, which I provided as above.  I have asked for a claim reference number, the insurance company details or any info he has about the process and expected timeline.  He ignored this request. December 2020- I contacted again  several times , asking again for the insurance details and if he would be willing to organise scaffolding and a temporary roof to mitigate his losses and prevent further damage to my home.  He ignored any information and the request to weatherproof the house, he just kept texting to say 'no news' then told me he was going on Annual leave until January 4th 2021.    January 2021, he has not contacted me and so I sent the above letter which I included in my OP.                     
  • Our picks

    • 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
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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I'm really struggling with wonga at the moment. I took a £400 loan out with them in November and I did start repaying it early in order to reduce the about owed. However I did default and started repaying my loan in January at the rate of £5 a week. Not a huge amount but better than nothing. However I have just been online and it says I still owe them £589.27. Surely this can't be right? How can I go about getting this reduced because I've worke out they must have had over £200 already from me. I've just emailed them saying I have been repaying a per our agreement and it isn't being reflected and asking for a full breakdown of all charges and all payments reviewed by them on my account.


Please help because I'm not paying any more than I have to which I thought was the original loan, one month interest and one default fee? Is that right?

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Pay the loan, plus contracted interest and a fair default fee. However, one thing you need to do is tell them you are in financial difficulty and that you need the interest to be stopped. Wonga are normally good at stopping interest accruing, but you need to tell them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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I went through all my old emails last night and on the date I defaulted I only owed them £430.92 from a £500 loan as I had started making payments. I have since made £105 worth of payments but apparently my debt still stands at nearly £600. I am not paying this much. And they are ignoring all my emails. What do I do now and what is a reasonable amount to repay them? I personally think I should only repay the £430 outstanding plus a default fee, minus the £105 I have already paid leaving me about £350ish to repay not £600ish. Would that be reasonable? How do I word an email saying they are taking the mickey?

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Going to draft them another email now and in it say that I am contesting all the charges and interest and telling them that I will only repay them another £350 which I think is more than reasonable. I am going to increase my repayments as well to £10 a week for now. Now I don't have any nursery fees to find I can afford to increase all my repayments meaning I could be PDL free by Xmas if they'd all play ball and stop adding charges and fees.

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What charges are they adding?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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  • 2 weeks later...

I don't know because they won't respond by email. Apparently I need to ring them to resolve this which I won't be doing. Just don't see how owing £430 but now repaid £140 means I still owe £580 to them. I'm paying them another £350 maximum and then if they want any more they can take me to court for it. I can't see a judge agreeing with them, especially as I'm repaying it and haven't missed a payment. Plus it's way more than the loan plus one month interest.

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  • 2 months later...
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