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    • My daughter has been selling unwanted items, mostly clothes, for a couple of years now with no problems until recently.  She sold to someone in Germany before Christmas, which was claimed never got there, so obviously paypal refunded the buyer, no questions, despite her never having any problems before now, which left a negative balance.  She sent it using Hermes, something I have only just realised was a big mistake.  She has proof of postage given to her when the package was collected, although the reference number is now not recognised by Hermes, so getting in touch with them to find out what happened to her parcel is impossible (as many social media platforms have confirmed this).   So the outcome is that while we were trying to get in touch with Hermes, paypal have, very quickly, passed this on to Moorcroft who are now hassling her.  I have told her not to worry about Moorcroft as everyone knows how these people operate, I have reassured her that there will be no visit to the door from anyone.   The only concern she has is whether it will affect her credit file, as she has worked hard to get a good credit rating over the last 4 years and doesn't want something like this to destroy it.  My thought is that it can't as it is not credit, and she hasn't gained financially in any way, quite the opposite really, so it can't have any negative impact on her credit file?  She is prepared to give Moorcrost the money just to get it sorted, but I don't want her to be hasty in giving them people anything.   I've looked at a few posts similar to this and my understanding is that this is correct but just need reassurance to pass on to her.   Thank you
    • It was granted on 17th Feb and i requested to their Leeds address below:   Hermes UK Capitol House 1 Capitol Close Morley LEEDS LS27 0WH   This does look like the correct Hermes UK office address though?
    • You have a judgement against Hermes? When was it granted? You should apply for execution of the judgement immediately. You shouldn't even be asking us. One thing though – you should check that you have actually serve the papers on a real physical address. We have had one case recently against virgin where we discovered that the papers have been served on a postcode – but it was actually a redirection address and that there was no physical address which could be visited by bailiffs. What address did you use for the claim?
    • I would agree, they seem to just take a punt on the hope people cave in.     However, I would ask how to proceed in this instance?  What happens at the hearing as the order from the court states very little.  What should one do at this hearing and what should you do to prepare?  Should I request any further documents from Lowell?  Do I reply to their offer and state a case?   Also I wanted to know if money was paid to Lloyds Bank - then Lloyds Forwarded this as they so selected to Lowell is this allowed?
    • Then surely this proves they dont have a clue what they are litigating over. They use the words credit card in their poc, but they stated a number in the poc is not a 16 digit number which all credit cards have.        
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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
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    • 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

need fast help wonga payment due on 5/08/13 :(


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hi i am with barclays bank, need to know how to freeze interest, stop cpa and setup repayment plan with wonga(have read and researched but still dont understand template letters etc.. or where they are or where to send them), beggining to spiral out of control now, have a letter that benefits stop as i am single dad in 2 days because my boy turns 5 will only have tax credits to live on which gets paid into same account :(

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Sign in to your online Wonga account and have a look on there to fill out a repayment plan request form.

 

Secure your finances beforehand. Report your card as lost or stolen and call Barclays and Insist that they cancel any CPAs set up by WFUK (wongas trading name).

 

Wonga will ask you for a basic income and expenditure form. Fill out as much as you feel comfortable with (you don't have to give Wonga these details but I believe it helps to get the desired result)

It never rains but it pours...

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First thing you MUST do, is secure your bank account. Then ONLY when that is done, contact the lender, in writing, and advise them of your current situation. Wonga are normally good about repayment plans, but you still need to have all your bases covered.

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

:D

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Hi, affixed
template
link3.gif
letter - either hand in to the bank in person (take another copy along and get them to sign to say they've received a copy) or send by recorded delivery.

 

paperclip.png Attached Files

Found this on Ell-enns helpful post to someone asking the same question.

 

 

As renegadeimp and bombaymix say-secure your bank account.

Open another basic account perhaps.Fast.

I opened one here,very friendly by phone.Send you a form.

http://www.co-operativebank.co.uk/currentaccounts/cashminder

 

First thing you MUST do, is secure your bank account. Then ONLY when that is done, contact the lender, in writing, and advise them of your current situation.Good advice from Renagadeimp

 

Then and only then you set up your repayment plan with,i can hardly write this word,WxxGA the interest etc will be frozen.

 

Any other advice needed post again we will be delighted to help you through.

Secure that bank account.

Tawnyowl

 

Edited by tawnyowl
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Also, when you take the letter to the bank, refuse to leave until they copy, sign and stamp both copies.

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

:D

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If they try to say that, tell them you want it in writing so you can inform the fca. Remember, don't leave the bank until you get it.

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

:D

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If they try to say that, tell them you want it in writing so you can inform the fca. Remember, don't leave the bank until you get it.

 

what is the fca?

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what is the fca?

 

Financial Conduct Authority - they took over from the Financial Services Authority in April.

 

They appear to have a lot more teeth and appear at the moment, to be more user friendly :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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i was suprised how well my bank handled this today i took the templated letter with me, she cancelled all my direct debits straight away and stamped n signed my letter and wrote on it direct debits cancelled, also she said she could not find the wonga cpa but phoned cat and they couldnt see it too, wrote on letter if they attempt to take money out of my account to contact the cat(continuos authorisation transfers?) straight away so they can see where they are trying to take money, i now have no monies being put into my account(using post office card account now) to anyone else who might find it useful when banks are not, it is a premium rate number but from what i can gather they will remove any cpa's you have on your account hassle free! 0870 0104503 option 2 then option 1

 

i also still need help with wonga and making payment plan, i dont know what i can afford i am in severe hardship the only money i have coming in now is £70 a week and that doesnt do alot when i am tryin to pay for food bills and utilities too, might take 6 weeks to hear of anything with new claim :(

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wonga'd thanks for updating. This is a positive step forward. Righto.. you can either contact National Debtline and ask them to help you produce a Common Financial Statement (budget statement/Income & Expenditure form) , or you can complete the one below :)

 

We have a stack of letters that you can use as the basis for asking for some forbearance from your creditors if you are in severe financial hardship. I will go and find one that will suit your circumstances.

 

 

 

Ellens Budget Sheet.xls

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Here you go.. a letter to go with your Budget sheet.

 

 

[Your address]

 

 

[Their address]

 

[Date]

 

 

 

Dear Sir or Madam

 

Account No/Reference No: XXXXXXXX

 

Since making that above agreement with you, my circumstances have changed. I cannot now afford the previously agreed monthly payments because [your reasons added here]

I attach a Personal Budget sheet which shows my total income from all sources, and my outgoings. As you can see I only have £xx.xx per month left for my creditors. The offers I have made to my creditors have been calculated on a pro-rata basis, and I have written to all my creditors asking them to accept reduced payments.

 

In view of these circumstances, please would you agree to accept a reduced offer of £xx.xx per month. If interest or other charges are being added to the account I would be grateful if you would freeze these so that all payments made will reduce what I owe.

 

Should my circumstances improve I will contact you again. In the meantime, I would appreciate it if you could send me a paying-in book / standing order form to make it easier to pay you.

Thank you for your assistance, I look forward to hearing from you as soon as possible.

 

Yours faithfully,

 

 

HTH

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If you are only able to offer them £1.00 a month, then that is all you should offer.

 

What other type of debt do you have.. loans/credit cards/ hire purchase ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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0870 0104503 is barclays.

 

Dont use the 0870 number. Try 01604 252999 for fraud services, 01604 230230 BARCLAYS LOST OR STOLEN CARD HELP LINE. 024 7684 2099 Telephone banking 01928 584413 This is the same as calling 08700104503 (debit card operations and pressing option #3)

All info pulled from saynoto0870.com

 

If you reach an operator, get them to transfer you. It should cost the same as a local rate call, as they are forwarding you through their own switchboards.

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

:D

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Just a quick add to this. You say the bank can't find the Wonga CPA.

 

For reference, and for anybody else wanting to cancel Wongas CPA. The name to look for is WFUK.

It never rains but it pours...

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[email protected]

 

That's the email address I used to correspond with them. Also, I found using the contact section on their website led to a response. They usually send you a generic email followed by a personal email a day or so later.

 

BM

It never rains but it pours...

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what am i to do? i only have £70 a week comin in which leaves me looking like this

 

tv license £3.50 a week

water rates £8 a week

fines £5 a week have no control taken straight from benefits

hmrc debt £10 a week have no control taken straight from benefits

electriciy £10 a week

gas £10 a week

 

£46.50 in bills and £23.50 a week to buy food and pay wonga, what do i do in this letter please help? :(

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Hi till others advise take a look at these guides

http://www.consumeractiongroup.co.uk/forum/showthread.php?399022-Having-problems-with-Payday-Loans-Check-These-Out-they-will-help-you.%288-Viewing%29-nbsp

Have you cancelled any CPAs you had with the bank.

You seemed to be having difficulty with this.

And secured your bank account.

 

 

 

Edited by tawnyowl
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Have you cancelled any CPAs you had with the bank.

You seemed to be having difficulty with this.

And secured your bank account.

 

wonga sent me a message saying that the bank refused and my balance of account is not in the red plus i sent email asking wonga to stop cpa too! looking at my incoming and going bills what would you ask to repay wonga a month?

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I see you are now using a Post Office Card Account,i will just check what they do.

Wongad do not worry .

We will help you.

It can sometimes be a lot to take in.

All at once.

 

I see you are not using your Barclays account now.Is this so

Your bank can not refuse the request to cancel your CPA

Someone is having you on.

In your present circumstances i would be offering a token payment or sending the hardship letter

Maybe even ask them to write it off.

 

Were you in work when you took the loan,

This may change our way of tackling the problem

Try for misselling perhaps.

If you were out of work at the time.

 

23.50 for food and wonga.

I feel even a token payment for you is to much.

Have a look in the CAB link i sent,maybe it would be best to contact them about this.

If you want me to look for you i will.

I could find you a token payment letter for you and a write it off letter.

I suppose your circumstances are not going to change for some time.

I see you are on tax credits.

This is the child tax credit that everyone gets i suppose.

About 50 is it.

And child benefit perhaps 20

Edited by tawnyowl
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