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    • What the administrators are saying is that unsecured creditors, as you are for the £807, will receive nothing. If they used the £807 to reduce a different debt you owe to Unclebuck that would be the the same thing as paying you £807. Legally and financially reducing a different debt by £807 is exactly the same thing as paying you £807 in cash. The administrators are not allowed by law to do that. Frustrating for you I know, but the Administrators are correct.
    • The repossession people didn’t even knock on my door, I was home with my 2 children we would of heard, They took my car with bank card, shop keys and valuables in which I needed, if they had of knocked I would of sorted the money while they were there.    I will check bill of sale when I am back home will it be original one or should I have got another one?    as the paper work I have certainly doesn’t match. I did agree to lower amount but expected new paper work to sign which never come.       
    • yes sorry i was confused that you had managed to get anything out of the administrators. we've not seen that and was surprised by it read that way.   your credit file is clear Conexus Recovery and Field Services Ltd - can be totally ignored. 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..
    • An online news and information service for the UK’s commercial and consumer credit industry. View the full article
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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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I cancelled a standing order payment to them over a month ago.

 

They have still taken money from my account!

 

Anyone else any experience of them? How can they do this?

 

I will be contacting them and my bank about this. Just wanted to know if anyone else has had to deal with them.

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Hi welcome to CAG,

 

What are you paying for?

 

Have you been in contact with your bank about standing order, was it cancelled in writing?

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

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Hi Brigadier,

 

The SO was cancelled via internet banking.

 

I have spoken to my bank and they said that this recent transaction was done using my card/account details. The bank is getting the money back to my account and blocking any further transactions from them.

 

This was dodgy to say the least.

 

Thornton Hope said the money was via standing order request? They requested it?

Erm, nope don't think so. I request the bank to pay you and can cancel that request at any time. You do not take the money from my account via request.

 

The payment was towards a debt that I have with a Credit Union.

 

So angry just now!

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Hi,

 

Not too sure how far you want to take this and not sure much would happen if you did, you can put in a formal complaint to the CSA.

 

Regards,

 

Scott.

 
 

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Sounds like a CPA.

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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