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    • Please make sure that you have read at least a dozen or so of the other Hermes stories on the sub- forum. Come back and confirm that you have done this. Once you have done the reading you will understand the whole situation about insurance and you will understand that with our help you will be able to get all of your money back. You will also understand how it works and the fact that Hermes will force you to go to court and they will eventually go to mediation and there they will end up offering you pretty well everything you are claiming that they will try to hold back on a few things such as court costs. You will also understand that if you stand your ground then you will get everything. You will see that Hermes will exploit the tax payer funded poorly resourced County Court system in order to avoid their proper responsibilities towards you and to avoid the consequences of their own negligence in handling your property. Hermes treatment of their own customers and of the County Court system is abusive but I'm afraid that there is nothing we can do to stop them other than to challenge them all the time and to make sure you get your money back. You will need to begin a formal complaint against Hermes. Simply tell them that you don't accept their position and you want your money back. Send it to them by email. Don't certainly deadlines – but wait probably about 10 days and then if they refuse or if you don't hear from them come back here and we will help you with the next step. If you've done your reading then you will know what those steps are You will get your money back but I'm afraid that Hermes will spend far more than it's worth to try and deprive you and so it will probably be at least two or three months.  
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    • Hi   Irrespective that you were given this property via the homelessness scheme in your area you would more than likely have signed an agreement for that property so forget about the homelessness an you then became a Tenant of that Housing Association and have the exact same rights as any other tenant of that Housing Association.   I do have compassion for you in this situation as you have been trying to get your life back in order and it as been one obsticale after another then this flooding which due to it being raw sewege has more than likely detroyed what belonging you had.   What I am going to say now you won't like to hear but with Housing Associations the contents of a Tenants property is for that individual Tenant to ensure they have proper 'Contents Insurance' for situations similar to yours and most Housing Association should advertise/let Tenants know this responsibility.   Were you ever informed of the above requirement when viewing/signing the agreement for the property by either the Housing Association/Support Worker? (if the answer is NO then bear than in mind as this is ammunition to use against them)   Now anytime you write to the Housing Association on this matter you make sure and title your letter as a 'Formal Complaint' and to keep a good paper trail of everything and ask the post office for Free Proof of Posting.   You also need to make sure that you take photographic evidence of all the damage to the property not just your own belongings.   Now as state you now need to make a Formal Complaint in writing explaining everything that and what you have been told to date and that you require the following:   1. Clarification as to how many complaints have been made in your building due to drainage issues whether it be an individual properties toilets/sinks/baths/showers/kitchen sinks/washing machine drainage etc.  ( just to clarify you ar not asking for that individual/Tenant data but the statistics of how many compliaint's on this matter) 2. Clarification as to who is responsible for the Drainage outside the building (refer to the exact blockage area outside the building) whether it is the Housing Association/Council/Water Company. 3. Copy of your Compensation Policy (not the leaflet) 4. Copy of your Complaints Policy (not the leaflet) 5. Copy of your Customer service Charter/Policy (not the leaflet) 6. Copy of your Public Liability Insurance (not the leaflet) 7. Copy of Repairs an Maintenance Policy (not the leaflet)
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i suffered fraud in a big way - now tryingto undo the damage - help


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Hello all,


To cut a long story short


back in 2011 I entered a competition that ended up being false

and a way of the organisers to take my details and hack into my account - set up loans etc in my name


It has taken until last week to get anywhere and despite much stress

and banging my head against a brick wall I have finally done this


The bank concerned initially refused my claim that it had happened

as they said that my other half had access to the online banking

so could not rule out it was her.


I had money leave the account from both the hackers themselves

and from payments for payday loans and other loans that I had not set up


It has come to a head as now after reporting to Action Fraud in December

they have traced it to a known fraud that they are aware of

and are currently in the process of doing charter applications in relation to this.


As a result of this the bank has agreed to returning the money taken from the account

- about £30,000 and we are in discussions regarding compensation


Now here is where the issue is,


I have a number of people that I now owe money to

- some because I was unable to pay them due to this happening

- some additional since then ( money off people I know )

and a third which is the ones that have been set up by the people who hacked it


Now this was all going fine and I have put in a request for my credit file

to see if I have got anymore that I am unaware of that have come on since

- I am hoping not


The issue I am having is

that I am not able to pay off the debts that are legitimate to me

but two of the payday loan companies are currently refusing to play ball

and accept I did not set it up

- I have asked for it to be wiped and any payments made refunded.

One of the companies has started court proceedings for which I have the 28 days to argue it.


So my questions are these


1- Do I pay off the debts I have currently

or do I wait until the Payday loan companies have stopped any action?

I do not want to pay everyone off only to find I then get a big court award that I cannot pay


2- Am I able to rectify my credit file now and state on there that this was not through fault of myself

and how do I go about doing this


3- Is there any letters I should be writing to the creditors to allow me the time to sort through everything

so I can then start paying people/ compaines off


4- Am I able to claim back any charges I have had from legitimate debts that I have been unable to pay due to what happened


Many thanks very much appreciated



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Hello Tom,


Quite a mess,


can you please say which company or companies are still chasing the fraudulent debts?


To rectify the credit reference files:

1 place notices of dispute on all adverse entries on all the CRAs showing the data.


You will then have to write to the data controller of each company that has registered adverse data on the credit files

and again explain (with evidence if possible) exactly what has happened and ask for the entries to be amended.


This may be a long term process.


I have seen a similar fraud case which was brought to a satisfactory conclusion

including have all the charges removed, but as said it will not be quick or easy to achieve.


You will receive excellent on these forums.


Write to ALL the creditors 'new and old' and explain the circumstances,

inform them of the fraud and crime number if you have one.


Also send copies of letters confirming what has happened.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 8 months later...

Exactly, it happened to me and now strangling really but have written to both creditors and one bank ( Barclays ) though written off but still showing as default. I defiantly need more help guys since been out of UK since 2006 came back in 2012 but this has affected my credit file.

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Hi there

So people can help you please start yoru own thread and tell the story so people can give you targeted advice








The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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