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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!
       
       
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    • 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

Lowell Portfolio 1 Ltd and their searches


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Just got info for all 3 CRA's and found a search by the above last year.

 

As I understand it this will stay on for 2 years. Simply says 'Unrecorded enquiry'. So I have no idea what it relates to. 2 questions:

 

1. Is that type of enquiry visible to lenders?

 

2. How can I find out what it relates to?

 

This entry is historical, however all accounts in arrears became Stat Barred April/May this year. What would be the position if they again search my file when they are Stat Barred?

 

Not very well up on the rules regarding searches so any help would be greatly appreciated.

 

David

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As I understand it, although a tracing search from a DCA stays on your file for two years, it should not be visible to anybody but you. Of course there is no easy way of knowing that but this is apparently the case.

 

To find out why Lowell have searched your file then you would need to contact their compliance department and ask them - just be aware that this could be opening the door, so to speak, if there is a debt which is yours and which they are chasing and which isn't yet SB.

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As has been discussed many times before SB is a complex issue so as sidewinder says I wouldn't really be too worried.

Any opinion I give is from personal experience .

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I am pretty accurate on what debts I owe so have no unknown.

 

All of the debts became Stat barred certainly, with all having cause for action, (when 1st missed payment became due, no further payments and no ackowlegement of the debt) April/May 2014.

 

If the searches don't show however, not worth getting my knickers in a twist over it.

 

Thanks for the info guys

 

David

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