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    • Background: I am a private seller on ebay Item:  brand new toothbrush charger with brand new travel case for the toothbrush How I got the item: these were the accessories come with my electric toothbrush (cost £50, with invoice from amazon uk) If I were to buy the charger and the travel case separately that would cost me £11.99 + £8.49 How much did I sell: £4.99 + £3.1 (postage) Total of £8.09   24 Dec 2020 - sold 27 Dec 2020 - Posted: in a Parcel shop 18 Feb Buyer opened not-received case same day, I refunded the money contacted packlink - submitted a claim of £50 Packlink replied "your parcel is likely lost.","there is a deadline for claims." (conversation attached)   (Tracking up-to-today3 Mar 2021: "07:11 - Tue 26 Jan Your parcel is at our local depot and on its way to you")   What to do now: I will contact myhermes  ----------------------------------------------- (side story) The reason about chasing such a small amount with lots of works:  10 years ago a similar incident happened to me when I shipped a sony camera worth about £500 via parcel2go with hermes, I opt-in for a signature service and the courier just dropped the parcel at the front door of the buyer (and lost). They refused to compensate me.   Today I am a mature student studying law and long term lurker in this forum, I have been reading different threads and fascinated by how knowledgeable you guys in contract law and giving out free professional opinions(pro bono?). I refuse to let these cowboys dodging their ways out of people's right and I wish I could help innocent people like your guys. The best way to similar myself with contract law is to practice them.         Packlink convo 1.pdf
    • It is America's third major spending package to deal with the impact of the coronavirus pandemic. View the full article
    • When you haven't told us very much. When was the contract made? How long does it last for? How was it made? Was it a cold call on the telephone? Was it a visit to a shop? What's the cost? How old is your elderly mother? She bothered about her credit file? Does she need a mobile phone at all? In other words issue thinking of getting rid of the facility order she simply want something else? That lot for starters
    • Hi all,   Good to be back.   Pay monthly EE sim only - taken out through a company call affordable mobiles few months back by retired elderly mother.   Unfortunately - in use through lockdown (higher call rate than typical + video calls) the signal was very very poor at home.    Distorted calls & dropped calls - continuously and consistently. Complaints from those calling us, and those we call.   I am asking for help on how to get out of this product, as for a retired person who is vulnerable - a reliable mobile service is very important.   Please advise - as I am unsure of how to proceed.   L
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 25 replies
    • 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
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Letter to send to credit agencies to dispute a default on my file


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This is for another issue.... Theirs an item on my file that is incorrect hence the reason I was looking for a template letter to send to he credit agency.

 

Hopefully I put this in the correct location

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Ak ok...I have moved you to the Credit Reference Agencies forum.

 

There won't be a template since these kinds of things tend to be differ in each case.

 

Care to tell us the story and then we can offer better help.

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Read Here

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Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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Thanks.... I have a default from capital one and the amount is incorrect by as much as £300. it is a 3 year old account.

 

Ak ok...I have moved you to the Credit Reference Agencies forum.

 

There won't be a template since these kinds of things tend to be differ in each case.

 

Care to tell us the story and then we can offer better help.

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Can you tell us why you believe the default to be incorrect by £300?

 

We really need details so that we can try and see what might have gone on.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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if I owed £500 on my defaulted card how can it show £800 on my credit report as a default? My card only had a credit limit of £500

 

 

 

Can you tell us why you believe the default to be incorrect by £300?

 

We really need details so that we can try and see what might have gone on.

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if I owed £500 on my defaulted card how can it show £800 on my credit report as a default? My card only had a credit limit of £500

 

 

Have you had statements?

What is the default date?

Is this still in the hands of Capone or has it been sold on to a debt purchaser?

Why did the account go into default?

Did you receive a default notice and what was the default sum?

If it was defaulted for non payment or over credit limit/late or missed payments charges will have been added.

 

 

You should be aware that the CRAs cannot change the data supplied to them by creditors and will only no look to the creditor for an answer to your complaint.

 

 

Is Capone chasing this debt actively?

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