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forget the trade sale con it's NOT a trade sale and wouldn't matter even if it was..you paid via a debit card draw against a personal bank A/C which is obviously not a trader, under a business account and a trade. not sure why the RAC even mentioned trade, they must know its a total red herring and has even been on watchdog and rouge traders about this con numerous times as well as court cases!...shame on them!! you paid the dealer, look at your bank A/C... you didn't pay the owner that the dealer was selling it supposedly on behalf of. another untrue get out con.
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Hi all, I applied for a loan with Bamboo nearly 12 months ago for £1200. The loan was accepted and I received the money the day after, fortunately I was in a position were I could pay the money back within the 14 day cooling off period which I did (happy days) this week I went on my credit file which still shows the bamboo loan active with the full balance still showing outstanding 😬 surely bamboo shouldn’t of even recorded this on my credit file if I paid the full amount back within the cooling off period??
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By 2Ridgebacks · Posted
This the reply from RAC, we did not get a receipt, and had no idea about a trade sale. The sales invoice seems to have been created later to satisfy the RAC as there are no signatures on it, the HPI check shows it was carried out on 7.4.2021! -
By BankFodder · Posted
Yes of course. That's the only way to go. The county court system in this country is excellent and the ease Of access is probably the best in the world. However, this is not something you want to rush into. We need to do some careful preparation. It won't take very long but we need to make sure that we have all the information together and also that you understand the steps involved in bringing a claim in the county court. It's pretty straightforward but it will make you much more confident if you understand the route rather than have to ask us every step of the way. Please start reading up the steps in bringing a small claim in the county court. Although I have referred you to the small claims process, there isn't a huge amount of difference when you get things going. We have pretty well all of the information you need on this website. We also need to understand what further information you should put together if any. I would be especially interested to understand why the RAC have knocked you back. Please monitor for a further reply tomorrow -
By 2Ridgebacks · Posted
wow, thank you so much for such a comprehensive reply, the vehicle has thrown up some engine management issues, warning lights etc which have been cleared with a code reader, likely to return though. I have been told that I could use 'Money Claims Online', what do you think? Its a new service I believe. I don't think there is such an opportunity for obfuscation and costs are limited to 4.5% of the value of the claim, I think!
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Our picks
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Hermes - destroyed item as it was "damaged"- **Judgment for Conversion of destroyed item. **WON**
hellothere124 posted a topic in Postal and Delivery Services,
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-
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Post in Bailiffs in at BBC obtain 7 years interest on overpayment of TV licence
Its WAR posted a post in a topic,
I sent in the bailiffs to the BBC. They collected £350. It made me smile. -
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Post in Court Claim Against Hermes - item sent via Packlink was lost/tampered with **WON at mediation full amount **
jj58 posted a post in a topic,
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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BankFodder, -
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***Hermes and mediation hints ***
BankFodder posted a topic in Postal and Delivery Services,
Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003-
- 1 reply
Picked By
BankFodder, -
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