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    • Good news for me is that the Bounce Back Loan came through so I can pay the full car payment!  Thanks for reply.
    • Welcome. please follow the advice given above as to reading around the various stories and then monitor this thread for a full reply tomorrow  
    • Hi Everyone,  I am the seller in this case and want to thank the buyer for their support.  The bike was delivered to the local Hermes Parcel Shop really well packaged and sealed on the 3rd Feb with a receipt obtained.  Sadly the parcel was emptied on route to the buyer.   I had listed the bike for collection only however the buyer messaged and asked if we could arrange a courier to which I agreed and they organised that.  When the bike went missing I contacted the local police as the Hermes parcel shop said they would not release CCTV to me.  We got all this from the Police.  since then the buyer has tried his very best which I am grateful with Hermes and parcel2go but is struggling.  Any help is appreciated. 
    • Also, you should start a claim against Hermes. Post your story on the Hermes sub- forum. Give us a full breakdown – including dates and value et cetera. We will help you get your money back
    • We care, we are highly motivated – and we enjoy winning against Hermes – which we do on pretty well every occasion. Start reading the sub- forums so that you are familiar with all the Hermes stories and the way that the process normally goes. Make sure you understand the mediation process. Make sure also that you understand the steps involved in bringing a small claim in the County Court. It's very easy but you need to know the steps in advance so that you have confidence. Don't forget that this is a self-help forum   If you have CCTV footage then please post it here. I suggest that you put it up on youtube and then post a link to it on this thread.
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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

Homeowners hit by 'sneaky' mortgage fees


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Homeowners are having to pay 'sneaky' and 'unclear' mortgage fees, according to the consumer organisation Which?

 

 

It said borrowers face more than 40 different fees and charges, making it hard to calculate actual costs over the lifetime of a mortgage.

 

 

Average arrangement fees have almost doubled in five years, from £878 in 2009 to £1,588 in 2014, its research found.

http://www.bbc.co.uk/news/business-29878570

 

 

Which?'s latest research on the mortgage market uncovers the complex and unclear mortgage fees and charges people are facing. They found more than 40 fees and charges across the market, including set up fees, arrears fees and final repayment fees. Some providers use different names for the same or similar fees – for example a booking fee can also be called a reservation or application fee.

 

Mortgage fees examples

 

track-our-progress-mortgage-fee-names-image-384482.png

http://www.which.co.uk/campaigns/insurance-bank-card-fees/chancellor-autumn-statement-mortgage-fees#?intcmp=HP.hero.small.2.a.wcucampaign.feeschargesmortgageupdate.nov03

 

Which? is calling on George Osborne to use his Autumn Statement to Stop Sneaky Fees and Charges on mortgages and make it easier for people to find the best deal.

 

You can help by signing our petition here:

 

http://www.which.co.uk/campaigns/insurance-bank-card-fees/

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