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    • Bet its paid with taxpayer money
    • link always do that it doesnt change anything.    
    • Link deducted the £1 I sent for the credit agreement request from the judgement balance even though I made it clear in the letter for them not to. So i'm assuming that this will make the transaction complete and making them the legal owner now.   At the time I thought the credit card had been cut up and didn't know the mortgage was being paid on it. Hence why I was so shocked that RBS allowed this much to be burrowed on a card.
    • well get something sorted so the CCJ doesn't happen  then go after vanquis under IRL, might get all or most of the balance wiped......just musing..
    • probably one of the freeman of the land 3 letter syndrome twaddle companies that have been popping up on facebook of recent.   there was a rather large d-live conversation resulting from one of them if you followed the rabbit hole links on facebbok whereby the two main protagonists behind most of the adverts in various fake company names  claimed they had got the rankines case over thrown and you could now win by following the old twaddle. it got removed over xmas.   as for dealing with the defaults...1st i hope you've not settled these to DCA's have you?   if the defaults were a true reflection of the way you operated the accounts (bar the one you claim in not yours...more later) there is little you can do sadly, though appealing to the better nature of the original companies whom registered the default sometimes works esp if you settled the debt with them not a DCA.but why would they have sold it if you'd settled the debt. sadly i think you've been had blind if you've paid any DCA anything .   as for defaults preventing a mortgage got to a proper broker that knows his onions,  2 are settled so shouldn't be of an issues 1 you say isnt your ...tell us about  one is with lowells now and unpaid...whats was the debt and with whom.   we have known people to get a mortgage with 5 defaults here all from 2018/9 period without having to get done over by a high rate of interest. in this current climate it should be easy now to get a mortgage...
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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
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Can you claim costs if claimant discontinues?

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Is it possible to claim costs for admin, time, reproduction of financial records and data requests if discontinued before allocation to SCC?



Also would no contact prior to starting the claimi relating to a claimed debt almost 6 years ago,

refusing to engage post claiming,

and refusing to say what the debt was for

count as unreasonable behaviour?



I literally just got a value and no other particulars of claim and



they refused all corrospondence and lied to the insurance company saying it was a separate claim.



They withdrew when they saw my defence saying that the only contact I had with them was via my insurance company during an insurance claim

and that I had requested all paperwork which should be available prior to court.

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I think you can only claim costs in a Small claims if the other party has been unreasonable.

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Wasted costs & CPR 38 applies to Fast Track cases only.......

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Thank you, I think it's a none starter. I thought there may be a case due to unreasonable behaviour and or because they discontinued before allocation therefore not SCT as prior to allocation. Just not sure what they would use as a requirement for unreasonable behaviourc

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