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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Once you have accepted a CCJ, can you challenge


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Hi,

I was pressured into accepting two CCJ's as appearing in court would have been devastating, if it got that far.

 

Is it possible to mount a new challenge against the debt as I am sure that there is no enforceable agreement?

 

One was a Debenhams store card and the other was a Debenhams loan. Both were taken over by CL Finance.

 

 

They are a millstone around my neck, in more than one manner.

 

Thanks,

Rocky

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Sadly if you accepted the CCJs that is the end unless there is an error in procedure to get them set aside, or an error in law of which to appeal against

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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However, the store credit card

 

Any PPI? Any late payment charges or over limit fees?

 

The Loan, Any PPI?

 

THESE can still be reclaimed.

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Hi,

I was pressured into accepting two CCJ's as appearing in court would have been devastating, if it got that far.

 

Is it possible to mount a new challenge against the debt as I am sure that there is no enforceable agreement?

 

One was a Debenhams store card and the other was a Debenhams loan. Both were taken over by CL Finance.

 

 

They are a millstone around my neck, in more than one manner.

 

Thanks,

 

I don't understand above appearing in court.

 

Technically, your case did and you then received the CCJ's against you.

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Why would it be devestating? Its not a criminal court. Its a civil court. You got the CCJ's anyway, so im not sure i understand.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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I don't understand above appearing in court.

 

Technically, your case did and you then received the CCJ's against you.

 

Admittance./..default judgment does not require a trial stella

 

Andy

We could do with some help from you.

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