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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
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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!
       
       
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No signature just branch name written instead ?!?


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Ive recently asked my bank to provide me with the Credit Agreement relating to a loan from a while ago.

 

The document I received back had my signature on it but instead of an authorising signature from the bank it had the name of the branch handwritten instead (in upper case).

 

Is this still considered to be a valid signature?

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Hello and Welcome,

 

Could you give some more detail about your loan, how old, was it paid off, any PPI taken out with it ect.

 

Thanks,

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

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yes that is ok

 

 

why did you request the CCA?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sure, the CCA request was made in relation to PPI and the general mis-selling of a number of loans by a branch manager who is now on an "undetermined period of leave".

 

The loan was initiated in 2009 and was later consolidated into a larger loan too. I am currently putting together an approach to the ombudsman regarding the way these loans have escalated.

 

dx100uk you are happy that someone writing the name of the branch constitutes an authorised signatory?

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well by normal methods it just gets stamped anyway.

 

 

have you sent them an sar to get everything?

 

 

sounds like you might be in for a good windfall here with all the roll overs?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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