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I have just been through my bank account for 2017, and a random payment to Vanquis does appear. It makes no sense to be there though, there are no payments for years before that one, and it does not show up on my credit file as a payment. Although the default appears on the credit file in January 2018 which ties in with the last payment. So this means it cannot be statute barred. So annoyed. I can only assume the stress I was under at that time made me feel like trying to clean up my debts. I am re writing the defence, in (hopefully) a better format.
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Sorry about the delay been ill I was sent this link from them to check out https://northstate.io/
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By BankFodder · Posted
Also, we have to be careful to separate issues which relate to their failure to respond to your SAR – and which is the substance of your most recent claim – from the other information that they have provided in the defence which has nothing to do with this statutory breach claim. We must be very careful to keep these completely separate. They obviously have not appreciated the distinction between the two issues and we can use this to our advantage I now understand the point that you are making about signature. You are suggesting that if there had been an agreement originally it would have been signed with your old signature. You changed your signature – can you please give us the date – and also can you please explain what prompted you to change your signature and why you are so aware of the date. What you are saying now is that they have supplied an agreement which apparently is signed by you but which bears the signature which you were not using at the time. The inference is that the document has been deliberately forged. This is an extraordinary and very dangerous allegation. We have to be very careful -
By BankFodder · Posted
Thank you. The two CCJs are not relevant to this. They don't form part of the pre-action protocol for this particular action. The rest of it is interesting and we will have to think about it. What is very interesting is that they've identified the store where the phone was sold. Can you please tell us where store was and also send them an SAR. I think this SAR can relate quite specifically to this particular account/phone. If this means that for the first time they have identified the store – this means that this information has been missing in respect of previous SARs. That itself is evidence of a breach of the data protection rules. I think that the fact that the Sim card has been used or not used is irrelevant. Not having been used is not evidence that you didn't order it. It is any evidence that you never used it. In terms of this signed credit agreement – is that something which you have seen previously as part of previous statutory disclosures? The final part of your post relating to change a signature – I don't fully understand the moment. Also, please could you attach your tabulated file so that we can actually see your responses to the point they are making in the defence. You haven't addressed the point that I made that their defence doesn't seem to respond at all to your claim. Is this correct? -
By BankFodder · Posted
I'm losing track of this. You tell me that you now have two of these at home? Also, how did you get the vouchers?
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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-
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Picked By
BankFodder, -
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