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    • They've estimated 10 years to agree a trade deal haven't they, UB? I think the Tories believed Trump when he said the UK would be at the front of the queue and have a quick trade deal and thought it would look good as an announcement after Brexit happened. It didn't dawn on them until quite late on that Donald might lose the election.   Why they ever thought US negotiators would do any favours is beyond me and now you see how other countries have asserted themselves over trade deals, the Tories global ambitions are starting to look naive.
    • It takes a long time to agree trade deals because there are so many aspects to consider.    UK companies trade with US consumers including US Government every day of the year, with the previous trade arrangements still in place.   There is no hurry to agree a new trade deal. It takes thousands of civil servants in both Governments to go into every aspect and they just don't have the people available to do this work.    
    • Hi thanks so much for the update and all the information. I will get my reading glasses on and look at the claim info and court info.  I agree let’s proceed issuing a letter straight away.  I am happy to stump the fees for court and am confident we will win.  The police officer I have dealt with has secured further CCTV evidence which I will ask a solicitor friend to get hold of from the Hermes parcel shop should we need any further evidence the parcel was dropped and collected.  Once I have read all the pages on here I will start putting the letter together and post on here for further advice.  thanks again,  mark 
    • The reason that I have indicated that it is the seller who should bring an action against Hermes is not because they are the seller – but because they are the person who suffered the loss. If you haven't suffered a loss then you probably don't have the status – locus standi – to bring a court action. Of course there is a slight problem that you didn't enter into the contract with Hermes – the purchaser did. Until 1999 this would have been a problem and would have prevented you from bringing any kind of action at all – at least on the basis of contract. However, since 1999, the Contracts (Rights of Third Parties) Act gives the beneficiary of any contract full third party rights as if they were a contracting party. The only exception to this is that if the contract specifically excluded non-contracting parties – and I'm not aware that Hermes has yet amended their contract to try and prevent this. Of course as usual, Hermes will make a big point about the fact that no insurance was purchased. Hopefully you have been reading around the threads on this sub- forum and you have seen that our view is that it is completely unfair and in fact it is absurd to require a customer to pay money to protect Hermes or any other service provider from the consequences of their own negligence or the criminality of their own employees. Every time this point has been raised with Hermes in mediation, Hermes have settled and we consider that it is because they want to avoid going to court to get a definitive judgement that their insurance scam – is precisely that – a scam. On the basis of what I understand here, this is more than just negligence there is criminality and your bike has been stolen. You've already begun a complaint and you have been knocked back and so I think there's no point in mucking around and I think that you should simply issue a letter of claim to Hermes giving them 14 days to settle in full or else you will begin a court action. Make sure that you have read around the forum about taking a small claim in the County Court. It's very easy but you need to be aware of the steps. If you send the letter of claim, then don't expect that they are suddenly going to refund you your money. They won't. They will force you to issue the court papers and who will then force you to pay the hearing fee. At this point, they will opt for mediation and they will try to knock you down and get your compromise in your claim. You should stand your ground and refused to compromise even a single penny. We will help you all the way. You seem to be a seller and a purchaser here who are getting on very well together and so as you are motivated by a common purpose, you may want to get an agreement where you decide to share the fees of court action – which won't be very much. I haven't checked the court fees for this value claim – but I expect that the whole thing will be only about £120. Of course you will get that back when you win – but bear in mind there is a is a slight risk factor and that means that £120 would be the extent of your risk and would be the maximum that you would lose. It is inconceivable that you would lose. You should be claiming the cost of the bike, the cost of delivery, plus interest which is presently 8% – a very good rate in today's economic climate. Of course you will also claim back your court fees. If you want to proceed then please let us know and let us know also that you have read around the stories and also the steps involved taking a small claim in the County Court and that you understand what you are doing. If you do your basic reading over the next couple of days then we can help you draft a letter of claim on Sunday and you can send it off on Monday. I would recommend that you post your draft letter of claim on this forum so we can check it. Keep it short and to the point.
    • That's what keeps divorce lawyers and mediators in work, I suppose. You think he's being unreasonable and he thinks you are.   My gut feeling is that it would be better to have this agreed in writing so it can't be challenged later, but that's just my opinion. Here's more information from the CAB in case it covers something you haven't already considered.   HB
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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

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A mum-of-six has hit out at a rent-to-own company after the cooker she bought from them broke down – and she had to wait four weeks for it to be fixed.

 

Tracy Stevenson, 40, of Briery Way, Adeyfield, Hemel Hempstead took out a payment plan for the new Beko induction cooker from Brighthouse in the town centre at £11.82 a week.

 

Over the next three years, the cooker – worth £666 – will set the family back £1,843.92, which is an APR representative of 69.9 per cent.

 

More ...

 

Just look at those rip-off interest rates. She paid £1,178 more than she needed, she could have taken her family on holiday or fed them steak with that.

 

Stop being proud and get your goods in a second-hand or charity shop and use that until you have saved up enough to buy a new one.

 

You can bet your life the boss of Brighthouse hasn't got a cheap Beko in his house and doesn't live on chicken nuggets.

Edited by Conniff
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I think a bit of honesty is needed with this.

 

Most of the clients probably have not got the educational knowledge to understand APR and what they will be paying back. They are probably on benefits and minimum wage as well. That is not an excuse to exploit them though

 

The average person who use this company are already credit blacklisted or fail to meet main stream lending criteria. The likes of companies such as BH exploit this. The same goes for Provident, Wonga, welcome finance etc

 

What is needed is legislation stopping any loan shark rates above say 50% APR %

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All agreements show the cost of the item and the total amount to be paid, not enough attention is paid to that.

 

I agree legislation but education is also needed.

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Too many the thought of getting a new appliance or gadget now despite paying a high whack is more preferential than saving and/or the inability to get credit at reasonable rates.

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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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A mum-of-six has hit out at a rent-to-own company after the cooker she bought from them broke down – and she had to wait four weeks for it to be fixed.

 

Tracy Stevenson, 40, of Briery Way, Adeyfield, Hemel Hempstead took out a payment plan for the new Beko induction cooker from Brighthouse in the town centre at £11.82 a week.

 

Over the next three years, the cooker – worth £666 – will set the family back £1,843.92, which is an APR representative of 69.9 per cent.

 

More ...

 

Just look at those rip-off interest rates. She paid £1,178 more than she needed, she could have taken her family on holiday or fed them steak with that.

 

Stop being proud and get your goods in a second-hand or charity shop and use that until you have saved up enough to buy a new one.

 

You can bet your life the boss of Brighthouse hasn't got a cheap Beko in his house and doesn't live on chicken nuggets.

 

Proud???? Have you ever been in a position where you cant afford a £1 for milk?

Ever not been able to put £5 gas in?

It's got edited all to do with being proud, its got to do with not having savings as living on the bread line, not having a normal credit line, not having friends and family to help out.

There is no way some of these families can afford £200 for a second hand cooker or even fifty pound to get a clapped out old rusty one.

That is a very silly out of touch comment by you there. Sometimes, all these families can do is take out a credit line with bright house or similar and just hope to make the weekly payments.

 

Yes, there are other ways, bit for some, the other way is just not an option. Sometimes its get sucked into bright house or go without.

Edited by Conniff
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Too many the thought of getting a new appliance or gadget now despite paying a high whack is more preferential than saving and/or the inability to get credit at reasonable rates.

 

Yes, I agree, to an extent, but as I have written in my last post, sometimes there is no other option.

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Proud???? Have you ever been in a position where you cant afford a £1 for milk?

Ever not been able to put £5 gas in?

It's got edited all to do with being proud, its got to do with not having savings as living on the bread line, not having a normal credit line, not having friends and family to help out.

There is no way some of these families can afford £200 for a second hand cooker or even fifty pound to get a clapped out old rusty one.

That is a very silly out of touch comment by you there. Sometimes, all these families can do is take out a credit line with bright house or similar and just hope to make the weekly payments.

 

Yes, there are other ways, bit for some, the other way is just not an option. Sometimes its get sucked into bright house or go without.

 

Do you think I am on this consumer help site because I'm a millionaire - get real, I've been there, done that and got the T-shirt, so climb down of your high horse.

Edited by Conniff
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Yes, I agree, to an extent, but as I have written in my last post, sometimes there is no other option.

 

I agree which was covered by "/or the inability to get credit at reasonable rates." :)

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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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Do you think I am on this consumer help site because I'm a millionaire - get real, I've been there, done that and got the T-shirt, so climb down of your high horse.

 

What high horse? If you "have the tshirt", why do you assume that these folk can just go and buy a second hand cooker. I think you will find that is YOU on the high horse.

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I agree which was covered by "/or the inability to get credit at reasonable rates." :)

 

My point was that you say its just because they want, and they could save. They could save. They could save the £6 a week for 12 months and then go and by a cooker. But what do they do in the meantime? Sometimes there is NO option but to visit a legal loan shark like this.

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Folks, chill... We have been down this route before... We have loads of threads on BAYV, Caversham Finance and PH...

The end of the story is that not enough is being done to explain to people why they shouldnt be using these companies.

 

We could do with some help from you.

 

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**Fko-Filee**

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I fully support the idea of increasing awareness of Credit Unions that might help people from falling victim to these loan sharks

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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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I fully support the idea of increasing awareness of Credit Unions that might help people from falling victim to these loan sharks

 

So what can we do to get the message across ?

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No... you can't eat my brain just yet. I need it a little while longer.
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So what can we do to get the message across ?

 

Now that is a very good question. CAG has promoted the Credit Unions via the Newsletter - dedicated threads and on threads where people are complaining about these BAYV companies AND still people will not seek help from their credit unions. !!

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If you can't afford a pound for milk or 5 for gas, then you can't afford 12 per week finance. What's the point of having a cooker if you can't afford to buy anything to cook.

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My point was that you say its just because they want, and they could save. They could save. They could save the £6 a week for 12 months and then go and by a cooker. But what do they do in the meantime? Sometimes there is NO option but to visit a legal loan shark like this.

 

wow take a time out will you!!

 

I use to be with BH and i have made do with out them, for the past 3 years, you can pick up 2nd hand items for 40.00 to 60.00 and for most that are with BH thats about how much they pay to them each week, so they could go and get a 2nd hand cooker within 1 or 2 weeks, you don't always need a cooker to eat?

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A reduction in their horrendous prices would help many of their potential and current customers.

 

They seem to add on at least half as much again to the price of an item and add in all the extras to make it seem a good deal - when it isnt.

 

I've had excellent items from our local freecycle group - that is another option open to some people, there are always cookers going on our local one.

 

The trouble is people are lulled into a sense of security and acceptance by these companies and can't get out of the cycle when they are in it.

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I have just read the article that was linked - it was slow in loading when coniff first posted this thread.

 

 

Tracy, whose two older children live elsewhere, says she usually cooks chicken nuggets, pizza and pies for children Blake, 19, Brandon, 18, Brooklyn, 15, Kirstin, 12, and five-year-old Mackenzie when the oven is working.

 

 

Tracy, whose husband David, 42, is unable to work because of disability, said: “It’s not on. I have kids with special needs – Blake has ADHD and Brandon has Asperger’s, so we shouldn’t have been left for that long without a cooker.

 

Some of the comments are quite beastly, however I can understand why they were made.

 

One of the children apparently has ADHD and the above menus are cooked when the oven is working. TBH, that is not cooking it is heating up !! And, why on earth would you feed a child with behavioural problems such dreadful foodstuffs ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It would also be nice to see 'layaway' plans available, either as a government backed scheme with a minimal fee, or on offer by stores that sell essential home items. Although it doesn't help in times of emergency, it is useful for some to have that money locked away for the new item, regular smaller payments, and not having to go into debt.

 

I agree about the second hand and freecycle items, these are an excellent resource - apart from a bed we already had, my husband and I kitted out our first unfurnished rented home together with second hand goods for about £150 (14 years ago). You used to be able to get some good second hand stuff from the age concern furniture shops, but their prices have increased.

 

Budgeting loans are still available to those on income based benefits, but in my experience, too many people will use them for a 'nice christmas', rather than what they should be used for, and when something breaks down, don't have that avenue available to them as they're still paying off the last loan.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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When my MiL died we offered a chaity that recycles furniture her belongings and they rejected most of them, even though they give them away because apparently those people living in poverty in Dorset need a large flat screen telly and not a mere 28" JVC with separate Freeview box. They were also hard pushed to accept an almost new washing machine and bed (had been used with mattress cover so spotless), the former because they would have to offer the recipient a guarantee even though it would be donated to them and the bed because it was used.

When I married some 35 years ago we had a secondhand bed that belonged to my grandparents when they got married and didnt have a telly for 2 years and then a valve driven B&W set.

I do think that sometimes people do look a gift horse in the mouth and make everyone else in the same predicament a laughing stock (story above) and sometimes the rules forced upon well-meaning people and charities are too sureal to be believeable but they, like all sterotypes exist.

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When my MiL died we offered a chaity that recycles furniture her belongings and they rejected most of them, even though they give them away because apparently those people living in poverty in Dorset need a large flat screen telly and not a mere 28" JVC with separate Freeview box. They were also hard pushed to accept an almost new washing machine and bed (had been used with mattress cover so spotless), the former because they would have to offer the recipient a guarantee even though it would be donated to them and the bed because it was used.

When I married some 35 years ago we had a secondhand bed that belonged to my grandparents when they got married and didnt have a telly for 2 years and then a valve driven B&W set.

I do think that sometimes people do look a gift horse in the mouth and make everyone else in the same predicament a laughing stock (story above) and sometimes the rules forced upon well-meaning people and charities are too sureal to be believeable but they, like all sterotypes exist.

 

A lot of charities are set up because someone has seen a gap where they can make big profits for very little outlay and not much work. It's time those applying for charitable status were looked at closer and the ticket not just handed to them because they asked.

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