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    • You couldn't make it up TJ
    • Ok thanks for sharing. Sorry to ask all these questions, just trying to unlearn things I had been told previously.   I've found examples on these forums of people that find CCJs against them when overseas for small debts as they didnt defend due to claims sent to their UK address which they then need to set aside.   This seems to contradict what you are telling me (I'm not implying you're wrong) that a DCA has zero powers. How do people end up having CCJ's form these companies?   Thanks as always
    • Hi All,   I would really appreciate any help in this. I want to stop paying this and am wondering if I need to offer F&F or if I am good just stop paying. A few details first:   1.DMP with StepChange started circa 2010 2.Have been paying every month since 3.Want to stop paying/clear as want a new mortgage in the next 9 months or so 4. None are currently showing on my credit file   And the finer detail:     * = these were on my credit file until recently. I complained stating that they should have been defaulted as it was unfair. They have stopped reporting now - but werent able to add a retrospective default date.   I havent made any enquiries about CCA's etc. I want to just stop paying but also cant have any of them appearing on my credit file as need another mortgage etc. I understand most will likely not have a CCA but there is one overdraft related entry so not sure what to do about that one. Also I think they could CCJ but can they start reporting again - I know the ones with a default date cant but can the others?   Hopefully thats enough info. Would really appreciate your excellent guidance   Many thanks    
    • This sites getting less and less accessible every week   Got my vaccination invite over weekend   despite living on the edge of a large town with a number of other large towns just a few miles away in various directions, and a 'university' city only 8 miles away, nearest center with any vaccines is about a 10 mile drive away in a small village. Interesting that the maps link showing you the locations for my nearest (sic) vaccination points are wrong - this is from the NHS vaccine booking site.   Once you have selected a location to see when vaccinations are available, it also wont let you go back to select another location, and if you just close the page down (without booking) and open the site again and put in your identification data, its gives you a 'you have failed to attend and will have to book both appointments again' message - despite not booking anything. - wonder if thats how they've counted 20 million vaccinations?   Checked with 3 local surgeries including my own asking why none of them are an option and two haven't had any vaccines for over a week and haven't even been able to book all their own vulnerable for a vaccine, other has vaccine but is only booking its own priority people   Makes me think the claim of 20 million vaccinated is complete and utter 'Johnson      
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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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Long but i would appreciate some answers,

im so sick of these people and their treatment against me,

so i beg you help if you can.


I lived in one of their properties after coming out from a woman refuge for 4 years with no problems,

however my ex boyfriend found me and kept harassing me.



I was living in Brent (lets say) and on my report from the police and national DV workers it CLEARLY stated i cannot be re housed in Brent.


However i was re housed in Brent, i took this property as i was TOLD if i refused it i will be kicked off the management transfer list as im only allowed ONE choose.

so im in the same borough i was fleeing and told not to be housed in.


Whilst at this property i had a woman upstairs who racially abused me, harrassed me and threatened me several times.

she never admitted to racially abusing me but she did admit to the neighborhood manager,

knocking on my door to start arguments (harrassment) and banging on the floor at me (harassment)

she was also recorded as i had noise recorders in my flat banging around on purpose to harrass and upset me,



however because i only recorded for 5 days and not the whole 14days they said it isnt a "pattern"

even though legally a pattern constitutes of more than two occurrences.


I also contacted the police who didnt do anything, nobody wanted to do anything.

In fact they didnt even want to move me only because i brought up i wasnt meant to be housed in Brent they moved me again.


I actually developed BAD depression from all of the above.

I was pregnant and i lost my baby from the stress.

I have a claim with the Housing obud but they have a "backlog" of work and a year later still NO answer from them.

so again im only allowed ONE choose as it is management transfer and im now in Camberwell london


again had issues with the neighbor downstairs,

he constantly knocked on my door,

followed me to the end of the road,

stared through my windows,

had some stuff on cctv and he admitted to knocking on my door.

This time the police were great however


Had to go to top management for my neighborhood manager to even tell him to leave me alone.

They kept saying its a "police matter" even though it says in the tenancy to not harrass other tenants


Instead my NHM was more interested in harrassing me about getting carpet as the man downstairs kept complainin ,

as when i moved i left my job and was on benefits i had no money to get carpet,

so i again had to go to top management to get £300 worth of vouchers for carpet,

which ONLY covered a hallway, the flat is BIG


NHM never addressed the fact the guy downstairs was harrassing me,

in fact none of them did they seem to justify his stalking behaviour with the fact i didnt have carpet

like that some how means he is allowed to stalk me because im making normal living noises.


NOWHERE in my tenancy does it state i MUST have carpet, it just says you cannot have laminate flooring.

they blackmailed me because they gave me £300 which didnt even cover the flat,

they constantly mentioned this £300 and said i will have to give it back if i somehow dont carpet the whole flat with this £300

the flat actually cost £800 to carpet and underlay, thats CHEAP carpet too


Now final issue

the guy upstairs to me has laminate flooring, this is making it very noise upstairs,

i have complained about it and stated i was told i had to carpet my flat (even though i could of had vinyl or lino due to tenancy)

and again they bring up the £300 vouchers

they also said to me that the man upstairs is just normal living noise and they will have to prove he is intentionally making noise


i asked them if thats the case why wasnt i considered normal living noise when the man downstairs was complaining about me

instead i was harrassed and blackmailed and they said because i had no flooring

which i stated is untrue as i had carpet in my living room within 3 weeks of being here

and he was complain about noise from the living room.


they said guy upstairs has old tenancy and it doesnt say anything about laminate flooring

i said well mine doesnt say anything about carpet but i still laid carpet and was told to lay it.



I find their treatment of me very unfair, anytime i have a complaint it is brushed off, anytime anyone complains about me it is legitimate.

They discriminate against me, ignore me, harass me and apply the tenancy when it comes to me but when it comes to others the tenancy doesnt include.


they refuse to deal with harrassment which is stated in the tenancy

they refuse to deal with noise nuisence which is in the tenancy for me but for guy downstairs they dealt with it


what can i do?


(i know some people may think im a nightmare, im not, im an easy target,

im 21yrs old, short female who is usually home alone doing my uni work,

im an easy target for bullies which is why i get into so many issues)


just to add, when i made a complaint about the guy upstairs and his walking in boots on laminate flooring,

he got the letter and came and banged on my door bout 20times in a row.

I was asleep and he woke me up, it sounded like a police raid no joke.


When i complained the next day to the Housing management they said he only wanted to talk to me

i said NO this is untrue he wanted an argument, why wopuld you knock on someones door so much

and i KNOW if i was a male he wouldnt of been bang down my door like that.


they again brushed it off saying the guy is reasonable and i should talk to him, which tbh i dont want to i find him creepy.

this guy has started to run up the stairs and stamp on the floor ever since i complained about him,

but HM ignore it and act like im making it up because the guy has been here for 8 yrs with no complaints.


but they fail to aknowledge the fact his flat has mostly been vacant within those years and the last main tenant who lived here was a deaf old women.


the man upstairs thinks he owns this flat, he used to get his visotrs to press MY bell

(because its so loud due to the last deaf tenant and his is broken)

the fact that he even brings up he has been here 8yrs is irrelvant

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