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    • converted.pdfTrying to help my partner with a Barclaycard debt (she lost her pip in 2018 but it was eventually reinstated). Even though she offered payments of £50/month for a few months they refused and demanded £150/month, at which point I intervened and sent off a request for the original CCA ( which was taken out in 1981!). Here’s a copy of their reply...      I ignored their reply, as what they supplied was clearly non-compliant. Let sleeping dogs lie... They have now sent the account to Link (after two years of inactivity) and Link have started on the phone call/text/letter route already. Any suggestions as to how to proceed gratefully received! Many thanks in advance.
    • i will guess what you are saying here is you have 2 defaults for each PDL? one from the debt purchaser and one from the original creditor showing on our file?
    • I  have a personal loan with Likely loans. I  have had a payment holiday and times up. I want to refinance this debt. I have an offer for a much better interest rate. I want to offer Likely less than the outstanding balance  to save the loan cost if I can. Want to see if I can get them to give me a discount off the total P&I  balance now.  Has anyone on this site had any success with getting a discount  off of a total balance plus interest (full amount) to settle an account early?  My loan termination date is 2023.  If yes what is the %.of the discount?  Do  any Caggers have success stories they can share . Otherwise I will have to wing it. total outstanding amount is £5700 (P&I)  
    • I applied for housing benefit some time ago and after much correspondence and my subsequent request 4 months ago for a decision notice, I am told to just await one with no time frame of when to expect one.   How can I get the council to provide one? I am worried that they have just put my claim on hold indefinitely and I can't progress it to the tribunal stage yet if they refuse the claim as I haven't had a decision notice.
    • Thanks. It's still rather difficult to understand. You had a pay as you go Sim card with Vodafone they offered you a different deal VOXI which you accepted and you were told that it would need a different Sim card. You are told that the new account would keep the same original number They said that they were sending you the Sim card – but it never arrived meanwhile you kept on using your original pay-as-you-go account with your original number you then discovered that although you weren't paying for the new Sim card, they were billing you for it so in effect the situation is that you have been paying for a pay-as-you-go Sim card and in parallel with that, Vodafone say that you have been committed to a contract for a second account VOXI – in addition to the pay as you go account. Is this all correct? Does the VOXI account have a different phone number?
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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

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Personally, I wouldn't. The two people I know who tried it were charged straight away and was difficult to get money back. I'm sure others will join in soon on here.


Maybe someone who benefits from the service will post.

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I signed up for it last year, you have to provide card details, I didn't cancel in time and they too £79 off my card. The day before I thought the trial period was over - having said that I've watches loads of stuff on it last year but I canceled this years subscription x

scotgal 

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I've been using Amazon Prime for a while now - it's saved me a fortune in postage for various items. It depends on if you watch the TV part of it - I find there is a better selection of the films and shows I like on Prime rather than on Nextflix. I got my Amazon Prime when they had an offer to get it for £59 instead of the usual £79.

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If you use Amazon regularly and want to download lots of films then I understand it is quite a good thing. Savings on postage if you actually buy items.


It was no good for me as I only really use it for Kindle downloads and you can only borrow one book a month - unless you take out the kindle unlimited as well.

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As with others, replies :

Do the cost / benefit analysis.


Do you want next day delivery often?

Are you currently paying lots in postage (& bear in mind not all items are available on Prime).


If your last years orders are representative, look at the postage costs you would have saved if the items were on Prime.

Consider that for the members of your household who would also benefit (if they would contribute to the cost!)

Consider if you (or they) would be eligible for one of the reduced rate Prime's (eg student)


Are you in a Prime Now area?

Would you use Prime Now (it is only available to Prime members, but is currently only in London & Birmingham, has a £20 minimum but can be same day, in 2 hour defined slots.

I'm aware of people ordering during the day to be delivered that evening when home from work.


Then factor in how much the Prime TV would be worth to you.

You should now have your answer.

I'm not sure anyone can reply for you, as they won't know your circumstances!


For my household / home : it makes sense. YMMV.

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I thought it was free for a month, that's how I read it..


The general Prime terms allow for a charge pro-rata if you cancel part way through a year.


My concern was that some "free trials" commit you once you begin to use them!

The Amazon Prime free trial T's & C's for the .co.uk site don't seem to have this provision : it appears genuinely free PROVIDED one cancels within that first free month, even if you have used it, BUT you must cancel within that first month if you don't want it to continue.

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If you use Amazon regularly and want to download lots of films then I understand it is quite a good thing. Savings on postage if you actually buy items.


It was no good for me as I only really use it for Kindle downloads and you can only borrow one book a month - unless you take out the kindle unlimited as well.

I also had kindle unlimited but I wasn't reading enough books to just justify the £7.99 a month subscription- so I cancelled it the other day, Amazon then restricted some of the books I had on my device as my subscription had expired

scotgal 

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