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    • It looks good. Check that you can find the physical address using Google and then apply for the warrant.
    • Firstly, even if they get away with this, it doesn't mean you won't win.  The solicitor can eloquently waffle on as long as they like that the signage isn't carp.  I'm afraid the signage is carp and the photos show it is.   Virtually everyone who has beaten these companies in court was facing a solicitor, but still won.   So do what dx, Andy and the court woman said.  Write to the court now pointing out this is a supplementary WS and it was submitted to you & the court 17 days after the deadline albeit with a date on to pretend it was written before the deadline, and you invite the court not to accept it.   If you get nowhere, then challenge it on the day in court.
    • 21st April for them to produce, personally I think this is way too much time for them😪 Order of the Sheriff-1.pdf
    • My daughter has been selling unwanted items, mostly clothes, for a couple of years now with no problems until recently.  She sold to someone in Germany before Christmas, which was claimed never got there, so obviously paypal refunded the buyer, no questions, despite her never having any problems before now, which left a negative balance.  She sent it using Hermes, something I have only just realised was a big mistake.  She has proof of postage given to her when the package was collected, although the reference number is now not recognised by Hermes, so getting in touch with them to find out what happened to her parcel is impossible (as many social media platforms have confirmed this).   So the outcome is that while we were trying to get in touch with Hermes, paypal have, very quickly, passed this on to Moorcroft who are now hassling her.  I have told her not to worry about Moorcroft as everyone knows how these people operate, I have reassured her that there will be no visit to the door from anyone.   The only concern she has is whether it will affect her credit file, as she has worked hard to get a good credit rating over the last 4 years and doesn't want something like this to destroy it.  My thought is that it can't as it is not credit, and she hasn't gained financially in any way, quite the opposite really, so it can't have any negative impact on her credit file?  She is prepared to give Moorcrost the money just to get it sorted, but I don't want her to be hasty in giving them people anything.   I've looked at a few posts similar to this and my understanding is that this is correct but just need reassurance to pass on to her.   Thank you
    • It was granted on 17th Feb and i requested to their Leeds address below:   Hermes UK Capitol House 1 Capitol Close Morley LEEDS LS27 0WH   This does look like the correct Hermes UK office address though?
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
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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

HSBC ruining my self employed business

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To anyone thinking of opening a bank account with HSBC,


I've just had a credit report from Experian I was shocked to see HSBC had never notified me in any way or form that they had black listed me back in October 2012, it relates to a direct debit of £50 being returned but paid in full four days later,through one single direct debit being paid four days late HSBC have totally ruined my business for a period of 6 years, as its now impossible to obtain any loans for my business,


I have obviously raised a complaint with the financial ombudsman today being 15th March 2016 I spoke to a Representative from HSBC dealing with my complaint regarding me unable to obtain loans through HSBC blacklisting me, she could not care less it was a total waste of time, but I intend to post on you tube the letter that I received from her together with the bank statement showing the direct debit being paid in full only four days late, also the information that HSBC gave the credit agencies, which was worded

non revolving credit.


No one including the Financial ombudsman can believe how HSBC has black listed me without informing me in any form.so now I will be posting this on you tube warning people to be very careful before banking with HSBC obviously I will not be banking with them in the future, I believed HSBC were there to help self employed businesses not to ruin them like in this case,

Edited by citizenB
formatting and removing Bank staff name
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How do you mean "blacklisting" Have they put a default against your credit file ?


It seems a bit harsh for one missed Direct Debit ?

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I have unapproved your duplicate thread, please continue to post here regarding this issue.







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

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