Jump to content


  • Tweets

  • Posts

  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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

Please note that this topic has not had any new posts for the last 1578 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Dear All,

 

I am hoping someone could assist my wife here with her rejected Santander for a Debenhams Store card.

 

Herself and her mother, where in the store at the same time and both took out a newly offered card at the same time, and spent near the same amount and never again used it since,

All they needed was some wedding stuff at the time.,

 

 

Now a month ago or so Santander got intouch with her mother out of the blue and said "hey we owe you some money" and she got £2500.

 

The wife wrote off to them, and i think they have just fobbed her off,

 

I have uploaded their reply and can be seen below.

 

It would be fantastic if anyone can let me know if we can turn this around and put it back in our favour..

 

I feel she is being mistreated and fobbed off with a standard letter

 

Regards

 

PDF file now attached,

 

Many Thanks

santander.pdf

Link to post
Share on other sites

Was your wife working or not at the time and can she prove it?

 

I guess your wife's circumstances may have been different. There's no harm in taking it to fos and it won't cost anything, try and get some more evidence if possible.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro 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.

Link to post
Share on other sites

who ticked the PPI box?

I bet the sales assistant to gain the commission.

 

non advised sale my foot!

 

quite honestly i'd ask why your mother got it back and not you

when you were both there at the same time

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • 3 months later...

Hi All,

 

Just an update, wrote back to Genforth and they wrote back fobbing us off with our own information.

Completed a complaints form to Financial Ombuds.

 

Last week Financial Ombuds called up , and asked a few questions and said i dont see why this cant be upheld, and they are going to make them pay up,

 

The total PPI that was spent was £186 about 17 years ago,

 

What would the potential settlement figure be based on that ?

 

Thanks

Q.

Link to post
Share on other sites

You'd have to use the cisheet to work that out

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • 3 months later...

Hello All,

 

FOS upheld complaint,

 

Cheque from Gentforth today for £888

 

Where do we stand in returning the cheque saying we want more,

 

Reason why, wifes mother, has same card, and same PPI payments and got £2.5k

 

Any ideas.

 

Thanks

Link to post
Share on other sites

Have you used the spreadsheet, as advised previously, to work out how much you should be owed?.

If your wife is owed close to £888, and your mother-in-law should have been owed close to £888 but got £2500, I'd not risk rocking the boat!

 

Surely your first step should be to find out how much each should have got, and then decide if you want "to take the money & run" or ask for more for your wife.

Link to post
Share on other sites

who are Genforth?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

 

Where do we stand in returning the cheque saying we want more,

 

Reason why, wifes mother, has same card, and same PPI payments and got £2.5k

 

 

Depends on whether you can show that you paid more than they've offered.

 

Your mother in law may well have spent more on the card then your wife did. She might not have paid off her balance by the same amount each month. There're plenty of reasons why different amounts would be offered.

Warning: Freemen of the Land Operate here. Think twice before accepting 'legal advice'.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...