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    • This is the entrance until recently.   Is this place near you?  Would it be easy to go back and take photos of the signs as they are now, especially at the entrance? Arndale entrance.pdf
    • well 10/10 for opening a parachute account and stopping LLoyds dipping into your meagre income.   who are moorcrofts stated client please on their letters?   as for cabot, send them a CCA request when did you take this card out please?    
    • Yes it is the Arndale. Until 2018 it had always been free to park there then they introduced charges. I'm guessing the carer might have thought it was still free for 3 hours. 
    • I sold an item on ebay through their bidding system, ebay recommended I use PackLink as a delivery service so I did. I dropped the item at a local shop and video tapped the item being taped in the parcel with the label stuck on. The parcel was scanned and approved awaiting to be collected by somebody from Hermes The person collected this parcel later that same day (both events are recorded on hermes tracking website) and the tracking did not update past that point. I contacted Ebay, PackLink and made attempts to contact Hermes the following day to trace the parcel, and it took PackLink 6 working days to establish that the parcel was 'lost'. Hermes contact was appalling as it is automated (live chat and phone) and when I could get through, their automated system stated that due to the label being from PackLink, all issues are with them. Once the parcel was lost, I was told to write up a claim form, for PackLink which I did so. They initially offered me £25 + label cost, which I told them I reject through email. They then refunded me both amounts despite me rejecting this.   It took 6 working days for them to admit a problem and to send me that amount despite my rejection.   I found this companies house number for PackLink: 09026541   That claim form you have linked me is for people who have a claim against them, is this the right link (it asks me questions such as if I received notice from the creditor, why I ceased payments etc)   Thank you for the assistance.   I have just checked today and it says:   HERMES PARCELNET LIMITED filed an acknowledgment of service on 19/10/2020   The claim was submitted by me on the 12th.   Am I able to PM you privately with my claim form?  
    • Is this the Arndale?  On Google Maps it seems the only multi-storey in the area, and it's "managed" by ES Parking.  I see that there were recently three hours' free parking.  As dx says, that will be on the planning permission which immediately knocks the fleecers' claim out of the water.   Plus, love to see them pursue someone for driving who can't physically drive!
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Property possessed by Nat West, sold at a loss, balance required.


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I've not considered mounting a claim yet but that sounds like a good idea, I suppose it depends on what I can include.

"Modern 'currency' is known as 'fiat money': it is artificially created, has no value in itself and the basis for use in exchange is typically a government edict." Paul Morran, Information Rights Unit of Her Majesty's Treasury.

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and any insurances/ppi etc the original mortgage agreement included?

 

 

shame you followed the freeman rubbish...

bet you're glad to be here now....

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... 

 

 

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I've merged your old thread for history too.

 

 

 

 

dx

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... 

 

 

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Thanks dx, yes, possibly a shame, though I don't think it's all rubbish just have to be a bit more selective and I should have planned things a lot better.

"Modern 'currency' is known as 'fiat money': it is artificially created, has no value in itself and the basis for use in exchange is typically a government edict." Paul Morran, Information Rights Unit of Her Majesty's Treasury.

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I don't think the SAR applies as it is/was a secured business loan and not therefore under the Consumer Credit Act, I did try that tack at one point. Thanks though havinacastella. :)

"Modern 'currency' is known as 'fiat money': it is artificially created, has no value in itself and the basis for use in exchange is typically a government edict." Paul Morran, Information Rights Unit of Her Majesty's Treasury.

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don't think theres ever been a FmOTL win?

but that's immaterial now

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... 

 

 

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I don't think the SAR applies as it is/was a secured business loan and not therefore under the Consumer Credit Act, I did try that tack at one point. Thanks though havinacastella. :)

 

SAR has nothing to do with CCA1974

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Sorry Andy, I must be getting mixed up with some other request, possibly one for getting evidence from them for court or something. I know something like that I tried to get all the info they held on me which they didn't respond to within the time limit specified. I will have to check again but maybe the SAR is a good way to go, thanks again.

"Modern 'currency' is known as 'fiat money': it is artificially created, has no value in itself and the basis for use in exchange is typically a government edict." Paul Morran, Information Rights Unit of Her Majesty's Treasury.

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I think you probably mean a CCA (Consumer Credit Agreement) request (section 77)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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