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    • nothing....   other than insuring their client is informed by you of your correct and current address in writing.    
    • 1) a very remote IF.... 2, no you post the results of that questionnaire to a post as text.   my links were not so much to be used to inform you how to deal with a remote chance of a court claim.. but more for you to understand the whole creation of the fake debt process...   not sure what device you use but incase its one that doesn't show my red text below all posts... i shall post it in this msg body...   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...     
    • No, it's not. Just as GAP and other insurance's, when supplied and used correctly, this type of insurance can save the driver\owner a fortune. Some diamond cut alloy's are over £1,000's   Rim protectors won't help all the time and a replacement set of tyres may not have them at all.   Not useless at all. Generally, generalisations like the one above are sweepingly unhelpfull. Or wrong.   H
    • Ok cool found a few. Just to confirm.   1) Wait for the claim to arrive in the post. 2) use the template with the claim details (bar pesonal details etc...) BY tempalte I meant the one here: Link   And take it from there?   Sorry, I'm not usually this unsure, but this is totally new terratory for me! last hting I want is to do something wrong when it comes to the legal side of things...
    • Hi I have a couple of credit card debts from Dubai, one of which I'm getting hassled about via email by IDR.   They said they got my email details via a credit agency....(its the same email as the bank would've given them!)   my thought is, that really we're in a stalemate. I have no assets and work as a freelance (ie they cant take any wages if it came to it) therefore why would they spend cash as its not their debt, to take me to court. and on top of that what would it achieve?   Im sure im being simplistic but what have I got to actually fear?   Thanks in advance dubai 5-0    
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 25 replies
    • 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
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What you can do if your holiday firm goes bust


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http://www.mirror.co.uk/money/lowcostholidayscom-collapse-what-you-can-8488525

 

 

3. Claiming your money back

 

All may not be lost. You may be able to claim your money back depending on how you paid.

 

If your booking cost was more than £100 and you paid all or part on your credit card you may be able to make a claim under section 75 Consumer Credit Act.

 

If successful, your credit card will refund your money.

 

Section 75 will not apply to debit cards but you can take advantage of the chargeback scheme. You must contact the card provider within 120 days.

 

So far HSBC, RBS, Halifax and Lloyds have all confirmed they will honour chargeback scheme claims made by Lowcostholidays customers.

 

If you used online system PayPal, contact them and claim via their buyer protection scheme. You must do this within 180 days.

 

 

http://www.telegraph.co.uk/financial-services/insurance/travel-insurance-online/companies-going-bust-to-countries-no-longer-safe--can-my-travel-/

 

21 July 2016 • 12:38pm

 

 

 

 

 

More than 135,000 holidaymakers have lost or will have to pay twice for their summer holidays after the company they booked with, Low Cost Holidays, went into administration earlier this month.

 

Around 27,000 people who booked through Low Cost Holidays are currently on their holidays, while 110,000 have forward bookings.

 

Only those with travel insurance which included “supplier failure” cover will be able to make a claim for their cost of their holiday. This is not included as standard in most travel insurance policies, although some policies do provide it, but it is often offered as an add-on which you must pay extra for when you buy cover.

 

If you paid for your flight or holiday by credit card and the cost was over £100, you may also be able to get your money back. Under the Consumer Credit Directive, the lender and the supplier are jointly responsible when it comes to making sure you are provided with the service or goods you paid for, so if the airline, hotel or holiday company you booked with goes bust, you can turn to the credit card company to get your money back.

 

Everyone else, however, will either have to pay again for their holiday, or cancel and lose the money they have spent. All consumers affected should file a claim with the administrators Smith and Williamson and CMB Partners, to let them know you have been affected. You can do this by e-mailing them at [email protected].

 

 

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Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you kind sir :)

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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