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    • Have you put a formal claim into Hermes? I think you should put formal claims into Hermes in respect of each one. I suggest that you leave it about five days apart so that they are treated completely separately. Hermes of course will refuse to compensate you – but then we will help you begin a legal action against them. Once again, I think that your best interests will be served by claiming and suing for only one of them – and then the second one separately once you have the result of the first one. We will help you all the way – but you need to start off by reading around the stories on the sub- forum about Hermes complaints and actions against Hermes. You need to understand the mediation process – and there are lots of good summaries on the sub- forum. Also you should read around on this website about the steps involved bringing a small claim in the County Court. Begin the claims process with Hermes so that you get a denial of liability – and then we will go to the next step.
    • The luxury car manufacturer says its battery-powered sports cars will be made in Warwickshire. View the full article
    • Well please can you search everything and get all your documents together. Read them. Understand what you have. And they make sure they are properly filed. Do you have the name and address of the driver? Also I believe that you said that you had received a message from your own insurer saying that you were liable – or something like that. Please can you reproduce that message here – preferably in PDF format   Don't respond to anyone without checking with us first. We would want to know why you are being asked to contact people. However, you definitely need to contact your insurer tomorrow as I've already suggested. You really need to find out what's going on, why they have made the decision that they have and you want copies. Don't tell them that you sent them on SAR. Keep that a completely separate matter – but simply ask them on the telephone to have copies of all the documents that they have assembled in respect of this case. Once again, you should be recording this.  
    • As i stated above, i found out a document from my draw that admirel had sent me on the 25th of january. I found it out to see if it had any information about the van. Then i saw that it said ' section l -witnesses , then a male name .
    • You say that you have only just found out that the van driver has apparently got witnesses to the accident. How did you just find this out?
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    • 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
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
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Initial JSA Meeting & Bank Statement/Gambling


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Hi all,

 

Bit of a long one!

 

I left my store managers position in February due to a few issues in my personal life (caring for relatives).

 

 

Since then I've been living off what I had saved from previous paychecks etc.

 

 

I'm 23 and never been on JSA or the like before, and

 

 

now my personal issues have cleared in the last 4 weeks or so I've been job hunting again.

 

 

This is the first time I've had a gap on my CV in 7 years.

I'm now at a point where I need the JSA to survive and transport to interviews etc

and they've asked me to bring a bank statement and mortgage documents.

 

 

I have a couple of questions:

 

1) I'm not going to be using the JSA for gambling,

however my bank statement will and does indicate fairly regular outgoing deposits for B365.

As recently as a few days ago.

Will this be an issue?

(I know it won't be an income issue, as I haven't withdrawn any winnings into my bank account or have any.

My current balance is £15 in the bank!).

 

2) The mortgage details.

This is actually my late mothers mortgage that me and a brother pay.

The letters and documents just have

''The personal reps of _____'' on them.

 

 

What usually happens is my brother pays for it with DD (he doesn't live at this address)

and I transfer him the money for the mortgage, gas and electric each month.

 

Therefore, I don't actually have proof of the mortgage going out as a DD on my account,

but I felt this was the most viable option to choose when signing up between

Rent, Mortgage, Own or Rent & Own.

 

 

Will I have any issues here?

 

Thanks!

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I do not think the DWP will care where you spend your money tbh, I am on JSA and in my spare time play on-line poker, when I do get a withdraw it shows up in my bank statement as a refund, I also have a loyalty card so I can withdraw directly from the betting shop any winnings without it going through my bank.

 

I do not win life changing amounts, I only play free games so I hardly deposit and the little wins I have now and again have helped me through.

 

How many people buy scratch cards and win while on benefits, it is impossible to police and perfectly legal so as long as you do not win anything which takes you past a threshold, then I am sure it is not a problem.

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The gambling will not be an issue. I can't really see any problem with the mortgage situation either - just explain what the DD is if they ask. Since you're not asking for any benefit to help with the mortgage, I doubt they will look into it in any great detail.

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Cheers for the advice above.

 

I went for my interview today and all seemed fine. Gave them my documents (didn't end up asking for bank statements) for them to scan and signed my forms. What checks do they actually do as part of the standard JSA assessment just out of curiosity?

 

Also I forgot to ask today, my next appointment is on the 5th of September. Am I right in presuming there's no chance of me getting paid until then? Thanks

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With new claims there is normally a period (in some claims up to 10 days) for which you could possibly not be paid. Also in most claims they are normally paid in arrears and in the case of JSA I believe when you actually sign its for the previous two weeks that you receive the benefits for( upto the day you signed)

 

Please keep in mind that they may well ask for the bank statements at a later date.

 

I am currently into the 8th week of waiting for a IS claim to be sorted and if I did not make a phone call 13 working days after I had signed the forms at the JC they would still be waiting for a B16 (declaration of earnings wrt my SE). It is now another 12 working days since they had the forms back from me and they still not showing on the computer system. Apparently, it is taking a long time for any returned forms to be scanned onto the system. But this is for IS and not JSA so your waiting time should be no where near as long as mine.

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