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    • Minster are seriously a bunch of muppets if they think they could secure a court win on what they have currently provided document wise...still i am not going to be complacent 
    • Hey,   Just wanted to share a quick experience for a lost Hermes parcel worth a couple of hundred pounds. I accepted Hermes' offer to use mediation and was pleasantly surprised! I read all the threads on here and thanks to the Bankfodder's great advice I came in confident and with notes and was not prepared to reduce the claimed amount even by 10p.    Firstly Hermes stated that my item was not one that is normally covered and due to its fragile nature it is not compensated and secondly they gave the ordinary "you have not opted for insurance bla bla". These were their points and even before I started stating my arguments they were already out with an offer to cover the item value in full and the postage costs for it but NOT the small claim fee of 25 pounds. To me this sounded as a reasonable compromise since I got other things to do during the day. This 25 pounds compromise was about 5 percent  of the overall claim value so that was fine by me.    I went to mediation extremely sceptical having read some of the other ppl's experiences, but I'm glad to say mine took only 2 quick calls, everything was settled in no more than 20 minutes, the mediator was superb, extremely friendly, polite and with a sense of humour  and they just asked me to send my bank details in response to their upcoming email and that was that.    p.s -> I could feel the mediator was actually on my side a lil bit, but what reasonable person would side with such a shameful and honestly disgusting company anyway   All in all, I would highly recommend the experience for anyone who's still on fence regarding mediation. Open small claims against them Hermes mfs, make them pay, they are so aware of their unlawful approaches ! On my part, I will never ever use Hermes services ever. However, in fairness, this whole saga's been going on for two and a half months and I've lost so much time and effort and nerves on the matter that it was worth at least 10 times that settlement. I've been through 41 calls with them regarding the item and went to their depot twice to look for my item...   Have a great week guys/gals   Best
    • i see you have all the statements in the earlier post    pop welcome int rate in cell d15 of out CI sheet Latest Spreadsheets - PPI Claims and Charges Claims - Dec 2011 - Payment Protection Insurance (PPI) - Consumer Action Group   enter every penalty charges. on it date    
    • dx I manage to locate quite alot of paperwork from welcome sent previously - what am I looking for? Im a bit worried that they are going to start court proceedings after their letter last week, im not keen to send them bank statements   Hi peterbard this is a secured loan , i dont believe there is any policy in place   dx should I have sent an SAR to Welcome and Coast even though Coast had taken over the loan?  I have a pile of paperwork i have located thats about 2 reems of paper, from the SAR's I have sent previously.  There is a lot of information - the SAR requests more recently were sent on CDROM and were not accessible after a certain amount of time (i think the username and passcode expire or something)
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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
    • 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
      • 31 replies

rear ended and paying out help please.


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hi everyone, almost 3 weeks ago like a plonker I rear ended a bmw causing

£960 pounds worth of damage which im going to settle out of my own pocket save my insurance. it was totally my fault so cant complain and I was in my my 1 year old car so insured fully comp and and the car I went into was a 12 plated bmw. to save any further claims after I have paid out is there any kind of form I can print off get him to sign which he says he will so he cant make any further claims agiast me ? many thanks for any help folks.

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hi everyone, almost 3 weeks ago like a plonker I rear ended a bmw causing

£960 pounds worth of damage which im going to settle out of my own pocket save my insurance. it was totally my fault so cant complain and I was in my my 1 year old car so insured fully comp and and the car I went into was a 12 plated bmw. to save any further claims after I have paid out is there any kind of form I can print off get him to sign which he says he will so he cant make any further claims agiast me ? many thanks for any help folks.

 

You can't really do this because you are opening yourself up to a risk that you cannot stop by getting a letter from the third party and any passengers they were carrying.

 

Because an injured third party has i believe 3 years in which to make a claim, they could quite easily just accept your £960 and admission of liability, sign a letter saying that they have no intention of seeking to claim anything further in regard to damage or injuries AND then weeks later change their minds claiming for injury direct to your Insurers. Because some people notice an injury weeks after an accident, they could simply say that they were not concerned by a slight pain, but that it has got worse since the accident. They then see a Doctors who says that they sustained an injury in the accident and you then have Solicitors on a no win no fee basis making a claim against your Insurance. Your Insurance company could settle a claim, even with a letter you got the third party to sign.

 

If the third party had passengers in their car, that would be even worse, as you have more than one person to worry about, making a claim for injury against your Insurance.

 

My advice is to contact your Insurers to discuss this, as you have a requirement under your policy terms to do so anyway. If you paid out to the third party not notifying your Insurers, then if the third parties later made claims for Injury, your Insurers could turn around and say you should settle the rest of the claim, given that you had already decided to settle all amounts related to this accident.

 

Going back 20 or 30 years ago, you could trust most people not to make iffy claims for injuries, but these days it is dog eat dog and if there is any chance of money, quite a big percentage of people would grasp the opportunity.

We could do with some help from you.

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As Uncle says, you are required to tell your insurer about any accidents that you have had in the past 5 years (usually). That will put your premiums up (whether it was your fault or not, b'stards), so you might as well get the other side to claim against your policy. That's what they're there for!

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hi uncle and oddfellow, well I took your advise and my insurance are dealing with it and we get our car repaired aswell so great result. many thanks you 2 you have been more than helpful this morning and saved me a lot of heartache , thanks again gents you are diamonds .

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I call that a success, well done team. :)

 

hatsanman, if you haven't already, you might like to click on the rep stars of Uncle Bulgaria and Oddfellow to say thank you. I hope you get this sorted soon.

 

HB

Illegitimi non carborundum

 

 

 

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No problem, glad to help and safe driving from now on. Think about getting a dashboard camera fitted at some point, as they are proving very useful in some accidents or you might capture something to earn money on Youtube.

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

 

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

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