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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
      • 49 replies
    • 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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I have received a letter today from MMF, which states the following:


Dear (me)


Outstanding Balance £xxxx


As you now have more than one account with us you have been allocated a new customer number which you should use in all future correspondence with us for all your accounts. This will remain as your reference for all dealings with MMF giving us, and you, a single customer view of your MMF accounts. You will find the breakdown of your accounts enclosed. (it's four payday loans)


To remind you, we will not ask you to pay more than you can afford, we will remain flexible and only set a repayment plan that is in line with your financial circumstances.


4 steps to an easy repayment plan:


1. Work out how much you can afford

2. Think about the frequency of your paymentns and your preferred method of payment from the options on the back of the letter

3. Contact us on 0113 887 6876 to speak to one of our experienced agents to set your payment plan or

4. Complete the enclosed payment mandate form then return to customerservice@mmile.com along with you completed income and expenditure form (it isn't enclosed) or alternatively return them in the enclsosed envelpoe (nor is this)


You may even be eligible for a discount to assist in clearing these accounts sooner and still be able to spread the repayments.


If you are experiencing financial difficulties don't let this stop you, as we have a specialist team equipped to understand and deal with your circumastances.


Please note we have highlighted (they haven't) that one of your accounts has exceeded the Statute of Limitations period which mean the period for court action has lapsed however this account still remains payable.



Please could you advise what I do now? None of the four payday loans is on any of my credit files, and they are all, to my knowledge, from at least five years ago. The last dealing I had with MMF was a spate of aggressive and threatening texts and calls to my mobile telling me they were turning up at my workplace TODAY if I didn't pay them - they didn't, of course, and I now have a new phone that means I can block numbers so this is the first I've heard in at least two years.


Ignore? Or send some kind of response?


Thank you in advance!

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moved you to the MMF forum

lots to red here

but to save you the time



remember MT collect and the debacle you had wit them...

..these are basically [urh that word!!] the same MOas them.



if you read a few threads here

you'll soon see you totally ignore them.

nothing they can do to you

simply willy waving.




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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