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    • Thank you Andy, that is invaluable information, and very reassuring, i have some idea of what to expect. I was fearing that I was going to be grilled for two hours continuously and the prospect seemed incredibly daunting   Yes indeed I am going to prepare some notes on a separate paper as you say, it's a great idea thank you
    • CCA/CPR should have gone off 2 weeks ago!!    
    • Hi,  Sorry about the late reply its been very busy.  CCA and CPR are being typed up now ready to go out tomorrow.   I had her look at her credit file and she thinks she has found the correct one for Cabot with a date that matches the one on the claim but it has her current address not the one she was living in at that date.  No information on last payment or defaulted date.  Also, no account number on Cabots claim form either.   Honestly she has had multiple accounts with JD Williams various outlets over the last 20 years, at least 3 with Jacamo who keep lending to her despite her having no income.  She is trying to get herself out of that debt cycle, but she is disabled and easily led by others to do silly things.  
    • Deepfake, or AI-generated videos, are increasingly being used commercially. View the full article
    • hi please check the content of letter.  To Hermes Parcelnet Ltd, Capitol House, 1 Capitol Close, Morley LS27 0WH   Dear Sir I posted an item through (Pacelink)Hermes on 7 February 2021 with tracking number: 1732380759006010. The customer received the item but the package was tempered and content of package was missing. Please see the photos which customers sent, he found tissue papers inside the box but the graphics card worth of £780 was missing. Now because of your poor service my item worth of £780 was stolen by your staff member. I had to refund the customer with full amount of £780. In my view you should pay me £780 as soon as possible. Otherwise, I will be taking this matter to County Court as well as I will be claiming for all the damages with interest. You have 14 working day to give you response after you received my claim letter. If I did not get a satisfactory response you, I will take this matter to county court.   Regards my details with phone, email and address (do i need to mention my address?)
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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
      • 25 replies
    • 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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My wife lost her job over 3and a half years ago, after having a nervous breakdown.

She now suffers from depression, has anxiety attacks and has agoraphobia. she has been suicidal and has other health problems. When she lost her job, she was assessed (by a woman who could hardly speak a word of English, at Five Ways House in Birmingham) and had Contribution based ESA for almost 12 months.

As a consequence of her poor assessment, she wasn't put in any group.

Since her contribution based ESA has ended, she receives nothing in the way of benefits, as she isn't entitled, as she doesn't sign on.

The ESA pays her "Stamp".

Now they are saying that she has to attend another assessment meeting, so that they can continue to pay her "Stamp".

I have contacted Maximus and the benefits agency and I have explained how stressful this is for her,in several phone calls, and have asked for a home assessment, but they won't give her one, unless I pay her GP for a letter stating that she needs a "Home visit".

Maximus are the "new" ATOS. They said that they had sent a form to my GP, which when they got it back, they said that my GP had said my wife was perfectly capable of attending the assessment. Something that my GP's practice secretary and legal secretary have denied. I requested a copy of this form from them and am still waiting.

Now my wife has been sent a BF223(ESA) form for her to fill in, stating why she didn't attend etc, etc!

I phoned again, and was told that unless I get a letter from my wifes GP, she will be sent a new appointment date, AND NO HOME VISIT!

This is making her feel worse and that's the last thing she or I need at the moment.

Why should I have to do this? Is there anything I can do, so my wife gets her home visit?

All or any help will be greatly appreciated.

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I have just had one of these letters after telling them repeatedly that my mobility means I can't get to the assessment which is backed up by my GP.

 

Read my post. This is petrifying as they may stop my benefit in the middle of Winter.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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I have just had one of these letters after telling them repeatedly that my mobility means I can't get to the assessment which is backed up by my GP.

 

Read my post. This is petrifying as they may stop my benefit in the middle of Winter.

they truly do not care
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You should fill in a form for your wife to claim esa , they are putting you through the same thing for her stamp to be paid ,

 

Is there anyway you could talk to your doctor yourself or your wife and ask the Dr if he could he write a quick note saying your wife should have a home visit ,

 

If you do start claiming esa have it backdated as to me your wife should be entitled to it , it's not easy but your having a stressful time with everything there doing at the moment , so you might as well try to get what your wife deserves

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