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    • Some added info. This is a Toyota Corolla, 2002. I took it to Toyota where I do my service. Last service was July 2020.
    • I took my car for an MOT early at 08:00. I was first in, no other work, the appointment had been made a week before, so I was told it would be done immediately. After an hour I got a call that the MOT had failed with back bushes cracked and front suspension work (which I currently do not remember - nor do I have a record for as I will explain). I told them then to do all work needed for the car to pass MOT, as I have to by the laws around a failed MOT, the parts and labour would be around £700 I went to check the MOT database but did not see my failed MOT, just the pass from last year. I called them again and asked why I can't see it. They said that it will be recorded shortly. Later that afternoon they then call me and tell me it's all ready and it will be £500+ now, since they reviewed it more closely. I check the MOT database again and all I see is a passed MOT. No failed MOT has been recorded. That is why I cannot tell you exactly what they have fixed. I still have not gone to the garage.   I thought a failed MOT has to be recorded by law. I'm suspicious of this. Am I right to be suspicious?
    • Couldn't get through to MCOL yesterday afternoon - looks like the claim was issued on 15th December not 21st like I was told.  Will try again today but not looking good time wise.
    • If its a 'cabinet minister' then its a poop-ulist We shouldn't expect reasonableness or common sense let alone competence, or anything other than self interest and self promotion.   oops - and their private sector mates ewho will pay them megabucks for a few hours a year roles - as long as its not their money thats wasted   https://www.independent.co.uk/news/health/nhs-test-and-trace-dido-harding-b1789098.html
    • Yes, I agree that you should simply wait until the 28. Give them a couple of extra days and then send a letter of claim on the 1st of February. Make sure that you are actually happy to issue the claim on 15 February and that you are bluffing. Register onto the moneyclaim website and start preparing your claim. Post your particulars here before you click them off. I suggest that you claim a very modest amount – £50 for the moment.  
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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
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Aic chasing old RDB loan

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Hi Guys,


Can someone help me with this one.


One of my old loans (RBS) was passed to AIC with acc no 0011223344 (example) who chased me for the debt.

I was in a DMP so offers were made, accepted, returned to RBS, then back to AIC then back to RBS


Then I noticed the acc no had changed to 9988776655 (example) and had gone back to AIC again (where it stayed for years)


Does this mean that at first they were the collections agency, but then bought the debt and changed the account number?

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Are you sure it was the account number, and not the reference number?


RBS are the original creditor (OC).

The collections agency or DCA was AIC, they can't change the account number but they are able to give the account their own ref number.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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no rbs will still be the creditor


ever sent a cca request? (s77)







Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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DMP will show who you pay not the owner.

AIC don't buy debts,




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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