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    • Absolutely. They must take responsibility for the return. It's nothing to do with you. You don't want to send something off – and then find that it's not delivered an then you have another argument on your hands because it would probably be down to you. You must wait until they respond and either they make a reasonable arrangement for the return – which doesn't cost you anything – or they tell you to keep it – or something. The important thing is that they become responsible for the return and if you end up sending it yourself, you are simply following their instructions. In terms of the credit card, well done – that you didn't pay by bank transfer, for instance. Get hold of the credit card company and begin the process of a section 75 claim. If they ask you if you have return the item yet, tell them that you have made strenuous attempts to reach the retailer and they are not responding and that you have a paper trail to show the messages you have sent which to date have not received any reply. I suggest that you read our customer services guide before you start doing anything on the telephone. You've been here since 2016 so you do that already don't you?
    • Have received a letter from the tribunal service advising that my defence has been submitted to the claimant and more info will be provided if they wish to pursue. 
    • Hello DX   I am back seeking your help  . . kindly.   After the last CMD on 17 February we were given 21 days to submit the following:   1.    written note of my niece’s defence to specify:              a.    When and by whom the settlement amount mentioned in the initial defence was paid.               b.    Explaining the specific issue of the default Notice, if you remember they said in their case that it was issued.               c.    Specify the amount and dates of the bank’s charges that are in dispute.   2.    Should we need to call witnesses, I presume for ex-partner or HBOS, we can do that on Form 10A   3.    We can seek order from the court to HBOS to submit documents, Form F10B.   I need to submit a new defence without emphasising the role of ex-partners for two reasons. One, he might not paid the settlement. Two, he is the forces and it is unlikely we can locate where he is even to get a witness statement from him.   I would appreciate your thoughts to see how best to present the new defence.   I have few days yet as I need to submit before the end of the 21 days (I worked out to be 10 March).   I could upload the pdf file of the notes of the last CMD, sensitive information Redacted, for your to have a glance at it.   Thank you
    • Holders of Wyelands' 35 and 95-day notice accounts will be paid until the end of the notice period and savers who held fixed-rate accounts will be paid up to the end of their term. View the full article
    • This deserves a careful read https://www.theguardian.com/society/2021/mar/04/vaccines-tweaked-for-covid-variants-will-be-fast-tracked-safely-says-uk-regulator   My admittedly reading between the lines interpretation: So effectively, modified vaccines generally have needed to be demonstrably as 'efficacious and safe as prior versions. The UK is stating that future vaccine approval will not require that, unlike is needed in almost all developed nations.   Is it because they are:   * 'artificially or by use of selective data boosting the claimed efficacy of the existing vaccine and understand that new versions are very unlikely to match those claims and they dont want to get caught out if theycan avoid it   *Quite sure that new variants of the virus will be beyond the efficacy of new versions of the vaccine   * Simply cant be bothered with all this proving it works malarky   All the above?
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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
      • 33 replies
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THOUSANDS of British Gas customers may have had direct debit payments taken twice following an IT glitch.


British Gas told The Sun online that less than 1 per cent of customers were affected by the problem.


It supplies gas and electricity to over 14million homes, meaning some 140,000 customers could be affected by the fault


A British Gas spokesperson confirmed that a “small proportion” of customers have had direct debit payments twice and that any money taken in error would be refunded.


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