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    • Thank you for your helpful advice here. I have just emailed hermes with the following email and look forward to a swift conclusion to this case.o whom it may concern,    
    • Yes they are waking up to the fact that they  have over centralised stuff, and there is no proper local provision any more, Hancock is treating it as a National outbreak, not the many localised ones now  often centred around General Hospitals, as infection and reinfection agents. PHE PHW, and PHS have no capacity for any real localised Track & trace, having removed the Council Environmental & Public Health Departments out of the equation.  All they have is Hancock's busted App, and an army of badly trained call centre grunts.   Says care worker to old Mrs Jones, and  "you really need to install that app so they can see you aren't going out"   Mrs Jones gets out a cheap candybar feature phone, and says, "can't install apps on that  only phone and text, so don't need smartphone"   Interesting look at age demographic for smartphone ownership, is 70% age 55 -64 still low enough to dent Hancocks app effectiveness.   Other issue, many at risk homeless, low income also only have feature phones issued by care agencies or charities  People released on tag who are in hostels are often issued with something likea £10 samsung/Nokia/Alcatel candybar, 2G  non internet capable phone.   https://www.statista.com/statistics/271851/smartphone-owners-in-the-united-kingdom-uk-by-age/
    • By the way, the reason that you wouldn't proceed against Paclink is because they are out of the jurisdiction – in Spain
    • Good point, BN.   Changing the subject a bit, Directors of Public Health have written to the goverment expressing serious concerns about the easing of lockdown.   https://www.adph.org.uk/2020/05/adph-presidential-blog-a-time-for-steady-leadership-careful-preparation-and-measured-steps/
    • Thank you – and I understand that you didn't take out any compensation cover. You should read around some of the Hermes threads on this forum. I have always taken the view that once you pay for the delivery costs, then you are entitled to have the item delivered safely and if not then the delivery company is in breach – and in fact the delivery broker – Paclink is also in breach. I think it should be unnecessary for you to insure yourself against the breach of their service provider. It is the service provider who should insure themselves against any incidents of loss parcels. The Joe Lycett's got your back programme on Hermes was extremely useful. I notice that there are a couple of instances of it on YouTube. Of course they are in breach of copyright and it wouldn't at all surprise me if they are taken down at some point. I suggest that you make fairly urgent arrangements to get a copy of this program onto your computer because you may need it. It would not be a breach of copyright to produce it before a court – although the judge may already have seen it or have heard it. Have you actually began a claim against Hermes? I think you should begin their claims process immediately – but I certainly think that you should download a copy of the programme immediately as well. Of course Hermes will try to say that you are not their customer and that  their client is Paclink. Of course that is true. On that basis Hermes will try to say that they are out of your reach in terms of bringing a legal action because you are not party to their contract with Paclink. However, Under the Contracts (Rights of Third Parties) Act, where the contract is clearly intended to address you as a beneficiary and where your interests are not specifically excluded by the contract, then you inherit all of the rights of the contracting parties – as if you were a party to the contract. So I suggest that you begin the claims process against Hermes, download the programme so that you have got that safely stored away in your armoury and then come back here with the results of your Hermes complaint. I can predict fairly confidently now that you will have to threaten a legal action – and probably you will have to issue the papers. There is then a chance that Hermes may put their hands up – but on the other hand they may decide to test your resolve by forcing you onto the next step where you have to pay hearing fee. If you do that then they will start to take you more seriously and then they may put their hands up – but they may decide to go all the way and see you in court. Because you are a litigant in person – even though you would be the claimant, the case would be transferred to your local court. That would produce logistical problems for Hermes who would have to instruct a local legal representative and they would incur costs there. These costs will not be recoverable under the small claims rules because your claim would be for less than £10,000. If you won the case then you would get your money, plus interest – presently at 8% (a nice earner) plus your costs. Your risk factors are that if you lost, then you would come away empty-handed but also you will be out of pocket to the tune of your fees and you would probably have to pay for the reasonable costs of travel for the Hermes legal representative – but that would be it. On the basis of what you have told us, I consider that your eventual chances of success at about 85%. Hermes risk factors include having to pay you back the value of your item, having to refund you your court costs and your reasonable costs of travel – but more significantly for Hermes, a defeat in court where they try to rely on the fact that you hadn't bought a compensation package would send a good message across an industry which seems to have produced a culture going back there are 30 or 40 years where customers who pay their money now believe that they must also pay to insure against the negligence of their own service providers – two home have they have already paid the contractual price of performance. How this ever happened is a mystery to me.  
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Woody08

PPI claim against DAF/YES CAR/Provident

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Hi I am looking into if anyone has been repaid PPI from Yes Car Credit / DAFS when they took out a car loan before 2005.

 

Any help please

 

I think I have a fight as I have been battling this for 12 years because I have been ill

 

So any help would be great thank you.

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Hello and welcome to CAG.

 

I'll flag your thread for the rest of the team to see which forum would be best for your question. Your thread will be moved and you'll be left a link to follow.

 

My best, HB


Illegitimi non carborundum

 

 

 

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https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=Yes+Car+Credit+/+DAFS+&sa=Search+CAG#gsc.tab=0&gsc.q=Yes%20Car%20Credit%20%2F%20DAF

 

 

if you have been battling this for 12 yrs

why were you refused back then

and how did you do the reclaim?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I was told that I couldn't have a refund by the FOS as DAFS were not registered

 

I tried to look through the contract and see where I could go and then the threats came from Bailiffs for me to pay the insurance

 

I had a breakdown and became really ill and depressed

paid the insurance in one go and it got left for ages.

 

now I am trying to sort it but it is making 'll again

 

I feel I have a bit more evidence to prove they under handedly got us to agree to the insurances etc

 

just need someone to just check It is a way I can go.

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bailiffs? insurance?

 

 

you don't mean a DCA threat-o-gram do you?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Yeah Not Bailiffs debt collectors

to pay the insurance premiums as I signed the 2 signature which they said I had to do

 

but I explained I wasn't working but they said it is ok.

 

Then I started getting letters to pay the outstanding balance of Breakdown insurance and PPI

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ok so you got spoofed into paying it as you wrongly though a DCA is a bailiff

when they are not

they don't have any legal powers whatsoever.

 

so back to the questions.

 

I think you need to send daf and sar and get all the paperwork.

and scan up what letters you have sent and received to date

ito ONE multipage PDF file

so we can read the whole story.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi sorry been a while

 

I have received a cd from DAFS which apparently contains all paperwork from original documents but

The password they gave me doesn't work.

 

I was wondering if anyone has DAFS number as I asked for an email but they diner

Have one which for a company I find a load of bull crap.

 

I'm so close but really need to get into my file

 

Before I can plan my next step.

 

So if anyone has a number it would be

Most appreciated if anyone has.

 

Thank you.

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the files are a zip file are they not?

 

 

you need to copy them to your computer

THEN use the password on those copies

you cant expand a zip file to a CD as its write only


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Brilliant thank you

just been through it all and there are a lot of Descrepencies on our signatures and no actual Policies Ref numbers

 

For The PPI or BC and on one sheet it actually says

did you understand the what the person selling you the car had told you And it blatantly says no.

 

 

Just thinking where to go from

 

Here now Sick of it all the bull crap doing my head in.😔

 

Making me ill.

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get scanning to ONE MULTIPAGE PDF suitably redacted please


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Sorry don't understand what you are saying to do not very savvy

On the jargon 🙈

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we need to see the sar?

if you want help with it

UPLOAD


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi

I am also having a battle with DAFS and got to the stage where I can't think of what way to turn now.

 

I received a SARS request and got things I never signed

just look like they written on plain paper for some

 

the main thing I am disputing is that how they got me to sign into an agreement when I was not employed

I was told that we wouldn't get the credit if I didn't sign

 

the PPI I told them they had deceived me into the contract as there is No way I could have been accepted as a second customer as I had no credentials to be able to sign into a legal agreement

then they came after me for the debt making me ill

 

I am trying to see where to go now as I know they have done wrong

I just don't have the legal know how to get them

they did this to me

 

I was going to go to WATCHDOG

but would I get any compensation for what they have done to me with the deceitful Practices

PLEASE HELP!!!

 

at the end of my Mental state ��

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keep to your own thread woody

and if you answer the questions that people have asked you p'haps they will help you further!!

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Woody08, Whats your thread name?

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Woody08, Whats your thread name?

 

Is it not Woody 08

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Is it not Woody 08

 

Can you send me a link to your thread?

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click his blue username


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I’m taking Direct Auto Financial Services to Court Their Solicitor Irwin Mitchell states in their reply they will be defending my claim. Has anyone else taken DAFS to court? What did they do? Any help thanks

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Start your own thread woody

 

Dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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posts moved to your existing thread

so you've issued an N1??


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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