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    • They are not going to continue chasing for £37, so will stop at some point soon.  Will go back to Eon, who will just make a note of the debt on their records.
    • When a Debt Collection Agency (DCA) is assigned the debt after purchasing from the original creditors, they will add the debt to the credit record replacing the previous entry from the original creditors . The debt should be less than 6 years old from the date you defaulted making payments.   When you receive letters from a DCA, they should state the name of the original creditors you had the credit card, loan, overdraft or other debt with.   Do you still have the letters from the DCA's ?  If so, please provide details of the DCA, the original creditor named and the debt amount. If not, your online Credit Record history should contain information.   Never throw away any letters you receive from DCA's or Banks etc where they concern debts you owe. The letters may contain useful information.   Have you moved address since getting into debt ?  Did you provide your new address to all companies you owed money to ?
    • These vaccinations are going to be regular, I believe about every 6 months.  This is going to require local vaccination centres for years until they have a vaccine that provides longer protection.   Most GP surgeries are not going to be able to continually provide this vaccination service and provide all other services. They might help out during lockdown as a one off, but to continue having a constant flow of people for vaccination is not going to be possible.  My local GP surgeries are over subscribed, with it taking 3 weeks to get an appointment, so they are not taking part in this. Luckily we have a privately run NHS minor injuries unit with more room and they have been vaccinating patients.    
    • British households could be set to save less money than they did before the pandemic over the next five years as the country embarks on a £45billion spending spree, it has been forecast. View the full article
    • Just for info   Family member had oxford A/Z jab and had 40 degree temperature for 24 hours or so the day after Seems to be OK now and lateral flow showed negative for what thats worth
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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
      • 27 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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Help and advice needed due to partner walking out


Guest Another Spartacus

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Guest Another Spartacus

My friends partner is leaving the matrimonial home tomorrow and she has no idea what she may be able to claim (she has never had to claim benefits before)

 

Her circumstances are:

 

Two children, one child is under seven.

 

She doesn't work.

 

She is on strong medication for depression (due to husband leaving her)

 

The home is rented

 

Where does she start in the benefit maze?

 

Any information will be most grateful.

 

x

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if your friend goes online to "turntous", there is a benefits calculator which, if she enters her information, will give a generally correct idea if what she may be entitled to. Thats probably the best place to start. Applications for benefits can also be made online.

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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She should be entitled to:

 

Housing benefit

Council tax benefit/support including single persons allowance

Income support/ESA depending on medical condition

Child tax credits

 

And possible others depending on full circumstances

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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There are other online calculators

 

http://Www.entitledto.co.uk

 

turn2us is the one associated with the .gov website

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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I totally feel for your friend, I was in a similar situation a couple years back. I am Ill & disabled & I did not have a clue what I was meant to do, I felt so lost.

 

So with a friend's help, I rang the benefits line & got through to a helpful lady. I fully explained I was on heavy pain medications & that I did not know what benefits I could claim & that I was struggling to cope with what was happening.

 

So do tell whomever your friend speaks too about her medication upfront.

 

With help from my friend & the DWP I found claiming benefits a much easier prospect than I originally thought it would be.

 

A few things I recommend.

 

Do record all calls if you can.

 

Do write down the dates, contact name, numbers, dept etc of any calls made.

 

Do tell anyone spoken to about friends medication upfront.

 

If you don't understand something, ask for it to be repeated, do not just agree, as mistakes can be made.

 

 

As daunting as this seems right now, your friend will get through it. She's also got you supporting her & that's truly a great blessing as mine was for me.

 

Good luck!! xXx

I don't suffer from insanity, I enjoy every single minute of it!!

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