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    • The gaming giant is offloading the Venetian in a $6.25bn deal to invest in Singapore and Macao. View the full article
    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
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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!
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    • 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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Complicated story.


My neighbour confided in me she just found out she is being evicted at 9am on the 11th Jan 17.


She is 69,

has long term mental health conditions and her affairs were previously handled by the court of protection for some 20 years.


She is a leaseholder (66years remaining) of a flat within a house conversation,


it appears from the paperwork I have seen the landlord has been successful in gaining possession and she is now being evicted by way of forfeiture.


The original claim for forfeiture in 2014(?),

which was withdrawn


states for reasons such as no access,

not washing windows,

putting flowers on the window ledge.


There has been ongoing disputes between her and the landlord,

ever since as she claims they illegally required the freehold (Some 20 years ago) and she refused to pay a premium of 100k for a new lease,

which cost them (the other two leaseholders) £2.5k to get the freehold.

Her property in size equates to 40% of the building.


This lead to them harassing her,

failing to carry out their repairs

and reporting that they thought she was dead and the police breaking in.

She was sectioned under the mental health act ( a few years back), when she disclosed past incidents.


For the past 18 months she hasn't opened mail due to her health and conditions.

The mortgagelink3.gif company wasn't initially apart of the claim,

but they have adjoined and appear have been granted some relief at some point.


She has only realised,

a friend insisted she opened up the mail and that when she found last weekend she is being evicted next Wednesday.


I know she needs to complete an N244link3.gif but what should be included?,

I have taken a copy of the guidance.


She is not entitled to legal aid, because of the equity in the property and solicitors want up front fees, and/or short notice.


Any help would be much appreciated.


I have only had 2 hours sleep myself and have to wake up to 4 kids (one who is broken his leg), work, a meeting with my brothers mental health team who have failed him drastically and assist my neighbour, along with my own health issues.


So I need to get some sleep, but will check in the morning for any advice on completing the N244link3.gif or anything else.


I have quite a few of the court papers but need to scan them, which I hope to do tomorrow at some point.


Many thanks for reading and I hope we can help her.

Edited by busybean
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You are best advised to seek local help.


The charity Shelter might have a local advocate that can help with this.




Also mental health charities such as Mind, may be able to offer help.


What you need is an action plan to deal with the whole situation and charities that deal with these situations are best placed to help.

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We could do with some help from you.



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If you want advice on your thread please PM me a link to your thread

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You are best advised to seek local help.


The charity Shelter might have a local advocate that can help with this.


Also mental health charities such as Mind, may be able to offer help.


What you need is an action plan to deal with the whole situation and charities that deal with these situations are best placed to help.


Yes, you are right. We have contacted shelter already they are calling this evening.

Mind is a great idea, will call them today.


Also trying to get through to the royal courts of justice cab. From my experience bwith helping another friend. There service is extremely busy.


Whilst an action plan is needed, at the moment the priority would be stop the bailiff evicting her on Wednesday. As I understand to do this she would need submit the n244 asap for a judge decide. But what orders are we asking to set aside and under what grounds..? Help please anyone?


Nb. She is being quoted £2500 to complete the n244 by one solicitor firm that had previously assured her in the past. But she doesn't have that. They need up front money. Anyone know a firm who will charge at least half that amount to do the n244?

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If she's a mental health patient, the council should help her with this.

Some councils still have in house solicitors.

Also as said, shelter and mind have their own legal teams that could help.

I'm no expert, but I helped my friend fill a n244 some time ago and it wasn't too difficult, so maybe if you don't get any help, you could try yourself.

Others will surely say if this is a bad idea in this case.

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