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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!
        • 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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I enquired about joining BT in December.



While I was still with TT they kept sending me 'don't leave, speak to our loyalty team to see what they can do' messages...so I did.


28 Dec - agreed a new deal


10 Jan - not heard anything so rang them.

New deal hasn't been processed because I'd 'missed Jan's payment'

(it's DD so it's their fault they didn't take it!) made me pay Jan's bill there on the phone.

Couldn't talk about new deal because payment hasn't been processed


12 Jan - they rang me back & agreed new deal.


Later that day I received confirmation email of package....it's completely different to what we agreed on the phone!!


14 Jan - they stop my internet & phone.


Turns out they've 'processed a cancellation' from the beginning of all this mess..

.even though I stayed with them!!!


I've paid Jan's bill for them to cut me off!!!!


The new deal I've agreed starts on 26 Jan

- and I keep getting letters emails about the package I'm having and they're all different!!!!!

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communicaions co's are rubbish at just that. One of the problems of phone problems is that you need a phone and internet to sort them out

Your post tile sayTT and my daughter, whose account is it and do you have access to a phone system?

I would be looking up the CEO of Talktalk (used to be Dido harding) andsending them notice that if thi isnt sorted out by the end of jan you wll leave TT and take court action to recover your monies for the last month plus whatever costs you have incurred

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  • 2 weeks later...
Can't you talk to your bank and ask them to refund you, surely you can't expect to pay for something you haven't received?


Think she's sorted now thank you.Been offered some compo and wifi is working.

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  • 4 weeks later...



phatram's daughter here.


I have had an ongoing complaint with TalkTalk dating back to 28 December 2016.


To cut a long story very short; they cancelled my service incorrectly, agreed new 'go-live' dates that never happened, booked engineer visits that never happened or arrived late, kept sending me details of different packages they were signing me up to and NOW, we finally have a 'fibre' service that is running at 7Mb. An engineer came out on Friday, only to find that I haven't been switched to Fibre at all and my service is still running on ADSL!! :-x


In short, I have contacted the Communications Ombudsman, but I am after some advice about how much compensation I should be seeking for all this mess.


Is there an 'hourly' charge, or charge per 'email' or 'phonecall' (the majority of it is in writing) I can invoice them for all the time I have spent trying to sort out this mess? I have sent them at least daily email for the past 8 weeks!


Also, I was advised that I would be charged £65 for a missed appointment fee if I was not in when the engineer came...then he didn't come. So can I reverse this charge to them for wasting my time?


I am staying in tomorrow again for an engineer visit promised between 1-6pm - so we'll see if that happens!


Any help would be greatly appreciated.


Thanks in advance.

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In short, you can't charge them anything, UNLESS you take them to court.


If you really want to kick them in the crown jewels, then vote with your feet, and go with one of their rivals, TT really are the dregs of the telecomms community, if they're not losing your personal data, then they're ensuring you get the best of their well documented customer diservice.


My advice is to get rid.

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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Threads merged..please do not start new threads on the same issue.


Also members should not allow other people to use their accounts......please refer to the forum rules.



We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service


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

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you can charge your time for a missed appointment, generally it will be successful if they have already missed one and you can prove that staying in a second time has cost you lost earnings or holiday. If you are on flexi or self employed you generally dont get a bean.

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