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    • Thanks. Yes I'm planning on speaking to a lawyer but wondered if any frequent here. Mum won't be living in her place once Dad passes as she is not very mobile, she'll be with our daughter who has a suitable room in the short term until we purchase another property. As far as she's concerned her property will be cleared and placed on the market as soon as Dad's passed. Partly due to it being too big and costly for her to keep running.
    • A few people are working hard to find out what contracts haven't been published yet, aren't they? It doesn't seem easy and I'm concerned that as HMG has been caught out, they will try to suppress ways that people are entitled to get information.
    • Hi.   I think you may need advice from a wills and probate lawyer on this, to make sure everything is right. especially given your father's problems.   If you want to do your own research, the CAB website is quite good and there may be others I don't know about.   One thing I can see a potential problem with and we're asked this a lot if you look around the General Legal forum, is your parents' house being transferred to you and your mother continuing to live there if she doesn't pay you a commercial rent. Have a read online about Retained Interest.   HB
    • and further referring to wasted money It would appear that the PPE bill for contracts awarded to Tory populist mates without either competition, basic requirements suitability vetting, or proper reporting to parliament is actually around 18 billion pounds rather than 12 billion pounds ..  despite Johnson 'the Liar' repeatedly lying about it to parliament .. all for about 2-4 billion pounds worth (still at inflated prices) at best of usable PPE   Including it seems things like: Paying a Tory populist pal middleman with no experience 27ish million pounds (20%+) 'finders fee' to get some mostly unusable PPE at 4 times the normal price or more - about 127 million pounds for about 25 million pounds worth of PPE .. if it had all been usable   https://www.independent.co.uk/news/uk/politics/boris-johnson-covid-contracts-court-b1813003.html     heres the Tory populist accounting basics instruction page https://www.rankred.com/biggest-financial-frauds/
    • Not sure if the above issue is covered in this group but if so I am after some advice.   My Dad is in his late 90's and on his death leaves everything to my Mum, also in her 90's but housebound. It is our intention and the request of Mum that when Dad has passed that the property she is currently living in is sold, we sell our property as well and we purchase a property with an annexe and self contained toilet / shower facilities where Mum could live out her days with us. There is no way on this Earth that she would go into an old folks home and it's certainly not on our agenda. Our daughter is their registered carer who currently looks after them.   Mum's Will as it stands at present states that I inherit her estate on her death.  She is talking about transferring the property she  currently resides in to me so that I can handle the sale of both properties. As her Will currently stands, the property she is living in will have already been sold so the Will won't be applicable. Could she change her Will now to state that on Dad's passing her property passes to me or can she gift the property?   The simple thing would be for Dad to change his to state that the property transfers to me but he is currently suffering with dimentia. He hardly knows what day of the week it is and gets very confused and agitated.   Any advice would be grateful. Thanks
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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
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Chased by lloyds/DCa's for almost a Decade for £3,800 Fraud Debt I didn't owe!

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I've read many inspiring stories on this sub-forum of people choosing to resolve their debt problems, and more inspiringly I've come across the unwavering support that other members offer to virtual strangers in their pursuits - so I've decided I wanted to share my problems, in a bid to help others.


My problem concerns the issue of being chased for a debt that you simply do not owe i.e. a debt that arose because you were victim of fraud.


For almost a decade I was harassed by a Bank and various Debt Collection Agencies (to the point I had a nervous breakdown) for a ~£3,800 debt that a fraudster had racked up in my name.


Now, in 2017 I've nearly had my issues resolved (there are still costs that I have incurred that are to be reclaimed) and I wanted to share my story on how I did it.

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We would be very interested to hear the details of your story here and if there are other costs which you have incurred and haven't recovered, then we may be able to help you with those as well.


Everything is done on this forum. We do not send people off-site

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Hi BankFodder, thanks for your response. Here's my story (as briefly as possible).


After the fraudster/third-party racked up these debts in my name I made sure I contacted Lloyds Bank and did everything possible to convey to them that I had not incurred these debt.


For a couple of years the issue went back and forth until Lloyds Bank admitted that I did not owe the debt, and confirmed to me in 2009 (then later again in 2010) that I was not to be chased for this debt, and I was offered £200.00 compensation for the distress and inconvenience. At this point I assumed the nightmare had finally come to an end. Unfortunately however, it hadn’t and for another six years I was harassed by Debt Collectors and even the Bank who demanded payment for this debt I clearly did not owe:


i) I visited Lloyds Bank branches, called and wrote to the Bank on multiple occasions in the intervening years to plead my case, to no avail.


ii) I contacted each Debt Collection Agency on multiple occasions to state that the original creditor (Lloyds Bank) had confirmed to me that I was not the debtor.


Despite of all this, I did not succeed in stopping the harassment and until 2016 I continued to receive demands for payment. These actions by Lloyds Bank and the various Debt Collection Agencies had a fairly considerable financial and emotional impact on me and my family.


After obtaining a copy of the Bank’s internal notes file on my account I was able to view their actions in respect of this debt and see that on various occasions when Lloyds Bank were contacted by Debt Collection Agencies about the debt the Bank failed to deal with the matter in the correct manner.




By sending a formal and strongly worded ‘Letter Before Action’ to the CEO of Lloyds Bank.


The Bank offered £1,000 in partial compensation to me as a result, and sought to finally rectify some of its previous actions. Attached on my website a copy of the letter I was sent by Lloyds Bank, offering me £1,000 in compensation.


I really wanted to share the material I had (the letters I wrote and received back) with other members to see if it was a useful resource for them. I could post some of the images and evidence I have on this thread (I can't at the moment because I have


Thank you

Edited by Andyorch
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