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    • To give you a brief overview of the matter:   I had booked my wedding at the venue for 19th July 2020. I had several correspondence with them during March, April and May to find out what options would be available to me if my wedding can still not go ahead with the 400 scheduled guests. In May they finally emailed me with an option of either rebooking my wedding to the following year; with several restrictions as to when I could rebook e.g. only on a sunday and only into a peak season month, or I would cancel and be subject to their cancellation fees which according to their contract: if cancelled within 9 months would be 50% of total costs or if cancelled within 6 months (as would have been my case) I would have to pay 95% of the total venue cost. Naturally under pressure I chose to rebook to the following year of 25th July 2021. I had to sign the variation agreement of the date which states if I wish to cancel my new date then I will be subject to cancellation fees based on my original date which is an unfair term. I  emailed them in November to inform them that it was unfair that I was not offered the option of a refund for my cancelled wedding in July 2020 and as per CMA guidelines I should have been offered a full refund. It is also unlikely that my wedding will be allowed to go ahead with 400 people in July 2021. I informed them several times how many people will be attending the venue but they stated that my booking was not for number of guests, but for a room hire only, despite them asking me the number of guests they need to accommodate on the initial enquiry form.  They are refusing to give me a full refund and are demanding I pay another instalment despite me informing them I can no longer go ahead with this booking.    Can anybody advise me in this matter I would greatly appreciate it, I am not sure whether to take this to a small claims court.
    • Business owners tell how they have adapted to maintain an income during the Covid pandemic. View the full article
    • Thanks again for the advice Andyorch - will do as you say - radio silence
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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
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Santander/MBNA/Alliance & Leicester Credit Card PPI and no evidence

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Evening all,


I'm after some advice and please forgive me if this has already been answered. I'm using my mobile and it's not too easy to navigate/search on here to see and it's been many years since I last posted on here so I'm a bit out of touch with processes/etiquette.


I've received a letter from Santander relating to a PPI claim that I opened quite some time ago and didn't proceed with. I was told at the time that there is no records relating to my account because of its age.


The credit card was taken out with Alliance & Leicester very early 2000 and was taken over by MBNA in March 2003. I had a few cards, the repayments were gEttington to the stage where I had little left over after paying the minimum amounts on all of them and then ended up living on credit at the limit but was still able to pay the monthly payments. Then the company I worked for at the time closed down over night owing me a months wage and missed payments. I found work but not soon enough for the late payment charges and interest to escalate. I then entered a debt repayment program with Baines and Ernst chipping away at approx £16k of debt.


I had PPI cover on all my cards (and loan) because I was foolish enough to think I would be protected. When I was out of work I tried to initiate the cover but was told that because I wasn't on JSA I didn't qualify (the amount of time I was out of work and then back in employment wasn't worth signing on but did mean I had to wait two months before any money from employment came in).


They all told me this about having to sign on JSA and didn't want to quit my new job so hence the repayment program.


So today, this letter states that they still hold no evidence but "have recently undertaken a further review of our process and guidlines, and this means we are now able to calculate an assumption redress offer".


Their offer is £48.89!


I'll have to have a hunt for a statement or any mention of th card balance, but that offer does seem very unfair considering A&L were one of my biggest creditors (£4k plus) and we're one of the most brutal when it came to Debt Collection.


This is how they've calculated it


A: Full refund of PPI payments: £25.08

B: Interest paid by you on the above: £0.56

C: Lost interest on cash unavailable to date: £29.06

D: Income Tax Deducted @ 20% = 20% x C: £5.81

E: Net interest paid to you = C-D: £23.25

F: Net offer to be paid to you = A+B + E : £48.89


Any advice on what steps I should take would be extremely appreciated.

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id be sending them an sar.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Similar thing happened with my Santander PPI complaint. I was originally told that it wasn't a valid Santander card, and when I tried again two years later they found a copy of the credit agreement and one PPI premium that I paid just before the account was closed. I couldn't find any old credit card statements, only copies of all the direct debits I had paid when the card was being used, so Santander made an offer based on my average spend.



I had to accept it because a DSAR produced no new evidence, however mine was a lot further back than your complaint so it might help in your case, ask them for either copy statements or a full list of all your transactions. Best of luck

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