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    • This is the entrance until recently.   Is this place near you?  Would it be easy to go back and take photos of the signs as they are now, especially at the entrance? Arndale entrance.pdf
    • well 10/10 for opening a parachute account and stopping LLoyds dipping into your meagre income.   who are moorcrofts stated client please on their letters?   as for cabot, send them a CCA request when did you take this card out please?    
    • Yes it is the Arndale. Until 2018 it had always been free to park there then they introduced charges. I'm guessing the carer might have thought it was still free for 3 hours. 
    • I sold an item on ebay through their bidding system, ebay recommended I use PackLink as a delivery service so I did. I dropped the item at a local shop and video tapped the item being taped in the parcel with the label stuck on. The parcel was scanned and approved awaiting to be collected by somebody from Hermes The person collected this parcel later that same day (both events are recorded on hermes tracking website) and the tracking did not update past that point. I contacted Ebay, PackLink and made attempts to contact Hermes the following day to trace the parcel, and it took PackLink 6 working days to establish that the parcel was 'lost'. Hermes contact was appalling as it is automated (live chat and phone) and when I could get through, their automated system stated that due to the label being from PackLink, all issues are with them. Once the parcel was lost, I was told to write up a claim form, for PackLink which I did so. They initially offered me £25 + label cost, which I told them I reject through email. They then refunded me both amounts despite me rejecting this.   It took 6 working days for them to admit a problem and to send me that amount despite my rejection.   I found this companies house number for PackLink: 09026541   That claim form you have linked me is for people who have a claim against them, is this the right link (it asks me questions such as if I received notice from the creditor, why I ceased payments etc)   Thank you for the assistance.   I have just checked today and it says:   HERMES PARCELNET LIMITED filed an acknowledgment of service on 19/10/2020   The claim was submitted by me on the 12th.   Am I able to PM you privately with my claim form?  
    • Is this the Arndale?  On Google Maps it seems the only multi-storey in the area, and it's "managed" by ES Parking.  I see that there were recently three hours' free parking.  As dx says, that will be on the planning permission which immediately knocks the fleecers' claim out of the water.   Plus, love to see them pursue someone for driving who can't physically drive!
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Luckily I have been free of payday loans for a few years now but feel sorry for people who are relying on this,redress. I am so angry that the FCA did nothing to protect them, and made sure that they were treated fairly.

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  • 2 weeks later...

Hi all,

 

I've been chasing CFO for compensation for years since I took out a load of payday loans I clearly couldn't afford.

I know I was stupid, but at the time I was going through really bad times, and wasn't thinking straight.

 

I originally complained to CFO directly early last year and got rejected, then in January this year they mailed to say I was affected by the redress programme and would be received some compensation back...

 

...Since them I have chased them every couple of weeks, with no positive response, and now I find they have passed everything over to Harrisons, and reading between the lines I am not likely to get a penny back!

 

Surely the FCA should have seen this coming, and put something in place?

 

Is there anything practical those affected can do, other than put it down to experience and be thankful it's another PayDay loan company that isn't preying on vulnerable people???

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I have put in a complaint to the FCA which they have acknowledged.

 

 

My complaint is that why was it not made clear that the FCA made sure there was enough money to pay the redress instead of us being told we are getting money back to have the rug pulled from under us.

 

 

I am waiting their response

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Unfortunately I can see this going nowhere im afraid. Its sad to see so many people not get the justice they deserve.

But CFO Is now dead once and for all... Lets see what the FCA say to Showergirl

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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  • 2 weeks later...

I have,received an e mail from the,FCA this morning having passed stage one they are now looking into why it was overseen that no redress has,been paid. Will keep you posted on any further news

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  • 1 month later...

The fca have decided not to uphold my complaint as both the FCA and cfo could not have foreseen that they would have gone into liquidation. Due to the data protection they can not disclose any further information so good bye to £800

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  • 2 weeks later...
The fca have decided not to uphold my complaint as both the FCA and cfo could not have foreseen that they would have gone into liquidation. Due to the data protection they can not disclose any further information so good bye to £800

 

They can't foresee if a company will go into administration - e.g.. the members/creditors can vote on it there and then but they certainly should have performed some due diligence when levying the fine. Strange that its looking like they are now insolvent - question is were they solvent when the agreement/fine was made and when did it turn.

 

External auditors make a living out of assessing whether a company is a going concern:wink:

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  • 1 month later...

What grates on me most in this situation is that not only will they not pay us the compensation owed under the redress scheme but they have the cheek on the administration page to say if you still owe cfo money and do not pay they will take legal action against you!

 

How are the laws of this land so bloody backward

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