Jump to content


  • Tweets

  • Posts

    • The FCA has publicly censured Premier FX Limited (Premier FX) for failing to safeguard its customers’ money and for misuse of its payment accounts under the Payments Services Regulations. In doing so, Premier FX seriously misled its customers about the services it was authorised to provide and how it held customers’ money. View the full article
    • I have sent a response to quote that and also say that i will be submitting my already prepared claim to the county court   Thanks for the quick response! I will see what happens next
    • The High Street-only retailer says it has lost £1.1bn in sales due to the recent lockdown. View the full article
    • Ignore it.   Or,   If it were me I would send in the following email  
    • Below is the response i have received to the emailed version of the letter of claim.  They should get the actual letter today       Thank you for contacting our Executive Office team. My name is Gavin and your email has been received and I have personally been asked to investigate this matter for you.   I’m very sorry this has happened, and I would really like to help you with this today by assisting you in making a claim, should you wish to do so.   I can see that this parcel was booked through Packlink Shipping. Packlink use our network to send their parcels through, but they are an independent shipper and any enquiries about their parcels need to go directly to them.   Here is the link to the Packlink website and claims department: https://support-ebay.packlink.com/hc/en-gb/articles/360014270619   You can also make contact with Packlink with the links below.   • eBay Delivery Help Center: https://support-ebay.packlink.com/hc/en-gb • Packlink Help Center: https://support.packlink.com/hc/en-gb   I hope this helps you to get your Packlink enquiry resolved.   Kind regards,        
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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

Please note that this topic has not had any new posts for the last 1381 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

here's my situation.

 

I appiedy for a mortgage and it gets declined.

Head over to credit file and see a default going back to 2015 from Vodafone for £30.

 

I had a sim for an Ipad for my job at the time.

Left job, cancelled DD (stupid I know)

 

 

then 2 months later get emails from debt recovery,

pay instantly then call Vodafone to cancel the contract.

 

 

All fine and dandy (or so I thought) I received no emails or emails chasing the money so assumed all ok.

 

I call VF today to explain that this account was cancelled and I don't feel I owe the money and for them to remove the mark.

"ok sir we will look into it for you and call you back"

 

 

A few hours later I receive a call to say that there is no record of the cancellation and I owe the money,

but if I pay the money they will review the default mark.

 

 

I pay the money,

am placed on hold ready to be transferred to the credit department.

 

 

The handler comes back and advises that they won't remove the default.

I explain that this is crazy, they are ruining me and my family for 6 years over £30.

And that had I had known this was owed I would have paid it instantly (as I did today)

he puts me back on hold for a while.

Again the answer is "no"

 

Do I have a case here or do I need to suck it up and live in financial purgatory for the next 6 years?

 

Thanks in advance.

Link to post
Share on other sites

Vodafone will not remove the default without a serious battle on your part - they would rather gouge their own eyes out !

 

 

Please do read other Vodafone threads where a default has been placed in error !

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Another reason why we advise consumers to gouge their own eyes out before considering Vodafone:-D

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 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

Link to post
Share on other sites

Well my battle with VF has ended well for me because I fought tooth and nail to win.

 

I got my negative markers removed and an added bonus of all markers removed. I haven't heard from Very Fudged (VF) FOR SOME MONTHS NOW. 9 months or there abouts before I kick them in to touch for ever and NEVER TO return...

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites
Another reason why we advise consumers to gouge their own eyes out before considering Vodafone:

 

:lol:

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Hi,

Why do you feel this default is unfair? You did cancel the Direct Debit so VF didn't get paid. Have you checked your file recently to ensure that the default is still showing as £30 owing.

While you are considering a response to the above, the OFT debt collection guidance (before the FCA took over) stated that defaults should not be placed for small amounts. I would certainly consider that £30 IS a small amount so while you are fighting VF over this, File a notice of correction against the offending entry (up to 200 words) to explain how this event happened.

 

I would consider sending VF a SAR as before entering a default on a credit file, they should inform you and give you a chance to rectify the error before a default it filed. Your case falls smack in the middle of the farce that VF called their upgrade of the systems which caused thousands of customers massive inconvenience. As the software could not be trusted during this time, it would be incumbent on VF to check fully. They have been known to send messages to a cancelled account and the user would obviously not receive them. Why is it the first you hear of this is from a DCA. VF should have contacted you first. By sending a SAR (with plenty of identity proving documents-copies) the account history may show what (or what didn't) happen.

 

If you haven't instigated the formal complaints system, I would do so.

  • Confused 1

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites
Hi,

Why do you feel this default is unfair? You did cancel the Direct Debit so VF didn't get paid. Have you checked your file recently to ensure that the default is still showing as £30 owing.

While you are considering a response to the above, the OFT debt collection guidance (before the FCA took over) stated that defaults should not be placed for small amounts. I would certainly consider that £30 IS a small amount so while you are fighting VF over this, File a notice of correction against the offending entry (up to 200 words) to explain how this event happened.

 

I would consider sending VF a SAR as before entering a default on a credit file, they should inform you and give you a chance to rectify the error before a default it filed. Your case falls smack in the middle of the farce that VF called their upgrade of the systems which caused thousands of customers massive inconvenience. As the software could not be trusted during this time, it would be incumbent on VF to check fully. They have been known to send messages to a cancelled account and the user would obviously not receive them. Why is it the first you hear of this is from a DCA. VF should have contacted you first. By sending a SAR (with plenty of identity proving documents-copies) the account history may show what (or what didn't) happen.

 

If you haven't instigated the formal complaints system, I would do so.

 

Hi there, I paid the bill from the cancelled DD that was passed to their agency. I specifically recall calling VF to cancel the account. They are saying they have no note of this cancellation, yet the debt has no increased. Surely if the account was not cancelled the debt would have increased?

Link to post
Share on other sites
Hi there, I paid the bill from the cancelled DD that was passed to their agency. I specifically recall calling VF to cancel the account. They are saying they have no note of this cancellation, yet the debt has no increased. Surely if the account was not cancelled the debt would have increased?

 

Not necessarily...some DCA may try...but they shouldn't as the account is terminated.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 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

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...