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    • Thank you. That's very helpful. We would like the diagrams please. I understand that you have completed a written report or statement or completed a form with your account of the accident – but you haven't kept a copy for yourself. Is this correct?
    • Yes i have all the van drivers details .   I referred to ' driving slowly' to my property because the front end of my vehicle was badly damaged , the bonnet was completely cumbled- exposing the engine underneath. I drove slowly as i was scared of my car catching fire or something whilst i was inside . i drove around 2mp round the corner to my property.   It was a transit van, no passengers in the van. He had been in the area working. He lives in another city.   It was 16:25pm, no lights on any vehicles as it was day light. 
    • yes 10 is it that are still not 'accounted for' - possibly the extra 6 billion? Seems likely that despite the already identified horrendous waste of taxpayer money, failure of competence, lying and crony-ism .. the worst may be (likely is) yet to come
    • We don't allow lawyers to promote themselves here so the advice we give will be from individuals who have experience of dealing with wills and probate/inheritance tax matters.   HB
    • 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.
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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!
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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    • 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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This is my first time on here so sorry if this is not in the correct thread. I took a loan out in my partners name in 2015 and he's only just found out.


I had a massive gambling problem then, I have tried repaying some of it but my debt spiralled out of control due to the gambling issue and I've stopped paying it!


I just need some advice on how to fix this? I know probably some people will judge me for what I did and I suppose it's fair enough but any advice is appreciated. The loan was for £2200 taken with AvantCredit, they did not ask me to prove my identity either, that might've perhaps put a stop to that (I'm not blaming them).


Thank you in advance

Edited by honeybee13
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Hello and welcome to CAG.


We don't judge here, just try to help with the problems in hand. I expect the forum guys will be along over the course of the day with advice for you. :)


My best, HB

Illegitimi non carborundum




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Is there a template letter that you could send to the debtor?


had a email off fso aujudictor and he's found in wife's favour for pay day advance and recommended all intrest and fees are repaid. And the debit and default removed from credit file. Well happy just waiting for pay day advance to make off and provide figures.

Hi there,

I'm in the same position as your wife (very ashamed of myself) I've got around £25000 debt and so stressed about it I don't know where to even start! Is there a specific letter you used to write to them as in a template or did you just explained the situation? I would be very grateful for your help

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type in irresponsible lending

in the top red toolbar search cag box......

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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Dear All,


I have started a thread yesterday,

but i feel a new one is needed with a bit more detail in order to get some help!


I've had a very big gambling problem ,

started becoming serious about two years after my son was born, in 2012/13, now under control however, a little too late.



Long story short,

i have cashed in about £5000 worth of NS&I bonds after i gambled away my income,

maxed all my credit cards

then started taking out payday loans when all the cards were useless.



From there on everything just went downhill fast,

started winning ,

paid some money back,

took them out again then started loosing everything.


Of course then I got desperate for more money chasing my losses and hoping somehow all that money miraculously would come back (how stupid was I !!!) and took a loan out in my partners name for about £2200 with Avantcredit.

He's only just found out about it, and to say the least he's absolutely fuming!:mad2: (can't blame him )


I need desperately to get out of this mess .

..i don't know where to start!



he's not speaking to me at the moment the atmosphere in the house i can't even describe!


I've paid avantcredit back a little bit then stopped due to all my other debts!

It is obviously on his credit report now,

do you think if i contact the company and tell them it was me that created the debt and not him, they will remove it from his credit file?



I obviously need to pay them back, would they agree to that or would they report me for fraud? :sad:

Thank you in advance


I forgot to say, my debts now are somewhere around the £25000 figure

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Both your partner and Advantcredit could report it as fraud. I doubt it would be removed from your partners credit file.


You really need to list all of your current debts, roughly how much and when you took them out. Then you might get more advice.


Did you provide accurate information when taking out the loans ? If you gave any false information such as employment income then you might find it more difficult to argue irresponsible lending.

We could do with some help from you.



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


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

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ive merged you thread

keep to one

always better.


id say it might be best to do a I suggested before


for the minute

concerntraste on your debts

get irresponsible lending complaints going against each company

that should release funds to pay his loan off

and then problem solved.


id be paying his loan

forget the rest get IR's running.


oh and tell him AND YOU

to go read irresponsible lending threads here.


not your fault, but its over now

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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Thank you both for the advice and help and of course your time,



my debts go back to 2013 loads of payday loans,

I've pulled my credit report today and looked back,



I will compile a list this weekend with all of them paid and still outstanding,



I'm probably going to get the shock of my life looking at all the waited money !!



But unfortunately what is done is done.



Thanks again

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Hi liss... We have created a PDL guide for reclaims etc...

Have a read...




Edited by Andyorch


We could do with some help from you.


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



Receptaculum Ignis


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