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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
      • 33 replies

Please advise me. CCJ with one year till SB suddenly appeared


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I was in horrendous debt when my husband left me with all the family debt and bills and no income

slowly I managed to work my way out of things and paid off what I could.

 

I took the ensuing years of bad credit rating on the chin and ploughed on watching my credit file with all my statute barred dates marked in my diary,

overjoyed when they started dropping off.

 

Suddenly I noticed my credit rating dropping again but couldn't work out why.

 

 

Today I logged in and saw that with one year to go before SB, Moorcroft have appeared with a defaulted debt

 

Also having lost my CCJ last year suddenly out of nowhere I have one for £400 odd again with the SB date for a years time!

 

I had no clue about that one, where has it been all this time and why just appear now?!

 

It feels like I will never be debt free! :|

 

Is there anything I can do?

Surely if I had this CCJ it would have appeared before now.

It's been 5 years since the date of it.

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Who is the CCJ for ? There should be a CCJ reference, so you can contact Northampton Bulk centre to get hold of all the information.

 

When was the credit record updated ? Perhaps it was hidden previously ?

 

Moorcroft only chase debts for companies. They don't own them.

 

Were these debts all in your name ? Could they have chased your ex first, got nowhere, so they are after you now ?

We could do with some help from you.

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