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    • Part of the Hermes' business model – they sell you a delivery service then botch it and then try to deny responsibility. They sell you an insurance – and then try to renege on it but keeping the money – they then make you work for nearly 5 months to get your money – and then in the end they pay you out but they try to keep back the money you spent trying to get your money back – which is really just enforcing their so-called insurance policy. This is dishonest. It is very clearly cheating their customers. I don't believe that the senior executives don't know about it. But hey, what do they care?
    • Excellent. Well done. I'm pleased for you. Yes they always try to claw back something – to satisfy their sense of pride. The money should get to you pretty quickly – they obviously don't use Hermes to deliver it.   Thanks in advance for any donation – but wait until you get the cash before you start chucking it around!
    • Well done and thank you for coming back to update us.   Thank you also for the donation, much appreciated.   HB
    • Delighted to report back that I have won my money back.    Minus the £25 claims fee but I did try (I pointed out that this amount is negligible to a huge company but a lot to me).    The whole mediation process was completed within 30 minutes, with a bit of back and forward between mediator, Hermes and myself.    The mediator was excellent and didn't put any pressure on me.    I am really pleased, it's been a long slog and very stressful, but I'm glad I persevered.    Thank you so much to everyone here for their help in getting through this! I'll be making a donation as your support is much appreciated, particularly @BankFoddermany thanks 
    • But surely shes got a point that they havent sent the t&c and prescribed terms means its not a true copy of the agreement? i thought that meant they cant proceed to court if they dont provide that stuff mentioned above
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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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Barclays secured loan first plus

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Can anyone advise as to why the following as I'm baffled ��


Took out a secured loan back in 2005 with Barclays plc (firstplus) unbeknown to me it was secured on my house (I was young an niave at the time) only found out it was a second mortgage when I sold my house and solicitors advised of the 2nd mortgage ��


What I'm querying is why I signed an agreement in 2005 with Barclays plc on the loan agreement then in 2008 I was forced to sign another agreement for the same loan but this time the headed document was with Barclaycard? The interest rate was higher.


First agreement for a loan of 9500 with interest of 5920 sign 2005 9.2% interest


Then the 2nd agreement loan agreement of £7299 with interest of 5200 signed 2008 10.48% interest


I was forced to sign the second agreement as apparently regulations had changed.


I paid this loan off in 2010 but something has always nagged me to say...something isn't right hence I've kept all paperwork.


I can't see anything about PPI on either agreement. Both agreement wording the same apart from company name different, 2005 Barclays plc and 2008 Barclsycard..


Can anyone offer any advice as to why I was forced to sign another agreement or have the baliffs sent to my house? (Even though I'd never been in arrears)

Edited by Dede1976
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they wouldn't have said bailiffs.

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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Trust me the guy on the phone did, this I was told could happen if I didn't sign the new form. He was calling me daily to sign the new forms and I reluctantly did.

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or could it have been debt collection agency a DCA

whom are not bailiffs...



but there you go

you should never be doing such on the phone whereby anything can be threatened without recourse.



makes your situation sound even more dodgy than the initial story



SAR time me thinks

I know you have paperwork

but the comms log might be nice reading.

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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He definitely used the words baliffs, that I can recall.


Unfortunately they only dealt with customers over the phone but yes now being older I wouldn't consider such dealings over the phone again...once burnt.


I have raised this today with Barclays and a complaint raised, all calls are recorded so hopefully they still have these on record and transcripts too....I too look forward to the reading material.


Sales person needed to hit their target and signed me up again on a new loan eliminating the old one. I'm thinking maybe this is what happened hmmmm as it's all a bit dodgy.

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