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    • They are not going to continue chasing for £37, so will stop at some point soon.  Will go back to Eon, who will just make a note of the debt on their records.
    • When a Debt Collection Agency (DCA) is assigned the debt after purchasing from the original creditors, they will add the debt to the credit record replacing the previous entry from the original creditors . The debt should be less than 6 years old from the date you defaulted making payments.   When you receive letters from a DCA, they should state the name of the original creditors you had the credit card, loan, overdraft or other debt with.   Do you still have the letters from the DCA's ?  If so, please provide details of the DCA, the original creditor named and the debt amount. If not, your online Credit Record history should contain information.   Never throw away any letters you receive from DCA's or Banks etc where they concern debts you owe. The letters may contain useful information.   Have you moved address since getting into debt ?  Did you provide your new address to all companies you owed money to ?
    • These vaccinations are going to be regular, I believe about every 6 months.  This is going to require local vaccination centres for years until they have a vaccine that provides longer protection.   Most GP surgeries are not going to be able to continually provide this vaccination service and provide all other services. They might help out during lockdown as a one off, but to continue having a constant flow of people for vaccination is not going to be possible.  My local GP surgeries are over subscribed, with it taking 3 weeks to get an appointment, so they are not taking part in this. Luckily we have a privately run NHS minor injuries unit with more room and they have been vaccinating patients.    
    • British households could be set to save less money than they did before the pandemic over the next five years as the country embarks on a £45billion spending spree, it has been forecast. View the full article
    • Just for info   Family member had oxford A/Z jab and had 40 degree temperature for 24 hours or so the day after Seems to be OK now and lateral flow showed negative for what thats worth
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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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
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Ok. Let me try and be brief but also give you all the relevant stuff.


Switched to EDF last November. Gave them the readings, which they got wrong 5 times. Eventually correcting them in February. Paying by direct debit. Also applied for warmer home discount and was assured by their chat service it was all sorted and would be applied around March.


March came and nothing, told April. April told May.


June 1 and I aksed again to be told there was no record of my application thus I would not get it. When I said I had a print out of the transcript in which they confirmed it was all fine, they backtracked and decided that as I had not provided a phone number they could not complete the application - I am deaf so do not use the phone.


I stopped the direct debit as with the £140 discount I should have received, I would be in credit a fair old way. And also I regarded them as in breach of contract for failing to do what they said they would on multiple occasions and lying.


When I got a manager to read the transcript they agreed as a ''gesture of goodwill'' to credit my account with £140, so that in effect was resolved. But I was still in credit.


This week I got an email saying my new bill was ready, so logged on and saw it. The rates I am now charged have increased. I asked via their chat today (another 40 minutes wasted) why these had increased. I was told I would have been sent an email, but then they backtracked to say that a maessage was left on my account. How would I know?????


Anyway, they have increased my rates so I want to leave. They tell me I cannot without paying 2 x £25 fees for ending contract early. Correct me if I am wrong, but as they have increased my charges I can leave without panalty.


So, can I leave without penalty??

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Its an exit fee written into the contract

Not seen in bypassed or reclaimed

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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were you on a fixed contract say for 12 - 18 months or variable ? if they have made a mistake and upped your fees on a variable account then they can but not on a fixed contract???? Exit fees are a contract item usually on fixed agreement to leave


Contact us about an energy complaint - Ombudsman Services


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Thanks for the reply. I am not sure what the second line means.


If they increased the price without telliing me then surely that is breach of contract anyway. But in addition to that, even if they forwarned me of an increase, I was of the belief that if they increase prices during a fioxed contract you could leave without penalty.

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Hi OC. thanks for your reply too.


Fixed 12 month contract. They are claiming that because I am no longer paying by DD (which I happily was until they started lying to me and I was in credit too much), I am now on their 'cash and cheque' rate. I don't pay by either. They tell me there is a bill and I pay online via their own website. So, no real explanation of why I must now pay more.

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Aha. I was in that many, many, many years ago. I left the RAF in 1982. It was in the museum at Cosford last I saw of it. Wonderful bit of engineering that should never have been shelved.


Funny world. You get old and your eyesight starts to go, but the outline still gives it away. Can still identify most aircarft by the silhouette.


Made my day.

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Aha. I was in that many, many, many years ago. I left the RAF in 1982. It was in the museum at Cosford last I saw of it. Wonderful bit of engineering that should never have been shelved.


Funny world. You get old and your eyesight starts to go, but the outline still gives it away. Can still identify most aircraft by the silhouette.


Made my day.


was in the Royal Observer corps early 70s and of course talk about hedgehopping etc , also my 60s era of missiles in the Army and scrapping the Blue Streak, TSR2 was needed and the stupid government scrapped both

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