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    • Hello, I'm reading this as I have a similar problem - booking.com are refusing a refund and the accommodation are not replying to my emails. I have found the details for the CEO of booking.com but not the UK director of customer services. Please could you share this with me? Thanks. 
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    • Dispute with Vodafone and get copy invoices last invoice 2016 no balance on old number I have invoices upto nov16 showing no balance brought forward just before upgraded.   you say above you have all the bills that state a zero balance up until nov2016 are they in the SAR return too,? and all the ones after nov 2016?   the account number in the poc is this the same number as on those bills you have? and the number on the pages of the comms log you uploaded? as the comms log appears to show payments were being made right through the period you say the bills you have all show £0? then being transferred to other invoice numbers  , do these invoice numbers the payments were transferred too match the invoice numbers show £0 balance you have?          
    • no go back and read my guide earlier CAREFULLY...
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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

I didn't know I had a CCJ!

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Hiya everyone


Newbie here.

And I wouldn't be here without something that I did as a bit of a lark earlier today.


A friend put me up to looking on Trust Online to see if I had any CCJs.

Now I didn't think I did, but I went on anyway and found out I have one!!!!!

You could have scraped me off the floor with a spatula.


I had NO idea about it till today.

I've seen no papers, no letters, no forms.



Apparently it was issued on May 21 2017, four months ago.

Is this a normal thing, not telling people they are even under threat of a CCJ?



Do the courts take their time in telling you about them?

Really don't think things are going to a former address, as I have lived at my present address for 19 years

- no way it could have gone to a place I lived before.


What do people suggest I do now?

it'as for 2700 quid

I can't pay it up front,

I haven't had the 14 day breathing space to scrape up funds.



There is a possibility that it could be an issue my business was involved in but

a) that should have been dealt with in March this year and

b) I'm onto my business insurers and the client concerned about said issue.


The credit checker (Trust Online) I used did not tell me who was wanting the money or which court it was lodged at (all it said was County Court Business Centre) and that was it. I have looked up the CCBC and the nearest thing i got to it was a place in Northampton ... but I've herd a few dubious report since about this Northampton office.


To misquote Harry Potter, never tickle a sleeping dragon... I'm worried that delving into it all and making inquiries might trigger off people chasing me which at this moment i cannot afford. Six months down the line, fine - not right at this moment.


I'm not frantic just yet, but I know I might head that way so can anyone give me any helpful advice before I do go off on one!!!???


Many thanks



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Welcome to CAG MB


I would make a suggestion and ring north hants tomorrow - Get all of the info. Once done come back here...

I bet you its a Debt that someone took you to court for.


Also check your Credit file - It might have the CCJ info on there.


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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yep ring northants bulk

you'll need the CCJ number [the alpha numeric one]



ask them to send you a copy of the claimform and the CCJ to email PDF



I would guess its been purposefully served to your business address but using your pers name.




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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If the details on judgment are wrong in that the CCJ should not have been granted, you can apply to have the CCJ set aside on that basis.


The CCJ that has been issued against you when it should have been issued against your limited company.


The onus of proof is on you to demonstrate that the Court made a wrong decision, or were misled. Many of these applications are not accepted by the Courts, so it may be worth taking legal advice or assistance.


To apply to have the CCJ set aside, you will need to pay a Court Fee (£255), and complete Form N244. The Court will then send details of a hearing, which you will need to attend to put forward your case.


In the meantime if the client is correct and you do owe the amount claimed..just the judgment name is incorrect ....If you can’t repay the full amount ordered within 28 days of judgment, the CCJ will be registered on the business’ credit file. The creditor will also be able to apply to enforce the debt by way of a warrant for bailiff / enforcement officer to attend your premises.


You can delay any bailiff action, and also request that the judgment debt be payable over a period of time by completing Form N245, and paying a court fee, currently £50. The court will then decide whether to accept your suggested instalments or not.


The benefit of Form N245 is that it will give you breathing space from bailiffs until your creditor considers your offer, and the court makes a final decision. Once the court issues a decision, unless they agree to instalments, you will again be at risk of further enforcement action.





We could do with some help from you.



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