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    • The FCA has publicly censured Premier FX Limited (Premier FX) for failing to safeguard its customers’ money and for misuse of its payment accounts under the Payments Services Regulations. In doing so, Premier FX seriously misled its customers about the services it was authorised to provide and how it held customers’ money. View the full article
    • I have sent a response to quote that and also say that i will be submitting my already prepared claim to the county court   Thanks for the quick response! I will see what happens next
    • The High Street-only retailer says it has lost £1.1bn in sales due to the recent lockdown. View the full article
    • Ignore it.   Or,   If it were me I would send in the following email  
    • Below is the response i have received to the emailed version of the letter of claim.  They should get the actual letter today       Thank you for contacting our Executive Office team. My name is Gavin and your email has been received and I have personally been asked to investigate this matter for you.   I’m very sorry this has happened, and I would really like to help you with this today by assisting you in making a claim, should you wish to do so.   I can see that this parcel was booked through Packlink Shipping. Packlink use our network to send their parcels through, but they are an independent shipper and any enquiries about their parcels need to go directly to them.   Here is the link to the Packlink website and claims department: https://support-ebay.packlink.com/hc/en-gb/articles/360014270619   You can also make contact with Packlink with the links below.   • eBay Delivery Help Center: https://support-ebay.packlink.com/hc/en-gb • Packlink Help Center: https://support.packlink.com/hc/en-gb   I hope this helps you to get your Packlink enquiry resolved.   Kind regards,        
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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

Wftc single investigation


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Hi everyone

I’m just desperate for a bit of advise

 

I got a letter last week stating we have links to you and mr x who is the father of my 2 eldest children and ex husband

we have been separated now since 2005 but never divorced mainly due to my religion and neither of us have been in a real relationship with other people

we have a disabled son and we are very amicable

he helps out with our eldest a lot and is very close with him.

 

I pay all of the bills in my name

we have a joint mortgage on the house and house insurance together

 

he lives around the road in his mums and would come in and out to help our son shave hygiene tasks etc

 

I have letters and proof that he lives there plus he is on the electrol roll at his mums

 

I have a few problems firstly the house mortgage,

the insurance

plus he is a second named driver on my car insurance as this brought my monthly price down if I added him!

 

Also he asked years ago if he could get a car out to my address and as this was for him to go to work

I never minded if any post comes here for him

he collects it from the hall table

 

over the years he has had a few things registered here (all finance)

reason being his mums house is blacklisted

and also she would open his post

 

I never thought this would be a problem

but now see that it really is

 

I am soo panicked

I’m worrying morning noon and night

can’t sleep

 

I have visions of them saying that we should have had a joint claim,

stopping all my money which panics me as I have soo much debt credit cards and loans then reading all sorts online I now have myself going to prison!!

Any advice would be more than welcome ❤️

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well you wont be going anywhere near prison.

 

these card debts etc

 

start a new thread and tell us about them.

 

is this a letter from contcentica

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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I telephoned the number the day that I received the letter

 

girl from hmrc went through me asking why I would let him use this address for finance

 

I said I didn’t know that I was not allowed to

 

over the years he has had credit cards and a loan to this address

 

I don’t know if they are still active as I don’t open any post I just leave for him to pick up

 

She said that they have him down at living at his normal address but over the years he has had more links to my house than his own

 

Sorry also the letter is from tax credits office operations h m revenue and customs

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then you are doing nowt wrong and can prove it so.

 

its better not to ring

keep everything in writing.

 

wont hurt to pop up on the HMRC website and fill our their online SAR

get everything they hold on you

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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I’ve never heard of this I will have a look thank you

 

I have everything sitting ready to be posted

but not going to send until closer to the deadline as I think they will stop my money just before Christmas

 

my big concerns are the house insurance car insurance and letting him have finance to this address ��

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nothing wrong with any of that

 

get that debt thread running please too

 

whens the deadline

what have you got to send?

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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Share on other sites

I had a look just

 

where it states reason for applying do I put in investigation?

 

The deadline is 1st December

and have to send

all bank account bills

rates

mortgage

credit card

loans

birth certificates and

statement of our relationship

 

copies of everything that comes out of my bank account

and they are asking from 31st August until 31st October 2 months

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all quite usual stuff

 

as for the SAR

the reason you wish it is for your own financial records

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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no its a legal right

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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