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    • 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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    • 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.
       
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Audi Finance. Balance payment & default


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Hi

 

New to the site and would be grateful for anyones help here.

 

Myself and my brother both have an Audi lease agreement.

Both business PCP deals.

 

Term ends on both cars tomorrow.

 

I have just found out yesterday after contacting Audi Finance that the balloon payment of £24.95k plus admin x 2 will be leaving our account tomorrow.

circa 50k.

 

We have today handed the cars back as agreed and taken out a new deal / car each.

New cars / deal do not start until March 2018.

 

Unfortunately the Audi garage we deal with had not informed us that we had to contact the finance company and clarify that we would be returning the vehicles, and stop the balance payment due.

 

The guy at Audi who got us the deal says Audi finance should have contacted myself detailing what we had to do with regards to the current deals.

 

Audi could not stop the payments due to leave our account on the 30th, too close to DD date.

 

I have also been told today that they will try take the payment again in 10 days time and if

not paid it will default.

 

I was also told by the same gentlemen at Audi finance that there is nothing else I can do.

 

After default it will affect our credit rating.

 

Obviously I do not want to make payment as we had secured a new deal + cars returned.

We also do not have the money to cover the payment. Nor can we make full payment.

 

Does anyone know what Audi do after default?

 

Has anyone any experience of this sort of situation?

 

i am not concerned about the credit rating affect upon the business nor am

I concerned with losing the next car /deal agreed. (deposit paid and likely gone)

 

My concern is the procedure of what Audi may do after default.

 

Regards

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pers i'd goto your interweb banking site and cancel the DD's yourself

 

then let audi/audi finance argue it amongst themselves

they cant immediately default you either

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 DD has been cancelled you should be ok

but if they do get it

then you can reclaim via the DD guarantee scheme which is immediately

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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