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    • Slightly off topic , just a quick question    another debt with Capquest - been ignoring for ages as refuses to supply signed docs and statement of account    finally supplied a list of transaction they say is from original creditor , but just an excel list of 29 transactions , no title , no account number ,  no headings   literally just a list of numbers on a Capquest paper - with Capquest small print in the footer .   obviously , I can see there is nothing to tie this list of numbers to me -    im looking for a good paragraph to send back    like *   Thanks for a list of numbers you have typed with no references , titles, account numbers or anything to show this is an original creditors statement , this is not my statement , and has not been provided by the creditor on creditor paperwork I j the format of a statement -  please provide as required the original statement as required by ..........     can you help ?
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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Hi all.

 

I moved in with my ex in august 2015 in to a council property that she already had with her daughter, I have never been put on the tenancy at all but she registered me as living there, our agreement was that she would pay the council tax and I would pay the rent.

 

As from June 2017 she failed to keep up with the payments on the council tax and now the council are taken it direct from my wages even though we have split up the 7th December 2017.

 

Can the council still take the money and make me liable for the money even though I have never ever been on the tenancy agreement?

 

Tia

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Hi and Welcome to CAG

 

Yes because you was registered as living there and therefore both of you are liable for the CTAX during the period you resided.In form the council of the date you left.

 

Is the Ex still residing there ? Is she still getting council tax benefit?

 

Andy

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Hi and Welcome to CAG

 

Yes because you was registered as living there and therefore both of you are liable for the CTAX during the period you resided.In form the council of the date you left.

 

Is the Ex still residing there ? Is she still getting council tax benefit?

 

Andy

 

Hi,

 

She works part time 18 hours per week so I dont know if she is getting any help with the council tax benefit.

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