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Hi Just had the below sent to me from FOS. with an option to reply by the 1st of Febuary. Is it worth going back to them?? Your complaint about Totemic Limited trading as PayPlan I hope you’re well. It’s been some time since I last got in touch, so I wanted to let you know that your case is still waiting to be looked at by an ombudsman. Because I don’t think we can look at your complaint, the ombudsman will look at the information we have again and decide whether you’ve referred your complaint to us in time. Because I think the letter PayPlan sent you in 2015 should have reasonably made you aware that you had cause to complain, I thought it might be helpful to attach a copy of PayPlan’s letter for your records. I know one of the things you’re unhappy about is that when the plans were sold, you were told taking CMP and CML, would help your creditors agree to your debt management plan. So, you thought you had to have the plans for your debt management plan to be accepted. However, under the headings ‘What is Cover My Payments?’ and ‘What is Cover My Life?’, both products are described as: ‘an optional scheme that is designed by Payplan to run alongside your Debt Management Plan’. I do think this would make you aware there was a problem with the information you were given when the plans were sold, but I know you don’t agree with me on this point. However as I’ve not highlighted the point above to you before, I felt it was important I let you know all the information I’d relied on in coming to my view. If you have any other points you’d like to make, please let me know by 1 February 2021. So, we can consider all the information you want us to before an ombudsman makes a decision. However, if you have nothing else to add, then you don’t need to do anything. We’ll be in touch to let you know once the ombudsman has made a decision. Kind Regards.
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By BankFodder · Posted
Why don't you name the wedding venue that you are dealing with? -
go look yourself..find the owner of the land and the initial planning permission granted by the council and if these fleecers have planning for their poles signs camera etc etc dx
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That's fine....and you have have done your N265 ...and received theirs ?
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and they call then fines....
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Our picks
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Post in Court Claim Against Hermes - item sent via Packlink was lost/tampered with **WON**
jj58 posted a post in a topic,
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!
Picked By
BankFodder, -
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***Hermes and mediation hints ***
BankFodder posted a topic in Postal and Delivery Services,
Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003-
- 1 reply
Picked By
BankFodder, -
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Natwest Bank Transfer Fraud Call HMRC Please help
waz70 posted a topic in NatWest Bank,
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
Picked By
waz70, -
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Hermes lost parcel. **WON**
murraynt posted a topic in Postal and Delivery Services,
Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/-
- 49 replies
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Supermarket -oap slipped on food - injury claim?
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