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    • Question: My wife received a couple of cheques (1 in Jan and 1 in Feb) from HSBC apologising how she was dealt with back in, yes, 2008. Now should we inform HSBC of our current address because they were forwarded from our previous one? The reason I ask is that redirect from Post Office expires in September.
    • not sure what you think is going on but they are nothing to do with any official court forms... it's merely a process and fleecing debt buyer must go thru should they be thinking of requesting northants bulk issue a speculative court claim on their behalf.   just send it as is dont change it.   as for d: just put .....the debt purchaser has yet to provide any or all of the required documentation.   dx    
    • if you type in auxillis is our search top right in the red banner you'll see this con over auxillis and supposed courtesy cars , but it's not its an HP agreement is well known here.   9/10 it's ends up with you fronting a court claim out of your own pocket for auxillis against the other parties insurance company that you don't stand a chance of ever winning for a claim against them for the excessive HP hire car costs you got scammed with.   may i be frank that whomever told you looking at the circumstances of you incident that you'd ever win a claim and it not be 50/50 was wrong.   you were in a narrow road in a housing estate with cars parked down one side on a blind sweeping bend exceeding the speed you should have been doing for the stated weather conditions. running into someone's side that pulls out infront of you in such an area and it being where you live too so you know it well would never be the other parties sole fault even without the poor weather. if this were to go to court IMHO you would lose.   sadly shows you were not p'haps driving with due care and attention. hence your ins companies stance.
    • I did see not to give those details out, but as these could wind up official court forms, I dont want to be on the wrong side of it.   the areas in boxes D and I, is it ok to say ""refer to appendix A, refer to appendix B"? There s a REALLy long list of "what the hell" I want out of them as this is making zero sense. Not only that, I've got a long list of "this is the hell" I need to send back in the dispute too.
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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
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Credit/Debit Card Payment Charges post Jan 2018

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On the 13th of Jan 2018, changes came into effect to stop companies adding on fees for people using a card to pay with.


I was under the impression that this was now illegal.


The other day I went into a Premier Stores franchise and bought a few items, came to less than £7... But when I went to pay, the price had jumped to £7.17... I queried my it had gone up and was told there was a 50p charge for using a card.


I pointed out that this was now illegal, but they were adamant they were allowed to do it. I told them under no circumstances was I accepting it and that they'd lost my business... and left.


I then left feedback/reviews online to warn others.


But what 'exactly' is and isn't allowed now?


I read that one of those takeaway delivery apps that used to charge extra for card payments as now simply extended the charge to 'ALL' types of payments, and that's supposedly legal as they're branding it a delivery charge rather than a 'card fee'.


If the shop is acting illegally, where do I report it?

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They cant charge for using a card but of course they dont have to accept one.


I used to refuse payments of under £8 by card but never charged people for processing payments etc.

You didnt buy anything so you cant report them


The food delivery people use a flat fee regardless so that is legal.


As for trashing them online because you cant be asked to carry a tenner in cash when you go shopping,

would it be acceptable for them call you names online if they told you to go away for trying to pay by card?


I suspect that they dont know they couldnt charge you

but when suitably informed they wont be sympathetic to anyone who tried to pay by card for a small amount again.


I used to have to pay either 2% or 60p for taking a card payment

so 50p isnt exactly ripping you off.


The big companies like airlines used to whack a charge on to dissuade peopel from using credit cards to pay and thus avoiding having to keep to their obligations under the Consumer Credit Act

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On the one hand you say..

you say they can't do it..

. and then say I shouldn't let other people know what they are doing is illegal..

. and then claim that you 'suspect' they simply didn't know...

after I'd told them that it wasn't allowed as of the 13th Jan.

. after it's been all over the news, TV/print/online..


you are so knowledgeable about them that you can make such an assumption whilst flip flopping back and forth like you did...

and to top it all...

try to make out it's ALL MY FAULT for not having cash on me.



Well forgive me for not knowing better,

forgive me for not living up to your super standards...


I suppose I should have travelled all the way to my nearest ATM at the supermarket,

just so I could travel all the way back to my corner shop to get a few things that would have been cheaper to buy at the supermarket.



If you must reply... please try to be consistent next time.

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What the mfor aajority of the public forget is that retailers do get charged for every transaction they accepts. Some are on percentages and some are a fixed fee and some on a mix of the two. On top of that there is usually a monthly fee to pay for the rental of the equipment, then is also added the cost of what they call PCI Compliance - it all adds up. Some retailers are paying huge amounts for this - yes I am talking in the hundreds of pounds, who knows what the multiples are paying.


I used to charge 5% of every transaction by card but dropped that well over a year ago. I only got to know about the changes from a Social Media site that has a retailers section, the trade press has glossed over it very quickly and nothing at all from Government or those who will be enforcing the new changes. There are many that are still charging and like you customers are voting with their feet and going elsewhere.


We now see customers wanting to buy a newspaper or a bag of crisps or packet of chewing gum and wanting to pay by card - seemingly the multiples allow it so Joe Public thinks the small shopkeeper will as well. My minimum spend is now £5 - I don't think that is unreasonable, I don't allow tobacco sales by card as high value item & low profit results in not being able to cover the processing charge. My customers know the rules and are happy - but it is some 12 miles to the next one.


For yourself then there is nothing to stop you reporting the shop concerned even though you ended up walking out. Only contact telling them of the new law will correct them. You say it was a Premier Store, then also complain to Premier, Booker who are their Cash & Carry and strangely enough Tesco who are merging with Booker.

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