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    • There is no sample letter for this kind of thing. All the very circumstances are generally speaking so dissimilar – that you need to make your own letter. I have no doubt that Hermes has a complaints process and that is what you need to engage with. I'm not saying that their complaints process is any good. In fact as far as I hear, it is rubbish – but you need to begin it and to make sure that you keep copies of screenshots already emails or letters so that you can show that you have raised a complaint with them and after waiting a reasonable time, say, 10 days to 14 days, you gave up or else they declined your complaint and then you decided to start taking formal action.  
    • Hi    I’ve spoke to my GP and they said they’ve been told by the government not to hand out any letters for people and I need to go onto the government website and I can get a letter of there.    I’ve searched all over the website and can’t find anything but the template for the exemption card I already have.    It makes clear on the website that you don’t need to proof any medical exemption but the police and shop keepers clearly think otherwise.    I don’t no if I’ll have an argument now since my doctor won’t even see me so I can proof my anxiety. I don’t fancy paying solicitors fees if it has to go to court. I’d struggle paying the £200 fine at the moment let alone anything else.    I’m going to ring CAB today and see if they can help in anyway. I think it’s likely I’ll end up paying but I really don’t think it’s fair as I followed the rules the government set.    If I do have to pay it is there anyway I can pay it in instalments or convince them to still give me the £100 discount? I’m not a solicitor so I’ve needed more time then two weeks to figure out were I stand.    Thanks  Andrew 
    • If i was to contact AX today and tell them a family member can loan me the money for a new car so the hire car can be collected . i could see what they say to this. Is this a good idea?
    • I am sorry i find this forum bit hard to navigate can you please provide me the link where i can see any sample complain letter, so the letter text i sent in my previous post is not a complaint letter?   Secondly i don't mind at all if you are correcting me, English is not my first language and it is much appreciated that you correcting me, i have found the correct word "tampered". Thanks  
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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
      • 25 replies
    • 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
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Abbey Overdraft Sold to Cabot


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Good Morning

 

I have been paying a debt management plan to payplan for over 10 years, following advice from this forum for which I am soooo grateful for I have sent CCA's off to all my creditors and awaiting responses.

 

My abbey overdraft has been sold onto Cabot, I understand that I cannot sent a CCA. The last payment to them on my debt management plan was Dec 17.

 

The balance is £588.19

 

What is the best way to proceed with this, should I send a SAR or set up a payment plan direct with them, are they likely to accept a F&F?

 

Thanks for your advice/help in advance

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I would be sending an sar to Santander

 

let cabot sweat for now.

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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How long have Cabot had the overdraft ...when was it assigned? How old is the overdraft ?

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thanks for the responses I will send a SAR today,

 

I started my debt management plan in June 2008.

 

Abbey sold it to Moorcroft originally 01/10/08

it then went to debt managers,

credit security Ltd and

finally sold to Cabot in December 2015

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Moorcroft/debt managers/CSL don't buy debts

they only chase for their client named on their letters.

 

so was not finally sold by satans bank till dec 2015?

 

when did you open this OD?

I bet any outstanding balance is well wiped out by all the OD charges you had over the years.

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

satans bank address

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
  • 1 month later...

Hi I just wanted to pop back with an update, santander have replied to my sar request saying they are unable to locate any account data. Any advice on what I should do going forawrd? thanks in advance

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well if they cant find anything

then neither will cabot

stop paying if you have not already done so

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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