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    • Incidentally, a brief word – for you, but also for anyone else who visits this thread. It's a word about insurance. By requiring you to take out insurance, they are effectively asking you to protect yourself against their own negligence, their own breach of contract or the criminality of their own employees if stuff get stolen. This is extraordinary and it is part of the culture of the removal business and I have no idea how this culture came about and it is now accepted so meekly as the natural way of things by people who use removal services. There is exactly the same culture in courier services so that companies such as DPD, DHL, UPS – and particularly Hermes require their customers to pay for additional protection in case the service that they have already contracted for and paid for is not carried out. Amazing! It doesn't stop there. Extended warranties. If you go into any Currys PC World, if you buy any computer or washing machine or fridge from them or anywhere else, some salesman will chase after you and ask you if you want to buy an extended warranty. So for extra money you can buy an insurance which will apparently cover you in case the item you have bought breaks down within a certain amount of time – normally three years or five years. Incredible! You already have perfectly good statutory rights which will cover you for most of those situations over the foreseeable reason the expected life of the item you buy. What they are all doing – whether they are removals, couriers, sellers of white goods and electronic goods, is effectively getting you to pay for rights which you already have under statute or under ordinary contract law.  
    • Thanks. How much did you pay for the insurance? Looking at the policy which you have linked us to, I see that first of all there is in excess of £50 and that means you have to pay the first £50 of any claim. According to you, you have only lost about £35. Are you saying that the entire book case is worth £20? It seems very little to me. The second thing is that they say that lost items are not insured unless they are listed with their value. Presumably that hasn't happened in your case. On that basis, it seems to me that the insurance doesn't cover you anyway. I do agree that I think you've been treated disgracefully and I don't think that the lack of insurance is any bar to making a claim. If you would like a bit of fun, then we can help you make a small claim in the County Court to recover all of your losses directly from them for their breach of contract/negligence. Of course they won't be used to that kind of treatment – but do you really care? The chances of succeeding if you are prepared to go to the Small Claims Court are better than 90%, in my view. You would have to play a claim fee that you would recover that when you won your case. Of course in the event that you lost, then you would lose that claim fee and also a hearing fee if it got that far. Frankly, for this kind of money I would imagine that they would put their hands up once you issue the papers and they realise that you are serious and it was going to cost them much more money to defend it then simply to pay you out. In addition to getting your money back and delivering a slap, you would acquire transferable skills so that you could confidently in the future sue anyone who got in your way. What's not to like?
    • You think I haven't emailed their CEO do you the first thing I did after putting my complaint in not for the first time either he totally ignorant he replied to my first email on the first case but had his assistant handle it not him   this company is the worst ever and they talked me into getting these very unsmart meters that are supposed to save me money yet because I m on PYG smart meters I pay more money than those who get monthly or quarterly bills yet I have already paid for my energy   yet there are hardly any other companies who will take on these meters and wont save me money at all for those who would give me an account but only online which is no good what so ever my problem with EON is their website they keep shutting down on weekends and their app only works when it wants to making it even harder to top up my meters   this has been going on since 2019 when I won my first case and still going on now and they wont help me with it yet they had the cheek to phone me yesterday but the idiot wouldn't listen to what I had to say so I hung up and wouldn't answer him calling back   besides he broke the law be phoning me as I have only allowed them to contact me through email and letter only and now they are saying I never replied to them with-in the 21 days which he is lying.  
    • I’ve been given a number that ends with a c..I didn’t get her name but she went and asked her Supervisor, the calls are recorded and she definitely said we had a case but to give him a last chance for today and see if is good to his word..then to call him and tell him that we can now report him to the police..   Because he has made so many promises to deliver and has not refunded on request then they will take action this time as he is out to deceive..   Funny today that our car has disappeared from his adverts so it’s gone somewhere..could he have sold it again?? but it wasn’t his to sell..and the police have stated that..   the plot thickens..a very expensive lesson we have learned from all this and how not to buy a car!   I will keep you all posted and so many thanks..    
    • Hi!   So the company I booked the move with is AnyVan but they outsourced to another removal company. I have no contact details for them.   The missing items are only 2 shelves from the bookcase and only the clothes rail from the wardrobe. Difficult to put a price on them. So the bookcase is completely unusable without the shelves, so I would say £20 and for the wardrobe I bought a new rail and a saw to cut it in size so another £15. Like I said, it's not about the value of the of the items, it's the way they have treated us and their refusal to compensate even though we had paid insurance.   We were both there when they were packing our belongings but we didn't watch them, so I can't say for sure when/how these items were packed. We did check the house before we left and nothing was left behind.   Their insurance policy can be found here: https://www.anyvan.com/insurance-policy.
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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
      • 32 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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TAX CREDIT - single to joint claim - partner refusing to provide salary details.


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Hello everyone,

 

I'm currently a single mum of 2 and claim working tax credit and child tax credit.

 

My boyfriend and I are thinking of moving in together (him moving into my home).

I said I will inform Tax Credits accordingly and make a joint claim once he moves in.

 

The problem is, he has made it very clear that he will not provide proof of his wages etc (it's his privacy).

He said that he wants to provide and we won't be eligible for anything so I should just call them and close my claim.

 

My question is:

Can I just call to say I wish to end my tax credit claim as my boyfriend will be living with me?.

Will they not ask for his employer, salary details etc?

I don't want to end up with an overpayment.

 

Also, is there a best time to close tax credit claims because my friend said that I should wait till end of tax year April or July?

 

Really confused so any advice would be appreciated.

 

Thank you.

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You must tell them as soon as he moves in so your claim will end, if you delay you will have an overpayment.

 

You just say you do not want to make a joint claim, so there will be no need to give any of his details.

 

FYI, depending on your pay day it is possible to have a small overpayment even if you tell them right away (as it will compare exact entitlement for X amount of days to total paid so far).

 

Please note, you must complete "renewal" paperwork after the end of the tax year even though the claim has ended - this is to check you were paid correctly from April to the end date. If you do not complete this you will have to repay all payments from April.

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My boyfriend and I are thinking of moving in together (him moving into my home).

I said I will inform Tax Credits accordingly and make a joint claim once he moves in.

 

The problem is, he has made it very clear that he will not provide proof of his wages etc (it's his privacy).

He said that he wants to provide and we won't be eligible for anything so I should just call them and close my claim.

 

Not wanting to sound judgemental, but are you sure that this is going to be a long term and stable relationship ?

Partners should be open and honest in all aspects of a relationship, including finances (in my opinion). I would suggest sitting down with the boyfriend and discussing why he feels it an invasion of his privacy. Perhaps point out that HMRC will already know about his income and this information is likely shared with other departments within the government.

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You can only make certain changes online but I had a quick look and you cannot yet report a change of household, so you would have to call. I don't know how bad the phone lines are just now but I recommend calling at 8am on the dot so you don't have to wait ages in queues.

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Not wanting to sound judgemental, but are you sure that this is going to be a long term and stable relationship ?

Partners should be open and honest in all aspects of a relationship, including finances (in my opinion). I would suggest sitting down with the boyfriend and discussing why he feels it an invasion of his privacy. Perhaps point out that HMRC will already know about his income and this information is likely shared with other departments within the government.

 

 

I agree with your point but he's saying he doesn't see the point of providing his info when he / we as a family have no intention of claiming any benefits once he moves in.

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I would suggest sitting down together and using one of the online benefits calculators (for example, turn2us). As long as both of you are honest about the figures entered, you will get a good indication of whether you qualify as a couple, and how much you might be entitled to. It is worth pointing out that some benefits are not means tested.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

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