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    • Welcome. please follow the advice given above as to reading around the various stories and then monitor this thread for a full reply tomorrow  
    • Hi Everyone,  I am the seller in this case and want to thank the buyer for their support.  The bike was delivered to the local Hermes Parcel Shop really well packaged and sealed on the 3rd Feb with a receipt obtained.  Sadly the parcel was emptied on route to the buyer.   I had listed the bike for collection only however the buyer messaged and asked if we could arrange a courier to which I agreed and they organised that.  When the bike went missing I contacted the local police as the Hermes parcel shop said they would not release CCTV to me.  We got all this from the Police.  since then the buyer has tried his very best which I am grateful with Hermes and parcel2go but is struggling.  Any help is appreciated. 
    • Also, you should start a claim against Hermes. Post your story on the Hermes sub- forum. Give us a full breakdown – including dates and value et cetera. We will help you get your money back
    • We care, we are highly motivated – and we enjoy winning against Hermes – which we do on pretty well every occasion. Start reading the sub- forums so that you are familiar with all the Hermes stories and the way that the process normally goes. Make sure you understand the mediation process. Make sure also that you understand the steps involved in bringing a small claim in the County Court. It's very easy but you need to know the steps in advance so that you have confidence. Don't forget that this is a self-help forum   If you have CCTV footage then please post it here. I suggest that you put it up on youtube and then post a link to it on this thread.
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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!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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    • 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

Letting Agent Asking to see LTD Co Accounts for Credit Check


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Hi all,

 

I'm currently going through a move (renting) and am being asked to provide my company accounts to letting agents for their credit checks. Now I remember this seriously bugged me the last time I moved, as I run a Limited Company and it's my gut reaction that the company accounts are and should remain private. I'm paid via payroll on a regular basis as any other employee would be. I don't even submit full accounts to Companies House, so why should these nosy parkers get to see them?

 

Is there any legal justification for them asking this or can I politely refuse, offering my personal accounts / payslips only?

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You can politely refuse but they can then politely refuse to let you any of their properties! They can ask whatever credit checking information they want I'd think, but I don't know any specific rules on it. Are you the sole shareholder, ie is this in reality you conducting your personal business through a limited company? If so I can see why they would ask.

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I am the sole shareholder, but this is a legitimate business (not in a mafia sense) where I am the director and not an IR35 / permanent contractor / umbrella co thing.

 

It's more that it irks me how letting agents think they have entitlements to information over and above that which government agencies do. I'd be willing to show my balance sheet / profit & loss (i.e. info I share publicly anyway) to them, but my company's day to day cashflow is absolutely none of their business. I'm not applying for credit - in fact, quite the opposite.

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I wasn't suggesting it wasn't a legitimate business!

 

If your company were entering into a transaction with the government or a commercial organisation, or it was borrowing money from a bank, would you expect the other party to be satisfied only with your publicly available P&L and B/Sheet? I'd have thought that you'd be asked to disclose more than that, you'd be asked to disclose your operating financials as well wouldn't you? That seems the better comparison.

 

 

But whether you think it's reasonable is academic really. If that's what they want and you don't provide it you'll have to go somewhere else. Then you'll find out whether this just this letting agency or all of them.

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I know, I just felt I should clarify. :-)

 

No, not at all.. in fact I submitted my company's bank statements when applying for a loan to expand, but that's entirely understandable as it's a transaction between my business and the loan company. In contrast, this is a transaction between myself - an completely separate legal entity - and a letting agent, so I only expect to submit my personal bank statements / credit history etc.

 

I understand they would like to ensure that my business will continue to operate and can afford to pay me, but that can all be determined by looking at the BS / P&L reports. Investigating the company's bank statements / cashflow is information they simply aren't entitled to, in my opinion.

 

I understand.. I had this the last time I moved and it seems to be only some agents who ask. I did comply last time but it bothered me a lot to share that info, so this time I'd rather not.

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They ask for this because someone higher up has put it down on a tick box form and they dont know the difference between a sole ownership, partnership LLP or PLC.

Now, if you had put your job down as company director and just showed them your directors salary then they would go away quite happy as long as they had something that showed your income and your Credir reference files dont show any adverse markers. Problemmis now that you have told them something that isnt their business they wont be happy with just seeing your salary details. How they cope with civil servants I dont know, the govt is TRILLIONS in debt so entirely untrustworthy as a credit risk

 

best go to another lettings agency and tell them you work for Bloggs ltd as a director and produce a pay slip. One presumes the salary covers the rent and usual living expenses as they wont be able to cope with divvies as income

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