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    • IMHO i would never have a DD setup for any consumer credit debt. they are not a priority, like mortgage/rent/CTAX/Gas/Electric.   this gives you a bit more work to do, but it ensures there is always money for the priority things that can threaten the roof over your head or it's the necessary home utils needed with one.   it's also worthy to note that somethings that are unconscious priorities (though NOT!) like mobiles/phone/digital tv and broadband etc DD's often contribute to the real priorities not being paid. careful management of those needs to be exercised, like moving their payment dates to after the priorities are deal with in your calendar, or vice versa move the priorities to before those come out.   it is stunningly amazing how many families fall into priority bill debts by blindly pay these 'mentally essential luxury gadget' bills and are in total ignorance of the effect they have upon their available funds as 'they can't live without them'.
    • Just as UB says, he bailiff does not need to be invited in, but he certainly should have announced himself. i dont suppose he said what the enforcement was for?   The bailiff has to have a "reasonable belief" that the debtor resides at your address, if he is permitted to enter.   In the first post you say the Warrant was addressed to next door, is this your daughters property and did this Richard live at that address or your address.?   We should find out what the bailiff may say to try and justify his actions.    
    • Still valid?   For completion once a defence has been submitted and the claimant wishes to proceed.   Yes to mediation No if its statute barred or a parking claim. Yes to Small Claims Track State your local County Court  1 witness = yourself   The rest is self explanatory   Run 3 copies..Court/Solicitor/File
    • I sent them a letter but I wish now that I had kept a copy and sent it recorded   not a lot I can do about it now
    • So, I'm better off cancelling any dd's relating to debts, just to be safe?
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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Beneficial Bank PPI claim for step-daughter


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Step-daughter had a loan with Beneficial Bank back in 2006. Part of it was to repay a previous loan too, so two PPI claims to be made - maybe more.

 

Have just sent SAR to HFC Bank in Coventry to see what they can tell us. We have a copy of the 2006 agreement, detailing the loan, repayment of previous account and PPI.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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  • 4 weeks later...

Be prepared for them to deny the loan ever existed, which is what they did to me, despite me having the original agreement! Took a while to sort out via Ombudsman.

Don't let them tell you their records don't go back that far... My PPI claim was for a loan which I took out in 1987.

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Be prepared for them to deny the loan ever existed, which is what they did to me, despite me having the original agreement!

Ah, but they've recently supplied a copy of the agreement under a previous request to a DCA :-)

 

Thanks for reminding me that they've had their month in which to supply the SAR though - not our fault that they've taken a few days off recently.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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HFC will swear blind the info does NOT exist

 

well just read the IMS21 thread.

it DOES!!

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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  • 4 weeks later...

SAR stuff came back. A lot to wade through but the outcome was that she had already reclaimed the PPI... I wasn't sure, I got all the paperwork for her in 2015, she couldn't remember if she had sent it off - but therte was a copy of it in the SAR pack. Ah well, end of this thread then.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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But was she paid out?

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But was she paid out?

 

Sorry, should have said... Yes, She got a car with the payment. 2nd hand mind. She was starting a new job where she needed a car and 'forgot' where the money came from...

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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