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    • ok well next time never use email esp when entering into what seems like pointless letter tennis on your behalf.?when you had no real need to reply to them in any manner or form.   it only encourages them you are a mug and gives them a free way to intimidate and harass you by email.   get some kind of records from saas/slc on what they believe is your current status as they do still do the Adminmost of these loans .      
    • ignore ...yes its not a letter of claim from a solicitor with their client being the Uni. until/if you get one of those pop back here.   no-one can add anything to any debt ...so can't increase it.   nothing to do with 'credit' but yes ofcourse you can request and they will have to produce all paperwork inc how they dealt with your dispute if the time comes and they move to court.   redwood or harwood are good names to put in our search top right in the red banner.        
    • Someone that specialises on the subject might be a better way to put it. 
    • Vauxhall's parent company has previously said its fate depends on the government's commitment to the car industry. View the full article
    • Apologies I hadn't seen that uploads need to be in PDF.   I have received the attached letter from STA which I assume is a standard letter as I've never spoken to them on the phone. I'm not sure what they mean by 're-commence recovery action'? Do I just continue to ignore them?   I have been in contact with the Uni who insist I need to pay the fees as I left the course after the first three weeks. They have not provided any evidence/documents that I signed an agreement to pay the fees or that I acknowledged that fees would be due if the course was left early. They referred me to their website which undoubtedly has changed since I was there.    I appreciate I shouldn't reply to STA however I'm not sure how to proceed with this overall.   I've read the claim form page and I'm not clear if I can request a copy of a credit agreement from the Uni as I'm not sure if its standard for a University to have required a credit agreement to be signed?    I'm not really clear what happens next and at what point I need to act. I've read about lots of different cases (fee related and non fee related) but can't find information on a case that is similar to mine. Do I wait until the Uni begins a formal action? I am concerned as I don't want the amount to increase from the already significant amount they are demanding.     Many thanks for any help you can offer.  staletter.pdf
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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
      • 31 replies

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Hi All


So, i have had my house on the market for some 4 months now.  We have had viewings, but no offers.  The estate agent (i htink) had overvalued the house and as a result i think we missed the optimum selling window. 


We were convinced to reduce the price (by 5K) which we have - and we have had even less viewings!  and still no offers....


i cannot afford the mortgage, and my ex husband is causing me all sorts of issues ( I NEED TO MOVE!), so what Id like to know is this... if i rent the property, can i leave it on the market to sell?  what is the minimum term that i can rent it out for? 


ive been told its a minumum of 6 months and then i can market it, that means the house would have been on the market nearly a year!  believe me its not a special house, its just a 3 bed semi in the Midlands!



can someone please please give me some advice....


im coming off my cracker...

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I'd say it's a bad time to sell right now.  The Brexit uncertainty has all  but killed off the market.  

We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group


If you want advice on your thread please PM me a link to your thread

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You can rent it out short term and if in a good location even AirB&B.

My experience is that it's best to rent short term to builders working in the area.

They pay and move out without a fight. 

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Spring is the best time to sell a house, brexit wont make the slightest difference unless you live in Fulham. If you can survive the time from now until it actually completes then I would think that having it on the marker before the easter rush will work to your advantage so give your current agent the boot and list it again in a month's time

Dump the current agents and start again but check on previously sold prices in your area before agreeing a marketing price.

I placed my last house with an agent who didnt tell me I couild get a million quid for it but marketed it at a realisitc level. I got 12 offers and sold for £20k over asking price.

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On 11/03/2019 at 14:18, Feelingdownandout said:

 if i rent the property, can i leave it on the market to sell?  what is the minimum term that i can rent it out for?


If you are thinking of renting the entire house and living elsewhere, removing the tenants when the property is sold could end up being an expensive and drawn out affair involving courts & bailiffs. Also, many potential purchasers would be put off knowing tenants are in place, and it would certainly reduce the value of any offers.


Remaining in the house and taking in a lodger would ease your cash flow, would not impact on property value, and the lodger can be removed with as little as 24 hours notice.





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