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    • I'm sorry but I don't have a lot of time at the moment. Please will you read around the other Hermes stories – if you haven't done so already. There are some suggested letters of claim in those. We don't have a template for this and I would suggest that you draft your own letter of claim and post it here before you send it. Also, make sure that you read around the forum about taking a small claim in the County Court and that you know all the steps. You can be certain that you will have to issue the papers. You can be certain that Hermes will ignore your letter of claim and they will only start taking you seriously once you have issue the court papers. This means that if you send the letter of claim giving them 14 days then on the fifteenth day you must issue the papers. Otherwise don't bother. Don't bluff. Be aware of your risk factors – which are that if you lose, then you won't get your money back and also you would have lost your claim fee – and if they push you to pay an allocation fee – which is quite likely – you will lose this as well. For the present claim fees and allocation fees, please have a look at the court services website. However you are probably looking at something in the region of about hundred pounds or so all told for a claim of this value. If you succeed then you will get your money back, plus interest plus your costs. We do our best to advise you here that you have to realise that the end of the day it is your risk. As I've already said, it is an extraordinary industry – because they will do it – which requires you to pay delivery fee and then if they don't carry out their side of the contract for some reason rather they don't have to offer any redress to you at all – often on the basis that you didn't ensure them against their own negligence. This is an extraordinary state of affairs. The whole industry does it this way and it seems to be a culture which has been accepted for a long time – maybe 30 or 40 years – so that now consumers think that that's the way it is. It's really quite surprising that this hasn't been directly addressed in legislation – but it hasn't. Instead you will have to fall back on the unfair terms provisions in the Consumer Rights Act. Post a draft of the letter of claim and we'll have a look at it later on
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    • but not related to this a/C  i bet the sar will reveal the real truth of what the balance really is made of.   even if this did result in a speculative DCA court claim. we don't lose many OD claims here.   dx  
    • yes they will and the contract if they request a further hearing.   .......................   n244 .......   i do not believe the claimant had a valid and paid for contract covering the year of the offence with the land owner or their agents.   i do believe the Claimant ANPR System had the relevant council planning permission to be used or erected on poles at the site.   i do not believe the Claimant signs at the site neither had the required council planning permission nor suitably conveyed the legal terms of any contract the driver at the time of parking could ever be able to agree to by reading them.   i claim the cost of my set aside fee from the claimant should i be successful.    
    • Hi   1. Have all seven residents complained officially to the Local Authority of the overgrown conifers and had a response in writing?   2. Were the Local Authority informed that the several residents were employing a contractor to cut back their conifer trees due to them being overgrown?   I would also suggest asking the contractor that carried out the work if they could do a letter for you explaining the work they carried out and the advice given about trimming as they remain the LA property.  
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SeasideSteve

NRAM Full and final settlement question

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I owe cicra £15k to Heliodor for the unsecured part of an NRAM together mortgage. 

The account is in good health having always been paid on time.

 

I will soon have redundancy money along with some savings to payoff around £12k. 

 

Is it possible to make a full and final offer on a debt that isnt in arrears? 

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What interest rate are you paying?


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send them an sar first.

get all the info.

 

who says it's not seriously inflated by heeps of charges.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Good morning both and thank you for taking the time to reply,

 

BF, my loan is delinked and so the interest rate is circa 12.9%.

 

I have read up on the site about SAR and will follow the steps,

Im assuming that the timescales will be longer due to the lockdown.

 

Just one question, I have always paid ontime and the account is in a good state.

 

With this in mind, is the SAR likely to uncover anything useful? 

 

 

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On 29/05/2020 at 18:26, dx100uk said:

who says it's not seriously inflated by heeps of charges.

 

^^^^

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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At 12% I would pay it off, you will save a lot in interest and you will have the extra every week, which would have gone to your loan.

 

We had a similar decision to make last year, but chose the opposite course. Our mortgage was jut under 2% though and a three year Nationwide bond would give me 3.5%, so we put our money in there, for now.

 

Yes you can always do a early settlement, and they will refund your unpaid interest from the final bill. Ring them and ask for a settlement figure.


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Ive worked out that I will save almost 50% paying it off early.

 

Ive submitted and SAR, playing the waiting game now. 

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