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    • The repossession people didn’t even knock on my door, I was home with my 2 children we would of heard, They took my car with bank card, shop keys and valuables in which I needed, if they had of knocked I would of sorted the money while they were there.    I will check bill of sale when I am back home will it be original one or should I have got another one?    as the paper work I have certainly doesn’t match. I did agree to lower amount but expected new paper work to sign which never come.       
    • yes sorry i was confused that you had managed to get anything out of the administrators. we've not seen that and was surprised by it read that way.   your credit file is clear Conexus Recovery and Field Services Ltd - can be totally ignored. 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..
    • An online news and information service for the UK’s commercial and consumer credit industry. View the full article
    • They are very nonsensical aren’t they? As far as I can tell they have no proof of ownership of debt whatsoever - it feels like they’re just hoping I cave in 🙈   I’ll get onto the CRA’s now - thank you 😊 
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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
      • 33 replies

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Thank you for this update.

I'm interested to see that already they say that you should be required to compromise. Please look at some of the mediation stories here and the advice that we are giving in order to understand what we suggest should be your position in respect of compromise: we suggest no compromise.

The compromise is that you will not insist on going to court. You will not put them to additional expense of dealing with a full hearing. You will not hold them up to the very serious risk of losing the case and obtaining a judgement which you will then publish over the Internet.
That seems to me be a big win for them – and that is quite good enough.

Let us know when the mediation day is because I don't think you've told us. Read everything thoroughly and then ask us any questions.

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Anyone in the UK can issue a claim through MCOL...you do not have to reside in England to use the service.....as long as you have a UK Address and the defendant resides in England.

Yes, of course we wish you lots of luck. Please keep is completely updated – but also if you get any questions or anything you're not sure of and let us know. Make sure that you got a good s

You can't request a hearing in Scotland because you issued the claim through MCOL under English Jurisdiction.So you either attend the defendants local court....or request a remote hearing or inform th

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