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    • Someone that specialises on the subject might be a better way to put it. 
    • 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
    • I have now received some interesting responses....   Firstly - Lowell have sent a without prejudice letter offering a settlement of £3750 for a single payment or £4000 payable in instalments of £50pcm   Second - Lowell also sent a previous letter with the copy of the agreement saying it was the one they filed to court in 2018.  However I have not yet had it acknowledged from the court that they received a certificate of service for this.    Third - The court wrote to me today from the proper officer stating a video hearing will be heard 14 May 2021.    Dealing with each one in tern, I see the court hasn't responded to my email asking them to strike out the claim on the basis that Lowell haven't adhered to the order and that I haven't received the original documents and have now set this hearing date.    I note Lowell are willing to take an offer which is of interest. However I am inclined on the costs issue and trying to 'get rid' of the matter as cost effective and expediently as possibly to make a counter offer (at what level I am not quite sure yet).    Is there a letter template to use to draft a settlement or something that I can use to start with?     In Lowell settlement letter they are claiming it is not statute barred and that a payment was made to them for £200.  I have tried to go through everything and all I can find with the help of Santander who were my bank at the time, is a payment of £200 paid to Lloyds, but this does not have a reference on it only a s/c and a/c number.    How best is it to proceed?   Court Order 22_02_2021.pdf Response to Order.pdf Offer Letter.pdf
    • yes I have conversed over email and sent them forms both in email and by royal mail, firstly with erudio, then they sent it to capquest, then it went back to erudio and now with shoosmiths for a few years now.   And yes they are well aware of my correct and current address, I have only ever moved once since the loan and that was before Erudio and it was all plain sailing with Saas/slc.
    • 2 days now and the insurers have done nothing - just making it much more stressful.  
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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.
       
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      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
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Council tax benefit


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I’ve applied for council tax help, but I’ve been refused, 

 

Our UC is 2424.24 before deductions after we normally get 530, if rent and advantage was not there it would be 1299. 
 

today they sent an email saying they only take 831 and the carers element of 291 out of it, so I should get 1300 a month which is correct, but we have the rent paid with the UC 

 

My partners wages are different each month but they say even with 1300 we not entitled to any help, I’m lost as we don’t see the £1300pcm we only get roughly 530pcm my patented only ever gets 1600 pcm in wages max. 
 

I can’t find a breakdown of what is ment to be used for it as when I do entitled to and the councils own calculator online it says we entitled to £25pw to help 

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Hi,

 

The true experts in this field will be along as soon as they are free.

 

As it is the Friday and leading into the weekend, responses may be slow as everyone is with families etc.

 

The Council should have provided you with a breakdown of the financials and how they reached their decision.

The letter should state that you can take it to an independent tribunal but await others who are more knowledgeable. 

 

Your UC online statement should also show how much your are paid for your Housing Benefit.

 

I am replying because we are having the exact same issue as yourself with our local Council.

 

Stigman

 

 

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Thanks, nope no breakdown they don’t Bother just an email to say bill is now due.

 

my HB is paid direct to landlord from UC if love you have 1300pcm it would be a huge help, but we don’t and it seems since Uc came in it’s really messed this up! 

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You need to ask for a breakdown of figures of how the Council came to their decision.

 

Once received you can ask the Council to review, make sure you point out the errors in plain childproof English as Council workers are not employed for their intelligence! and if not ask them for a deadlock/final decision letter to take to the independent tribunal.

 

Stigman

 

 

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Will do thank you! 
 

ive been told on phone the following

UC Mac award 2424.15, they only deduct 831.78 and 291.42 for carers they then add my partners earnings on 1612 and the carers allowance of 67 a week, 

 

ive asked for a full official breakdown 

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To be fair call ‘em again they might have a different story. The nice lady at my local council told me they were really sorry but the system is completely messed up and the figures keep changing for many people every month. I’ve had 3 revisions of my C/tax bill already.

 

As a practical advice I recommend you contact your local elected councillor. You should be able to Google their mobile / email details.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 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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