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    • I’ve been getting debit collection letters from a number of diffrent companies but I don’t recognise any of them. So I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help. It just lists the debit collection company and the amounts they say I owe them. The amounts are staggering. now I was caught out once before by a debit collection agency saying I owed money but not who to and I just paid it. It wasn’t till after this that I found out that some agencies just send letters demanding payment for a nonexistent debit. On my credit report it says I owe money to the debit collection agent but there are no records of any original debit. no unpaid loans or credit cards.  so what do I do? I had a serious brain injury so I have memory problems and some untreatable mental illness. Thanks for taking the time to read this.
    • Hi, I’m sorry I haven’t replied sooner and that I wasn’t clearer. The situation is this.  I had a pay as you go sim and wanted to change to a VOXI pay monthly account. the guy on the phone said I’d need a new sim that would be a standard pay monthly sim. He told me that once I got the sim then I could call and have it put on a VOXI account. So. I agreed but at some point in the,long conversation after he ordered the new sim he said that infact I didn’t need a new sim and could just change my pay as you go sim into a VOXI sim. so he did that. I assumed that that was the end of the matter. I had done what I set out to do. And didn’t think about the ‘new’ sim because it was not needed. I assumed he had canceled it because it was not needed. then in January I get a letter saying I was behind on my phone bill. so I called them and that’s when I found out the ‘new’ sim had been ordered but never arrived .
    • Demand for uniforms, computers and household accessories rose after plans to ease lockdown were published. View the full article
    • Hi    Thank you for answering my questions.   As you have not contacted Goskippy about AX stating they were acting on there behalf you need to contact Goskippy urgently and ask them to verify that AX are acting on there behalf. (you need to know if what AX stated is correct)
    • His personal wealth soared as the video conferencing platform became a household name during the pandemic. View the full article
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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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
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First of all this is my very first post (just joined).


I listed a full size computer case,  coolermaster c700p,  on gumtree for £150, someone was interested but required postage as they were some 350 miles away,


having used parcel2go many times for smaller parcels, decided to get a quote, due to its size and weight roughly (H650mmxL600mmxW60mm) (23kg)


it was just over £50 with Parcelforce, which myself and the buyer would go halves, I also chose to insure it for £200 and pay the extra fee, buyer agreed and he paid by banks transfer £175,


 I proceeded to package the case, I first taped the 2 side doors/panels shut, then wrapped bubble wrap around the case, 5 times around and the top/bottom roughly 2 inches of bubble wrap,


I then wrapped around the sides a layer of Bubble Quilt, larger square bubbles, I then put roughly another 2 inches of bubble wrap in the bottom of the box, put the case in the box, then padded out the sides, then the top


I added about 4 inches of brown packing paper, then sealed the box and wrapped in tough black plastic and printed fragile, do not stack stickers on the box.


It was collected on Friday the 8th jan and delivered on mon 11th,


however the buyer contacted me to say the case was damaged, added are some images of the case before I packed it and how he received it,


it's difficult to understand how or what caused the damage, as one of the pics of the front, it had what looks like parallel groves, like a forklift or something caused it,


I have put in a claim, providing all the images, around 20ish, the original purchase receipt,  the gumtree ad screenshot, and a screenshot of the bank transfer, however they have asked for proof of value twice,


 Document Rejection Reason
Proof of value – What we need as proof of value is the financial transaction. This can be a purchase receipt, bank statement, eBay auction screen shot showing the sold item in “MyeBay” or a transaction page from Pay Pal.


Unfortunately, we cannot accept any hand-written receipt or a word document stating the value.


Which is why I've provided a screen shot from the banking app.


They can clearly see it wasn't damaged before shipping, but the state of it when he received it, it was clearly mishandled.


What would you suggest next if they either want proof of value again or deny the claim for whatever reason.


Thanks in advanced and sorry for the long post. 

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Numerous pictures removed

Please put them all in one multiple page pdf 


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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Please can you put up in PDF format – simply the documents that you are relying on as proof of payment. Redact them for account numbers et cetera.

We don't need to see images of the damage et cetera.

I understand that you are trying to recover £150 plus the delivery costs including the insurance cover – is this correct?
What is the total value of this?

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