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    • the only downside of not having a default registered and showing in the overall status of the debt is it's not 100% guaranteed it will (as it should) vanish on its SB date, you might have to chase that. but in your position, you've not moved, the bucket of 6's and on going 6 if you look hasn't made your score progressively decrease each month  either as it shouldn't.   just remember other creditors potential or existing cant see the calendar section of any debt unless they own it. they can only the status line of each 'account'.   HTH    dx      
    • Thanks for the replies. Have received another letter from LL solicitor, same form for secure tenancy notice of seeking possession. Now they have removed ground 10 and left grounds 3&4. am lining up an appt with a solicitor next week. All a bit strange as we had the fair rent agreed as a regulated tenancy. The LL has been through so many solicitors now it’s a struggle to keep up.   one other thing,  neither NOSP have been sent via registered or recorded post. The letter we have received (email only at this point) is comprised of a cover letter with ‘Without Prejudice’ at the top then a copy of the NOSP.  Does it have to be registered post in order for the notice to be seen as served?   will post back after solicitor appt btw cheers 
    • Thanks for all the feedback.. I'll add the suggestions to my WS and repost by next weekend.. I plan to send it no later that the first week of Feb as I don't want it to be late.   Just need to work out where to insert the extra bits.   Regards Tom
    • So in  a way, it isn't as bad as actually having a default?   Because if, as you say, it won't affect my score anymore as its already six months late, but also a default would be worse in the sense other lenders wouldn't look kindly to it, and it won't knock as much points off my credit file.
    • Hi Vic and welcome to CAG   It gets quieter here over the weekend so please be patient.   If you live in England or Wales, read this thread - https://www.consumeractiongroup.co.uk/topic/357877-you-have-received-a-court-claim-issued-in-england-wales-what-you-need-to-do/     Follow the instructions, copy the Q's and paste them to a post below and give your answers.
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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
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Express clearing charges scam?


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On Friday I deposited a cheque for £45,700. at a Nationwide branch into a previously set up flexicard account, zero balance; yet with working internet staement access. I was told that it would normally be cleared by Thursday.

I asked for it to be express cleared. They offered me a fast clearing service for £12.00, yet with no guarantees. They told me that they would mail out the cheque and phone me when cleared and the funds available. I paid the £12.00 in cash, expecting to have access to the £45,700 before Thurs. and hopefully on Monday. Today it is Wed noon, still not available. Is this service a [problem]?

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On Friday I deposited a cheque for £45,700. at a Nationwide branch into a previously set up flexicard account, zero balance; yet with working internet staement access. I was told that it would normally be cleared by Thursday.

I asked for it to be express cleared. They offered me a fast clearing service for £12.00, yet with no guarantees. They told me that they would mail out the cheque and phone me when cleared and the funds available. I paid the £12.00 in cash, expecting to have access to the £45,700 before Thurs. and hopefully on Monday. Today it is Wed noon, still not available. Is this service a [problem]?

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The way the banks "special clear" cheques is a lottery dependent on the vagaries of the British postal syste. At best it speeds up clearance by a day. At worst it can take longer than normal clearance.

 

Making a same day CHAPS payment can be just as bad. Abbey once took SEVEN days to process a CHAPS to another UK bank. Got £50 in compensation for that one which just about covered the costs of using their 0870 helpline to figure out what they had done with my £60k.

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The way the banks "special clear" cheques is a lottery dependent on the vagaries of the British postal syste. At best it speeds up clearance by a day. At worst it can take longer than normal clearance.

 

Making a same day CHAPS payment can be just as bad. Abbey once took SEVEN days to process a CHAPS to another UK bank. Got £50 in compensation for that one which just about covered the costs of using their 0870 helpline to figure out what they had done with my £60k.

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seminole, i would be really interested to know how it is possible to "express clear" a cheque.

 

due to various contacts in the profession, a cheque must obviously go through the clearing system - this cannot be altered.

 

many banks offer a "special presentation" service. This does not make the cheque clear any faster, but usually your bank can get a decision from the paying bank as to weather the cheque will be paid. This is normally dependant on the uk postal service, so again, nothing is guaranteed. This system is mainly used by business who, for example, are waiting to ship an order, but need to know if they will be paid.

 

If anyone has any information on how a bank can express clear a cheque, i would love to read it.

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seminole, i would be really interested to know how it is possible to "express clear" a cheque.

 

due to various contacts in the profession, a cheque must obviously go through the clearing system - this cannot be altered.

 

many banks offer a "special presentation" service. This does not make the cheque clear any faster, but usually your bank can get a decision from the paying bank as to weather the cheque will be paid. This is normally dependant on the uk postal service, so again, nothing is guaranteed. This system is mainly used by business who, for example, are waiting to ship an order, but need to know if they will be paid.

 

If anyone has any information on how a bank can express clear a cheque, i would love to read it.

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  • 13 years later...

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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Please note that this topic has not had any new posts for the last 690 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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