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    • 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.  
    • Pretty sure you are correct its not by royal mail either they are well aware of you correct and current address? so I'd ignore them.   Did you converse by email previously?? And or send your forms via email? Or royal mail?
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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
      • 31 replies

We need to make some money - comments please


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Guest Alison82

If everyone donated you guys £1 or even 50p you would be sorted, If you have a pay pal account it could be done instantly!

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Definitely a donate button. What have you got to lose.

Ambivilant about affiliates. No problem, as long as they're not intrusive (especially no pop-ups). I'm reasonably solvent and am only claiming £90, so for me it's just a good bit of sport and if (no,when) I get the money I will certainly be donating. I'm sure that anybody who is in a position to donate will do so willingly. Make it happen and just watch the money roll in!

Keep up the good work.

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A donate button sounds great. not sure about affiliate programs though. Could you try using just the donate button first, to see if that raises enough revenue? IMO the less this site has any links with commercial organisations the better.

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Agree with you HD, the donate button sounds like the best idea.

 

This site has done an awful lot of good for the underdog in general.

 

It must be quite urgent to get this going now that there are so many people being helped.

 

Probably the only other way to go is a subscription, but that would hit those people that really cannot afford it.

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Yeah - there's no question of a subscription fee, we will not be doing that.

 

I think the donate button and we've been toying with the idea of legal book reviews - BF will do a review from a legal perspective and I will do one from the laymans eye. The books we'be bought so far have not only helped this site - it's helped me when firms phone up for payment of things or try to get away with not telling me which firm they are under the DPA - I now know that they are lying and can get what I want from them by quoting my rights - all learned from the books.

 

Then, if anyone wants to buy a copy (from Amazon) then we would get 10%.

 

That way, at least we're working for the money ;-) (like we're not already!!)

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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Yup The donate button sounds the better option, I always intended sending a donation once my money was refunded.

Way to go lads/lasses you are amazing and I owe you all a huge debt.

The money I am seeking is only £200 but if I can find a way around the 6 year rule it will be thousands and then boy will I donate!!

:-)

Lloyds tsb current acc.

5/4/06 Data Protection Act request sent.

25/4/06 Received information

25/4/06 £202 owing requested back with Prelim letter sent today.

Refusal of refund.

9/5/06 Moneyclaim started.

13/6/06 28 days expire with money claim.

8/6/06 defence received.

Won!!! 18/7/06 PAID IN FULL!!

Lloyds tsb credit cards. mine + husbands

5/4/06 Data Protection Act request sent

30/5/06 statement received and prelim letter for refunds sent.

9/6/06 my refund request refused.

Lloyds credit cards moneyclaims filed today 9/8/06

Claim no: mine 6QZ53185 acknowleged 11/8/06

Claim no:husband 6QZ54192 acknowleged 17/8/06

My claim 6QZ53185 court allocation questioner received 13/09/06

WON!!! 10/12/06 £303

;)

Husbands claim 6QZ54192 court questioneer received 23/09/06

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As I suggested a few weeks ago, why can't the site join Google Adsense. It's ads are based on keywords on the page, so hopefully some banking ads will show up....click on their ads and the bank has to pay google for it lol, a roundabout way for us to really cost the banks a lot of money !! I for one would click on Lloydstsb adverts for an hour a day ! this site would earn loads, the banks would pay loads (but delete this message when you sign up to it)

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Then, if anyone wants to buy a copy (from Amazon) then we would get 10%.
Is that only for the books that are reviewed on the site here? Or can you manage to get 10% on any books bought on Amazon when linked from here? That could provide a lot of money to support the site with.

 

Still up for a donate button.

 

Neil.

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Referral payments are paid for any purchase made from a link on this site. So clicking on a (for example) book ad and buying a totally different DVD would still make the site money. Amazon do totally random ads that don't relate to content too, best sellers etc.

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I think you lot are truely amazing especialy the AD'S and the MOD'S and you deserve every single donation you get and more.

Must admit I would not be here if I would of had to make a donation on joining the site. What captured me was the information available and the comradship on the site, that sold it to me.

I guess most people want to contribute in one way or another, I know I did. So what about a gentleman's agreement on joining the site that you will make a donation once you have got your charges back or anytime up to then.

This would then be along the lines of " No win no fee ".You could have the catch phrase

" CHARGES BACK CELEBRATE, NOW IT'S TIME TO DONATE "

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When did the donation button happen - I just noticed it - finally - an excellent feature for an excellent site.... :)

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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Ooh, this is too funny - I just used it and it'll send a debit to my Halifax statement saying :D:D:D 'Consumer Action Group' - YES!!

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

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Bloody hell - you lot are QUICK!!!!

 

BF and I have been on the phone together for about the last 2 hours and have finally agreed to the Donate button and it went up about 10 mins ago!!!!

 

Bloody hell - I thought it was discrete!!!!!

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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:) After all the guidance and encouragement we have found here, my wife and I will be more than happy to give a donation ~ it will unfortunately have to be a small one ... initially ... but :smile: hopefully soon we can give more!

 

You guys deserve it!

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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