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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

Help - Defaults, CCJ's, Charging Order


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This is the first claim that I have ever made against a bank, I have learned a lot from the Forum and feel that I now have a basic understanding of the process.

 

Was made redundant not too long ago which was traumatic enough without Nationwide putting the boot in. Probably wouldn't even have looked into this if they hadn't been so obviously unhelpful and now they have charges for the last 6 years to be taken into account too!

 

Two Flex Accounts

 

Already sent S.A.R and have received copy statements and details on manual intervention, these arrived much sooner than I expected (actually only 8 days later! Is this a record?)

 

Have sent prelim non compliance as I have not received copy statements for period of time that I know Nationwide have made charges on my accounts.

 

Whilst waiting for complete details, could someone please help me with the following questions that I have?

 

Q. As part of my S.A.R request, do Nationwide have to provide details of CCJ's and resultant costs, or do I have to approach Eversheds (their debt recovery company) for the information?

 

Q. I will be looking for the defaults and CCJ's registered on both accounts to be removed, do I use the standard default template and amend it to include CCJ's.

 

Q. Nationwide have also made a charging order against my property in regards to one of my accounts, how do I go about getting this removed?

 

Q. I will be looking to reclaim the court costs resulting from CCJ's, how do I do this and can I apply contractual interest at the unauthorised rate on these charges?

 

If you have any further information pertinent to cases involving CCJ's, charging orders I would be most grateful.

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Means the same as "bumpety-bump"!...lol...:)

Just adds a post to the Thread, to bring The Thread back to the TOP of a Forum Board.

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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  • 2 weeks later...

Have calculated unauthorised rate of interest and decided to make seperate claims for each account to keep within the 5,000. About to compose my Prelim, can anyone point me in the direction of a recent template that makes mention of interest that is being applied (the one in the templates doesn't)? Thanks.

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