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    • this is what she has sent me, thanks 145520979_167443335146679_6745638547406811238_n.pdf
    • she hasn't admitted ever she was at fault to anyone
    • thank you, apologies if it seems muddled up, I don't really understand it my self tbh.. she called AX and they are trying to contact admiral but haven't received a response from them yet.   she said it wasn't her fault, he shouldn't have pulled out as it was her right of way, he should have waited until she passed.    she has said to AX today, why arent you fighting my corner,  they said "She said its a difficult one because there refusing liability and without evidence were stuck."    what does she do?
    • Well not a law just guidelines...   But...   Complaints Complaints about firms breaching the regulations should be made to the Citizen's Advice national Consumer Helpline on 0345 404 0506** for onward escalation to Trading Standards. **Calls to 03 numbers count towards inclusive allowances on landlines and on mobiles, or are otherwise charged at "geographic rate" - the same as calling an 01 or 02 number.
    • why don't you or she describe how the accident happened carefully here and maybe with a couple of simple but clear diagrams so that we can understand the situation of course it would be much simpler if your sister could get involved in this thread and give us the information first-hand.  
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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

Question, more than one bank to claim from

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Hi I was wondering, I know that for each bank you have to wait until one claim is over and done with before starting the next one for the same bank to avoid them consolidating them and it going over the small claims limit, but can you do claims for different banks at the same time??? Thanks for any advice.

ABBEY Total £1277 First Claim £687 hearing date 6/7/06

BOS Total £1069

RBS 3/7/06 Statments arrived

NW Waiting on Statements Data Protection Act UP!!

SENT NON-COMP 28/6/06 sent letter to Data

Protection Act manager


Total £2286

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