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    • "The lady doth protest too much, methinks"      
    • There isn’t any discrepancy’s whatsoever this will be my final comment and then I will deal with this matter with the admin of this website and I will make sure justice is served.   Clearly you are not a police officer so you are not sure how this all works , however it does not need to be explained I have given my advice so that matters don’t blow out of proportion and people aren’t prosecuted legally, however if you are not interested in listening to what I have to say then by all means the law will deal with you.   I ask you to be prepared for a visit by West Midlands police I can assure you if you carry on posting pictures of a underaged child on the internet you will be arrested and prosecuted this isn’t blackmail it is against the law to post pictures of someone under the age of 18 online without there consent this is the LAW right now the LAW is being broken therefore there will be consequences I shall not be replying and will make sure matters are dealt with correctly.    Thanks.    
    • Just so I'm clear then, are you posting here in an official capacity on behalf of the West Midlands Police? There's no reason for you not to answer that.
    • The discrepancy in your comment is the fact you stated you worked for the west midlands police and you then later went on to say you would report this website to the police, please explain why you would report a forum website to the force you work for? Would you not investigate it yourself?    You have also failed to acknowledge the complaints of all the victims of this individual who you claim is a 17 year old child and could not have been capable of doing any of this, so what you’re saying is that none of these fraudulent and evasive crimes were committed and that we should remove all findings due to you individually going out of your way to go to the suspects family home and not getting in touch with any of the victims about your findings, instead you, an alleged member of the police force, has come onto this forum website to disclose information about your investigation?   You, an alleged police officer, have also blackmailed the members of this forum to remove their findings or you will threaten to prosecute, is this how prosecution works?   I look forward to hearing from you LouiseAnnMarie
    • Hi ,   I don’t need to correspond with everyone who messages I will only liaise with the admin of this website going forward, I have tried to be fair and help by asking to keep personal information pictures etc of a underage child of the internet as this is against the LAW and will create many more serious problems   However, answering your question   I deal with all aspects of cyber bullying / online crime. 
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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

am i claiming back eveything i'm entitled 2?

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i am just getting ready to send my L.B.A off but before i do i just want to make sure i'm claiming the right things at the right point.

i have made a claim for all bank charges, along with interest while being overdrawn.

however i have read on some threads something to do with contestinal (i think thats what it is called) interest, i understand this is not the 8% intetrest, i know you claim this back if or when you make a claim in court. no, i'm on about another intertest at a rate of your bank APR????

am i to add this on to my claim and if so is there a spreadsheet to do this on in the library????

thanks so much to any1 who can help little old me:rolleyes: :lol:

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Hi caj,


You can claim contractual interest (the Bank's APR) but you need to include this from the start - you can't just add it to the claim half way through. If you wanted to try and claim contractual interest you'd have to start again with an initial letter, thus putting you back 2 weeks. Contractual interest can make quite a difference to the size of the claim, but can also complicate matters further down the line so think carefully about it. There's lots of info on the "A new way of looking at interest" thread in the general forum

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Guest louis wu

Good point Rob.


Caj, you need to be really sure about contractual interest, and that means knowing it all before you begin the process.


Thats not to say you shouldn't do it, but its something you need to decide on now.


Best of luck and let us know whats happening

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hi louis wu!! i've decided NOT to go ahead with the contracual interest. i think i was just being greedy 2b honest. i wouldn't know were 2bgin with it all. thank you soooo much for your reply. i have tried looking up all the details and it really is difficult 2 understand.:confused:

thanks again.

i sent off my L.B.A today with a normal S.O.C without the 8% as i am aware that this is added only when you put your claim before the courts!!!! :o

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