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    • Okay – effectively then it was installed by SCS. I was just a bit concerned that if it was installed by you or by somebody you had employed to do it, that this would give SCS a hook upon which to deny liability on the basis that the problem was caused by an installation issue rather than a product issue.   So I suggest:     Check this letter and see if you agree with the contents, if they are correct – and if you understand what the letter means. The most important thing here is that you are asserting your statutory right and that was of your position. Additionally now I think you're going to need to make your own arrangements to get an independent inspector to look at your carpet and to prepare their own report.  Don't put your report in hand yet – until you hear from SCS but you should at least start making enquiries to find out who would be able to carry out an inspection and the cost.
    • Screenshot_20210124-095819_WhatsApp.pdf   I finally managed to find the N180 forms. what should be my next step now?
    • Got let out of hospital late last night   It's progressed to a chest infection so I'm on antibiotics, my platelet count is low and my blood sugar was at 3.4 so I ended up full of sugary stuff   I'm on bed rest until further notice but that bored I want to go back to work
    • You couldn't make it up HB, but they need an EU presence, agent or EU based company to facilitate import into the EU some points on Richard North's blog   http://www.eureferendum.com/blogview.aspx?blogno=87860
    • Looks like they have just sent out any old thing without checking it properly, or just installed Windows etc, without making sure it all works.  Windows 10 is a pain sometimes, maybe the laptops areen't powerful enough to run it either.   Then there is the question of the Internet access. a whole other potential world of pain for poor families..
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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

MrMugs Vs MBNA/Virgin


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Hi, thanks for looking in,

 

I'm finally getting round to go about claiming charges back from an old virgin MBNA card and just had a couple of questions:

 

1. I still have every original statement sent to me so do i just calculate all the charges from these and jump straight to the "prelim letter"??

 

2. Does anyone have the link to the small claims court in northern ireland?

 

Thanks for any help

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Hi, thanks for looking in,

 

I'm finally getting round to go about claiming charges back from an old virgin MBNA card and just had a couple of questions:

 

1. I still have every original statement sent to me so do i just calculate all the charges from these and jump straight to the "prelim letter"??

 

2. Does anyone have the link to the small claims court in northern ireland?

 

Thanks for any help

 

Hi there, welcome to the MBNA Haters Club!!!

 

Well done for keeping your statements! That is a great help to you. Yes, calculate your charges and contractual interest (sorry if you know this already, but this is whatever they are currently charging you, be it 15.9% or 29.9% or whatever). Use the advanced Excel spreadsheet.

 

Then go straight to Prelim. You need to be prepared to enforce, they are really messing about now.

 

I am sorry, I can't give you the link you asked for, have you done a site search, or worst way, Google it!

 

Good luck and keep us posted.

 

Regards,

 

Corn:)

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CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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