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    • I am investigating him still, but have this information so far: Junaid Sajad  Home address - 101 Vibart Road B26 2AB  or  165 Kelynmead Road B33 8LF - this last one was an address that he gave last night when I got a friend to pretend to want to view a car. He’s certainly a slippery devil!
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    • It's because of the 2nd EU Payment Services Directive which came into effect in March last year which requires companies who deal with online payments, accounts etc to authenticate the customer using their mobile phone to reduce fraud.   I live in a rural area with no mobile signal and it became impossible to function without being able to receive one-time security codes by text to open & access banking and investments accounts so I had to change my network to one that had wifi calling.   It's a fact of life that mobiles have become a means of identification. Obviously a lot of older people don't have mobiles which is a problem for them and ironically you can't even open a SAGA savings account without a mobile number.       
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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

CitiFinancial Europe PLC


Please note that this topic has not had any new posts for the last 5388 days.

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Sent DPA and received statements and calculated charges at £60 in respect of returned direct debits on a loan. Sent letter requesting repayment and received the following from CitiFinancial:-

 

" On 5th April 2006 the Office of Fair Trading (OFT) issued a statement regarding the default charges levied by credit card issuers for breaches of contract and have recommended that credit card issuers review their position and respond to the OFT by 31st May 2006.

 

We would respectfully point out that the OFT's direction specifically relates to credit card issuers and not to loan providers.

 

Notwithstanding the above, we believe our charges are fair, transparent and lawful and have been applied to your account in accordance with our contractual arrangements. Accordingly, we are not prepared to repay the sums requested.

 

We trust that this letter clarifies our position on the matter."

 

I never mentioned anything in my letter about the OFT and although the sum is not great, a Letter before Action is on its way. They have obviously never read this site!!!

Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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Response to LBA - "I have reviewed your letter and would refer you to our previous response which is our final response on this matter."

 

I don't think so! - wait until they get the Small Claim summons from the court!

Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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  • 12 years later...

This topic was closed on 11 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Royal Bank of Scotland - Settled - Full Amount

GE Money - Settled - Full Amount

Tesco Personal Finance - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Settled - Full Amount + Interest + Court Costs

Clydesdale Bank - Pre June 2005 Charges - Settled - Full Amount

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Please note that this topic has not had any new posts for the last 5388 days.

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