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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!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Eggie vs Halifax Mortgage charges (maybe)


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so can anyone say if i can claim back charges on my mortgage account? was just looking at a shortfall statement today and was horrified they put £105 as charges onto my mortgage account for january alone for being in arrears... if they have done that several times over the last 7 years then i wont be in arrears will i !!

 

any advise greatfully recieved.. ive been successful with other claims and was getting withdrawel until i saw this statement lmao

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They just refunded me every charge they ever made on my mortgage. Set up fees, payment fees, deed despatch - the lot. I just argued and argued until they got sick of me!

 

A D

[sIGPIC][/sIGPIC]"Another charge by the Bank?"

 

1st Claim (Current account)

30/11/06 WON! £3146.41

 

2nd Claim (Mortgage charges)

27/3/07 WON! - £277

 

3rd Claim (Credit card charges)

14/5/07 WON! £300

 

4th Claim (Old account 97-99 £444)

20/4/07 Prelim sent

9/5/07 LBA sent

Can't remember now but I WON!!!

My current thread - An A-Z - My previous saga

 

IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.

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Aaron

 

Did you send out to your mortgage company the basic SAR for the charges and if so did they expect the usual £10 charge?

 

Ta

PPMAN159

 

If this comment has helped please click on the scales.

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When I made my first SAR for my current account I had to chase them by phone on day 39. Chancing my luck I then asked for CC and mortgage statements as a gesture of good faith!!!! The mortgage statements turned into a nightmare which is in my current thread.

 

So I didn't pay for them but I would think if you were starting from scratch it would be reasonable to assume you would have to pay the tenner. Of course if it goes to court you get it back.

 

If you feel up to it you could always chance it like I did, look through my threads for contact names and numbers. The guy who eventually paid up was Iain Blackwood on 01383 426865. don't mention my name he'll probably hang up!

 

Looks like the sigs aren't working this morning so I'll paste it in.

 

1st Claim- 1/9/06 SAR sent

30/11/06 WON! - £3146.41

 

2nd Claim- 22/2/07 Prelim sent

23/3/07 Made them a final offer!

27/3/07 WON! - £277

 

3rd Claim - 22/2/07 Prelim sent

19/3/07 LBA sent

Been on holiday but picking up where I left off

 

My current thread - An A-Z - My previous saga

 

 

 

IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.

[sIGPIC][/sIGPIC]"Another charge by the Bank?"

 

1st Claim (Current account)

30/11/06 WON! £3146.41

 

2nd Claim (Mortgage charges)

27/3/07 WON! - £277

 

3rd Claim (Credit card charges)

14/5/07 WON! £300

 

4th Claim (Old account 97-99 £444)

20/4/07 Prelim sent

9/5/07 LBA sent

Can't remember now but I WON!!!

My current thread - An A-Z - My previous saga

 

IF THIS HAS HELPED PLEASE CLICK THE SCALES - THANK YOU.

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  • 1 month later...

30 days since sending SA and £10 postal order for Mortgage charges... they havent even acknowledged so i will be sending a reminder in due course, i will also phone the number AD has provided to, errr stir things up:)

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  • 4 weeks later...

ve got a £15 a statement fob off charge.. Arronsdad what did you do at this stage? or didnt you get a letter like this?

 

They have exceeded the 40 days legally allowed by a longshot, and i allowed them more time coz a person i spoke to said they had put my SAR in the wrong queue.

 

Shall i just pester them on the telephone like you did or shall i report them?

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  • 2 weeks later...

OK Aaronsdad, might need your input now, ive recieved all the info from the Halifax re my mortgages and ploughing through slowly.. did you request all your charges back including the deeds despatch fees? I note from above you mention you got it all back, how did you go about it? Thanks..

 

Oh and i took this mortgage out on 18 OCtober 2000, same day they added a higher lending charge, whats that and is it claimable?

 

 

Egg

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