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    • They won't have offered you a course when they sent the NIP because they don't know who was driving until you tell them.   If you are eligible for a course they will almost certainly offer it - irrespective of whether you've refused one in the past.  If they do offer you a course, I think you'd be daft not to accept it.  (I understand many drivers refuse because they think they'll be treated like naughty schoolkids, but apparently it's not like that and most people find them very useful and learn something new.)
    • Thanks. Sound advice again. I will tread carefully.    I have checked the first correspondence that they sent to me and there is no sign of an offer of a speed awareness course, I do remember being offered one a good few years ago but did not take that up at the time. That may be the reason for it not being offered again.     Looks like my only option now is to shut up and pay up.    Thanks for your input which is much appreeciated.    
    • Just about and card or loan clamform thread here You agree to mediation until the actual call on the day If by then you still dont have enough info to make an informed decision..you say no.   3 copies n180.  1 wit you
    • Think they would be silly to appeal as a more forensic look at VCS MO and shenanigans could turn round and bite Simon on the bum.
    • Experts are saying that the PM's roadmap is more about dates than data, the opposite of what he claims. He could be making a rod for his own back again.   https://www.theguardian.com/politics/2021/feb/26/experts-criticise-boris-johnson-putting-dates-covid-roadmap?CMP=share_btn_tw
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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

Thanks and sorry


Please note that this topic has not had any new posts for the last 5376 days.

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Thanks for closing my thread. Sorry I didn't kiss anyone's backside and you're refusing to help.

 

Thank you for helping me get as far as NW filing a defence.

 

I never saw this as free.

 

I saw this as a helpful site that I would GLADLY have donated to and recommended when this was over.

 

Sorry I don't have the money to do it beforehand, but then, I thought it was a free service.

 

I hope your ego is satisfied that I have to continue the rest of this alone and have my account closed whilst achieving NOTHING as I don't know how to continue. I never said I knew everything. If I did it wouldn't make sense for me to come here for information, would it.

 

I'm sure you will feel more smug about upsetting and worrying me like this than your frequent sarcastic comments at other people. Well done, feel proud of yourself.

 

I'm sure this thread will get "lost" in the system too.

But then again, what do I know?

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Guest Lueeze

Moderators put in 100% effort on this site, We don't get paid for it, we do it to show our appreciation to Dave and Bankfodder, and becuase we have experience.

 

I am sure you have had help in the past, and some new members probabally have had no input from a mod as yet as we are i so much demand.

 

I for one spend my day's behind the scene's answering literally hundereds of Emails from the "contact us" page, if people used their head a bit more, I would be free to help others who really need it, or are desperate or struggling.

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Clairus I followed your thread last night and tried to stand up for you, but this just isn't fair. It is a free service, except for the people who started the forum with money from their own pockets, which is why we ask for donations.

 

I haven't paid anything yet, because I haven't got anything back yet, so money doesn't come into it or what you pay. We are all here for each other and don't need people having a go if they don't like the methods used. Have you read the rules of the forum and what you can and can't post?

 

If you want help, then we will all try, but please don't have a go at us if you don't like the replies. Nobody means to offend.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks for closing my thread. Sorry I didn't kiss anyone's backside and you're refusing to help.

 

Thank you for helping me get as far as NW filing a defence.

 

I never saw this as free.

 

I saw this as a helpful site that I would GLADLY have donated to and recommended when this was over.

 

Sorry I don't have the money to do it beforehand, but then, I thought it was a free service.

 

I hope your ego is satisfied that I have to continue the rest of this alone and have my account closed whilst achieving NOTHING as I don't know how to continue. I never said I knew everything. If I did it wouldn't make sense for me to come here for information, would it.

 

I'm sure you will feel more smug about upsetting and worrying me like this than your frequent sarcastic comments at other people. Well done, feel proud of yourself.

 

I'm sure this thread will get "lost" in the system too.

 

 

If you read around the site all the information is there that you need. It takes time, but it's there. Good Luck with your claim.

12th May DPA sent to Natwest

17th May pre-lim sent £1241

26th May Full refund offered

27th May Accepted!!

on with next....

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Once again, a totally uncalled for and unwarranted attck on the very people that have helped to reclaim money already (£241.50 from First Direct).

 

You went from question to 'I give up' in the space of 7 hours yesterday, expecting personal, one-to-one assistance.

 

Your query on that thread was also answered, by me, before being closed. I'm not a solicitor or barrister, in fact I have no legal training or background what-so-ever. I just got up off my **** and searched for the answer - for you! Something you could have at least tried to do yourself....

 

I think this thread serves only to show you in a poor light.

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Don't know if I should comment on this as I didn't see the original thread but feel I should stand up and be counted.

 

As I understand it this site was set up by a group of people who decided that the people in the UK were being taken for a ride by the banks and felt that there needed to be a central point for help/advice, which they have primarily funded themselves. That is of course, forgetting the time that they put in, probably to the annoyance of their families.

 

A few weeks ago I thought I had really mucked things up - to the extent that I was half prepared to accept that I had 'wasted' £120 (which I didn't have) on making a claim. Thanks not only to the help that I received on this site...but also had words of support and encouragement from others making claims and probably as ignorant as me.....I carried on and today received a cheque for £2250 - ok not my full claim but £2250 more than I thought I would those few short weeks ago.

 

Yes it might be frustrating if you initially don't get a response but lets face it, this is more or less a self help group and as such, people aren't going to be sat by their computers - they do have lives you know! - just waiting for people to come and ask questions, which probably could be answered by a little searching.

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aww, i miss all the gossip! any chance of somebody filling me in? lol! send me a quote or something? just to say i dont think you as mods ever come across as sarcastic but sometimes a little sharp? but then its usually due to people who havent taken the time to 'LOOK' for the answers and therefore waste your very valuable time! i for one appreciate all you do so please dont be put off by these lazy, impatient people. i hope i havent offended anyone with my comments? Diane x:confused:

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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Ironically Clairus that's all it would have taken...

 

A thanks. And a sorry.

 

No money required. No donation necessary (however much appreciated).

 

A thanks for the information you have siphoned, the awareness and knowledge you now have, and the support you have received to date from both moderators and users.

 

A sorry for the rude, impatient, lazy, and presumptious behaviour.

 

There are 28,000 users... plus you. What does that say?

 

The sad thing is, when I first read your thread title, I was rather tickled by the thought that you had actually taken on board some of the previous comments and were genuinely posting your gratitude and apology.. Hmmm.

 

Anyway enough said, methinks that the genuine users and moderators of this forum have better places to post than here... therefore:

 

THREAD CLOSED (ONCE AGAIN).

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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Please note that this topic has not had any new posts for the last 5376 days.

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If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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