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    • Hi Guys   I really could to with a bit of advice.   I have used the surname A (we will call it that to help with the explanation....lol) all my life. Name A is on everything i need my name for on a regular basis (my birth certificate, driving licence, bank accounts, utility bills, doctors....etc).   Now as a child my mum remarried and thought it a good idea in all her wisdom to ask the school to put a name B on my file.   So when it came time for my national insurance number came it had the name B on it.   Inland revenue said that there wasn’t a problem with this as long as i never try and do anything fraudulently (trying to obtain benefits in two names…etc) but later in life there was a few problems with ID not matching, so I spoke to a solicitor and they wrote me out a stator declaration stating that the person with the surname B and national insurance number is the same person as the person with name A.   This has always worked perfectly with any issues that arose up until I applied for a passport.   Now on to my actual problem….   I’ll try and keep this a bit shorted as the passport office has constantly messed things up and either contradicted themselves or apologised.     I applied for a first UK passport and as I’m English and fall within a certain age bracket all I had to send them was a form filled in by someone that has known me for a number of years. I sent this off and received a letter stating they needed more information and I needed to contact them. This then turned into the actual decision maker calling me back the following day.   She said that because I had put that I had been known by name B once that they would need to see that I have changed my name to name A.   After explaining the situation with her about name B and that there is nothing really that I can change as I only use name A, she requested that I send in my birth certificate so she could complete the application.   I sent this in and had a repeat letter from them saying they needed more information and I had to get the decision maker to call me back again.   This time she said she would need a stator declaration to explain the name. I said I have one of those (I actually forgot I had it until she requested it) but explained that it wasn’t a change of name and just explaining that the person with name A is the same person as name B. she asked me to read it out word for word to make sure it had the right heading…etc and said for me to send in the statutory declaration, driving licence a bank statement and a recent utility bill.   I sent this all in and guess what…… I get another letter saying they need more information.   So we go down the same route with a call back only this time she says she wants a letter from HMRC in the name A and a statutory declaration stating I have changed my name from name B to name A.   I reminded her about the situation with the names and explained that HMRC say there is not a problem with my name and that I would in effect be lying to a solicitor as im not changing my name to name A because its already name A.   She then completely changed her tone and started going on about me also needing to sit an interview…etc (that I expected anyway) and that if she was to give me a passport then there would be nothing stopping me from getting a passport in name B. I then said ok ill go ahead and have the passport in name B but she said a letter from HMRC is not enough to get a passport.     This has gone back and forth with different departments and I had to make a complaint (even that was a problem because I had normal representatives claiming to be from the complaints department so they didn’t actually open a complaint).     It’s got to the point now that I need to get the ombudsman to step in.   I had a consultation with solicitor that agreed that I’m completely in the right and said went down the lines of the fact that it’s not a legal requirement to have name A with HMRC and it can be presumed that I am going to do something fraudulently. And he likened it to a woman that has got married and can use her maiden name as well as her married name (there’s not one rule for one and one for another as this is discrimination).   I need to send something off to the ombudsman so I was wondering if there was some legal stuff I could quote?     Thanks for any help given and sorry for the long post….lol
    • The bigger arguments were   You need to stay in the UK to stay in the EU - and the UK would veto Scotlands entry - they cant now   Currency - you cant use the UKP - many arguments contrary to that and Scotalnd could easily choose dual currency - rather like the english and scottish fivers   Finance - For starters: * Kick the nuclear subs out and access the gas and oil and fish in those Scottish waters for a 10 year plus boom with no England interference and bleeding dry - as Scotland gets established in the EU * Fishing (in agreement with the EU and Norway etc was always more important to scotland and the tocks are moving North * Become the route from Ireland and the US to the EU - ask Dover etc how profitable that was *** Demand a full breakdown and legitimacy of the part of the UKs debt they might be expected to share - including the 100billion chumocracy payments .. if England dare ask   Hows that for starters?
    • They never included statements.  Just a list of each loan.  Date taken out and amount.
    • Hi.   As far as I can see, you haven't read any other private parking threads to understand how this works. If you don't mind my saying, you need to read more threads so you grasp the whole process.   HB
    • Is there any point in leaving the defence for a lengthy period other than necessary for its  preparation? Or is it better to get it done as soon as I am able to?
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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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
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petedoyle vs capital one


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hi folkes, i sent off my claim to cap one a few weeks ago with SAR, the charges only amoutn to £243.00, i have requested they pay me back in full, sent them the LBA and they sent me back a letter saying they are refunding me £80 to my account (whihc i would see on my next statement) and that the remainder of the fees they have reduced from £20 to £12 to come in line with everyone else...blah blah.

 

i sent them back a 2nd letter sayign i would accept the £80 as part payment of the £243, they then sent back a letter sayign it was their ful and final offer and they are not prepared to increase it!!

 

1. i think its a bit cheeky them refunding me withought consulting me and just goign ahead with it??

2. also the drop in charges from £20-12...whats that about?

3.is it worth me carryign on my MCOL???

 

i have done other claims for larger amounts, but dont know if i should pursue this claim? any advice or people have something similar happen to them with capital one?

 

also my wife has store cards with BHS/HOF - both go through GE Money - can she claim the late charges for that too?

 

btw - i am keeping up my repayments and in fact the card has a £00.00 balanace at present - im all paid up! :)

HSBC BANK

** DECEMBER 2006 - RECEIVED CHEQUE FOR FULL AMOUNT!!!! ** £5967.00:)

LLOYDS TSB

**JANUARY 2007- RECEIVED CHEQUE FOR FULL AMOUNT!!!! ** £1340:)

HSBC BANK - Managed Loan/Interest

still chasing, have submiited claim thru MCOl - date sent to my local court - claim is going ahead Jan 29th 2008 :(

CURRENTLY CHASING

NATIONWIDE (WIFES ACCOUNT)

HSBC (managed loan)

others won:

CAPITAL ONE C/CARD (mine & wifes), :)

BOXCLEVER TV RENTAL, BHS STORECARD, BLACKHORSE FINANCE,HSBC PPI INSURANCE FOR SBL, PPI INSURNACE FO LLOYDS TSB LOAN,

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hi folkes, i sent off my claim to cap one a few weeks ago with S.A.R - (Subject Access Request), the charges only amoutn to £243.00, i have requested they pay me back in full, sent them the LBA and they sent me back a letter saying they are refunding me £80 to my account (whihc i would see on my next statement) and that the remainder of the fees they have reduced from £20 to £12 to come in line with everyone else...blah blah.

 

i sent them back a 2nd letter sayign i would accept the £80 as part payment of the £243, they then sent back a letter sayign it was their ful and final offer and they are not prepared to increase it!!

 

1. i think its a bit cheeky them refunding me withought consulting me and just goign ahead with it??

2. also the drop in charges from £20-12...whats that about?

3.is it worth me carryign on my MCOL???

 

i have done other claims for larger amounts, but dont know if i should pursue this claim? any advice or people have something similar happen to them with capital one?

 

also my wife has store cards with BHS/HOF - both go through GE Money - can she claim the late charges for that too?

 

btw - i am keeping up my repayments and in fact the card has a £00.00 balanace at present - im all paid up! :)

 

Hi petedoyle check your card if they have not put money in then just go on with claim as is, if they have put money in then I think you will have to amend claim.

 

I am sure if I am wrong you will get further posts

I have just filed my N1 Monday after I got the same letter £269 on £1600 claim. I sent will accept as partial payment got the same will not increase offer so I took that as they wont and carried on.

 

all the best dpick:p

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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thanks mate, got a letter on saturday sayin this is the full and final offer and they wont be refunding any more money. it also signs off saying:

 

'financial regualtions require me to advise you that this is my final repsonse in relation to this matter, however you know have the option to contact the FO Service within 6 months form the date of this letter'.

 

is this their way of fobbing me off? so shall i go ahead and try to claw back the other £163.

 

is there a chance they will close my card down after this - has anyone else had this happen to them?

HSBC BANK

** DECEMBER 2006 - RECEIVED CHEQUE FOR FULL AMOUNT!!!! ** £5967.00:)

LLOYDS TSB

**JANUARY 2007- RECEIVED CHEQUE FOR FULL AMOUNT!!!! ** £1340:)

HSBC BANK - Managed Loan/Interest

still chasing, have submiited claim thru MCOl - date sent to my local court - claim is going ahead Jan 29th 2008 :(

CURRENTLY CHASING

NATIONWIDE (WIFES ACCOUNT)

HSBC (managed loan)

others won:

CAPITAL ONE C/CARD (mine & wifes), :)

BOXCLEVER TV RENTAL, BHS STORECARD, BLACKHORSE FINANCE,HSBC PPI INSURANCE FOR SBL, PPI INSURNACE FO LLOYDS TSB LOAN,

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Hi cannot help regarding closure on card my card is well shot all ready, have gone to court via N1 they have till 4th July to reply to court.

 

all the best dpick:grin:

  • Haha 1

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

Link to post
Share on other sites

Petedoyle

They just cleared my account over 900 quid and sent me a cheque for the £100 which was over the top, they still owe me 94 quid ( I paid for £50 June & additional interest) so I wrote and said if they don't pay it I will continue the claim :D

 

So stick with it. They made me 3 offers all of which were full and final, until they put in their defence!!!:rolleyes: So they DO PAY and they haven't closed the account, the letter just says that they will charge £12 in future for late payments, and if I don't like it. perhaps I should close the account

  • Haha 1
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  • 2 weeks later...

just gone on line to check my last payment was recived and my accoutn log in detials wont/dont work - does this mean theyve stopped my card? i might go and buy some petrol at lunchtime and see if it works then...anyone else had their account on line detials frozen?

HSBC BANK

** DECEMBER 2006 - RECEIVED CHEQUE FOR FULL AMOUNT!!!! ** £5967.00:)

LLOYDS TSB

**JANUARY 2007- RECEIVED CHEQUE FOR FULL AMOUNT!!!! ** £1340:)

HSBC BANK - Managed Loan/Interest

still chasing, have submiited claim thru MCOl - date sent to my local court - claim is going ahead Jan 29th 2008 :(

CURRENTLY CHASING

NATIONWIDE (WIFES ACCOUNT)

HSBC (managed loan)

others won:

CAPITAL ONE C/CARD (mine & wifes), :)

BOXCLEVER TV RENTAL, BHS STORECARD, BLACKHORSE FINANCE,HSBC PPI INSURANCE FOR SBL, PPI INSURNACE FO LLOYDS TSB LOAN,

Link to post
Share on other sites
just gone on line to check my last payment was recived and my accoutn log in detials wont/dont work - does this mean theyve stopped my card? i might go and buy some petrol at lunchtime and see if it works then...anyone else had their account on line detials frozen?

 

Hi petedoyle they stopped my on-line access when I rang they said was because I was in arrears (this was at same time I sent prelim letter 7 weeks ago) I have been in arrears for over 18 months. I would say this is due to claiming charges so make sure you have cash just in case its more than just stopping access on-line.

 

all the best dpick:oops:

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

Link to post
Share on other sites

well i seem to be bale to draw out cash from the cash machine?? and i have used it to buy fuel too. also they have now acknowledged my claim...which im lookign forward to recieving the rest of money on :)

HSBC BANK

** DECEMBER 2006 - RECEIVED CHEQUE FOR FULL AMOUNT!!!! ** £5967.00:)

LLOYDS TSB

**JANUARY 2007- RECEIVED CHEQUE FOR FULL AMOUNT!!!! ** £1340:)

HSBC BANK - Managed Loan/Interest

still chasing, have submiited claim thru MCOl - date sent to my local court - claim is going ahead Jan 29th 2008 :(

CURRENTLY CHASING

NATIONWIDE (WIFES ACCOUNT)

HSBC (managed loan)

others won:

CAPITAL ONE C/CARD (mine & wifes), :)

BOXCLEVER TV RENTAL, BHS STORECARD, BLACKHORSE FINANCE,HSBC PPI INSURANCE FOR SBL, PPI INSURNACE FO LLOYDS TSB LOAN,

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Share on other sites
well i seem to be bale to draw out cash from the cash machine?? and i have used it to buy fuel too. also they have now acknowledged my claim...which im lookign forward to recieving the rest of money on :)

 

Hi pete they paid me on Friday 7th of July they did not acknowledge just wrote to court they had paid in full. I was not able to check card then to see if paid checked Monday now balance = £373 they paid. In formed court paid in full claim satisfied.. So just stick to it they will pay.

 

I forgot I am now going after them for PPI poor dears.

 

dpick:)

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

Link to post
Share on other sites
  • 5 weeks later...

yep they did a simialr trick to me, wrote to court told them theyd paid then sent me the letter sayign could i drop the case and they were makign the rfund in full - which they did. i just have to put an MCOL for my wifes claim now. seems theyre a bit sticky at first, once they see youve entered a claim on line they pay up. nice.

HSBC BANK

** DECEMBER 2006 - RECEIVED CHEQUE FOR FULL AMOUNT!!!! ** £5967.00:)

LLOYDS TSB

**JANUARY 2007- RECEIVED CHEQUE FOR FULL AMOUNT!!!! ** £1340:)

HSBC BANK - Managed Loan/Interest

still chasing, have submiited claim thru MCOl - date sent to my local court - claim is going ahead Jan 29th 2008 :(

CURRENTLY CHASING

NATIONWIDE (WIFES ACCOUNT)

HSBC (managed loan)

others won:

CAPITAL ONE C/CARD (mine & wifes), :)

BOXCLEVER TV RENTAL, BHS STORECARD, BLACKHORSE FINANCE,HSBC PPI INSURANCE FOR SBL, PPI INSURNACE FO LLOYDS TSB LOAN,

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