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    • Good morning CAG team,   Firstly, want to start by saying what a fantastic resource and collection of knowledgeable people you guys have created here. You guys helped me around 2008 to reclaim my bank charges and since then I have been on top of my finances.   I had debt issues as a youngster (now 40) due to lenders pretty much throwing money at people back then without any concern as to whether it could be repaid, I managed to get myself out of that debt by repaying it and have since maintained a fantastic (900+) credit score.   As much as having the great credit score is a good thing, it comes with it's own risks (ability to borrow ludicrous amounts of money) and I've fallen foul these last 24 months to a point where I am now desperately concerned about my situation, made worse by being served my notice in my current employment.   During 2018 I started to run up my debt as I borrowed to help friends and also my Mum having health issues that were not being cured but simply managed by the NHS, I forked out for multiple private sessions hoping to get her some relief, all with a view of repaying as I had always done, I've always paid my debts since leaving school. This borrowing continued into 2019 with house repairs, car issues and on and on, wife gaps in employment etc. The debt has been affordable for me upto now as I've a reasonably well paid job, however that has now come to an end and I leave that employment in 3 months time. With only 3 paychecks remaining and no jobs that will match the salary available I find myself in a very stressful situation of needing to plan ahead and I need your guys' assistance for this.   None of my accounts are in default nor had any missed payments on my credit file, all debts were taken after the start of 2018.   I have 3 loans: Tesco Bank £8600 remaining MBNA £4350 remaining Halifax (my current bank account provider) £13,000 remaining   I have 5 credit cards with remaining balances: Tesco Bank £8750 M&S Bank £9100 MBNA £11000 Virgin £4000 Halifax £2800   This is a ludicrous amount of debt and I'm disappointed I didn't see this earlier, as although it was affordable on the salary I have been earning, it is not affordable on a market rate salary for my trade and given recent organisational changes at work, I will no longer be gainfully employed.   I have seen some quotes for secured loans and additional mortgage with my current lender (a dual mortgage that runs in parallel over 25 years) to cover the debts, all of which are extremely expensive and leave me potentially vulnerable to losing our family home in the future if for any reason we are unable to pay, which given our mental health and children's age, is not an option we wish to pursue.   I need help on how best to approach these debts and welcome your advice. Part of me wants to default all of them due to the amounts however I'm not sure where this would lead long term, we live in our own home with a mortgage and equity in the home would just about clear these debts if we were forced to sell however that is a last resort for us.   I feel unclean and disappointed I am at this point given my age and wish for this to go away as q    
    • Hello, welcome to CAG.   I think we may need more information in order to help you.    Are you saying that Aviva shouldn't make you pay because of the deception?   It's not clear how your brother set up a policy and kept you out of things. I have to say that I would be more annoyed with my brother from what you've said so far. Did you involve the police? Best, HB
    • Note: Language hinted at which was tasteless and unreasonable even in a bygone era   Overheard - A right bozo with untidy hair discussing woke: Of course I know what it is. Its where the BBC make a drama about Henry VIII and his court, where the star player in the court is a 6 foot plus, athletically built pican.. afro-American Count with dazzling pearly whites, looks of a movie star and  'build of Lynford the lunchbox. He also speaks wisdom in a tastfully mixed blend of Afro American accent overlaid with 1990s oxford English and manipulates and confounds the small, snaggle toothed feeble minded and feeble bodied pasty white folk in the court with ease ... and of course has all the women swooning at his feet at the slightest glimpse of his broad chest with its well trimmed hair let alone any of the other weapons he packs ... and they say I rewrite history   Mind you, it proves my point that slavery is a myth - we never enslaved them, quite the opposite - us white folk have only recently started to gain our freedom after hundreds of years of their manipulation and rule across the courts of Europe and we need to work hard to ensure that liberation of us poor etonians isnt quashed. Lets us them to justify our report. We better renew the Telly Tax err licence fee to make sure theres more. Should we make them compulsory history viewing in schools? What do you think Dom ... err Dom, where are you? He must be watching the footsieball - whos innings is it?  
    • We sent this to the ombudsman citing their own guidance for business -   I can state that following discussion with Miss X we do not agree with the outcome.   The FoS guide for business contains the below and we would like this considered in relation to our complaint, specifically the sections 'we've been told by some trade guides that generally cars are selling at or close to advertised prices' and 'Adverts may be helpful... if they strongly indicate that the guides could be wrong'.     We are informed by persons within the motor trade that the impact of the pandemic on the industry has resulted in an increase in demand in the second-hand car market and has meant cars are indeed selling for close to advertised prices. I would therefore argue the trade guides are not aligned with the current and fast changing economic situation and are not a reliable source to gauge fair market value. Further, E-sure failed to consider evidence from advertisements despite our request and your clear advice to do so.
    • The new Credit 500, an index of the most influential people in consumer and commercial credit in 2021, has now been published in full View the full article
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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
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
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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
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I made a claim for in excess of £2000.00. I have received a payment for £750.00 as their final offer. Is there a template for declining this and demanding the full amount. I have also recalculated with interest included.

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  • 4 weeks later...

I have a small business account. I have incurred some bank charges but Lloyds state that due to it being a Business Account they will not pay, is that true?

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Like many people I have received the above as full and final payment. Could anyone please advise what the next step should be. Also my original claim was for £2200.00. Can I re-submit this but include interest this time?

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What stage are you at ?

Really it's a simple case of sending them a thanks, but where's the rest letter and continue with court action.

letters can be found here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

Be VERY careful whose advice you listen too

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Has the £750 been credited yet? What date was the letter sent?


The reason I ask is that I was also offered £750 to be credited in ten working days and they are now two days past the ten days.

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send the rejection letter that curlyben posted above,

the money will get paid in regardless of the letter being sent u will then just have to claim for the remainder.


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  • 3 weeks later...

3 threads merged. Please keep your progress on one thread.


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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



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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