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A former tracing agent pleaded guilty and was fined for illegally obtaining personal information to check if customers of a high street bank could repay their debts.View the full article
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Rescue Mate delivered the wrong tire and want me to pay for it. https://www.consumeractiongroup.co.uk/topic/458849-rescue-mate-delivered-the-wrong-tire-and-want-me-to-pay-for-it/&do=findComment&comment=5215225
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Erudio student loan deferment problems?. https://www.consumeractiongroup.co.uk/topic/454154-erudio-student-loan-deferment-problems/&do=findComment&comment=5191087
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Just wanted to finalise this story by sharing that I’ve had my complaint to FOS upheld. It’s been an anxiety and anger fuelled time but worth it to win against this disgusting company.  

Initially it was not upheld because they stated it was my responsibility to update my address and Erudio did nothing wrong.  But I added further comment and referred them to similar decisions where complaints had been upheld. 

The crucial element was that Erudio stopped sending deferment email reminders in 2021 and all those people who hadn’t updated their addresses did not remember to defer because everything was sent by post. 

FOS basically said that Erudio could and should have done more to contact me once the account went into arrears. They had my email address and phone number but didn’t use it. They stated that it is standard industry practice to trace a new address for people which they obviously didn’t attempt. Funny that once it was with Capquest, the phone calls were plentiful. 

Anyway, the decision hasn’t been published online yet but once there’s a link I’ll post it on this group. I realise we’ve only got another year or so for these particular loans but I hope I can help someone else by posting here. 
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Don’t like it?

Just ask them to remove them. That way you won’t have to pay a standing charge.



Then you can get on to your mobile phone provider and charge them for having their Sim in your phone.


Do let us know how you get on, (even if it means going to the library to access the internet because you have no electricity at home, and no mobile service ………)
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The FCA is banning fees that debt advisors receive for referring people to debt solution companies.View the full article
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I find these situations totally bizarre !
You wonder what transactions have been picked up that merit these investigations.
Santander appear to be one of the most complained about Banks going by number of reports in online forums.
To suspend Bank accounts stopping all transactions should be a last resort action, where the Bank has no choice but to take this action.
    • I agree
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Natuzzi Italia, Edinburgh

Refused refund for faulty sofa. https://www.consumeractiongroup.co.uk/topic/456673-refused-refund-for-faulty-sofa/&do=findComment&comment=5205369
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Contacting loved ones in Ukraine. https://www.consumeractiongroup.co.uk/topic/446558-contacting-loved-ones-in-ukraine/&do=findComment&comment=5156526
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- Jenny Kleeman and Luke Jones with Times Radio Breakfast Times Radio The Times and The Sunday Times.mp3  

- Jenny Kleeman and Luke Jones with Times Radio Breakfast Times Radio The Times and The Sunday Times.mp3  

Buy a homeless person Christmas Dinner - Social Bite. https://www.consumeractiongroup.co.uk/topic/443900-buy-a-homeless-person-christmas-dinner-social-bite/&do=findComment&comment=5145464
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@Hermesparcels Hermes – the worst of a bad bunch - Martijn de Lange CEO - . https://www.consumeractiongroup.co.uk/topic/443095-hermesparcels-hermes-%E2%80%93-the-worst-of-a-bad-bunch-martijn-de-lange-ceo-do-his-children-know-what-he-does-for-a-living/&do=findComment&comment=5141394
    • I agree
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Received a letter today telling me they have been appointed to trace someone.
Can’t find much about them online has anyone had any dealing with them
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Lewes Judgment overruled original HHJ harvey overturned due to Bias.
Would you like to donate?
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@Livewell_today - Faulty Mobility Scooter from a month after receiving it.. https://www.consumeractiongroup.co.uk/topic/434953-livewell-today-faulty-scooter-from-a-month-after-receiving-it/&do=findComment&comment=5111029
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Mediator point - Hermes lost my parcel and it is offering just a partial refund of the total amount requested. What's next?. https://www.consumeractiongroup.co.uk/topic/434633-mediator-point-hermes-lost-my-parcel-and-it-is-offering-just-a-partial-refund-of-the-total-amount-requested-whats-next/&do=findComment&comment=5109422
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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!
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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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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
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Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
We had a 10yr  finance contract for a boiler fitted July 2015.
After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
You only have to look at TrustPilot to get an idea of what this company is like.
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