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I will be able to provide you with guidance in relation to your question. However please note this does not form a professional client relationship and we cannot provide representation, however, I would be hopeful that my guidance will be able to assist you.
Thank you for the question. Depending on who is liable in this matter i.e the bank, Hermes or the seller, you could potently take action to recover your losses. In the first instance you will want to try and resolve this yourself or with the relevant ombudsman, however if that fails you could look at a small claims action to recofer any losses. or enforce an action.
Prior to intimating small claim proceedings, you will require to send a letter to the respondent. It is a simple letter stating that if they do remedy the matter as you have outlined (in the same letter), you will take legal action against them. This is referred to as a. pre-action protocol letter. You can complete the forms for a claims action easily online. You will have to highlight what the issues are and tell them how much you are claiming for, to be honest the first are straight forward and self-explanatory. If you feel you can do this yourself then you don’t really need to hire a solicitor, but I will provide details for you in case you feel you want to. You will then receive a response to the claim and a court date. On the day (unless they offer a settlement) you will appear at the local court and basically provide your evidence and give you claim to the judge, and they will response. The judge will assess the merits of the claim and defence and make a judgement this should be relatively easy for you to prove so the respondent may well offer a settlement in the meantime.
I hope this information has helped. You can find a local solicitor who deals with this on the law society webpage which is here;
If you require any help moving forward on this matter in the future, please do feel free to come back to us and I would be more than happy to assist.