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    • Thanks! I've had several successes in the past 4 years or so which stemmed from a financially difficult part of my life around 2011/13. Basically I was financially trapped with Quick Quid, in a cycle of increased borrowing, during this I'd opened three catalogue accounts: Studio, JD Williams and Simply Be , 2 credit cards (Aqua and Barclays) and was juggling finances. In that time I had got 2 CCJs plus 2 defaults so things were pretty tight. I was using most of my available credit until things eventually became unsustainable. When I moved house I used the deposit to pay off Quick Quid and got into arrangements to repay the catalogues. The credit card limit was still rising until 2017 when I borrowed the balance of nearly £6000 from a family member and cleared the Aqua card. The Barclaycard had already defaulted. In 2017 I began action for irresponsible lending against Quick Quid. Basically they could not show the criteria they used to make lending decisions  and kept lending to me so I won the case. I was refunded all interest and fees  and charges plus 8% pa. When it was upheld it gave me the confidence to challenge JDW and SB. These were also upheld and they had to repay interest, fees and charges plus 8% from the second credit limit increase which amounted to about £1200 each. I challenged Aqua where my redress covering 6 years fees, interest and charges accrued to nearly £9000.  Barclaycard was not upheld but the default was moved back to an earlier date meaning it expires sooner.  All my IRL cases succeeded because none of these companies could prove that they had diligently checked my financial history. My credit report clearly showed that I was using a high or at limit proportion of available credit and that I'd accrued two unconnected CCJ's and 2 defaults throughout the lives of these accounts. Whether they should have given me the accounts in the first place was also brought into question but it was the sustained but gradual increase of CL's time and time again without proper checks. JDW were unable or unwilling to show the ombudsman what criteria they used. It only appeared that because I paid on time they continued to offer increases where in reality I was actually juggling finances like a fine balancing act.  It would appear that the FOS are looking at catalogue debt as I know when my cases against JDW and SB were being investigated they mentioned this.  My case against Studio should conclude soon. I was curious as to why now Cabot are trying to cut their losses by offering such a hefty discount. I can only summise that Studio are trying to buy back the debt for less.  
    • They have made an offer  Remind them in no uncertain terms that under CONC they are responsible for the conduct of their agents , (research and quote this) and negotiate a payment plan of their offer As dx says we really need all the details to understand the full picture 
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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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J2 solutions collecting 10 year old debt?

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A few weeks ago I got a letter which looked to be from a debt collector, but I saw the HSBC logo. I didn't open it but ignored it.


Day before yesterday I got home to find a handwritten note asking me to call this person on a Blackburn number. Turns out it's J2 solutions. Yesterday there was a note from a neighbour I don't know saying that a person was trying to trace me and gave the same number to call. This was a different surname but the same firstname.


I've never had an account with HSBC, although I did once have with First Direct. The letter was in my old name, and I don't have a bank account, credit card or anything like that and I'm not on the electoral register in my new name.


Can these people chase a debt over 10 years old? Can I stop them from going to the neighbours? I didn't know these neighbours and I don't want them knowing it was a debt collector.

thank you


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First thing if a debt has not been chased for over 6 years it is statue barred.


J2 Solutions are a company who are know to buy old debt that for peanuts and try and collect.


I would not call them you will probably find they will not bother you again.



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Report them to TS - I did. Your neighbour could have easily googled the number and found out it was a DCA, therefore against OFT guidelines.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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J2 sent several letters to my wife asking her to call them about a personal matter if she had lived at such and such address (one she left 8 or 9 years ago).

After finding this site we decided to ignore them.

They also contacted 1 of our neighbours but fortunately got short shrift from them. We pre empted that threat by going round any neighbours who knew us, explained what this bunch of parasites do and were very relieved by their response to this [problem].

Guess you only need to think about neighbours who actually know you and decide if you feel comfortable asking for their help (turned out ours knew more about these companies and their skulduggery than we did).

Apart from them calling me at work a few times (by then I was happy to play silly buggers with them and enjoyed winding them up) that’s been it.

Whatever you do, don't worry too much and good luck.

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First NEVER talk to these "people" on the phone as they will try and get you to agree to anything.

This debt is well and truly barred.

They can ASK for payment but no enforcement (court action) is possible.

It would be a good idea to send them a statute barred letter and go from there.

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter M.

Is it important to start the letter:


Be VERY careful whose advice you listen too

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Advice & opinions given by patrickq1 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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  • 1 year later...

Hello Sh

Thanks for responding so quickly. I will send the letter. The more I read the forum, the more confident I feel. I'll get the hang of how you do these threads before long. Thank you, thank you, thank you.


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