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    • a court bailiff will not do that and fleecing DCA's cant use HCEO as its a regulated consumer credit agreement under £5k. you'll not find one CCJ thread here where this has ever been any diff. forget google! bit like the USA election was rigged and trump won twaddle.   stick with cag eh?   so use our search top right in the red banner backdoor CCJ whilst you await getting the info.      
    • please just type no need to keep hitting quote....   read what it says in red at the top of the CPR 31:14 template..carefully again.. i can see this thread continuing with these series of schoolboy errors and you screwing up if you dont learn to read and follow things carefully .   just send the CPR as is no need to worry about if or not something is applicable . they rarely respond anyway which is why we say don't miss defence filing date whatever happens..  
    • Stop worrying about bailiffs and read what dx100uk  has posted  ..........................................................
    • The two companies are lowell and cabot.   I'll get the information and come back with it.   I did do quite a bit of 'Google' research before coming on here. There's a lot of confusing information out there they seem to tell you half the story.   Just so I'm clear. Bailiffs in my situation, if authorised by a court. Can enter the property through an unlocked door and seizure goods? Or can they not do that with a consumer credit ccj? Or point me in the right direction so I can read up on it.   Thank you for your help. It's good to finally speak to somebody who tells you how it is.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help         Edit:   I was jus reading the cpr 13 template and it says i am requesting: " (template removed - dx)
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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
      • 1 reply
    • 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
      • 33 replies

Spiritgirl -v- Fredrickson International


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:D Hiya friends

 

Well the "correspondence" which I was promised when these bozos phoned up and I refused to talk to them has now arrived.

 

Its the usual threatening letter stating that Crapital One have passed the alleged debt to them (which should not have happened as this alleged debt is still in dispute with CrapOne and TS are involved:mad:). Threats that if it is not paid in full within 10 days then it will be sent to Bryan Carter & Co Solicitors for litigation proceedings........hmm I seem to recognise that name from this site ;):D

 

I have duly sent off to Fredricksons a copy of the original CCA to CrapOne from way back in spring last year together with a copy of the letter to CrapOne advising the consequences of their default which followed later, and suggested Fredericksons peruse said enclosed correspondence in depth, then advise me in writing that the matter is closed.

 

Meantime I WILL be updating TS with a copy of Fredrickson's letter.........as this blatant disregard for procedure by CrapOne is a joke which is not funny!

 

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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If you get a letter from Carter it will be from a spotty youth one place down on the production line at the hi-tech offices in de havilland drive, Weighbridge.

 

But if you do get, and the matter is still in dispute, pop it in an envelope along with a note of complaint to the solicitors supervisors office in Leamington. They are getting to know all about Mr Carter.

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Cap One unfortunately do this all the time. Remember to complain and keep complaining until you get a result.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Fredericksons have written back to say they have noted the contents of my letter to them and have referred the matter back to their Client. They will revert back to me once they have instructions, and in the meantime have placed the account on hold :)

 

Interesting to see how far CrapOne think they can push this now!!

 

I'll post back when I hear anything else. I'll bear in mind what you say N.P., if there is any contact from Mr Carter and his cronies!

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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  • 2 weeks later...

Hiya friends :)

 

Well CrapOne have now written to me stating they are no longer dealing with my account and "It has been sold to Fredricksons International - they will be contacting you shortly".

 

Well I already know that BUT basically they have sold this account on although it is in dispute and they know they cannot provide a CCA - and now they have confirmed it in writing!

 

This case is with TS already and I've not heard anything back from them for a while. I think its time I updated TS on what the bozos are up to what say you guys?????

 

Oh, not heard anything from Fredericksons since they wrote back and said they were referring back to their Client either ;)

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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  • 1 month later...

I'm still waiting for Fredrickson's to reply to my CA request.

 

Ah well, perhaps they are busy! :)

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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And me they have had to take on more staff :lol:

 

Which speicies?

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Which speicies?

 

roflmao :D well its not the three wise monkeys thats for sure!!

 

I've still not heard back from Fredericksons either friends...we must all be sitting in their in-tray!!

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Well at least you know you're not alone ;)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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  • 2 months later...

:rolleyes: well I heard from them today - they caught me unawares on the phone and I broke my own golden rule of not discussing matters.

 

I thought the girl sounded quite pleasant so decided to give her the benefit of the doubt...what a big mistake :mad:

 

Once she got in full flow she was constantly interrupting me telling me I had to pay them and refused to let me speak, so the phone went down.

 

I'm kicking myself now as I shouldn't have entered into a conversation with them in the first place (SG kicks her own rear LOL) :p

 

Anyhow I won't be making the same mistake again!

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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:rolleyes: I have now received a very threatening letter before action from these clowns!

 

I can't help but wonder what paperwork they are relying on, because they have certainly not sent anything to me by way of proof of this alleged debt despite a CCA request eons ago!

 

Will keep you posted.

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Ooh Rory, I'll have to try that one on Red!

 

I've just SAR Crap1 even though I had a CCJ from them. Lowell are on the case with it, but I was conned by CAB to answer and admit the first part of this debt, I won't do that now!

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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rory, on the OFT website it says they don't act for individuals so where do I send the letter??? :confused:

 

The Office of Fair Trading: Contact us

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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where do I send the letter??? :confused:

 

Send it to [email protected] or

Enquiries Unit

Office of Fair Trading

Fleetbank House

2-6 Salisbury Square

London, EC4Y 8JX.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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thanks for that Rory, I am on to it ;):)

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Hi Spiritgirl

 

Thanks for your continuing help with YB.

Would you be able to have a look at my other thread for me.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/146601-mtb-halifax.html?highlight=spiritgirl

 

I have received court papers with this one . I have acknowledged but there are a few points I am unsure about with the defence.

 

Regards

Alamand

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  • 2 weeks later...

Hiya friends :)

 

LOL I spoke too soon ... on DMD's thread I said all was quiet :p

 

Got a letter this morning from Crapital One to tell me that the alleged account is no longer with the DCA who were acting on their behalf and has been returned to them so it is "important that I continue making payments" to Crapital One. Yeah...right :rolleyes:

 

So that's Fredericksons bitten the dust - lets see where it goes to next!!

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Hi ya Spiritgirl

 

Another one bites the dust.

 

Thanks again for looking at my other thread regarding Halifax. I did get loads of advise and help and I have put a defence in.

I have offered another F&F.

After checking the application form again, I have noticed they have put 2 different account numbers on it, and both don't match the account number that they are taking me to court with, so I think we have got a bit more to fight them with, fingers crossed.

 

Thanks

Alamand

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  • 6 months later...

So that's Fredericksons bitten the dust - lets see where it goes to next!!

 

 

Its taken its time, I thought it had got lost LOL but its now gone to Lowell Financial - had a begging letter from them last week! :rolleyes:

 

I have read plenty of posts about those bozos on here so let the fun begin!!

 

Letter already gone off telling them to Foxtrot Oscar.:p

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Good luck with the 'leeds losers'...

 

If they play to script it'll be a few reduced offers and then pass back to the OC :D

 

Hugs,

 

BB

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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  • 2 weeks later...

Hi BB & all :D

 

Lowells have now written a grovelling letter, apologising and asking me for my patience while they investigate the matter further to ascertain the situation :rolleyes:...

 

...in other words they know and I know there is not and never was a CCA, and now they know that I know :D

 

.....so they are attempting to save face, bless 'em :p

 

Lets see what happens next!

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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