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    • Hi,   I sent the email to both my local councillor and the leader of my local council yesterday evening. I didn't receive an acknowledgement email. Do you know if I should have, as I know that if you ever email an MP you always receive a acknowledgement email?   Walshy
    • Can I ask how your taking him to court with just his a trade name ?  Yes I notice hes still trading on ebay.   
    • Very good finds indeed which help to undermine their case.. And to strengthen your case take a look  look at a thread by Tom Price also at Southend airport which is several threads below yours and you will see that he won his case on the fact that he was stopped rather than parked. On top of that he had the Airports Act  1986 to quote. The relevant section is no 63 " Byelaws are covered at S.63  (2)Any such byelaws may, in particular, include byelaws— (d)for regulating vehicular traffic anywhere within the airport, except on roads within the airport to which the road traffic enactments apply, and in particular (with that exception) for imposing speed limits on vehicles within the airport and for restricting or regulating the parking of vehicles or their use for any purpose or in any manner specified in the byelaws;" That confirms that the roads at the airport are either covered by the Road Traffic Act or Byelaws neither of which is relevant land therefore  PoFA cannot apply. And  VCS should be aware of that. Another thing is that when you posted their WS you didn't include their contract which I missed at the time. However Tom Price included it in his. And guess what-the  alleged offence they are pursuing you for, No Stopping, is not included in their contract. If you look at the end of their Service Agreement [aka contract] you will a list of contravention on Scedule 1 [7] (46) PARKING/WAITING ON A ROADWAY WHERE STOPPING IS PROHIBITTED That is the nearest to what you did. But you were not parking nor waiting -you were stopped so there was no reason to issue you with a PCN as you never broke any of their contraventions. Looks like they breached your GDPR and you should include that as it carries a hefty charge £750 is not unheard of.   Have a read of his WS too which may give you further ideas even possibly to rebut some of the points VCS  make.
    • Lawrence Stroll, executive chairman of Aston Martin, told the BBC he wants to build a firm with a "luxury profile". View the full article
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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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      • 33 replies

Spiritgirl -v- First Credit


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Hello friends :)

 

Well this ignorant lot are true to form :mad: They phoned yesterday and were extremely rude insisting that my OH speak to them. When I said that he did not discuss his financial matters on the phone I was interrupted and told in a sarcastic and loud manner:

 

"you clearly don't understand madam, he must speak to us immediately"

 

and so I put the phone down while he was still giving his orders (very satisfying!)

 

No First Credit, YOU don't understand !!

 

CCA letter gone off.

 

Will update as soon as I hear back.

 

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 that SG.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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These cheeky bar stewards phoned TWICE yesterday - the first time they asked me to tell my OH to ring them back IMMEDIATELY he came in, and then had the cheek to begin pestering me for his mobile number :eek: (as if!) .... then they phoned back within seconds and started ranting at me again about the urgency of the situation...so I put the phone down.

 

I've dealt with a large selection of DCAs as many of you know, but this lot are by far the most ignorant :mad:

 

They will have the CCA by now, and so if they choose to carry on phoning like this they will be reported. I am taking notes!

 

I think next time that same rude bloke phones I will just leave the phone off the hook or blow a whistle at him - any other suggestions????????????

 

And so "Carl" of First Credit - if you are reading this, you obviously fell out of the manners tree and missed every branch on the way down!

 

Love SG x

  • Haha 1

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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I think next time that same rude bloke phones I will just leave the phone off the hook or blow a whistle at him - any other suggestions????????????

 

Perhaps you would like to borrow my young son. He appears to be growing out of being cute. Today he informed he was going to break wind and then proceeded to bend off and let rip :eek:

 

If my son is going to demonstrate such behaviours i would prefer they be put to good use. This level of behaviour may be just the right level of communication for some people :p

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Ooh lovely lot these ones!

 

Go on - send off the telephone harassment letter - it really gets up their goat! LOL

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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You poor thing SG *hugs*

 

You're in for a right time of it with my 'favourite' DCA :rolleyes:

 

Good luck and best wishes to you and your OH...

"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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Perhaps you would like to borrow my young son. He appears to be growing out of being cute. Today he informed he was going to break wind and then proceeded to bend off and let rip :eek:

 

If my son is going to demonstrate such behaviours i would prefer they be put to good use. This level of behaviour may be just the right level of communication for some people

 

Pmsl H1 :lol: :lol: bless him x Memories of my lad many years ago, he enjoyed making "music" in the bath!!

 

OMG First Credit have got a recorded message on 1471 now - a robotlike voice giving out the number and saying ...THIS IS A MESSAGE FOR MISTER SPIRITGIRL TO RING FIRST CREDIT ON BLAH BLAH BLAH..AND QUOTING REFERENCE BLAH BLAH BLAH...THIS IS A MESSAGE (and so on over and over)... it sounds like a cross between a darlek and the speaking clock roflmao :p

 

Vamp, the harrassment letter is going off tomorrow ;)

 

zazen - lol, keep it close to the phone!! :)

 

I'll pop back when there is more news. BB did you get any postcards from this lot saying they were "calling" by any chance??? ... am wondering whether to get the "you are not welcome on my property" letter ready just incase!

 

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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Nope, no postcards. Just the heavies straight away...Constant calls from horrendously abusive people, threat-o-grams and 'special treatment' from one of their senior employees. Their methods go off the scale if you show any weakness, which I did pre CAG :( I got TS involved, then their manners improved, I wonder why :rolleyes: It's been so peacful since November ;) By the way, a certain senior employee reads ALL the threads here that mention them, so be careful what you post, they're watching :p

"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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LOL BB ;)

 

The other BB is watching eh??? (Big Brother!)

 

Love SG x

  • Haha 1

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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He is indeed :rolleyes: Which is why I'm watching every thread also :) I can't say what I want to 'cos I'll get cagbotted :p

"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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Indeed if you want to vent - use email rather than here! ;)

  • Haha 1

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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Morning friends :)

 

Thanks for the tips ;)

 

No phone calls as yet - but the day is still very young!

 

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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Letter received threatening a visit from their "doorstep debt collector" to prepare a pre-legal report :rolleyes:

 

however ...they are delaying the visit for 3 days to allow OH to settle the debt!!

 

well shiver me timbers.........roflmao :lol:

 

do we have "mug" tattooed on our foreheads???

 

Letter going off with a FURTHER copy of the CCA request (which they are choosing to ignore) and informing them that OH revokes his licence under Common Law for any of that shower to visit him at home.

 

better cancel the cream cake order then :p

 

Watch this space!

 

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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I would say let's have a little bet on anyone actually turning up but that make their spy send someone especially for you...

"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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  • 1 month later...

Hello friends

 

I've been absent from here for a while due to Depression but am feeling a bit better now.

 

Update with this shower is that they issued a warning that they were going to make me bankrupt :eek:...this despite not responding to my CCA request.

 

They said I had ignored a letter from their Solicitors (I had not had one so how could I ignore it???).

 

If I had not known what to expect from them I would have been in a major panic and more poorly than I have been :(

 

I phoned them up and spoke to someone whose name I have noted plus time of call, and that person confirmed that their letter had been sent out in error and apologised. :rolleyes:

 

Words fail me.

 

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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I've just posted on another thread that at least we can take comfort with the predictability of all these doughnuts.

 

Glad you're up and about again :)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hey SG glad you're feeling bit better and good to see you back.

 

Just wait to see what I got planned for this bunch of *****:D

"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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Yes, Good to see you back SG :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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*Waves at SG* :)

 

Hey SG glad you're feeling bit better and good to see you back.

 

Just wait to see what I got planned for this bunch of *****:D

 

Oooooooo, the suspense is killing me BB :shock:

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Now, now, calm yourself BO :p

 

All will be revealed soon :D

"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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Hi SG

 

I'm here to give any help or support I can

 

I too went through a very bad patch of depression just recently

but I'm back to my old self now and taking them on again...

 

the list includes

RBS

AMEX

MBNA

Morgan stanley

barclaycard

 

just got barclaycard by the short and curlies and theyre squirming :)

 

Dave

Edited by davefirewalker

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Just in case you need any more inspiration

 

:)

 

When things go wrong as they sometimes will;

When the road you're trudging seems all uphill;

When the funds are low, and the debts are high;

And you want to smile, but you have to sigh;

When care is pressing you down a bit

Rest if you must, but don't you quit.

Success is failure turned inside out;

The silver tint of the clouds of doubt;

And you can never tell how close you are;

It may be near when it seems afar.

So, stick to the fight when you're hardest hit -

It's when things go wrong that you mustn't quit.

 

 

dont quit fighting

 

***hugs ***

 

Dave

Edited by davefirewalker
  • Haha 1

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Good morning Spiritgirl,

 

I just wanted to say reading your threads last year when I first joined CAG meant so much to me...you provided true inspiration for me to start the fight with all n' sundry..and lo and behold empowerment began...!!

So Thank YOU Spiritgirl and keep up the good work.....you are brilliant.

 

regards

moving on...

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Hello friends

 

I've been absent from here for a while due to Depression but am feeling a bit better now.

 

Update with this shower is that they issued a warning that they were going to make me bankrupt :eek:...this despite not responding to my CCA request.

 

They said I had ignored a letter from their Solicitors (I had not had one so how could I ignore it???).

 

If I had not known what to expect from them I would have been in a major panic and more poorly than I have been :(

 

I phoned them up and spoke to someone whose name I have noted plus time of call, and that person confirmed that their letter had been sent out in error and apologised. :rolleyes:

 

Words fail me.

 

Love SG x

1st Credit - grrrr:mad:

..

SG - :) xx

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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