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    • Hi Guys   I really could to with a bit of advice.   I have used the surname A (we will call it that to help with the explanation....lol) all my life. Name A is on everything i need my name for on a regular basis (my birth certificate, driving licence, bank accounts, utility bills, doctors....etc).   Now as a child my mum remarried and thought it a good idea in all her wisdom to ask the school to put a name B on my file.   So when it came time for my national insurance number came it had the name B on it.   Inland revenue said that there wasn’t a problem with this as long as i never try and do anything fraudulently (trying to obtain benefits in two names…etc) but later in life there was a few problems with ID not matching, so I spoke to a solicitor and they wrote me out a stator declaration stating that the person with the surname B and national insurance number is the same person as the person with name A.   This has always worked perfectly with any issues that arose up until I applied for a passport.   Now on to my actual problem….   I’ll try and keep this a bit shorted as the passport office has constantly messed things up and either contradicted themselves or apologised.     I applied for a first UK passport and as I’m English and fall within a certain age bracket all I had to send them was a form filled in by someone that has known me for a number of years. I sent this off and received a letter stating they needed more information and I needed to contact them. This then turned into the actual decision maker calling me back the following day.   She said that because I had put that I had been known by name B once that they would need to see that I have changed my name to name A.   After explaining the situation with her about name B and that there is nothing really that I can change as I only use name A, she requested that I send in my birth certificate so she could complete the application.   I sent this in and had a repeat letter from them saying they needed more information and I had to get the decision maker to call me back again.   This time she said she would need a stator declaration to explain the name. I said I have one of those (I actually forgot I had it until she requested it) but explained that it wasn’t a change of name and just explaining that the person with name A is the same person as name B. she asked me to read it out word for word to make sure it had the right heading…etc and said for me to send in the statutory declaration, driving licence a bank statement and a recent utility bill.   I sent this all in and guess what…… I get another letter saying they need more information.   So we go down the same route with a call back only this time she says she wants a letter from HMRC in the name A and a statutory declaration stating I have changed my name from name B to name A.   I reminded her about the situation with the names and explained that HMRC say there is not a problem with my name and that I would in effect be lying to a solicitor as im not changing my name to name A because its already name A.   She then completely changed her tone and started going on about me also needing to sit an interview…etc (that I expected anyway) and that if she was to give me a passport then there would be nothing stopping me from getting a passport in name B. I then said ok ill go ahead and have the passport in name B but she said a letter from HMRC is not enough to get a passport.     This has gone back and forth with different departments and I had to make a complaint (even that was a problem because I had normal representatives claiming to be from the complaints department so they didn’t actually open a complaint).     It’s got to the point now that I need to get the ombudsman to step in.   I had a consultation with solicitor that agreed that I’m completely in the right and said went down the lines of the fact that it’s not a legal requirement to have name A with HMRC and it can be presumed that I am going to do something fraudulently. And he likened it to a woman that has got married and can use her maiden name as well as her married name (there’s not one rule for one and one for another as this is discrimination).   I need to send something off to the ombudsman so I was wondering if there was some legal stuff I could quote?     Thanks for any help given and sorry for the long post….lol
    • The bigger arguments were   You need to stay in the UK to stay in the EU - and the UK would veto Scotlands entry - they cant now   Currency - you cant use the UKP - many arguments contrary to that and Scotalnd could easily choose dual currency - rather like the english and scottish fivers   Finance - For starters: * Kick the nuclear subs out and access the gas and oil and fish in those Scottish waters for a 10 year plus boom with no England interference and bleeding dry - as Scotland gets established in the EU * Fishing (in agreement with the EU and Norway etc was always more important to scotland and the tocks are moving North * Become the route from Ireland and the US to the EU - ask Dover etc how profitable that was *** Demand a full breakdown and legitimacy of the part of the UKs debt they might be expected to share - including the 100billion chumocracy payments .. if England dare ask   Hows that for starters?
    • They never included statements.  Just a list of each loan.  Date taken out and amount.
    • Hi.   As far as I can see, you haven't read any other private parking threads to understand how this works. If you don't mind my saying, you need to read more threads so you grasp the whole process.   HB
    • Is there any point in leaving the defence for a lengthy period other than necessary for its  preparation? Or is it better to get it done as soon as I am able to?
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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!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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I am wanting some advice on where i stand with interest charges on a debt owing to cabot Financial.

I had a barclycard back in 2002, i fell pregnant and my partner at the time left me and i became homeless. I struggled to pay the barclycard and other debts and ended up having this account passed on to credit solutions. This debt then was £1804, they then passed this debt onto cabot. I went to the citizens advice centre and made an arrangement to pay £0.99 a month with the interest frozen on the account.

I continued to pay this amount untill i moved into a new address, i wrote to all three of my creditors to tell them my new address. Two replied but cabot did not. Once i had moved to my new address i somehow lost the contact details for cabot, my bank account had been closed and i could not contact them to arrange continuation of payments.

I recieved a letter from them after 2 and a half years saying i owe them £2487.12.

I made an arrangement to pay them £25 a month as i am still a single parent on a low income. I recently went on their online site to check my account, i was shocked to see i now owe them more by paying more.

I now owe them £2645.87 due to interest they have added to the account. The interest added was for £718.00 and £183.00.

They never told me that i would now be paying interest or the rate, just simply that i was paying more to get my account paid off quicker.

I was wondering if they are able to charge this amount of interest with out me knowing, as this has added almost £1000 to my account.

Any help is much appreciated.

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Hi first you need to send them a CCA request, template letters are on here,

This puts the account in dispute and while in dispute they cannot continue with charges/ interest.

A few questions, have your ever received a default notice, have you ever received anything from barclaycard saying they the account has been assigned to cabot.

 

Don't worry there are many people on here who will help you with this, you are not alone

Regards CCM

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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I lost alot of paperwork during my move back in 2002, I did recieve a default notice from barclaycard. I cant recall them sending a letter to say the debt had been passed on. I recieved a letter from a company called Mercers Debt Collections, i was paying them £28.03 a month for 10 months, this debt was passed on during this time to a company called credit solutions in July 2003, then to David A Rubie & Company in October 2003. The debt was then passed on to cabot in 2005, it has been passed around so many times im losing track of who i have paid what to!?!

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In view of the above i think the easiest way forward here is to send an SAR request to Barclaycard, It will cost you a £10 PO to do it, but it will give you the complete picture from start to finish(if they comply with it, not guaranteed), LOL.

When you get a reply come back here and we go from there.

Cheers CCM

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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I recently went on their online site to check my account, i was shocked to see i now owe them more by paying more.

 

In view of the above i think they will still hold youre info LoL

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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As creditcard mug has said request a copy of your Consumer Credit Agreement....without it they can NOT enforce the debt (let alone it containing the prescribed terms).....send letter 'N' from here... http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html - you need to send it with a £1 postal order, send it by RECORDED DELIVERY - and in big writing at the top of the letter put - I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY - and do not hand sign the letter....they have to produce it within 12+2 working days or they are in default of your request, if after a further 30 calendar days they still haven't produced it they have committed an offence under the Consumer Credit Act 1974 (it is at this stage that you can stop paying them (the ethics are up to you of course)... If you need convincing as to why the Consumer Credit Agreement is relevant take a look here... http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/133653-consumer-credit-agreements-letter.html?highlight=gareth

 

You can dispute a debt at any stage !!! especially now you know your rights....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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