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    • scan up the agreement to PDF  read upload carefully please   easy peasy if you have that   dx  
    • Understood. Maybe as a first step it would be a good idea to write to Amazon and tell them that I would have selected the prepaid hermes drop-off option, like I always do, but I wasn't able to as that option wasn't available for the laptop. Additionally, after Hermes not collecting the item on two consecutive times with the Hermes home pick-up option, I was advised by a customer service assistant to organize the return myself as there is no point in choosing the home pick-up service for the third time. Following his advice and returning the laptop myself being the only available option to send it back to Amazon, I have decided to organize the return myself. I was told that I can use any of the shipping services. To quote I was told: "I could only find the pickup option. So you could arrange your own return using parcel monkey: www.parcelmonkey.com or any similar service. Keep the receipt and send it to: ...url... And we will refund you the postage fees". I didn't get any other instructions and I did what I was told by the assistant to the letter.  What else should I add? Should I mention anything else?   I understand that. I am not afraid of that, I do think that nothing protects them from having to compensate a consumer where they have failed to take reasonable care in performing the contracted service. They have a general duty of care, and they have also failed to provide the service paid for. I really hope that the judge sees it that way too. But maybe Amazon realize the mistake they made and I won't have to sue Hermes. To be honest I think it is disgusting what they do... There is no way to lose a package of 70X40X15. It is way too big. And what are the chances that they lose another package of mine that I send with the laptop at the same time? Obviously someone stole them. What else could have happened? How can they not find the driver who was responsible for the package at the time of moving it from the ParcelShop to the sorting warehouse? And if something happened to the car/driver, it must be logged somewhere. And I would like to see that log (I actually asked them to provide that in my last letter). The whole thing is just unbeliavable.
    • if other details match and this is as a result of say a marriage then yes. CCJ's are not against an address.    
    • Thanks DX and BN.   He did keep saying he’s done loads of parking cases in the past, over the 10 years he’d been doing it, so as you say he’s bound to have come across VCS stuff before isn’t he.   hopefully that’s the case then he just wants to go through it in a bit more detail. Either way you have given me a lot more confidence again now thanks.
    • From Alasdair Macleod , 40 years in stockbroking and financial  analysis  The Eurozone is bust. The deterioration of TARGET2 imbalances have been hardly noticed, but in recent months it has been alarming. Despite official denials over the years that it is a matter of concern, it is increasingly obvious that the national banks of Italy, Spain and other nations with increasing bad debts are hiding them within the TARGET2 system. The first wave of Covid-19, which is leading to bankruptcies throughout the Eurozone, is now being followed by a second wave, which will almost certainly take out a number of important banks, in which case the cross-border euro system will implode.   https://www.goldmoney.com/research/goldmoney-insights/the-destruction-of-the-euro
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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I'm writing on behalf of my sister who has just phoned me and told me that a debt collector has turned up at her house in a plain white van and is demanding furniture to cover a debt. She said she has had no warning from them, and has already made a payment agreement with the original company that she owed the debt to.

 

What can the debt collector legally do? Can he gain entry to remove furniture or has he not got the right? I need someone to get back to me ASAP as the debt collector is sat outside my sisters house now, and she is scared that he may try to gain entry.

 

Thanks

 

Paul

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Hi Paul,

 

Can you clarify, is it just a debt collector or is it a bailiff following up court action?

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Sorry for the confusion, he said he's from a debt collection agency. According to my sister, it hasn't been to court.

 

Paul

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Then she can tell him to go play dixie with his van ..... if he doesn't go after that I'd be inclined to call the police.

 

I'm sure someone with a lot more experience and knowledge will be along to help you shortly ....

 

In the meantime .. tell your sister not to panic and not to talk to them and certainly do not give them any dosh!

 

Boa..

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Hi,

 

No appointment, No Paperwork NO ENTRY,

 

Your sister needs to be firm not even answer the door to him, and ensure that he cannot gain entry other than illegally.

 

Simple as that.

 

BB

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Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)

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Would be interested to know which agency he is from ........

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It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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Thanks for your help.

 

Just been around to my sister, she only lives around the corner. After a minute of him hinting that he was a bailiff, it turns out he was just a debt collector. So we told him where to go and to put everything in writing, and that would be the only way that we will deal with them in future.

 

Don't know if that was the best way to deal with it, but he went, so it gives her a bit of breathing space.

 

He wouldn't say which company he was with, and the van was just a plain white one, so we're still none the wiser as to who it was.

 

Thanks for all of your advice.

 

Paul

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What can the debt collector legally do?

As has been previously posted, he can legally do absolutely nothing. Even a certified bailiff who has been to court and got a walking possession order, etc can not take furniture to pay a debt. Did you get the registration of the van? If so I would report the matter to the police.
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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

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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You have got watch these people because they are lower than a snakes belly in most cases:D

It's difficult to remember that when you're up to your arse in crocodiles your objective was to drain the swamp.

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they obviously think there is a debt owed by your sister, as soon as she finds out/realises who it was with she needs to send the Dca letter N from the templates section

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

its basically saying to the DCA "prove that you have a right to collect, by having an enforcable agreement for the debt"

it needs to be sent with a £1 postal order and by recorded delivery ;)

honey x

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as soon as she finds out/realises who it was with she needs to send the Dca letter N from the templates section

Creditors and DCAs - Letter Templates & Budget Planner

 

 

It depends on what type of debt it is honey. Not all debts are covered by the Consumer Credit Act.

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

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

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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Got a bit more info, the debt is council tax from a previous property that she lived in. She didn't know she had an outstanding amount, and when she found out that she did, she phoned to arrange payment.

 

Maybe the debt collector thought he'd just try his luck anyway, who knows? I didn't get his reg number, didn't really think to at the time, I was just focused on getting rid of him.

 

Thanks for all of your advice, you've been a big help. :)

 

Paul.

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if its council tax then that template is no good, and she must make an arrangement to pay, im sure someone that has more knowledge of dealing with these scenarios will be along soon :)

best of luck with it :)

honey x

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