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    • 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
    • I agree but it doesn't change the fact they're all in the system the same way we are and they vote in certain ways for varying reasons that are far far away from our own motives.   The whole wretched system needs taking down and starting from scratch 
  • Our picks

    • 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.
       
        • Thanks
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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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Intrum Justitia are a DCA acting (I pressume) on behalf of Capital One trying to collect on a defaulted account from a few years ago.

 

I read the thread about DCA's and sent Intrum the letter acting if they had bought the debt or if they were collecting it for Cap One.

 

They have a few more days to reply but I am not holding my breath. The leeter stated that it was a criminal offence not to supply the requested info.

 

Who do I contact and what action would I take against them for non compliance.

 

I also sent a DPA request to Cap One but they have not yet replied

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  • 2 years later...

just got a letter from intrum justicia for old bill from 2 year ago?

you said you sent a DCA?

What is this and what does it do?

I also received one from capital one and wescot credit services for the same bill at the same time?

are they all the same company?

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I've dealt with Intrum.. huff and bluff but don't seem to do much else.

(Spoilt1033.. DCA = Debt Collection Agency.)

I believe you'll find the criminal offence has been removed from the legislation.. it's now only 12 working days and they are in default.

 

I've tried the FOS for non-compliance on the CCA and they are not interested. TS have just told me to sod off.. so i am going for complaints to the Information Commissioners Office now if that's any help.

 

The last few pages of my thread may show you what i have been saying to Intrum etc:

http://www.consumeractiongroup.co.uk/forum/mbna/57846-debt-written-off-due-42.html

Edited by davey77
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  • Haha 1

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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just got a letter from intrum justicia for old bill from 2 year ago?

you said you sent a DCA? probaly means he sent a CCA Request

What is this and what does it do?

I also received one from capital one and wescot credit services for the same bill at the same time? You cant be chased by seperate DCA's for the same debt

are they all the same company? NO

 

A cca request makes then provide the credit agreement if it is appropriate to the debt, which is for mainly Credit cards and Loans

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Spoilt1033... Crap 1 and Westcot are indeed the same company(check the small print at the bottom of their letters) Crap 1 like to make you think that Westcot are a different company but dont believe it, though they act like they are letters going missing, no coms between the two etc, treat them both with the contempt they deserve!

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Hi, found this forum when googling intrum justitia. Obviously new so apologies if haven't posted this correctly! Have been paying £15pm off a Tesco credit card debt for about 3 months. Suddenly got letter saying they increasing to £30, unless I contact them within 7 days, but letter took nearly 2 weeks to arrive! Although I cannot afford the new amount I have paid it by bank transfer today following a really nasty call from them. I explained (I'm self employed) that I have lost £300 income a month & can't afford the £30pm, he just said "we need o/s amt & as not paid will be sending someone round to remove goods to the value of the debt, (around £1000). Then he hung up on me. I'm worried sick. I have drafted a letter, but does anyone have any advise before I post it? Should I send income & expense achedule? Any advice really will be gratefully received. Thanks

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That's dreadful Cazzie.. but total bullying tactics. They have no right whatsoever to enter your property and take goods as and when they feel like it so don't worry about that. They are just trying to scare you.

 

When was the card first taken out? (Applied for.) Perhaps you could start your own thread too?

 

You pay them what YOU can afford. Don't let them dictate the amount as you are the best person to judge what you have available.

 

Never speak to these people over the phone. The caller would never have put all that in writing (and thereby giving you proof of what was said) as they know very well they are talking rubbish.

 

Have you sent a CCA request yet?

 

I wouldn't bother with an Income/Expenditure letter at the moment myself. Also don't pay by bank transfer but cheque or postal order in future and don't sign anything with your own name. Use a digital signature.

 

Get your own thread started and im sure lots of people will help. Can you post your draft letter up here (or on your own thread once you have sorted it) so we can have a little look. ) :)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Thanks feel a bit better knowing it's just "talk"! I'm really thick over these matters but what is CCA and what does it do? I won't send the drafted letter I wrote in a panic earlier, will rewrite it with my offer as suggested. I'll have to study site and find out how to start a post etc. I came on here in a bit of a state and panic, I'm supposed to be writing assignments today for my childcare course, and have been sidetracked! Thanks for calming me down a bit for the moment!!

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No worries.. never write in anger or haste.. take a step back and write at your own pace. Best way :)

 

Have a brief skim through my thread. No need to read the lot from start to finish but i was a newbie and worried to start with and now i am not bothered at all! ;)

http://www.consumeractiongroup.co.uk/forum/mbna/57846-debt-written-off-due.html

 

A CCA request is asking for a copy of the original agreement under the Consumer Credit Act and there are template letters for that all over the place on here. Can't find it at the mo but im sure someone will point you in the write direction. :)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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Thread moved to the Debt Collectord Forum

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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  • 1 month later...

Hi, Last year I sold some goods on ebay, transaction was £1,400 through paypal, the goods we're posted off through DHL using parcel2go.com according to the tracking info the goods have been confirmed delivered and signed for. The buyer falsely filed a paypal claim.

I was on holiday when the buyer filed the claim so I had no paperwork with me. I gave paypal a tracking number from my head but with 1 digit wrong by mistake.

I came home and gave all the correct info to paypal. A paypal advisor said I've got 72 hours to fax further info. What happened next was I recieved another email within 18 hours from the 1st email saying the case has been granted in the buyers favour.

Now I was furious with this. I constantly emailed and contacted paypal to sort it out. They said they're reinvestigating it etc but nothing happened. Then I started recieving calls from intrum justitia to make a payment of £518.00, this has been going on for a few months..........

 

Does anybody know what can be done. What should I do. I've sent a letter to intrum too with a photocopy of the DHL reciept of delivery etc. The buyer has recieved the goods and falsely making a claim. Do I stand a chance in getting this Debt problem sorted out. What would happen next? If I wanted to go court what can happen?

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I have a very similar problem with paypal, and now intrum justicia.

I sold a laptop on ebay in May 07. I received an email from the buyer confirming receipt and heard nothing more about it.

I then tried to buy something through paypal a few months later and found my account had been limited.

Having spoken to paypal it seems the buyer had fraudulently disputed the receipt of the laptop and paypal had found in his favour without any correspondence with me.

Unfortunately by the time I found out about the dispute I no longer had the tracking number!

I appealed by email in October 07 and had not heard anything about it until yesterday when I began receiving calls from Intrum Justicia chasing for payment.

Last year I tried contacting the buyer (has a store on ebay) but they claimed the employee I needed to speak to was either off or on holiday each time!

Not sure what I can do, I have re-sent my appeal to paypal together with the email I received (via ebay) from the buyer stating - "Thanks, I have received the laptop".

I have asked them to stop Intrum chasing in the meantime but im not sure how this dispute can be resolved?!

Any advice from someone who has been in a similar position would be much appreciated!

Thanks

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ATTN problempaypal & ad1878 - and any other newbies thinking of doing the same.

If you start adding info about your case in someone elses's thread then it will get lost as people here would get confused with more than one story per thread.

Start a thread of your own, ask questions, and people here usually help.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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  • 2 months later...

 

I wouldn't bother with an Income/Expenditure letter at the moment myself. Also don't pay by bank transfer but cheque or postal order in future and don't sign anything with your own name. Use a digital signature.

 

 

Why use a digital signature? Am I missing something?

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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From what I have learn't some DCA's can get a bit naught and havebeen know to forge signatures, so as far I am aware you should never give your signature to them, but if you do take severe precaustions.

This is what I was advised of a while back.

Someone else may havea different reason though.

 

Hope this helps

 

Red

xxx

Righteousness & Justice Will

One Day Rule

:p:p:p:p

[sIGPIC][/sIGPIC]

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'Copy and paste' jobs in other words. Although when sending a cheque they will get a signature that way so if you are concerned about it send a postal order instead.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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  • 1 year later...

Hi,

I am owing a payday loan company it is now going to intrum justinia.

Will they accept small monthly payments. The last time i spoke to intrum thy demanded full balance. I put the phone down.

What can i do to get them to agree to affordable monthly payments?

PLEASE HELP

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  • 3 months later...

It could not be simpler porth. Keep on putting the phone down every time they call so that they don't have a chance to bully you with lies. If you get letters BIN THEM. NEVER EVER reply to a DCA. Don't write, don't phone. Their stock in trade is verbal bullying. They will not take a debt further if they don't get a result, they usually sell it on to another agency so the process begins again. Then, learn from your mistake of having talked to them and simply ignore them.

 

It's generally a waste of time thinking about your credit rating- by the time these parasites get hold of it the damage is already done and won't be repaired by you adding to their profits.

 

In the (fairly unlikely) event that anyone knocks on your door, remember this:

 

1. They have no right to enter or remain on your property. Tell them to leave, if they argue or refuse your options are to use such force as is reasonable to remove them from your property, or to call 999 Police and tell them you are afraid there will be a breach of the peace as a trespasser refuses to leave.

 

2. They have absolutely NO RIGHTS WHATEVER to take or attempt to take any property belonging to you. That would be theft.

Edited by give them FA
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