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    • Hi All,  I would appreciate a bit of advice re a speeding offence.    I lease a vehicle and the leasing company received a Notice of Intended Prosecution (NIP) dated  7/1/21  relating to an alleged offence speeding offence (fixed camera) on 12/12/20.   As soon as I heard from the police, I wrote back and informed them that the notice was well over the 14 days set out by the Road Traffic Act. and sent them a copy of the notice issued to the leasing company dated 7/1/21.   The police persisted in simply replying and advising me that the it was issued within 14 days! After four letters from me, asking them to explain how this could possibly be within 14 days, they eventually put a bit more meat on the bone and said that an NIP was sent out on the 15/12/20, which would, of course, be within the statutory time.    I then contacted the leasing company again,  and they have confirmed that the only NIP that they received was on 7/1/21, otherwise, they would have contacted me earlier!     The NIP dated 7/1/21 presents as an original notice, not a reminder; not sure if that is relevant.    Any suggestions as to how to deal with this one?     Many thanks.      
    • was your car on the public highway.? and how far were you into the LBL when they took it.?   outline when you took the loan out? for how much and how many months for?   dx  
    • Yes, if you don't want their money then this is the time to write to them rejecting the offer and threatening to start County Court proceedings and 14 days. Don't imagine that your letter of claim will have any effect. It simply a formality and you will have to issue the court papers. If you want to send a letter of claim then post up a draft so we can have a look. Keep it short and to the point. Make sure that you understand the next step – which is issuing the claim
    • i've done it now.  
    • Sorry,  it won’t let me edit it.
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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

"Your conduct in this matter is unacceptable" Oh dear looks like Reliable are upset....shame


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moorreply.jpg

 

 

 

Well that was soooo easy, but just goes to show they dont read what you send them properly, (you need to know what i sent but trust me that reply shows they did not read it correctly, so have made themselves look even dafter :razz:)

 

Wonder what JD-W will come up with next:rolleyes::D

Edited by blind-as-a-bat

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Well, they have moorcrap involved...It doesn't get dafter than that :rolleyes:

"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...

 

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Well, BAB, it seems as though some progress is being made :D

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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moorreply.jpg

 

 

 

Well that was soooo easy, but just goes to show they dont read what you send them properly, (you need to know what i sent but trust me that reply shows they did not read it correctly, so have made themselves look even dafter :razz:)

 

Wonder what JD-W will come up with next:rolleyes::D

 

 

I love reading squirming DCA letters like that :lol:

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  • 6 months later...

Just thought you all may like an update on this, after admiting in writing they could not persue it through legal channels, they have employed fredricksons who, yep you have guessed it threatened legal action, followed by Brian Carter doing the same:rolleyes:

 

Now I know he will not like my reply, but i have got past careing, and hope he does waste his time and money, as for other reasons, he wont get a bean:p

 

You could say we have reached a state where heads i win, tails he loses;)

 

 

PS ooops, note to self, need to update the links in this thread

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Just thought you all may like an update on this, after admiting in writing they could not persue it through legal channels, they have employed fredricksons who, yep you have guessed it threatened legal action, followed by Brian Carter doing the same:rolleyes:

 

Now I know he will not like my reply, but i have got past careing, and hope he does waste his time and money, as for other reasons, he wont get a bean:p

 

You could say we have reached a state where heads i win, tails he loses;)

 

 

PS ooops, note to self, need to update the links in this thread

 

If you wait 7 days good ole Bryan will have applied for Judgement by default with his pals at Northampton

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If you wait 7 days good ole Bryan will have applied for Judgement by default with his pals at Northampton

 

Who cares, a bankruptcy petition will lay a CCJ to rest anyway.

 

If it was me who had to fight this i would, but there are two i cant fight, and win even so.

 

But it is not my debt, its my OH and she cannot fight it, for mental health reasons, and thanks to the joke that is the legal system, i cant do it for her as her health problems are not bad enough:rolleyes:

 

That said, i can still win, in a round about way, just hope i can string it out to cost them as much as poss first;)

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This thread has certainly made me laugh many times, how dumb can these people be !

 

Well done for carrying on for so long, deffo report them. Even if you are going to apply for BR.

 

:) well done again

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Yep, report all DCAs concerned to all arbitration bodies concerned.

 

Then, as your conduct clearly is unacceptable, go and sit on the naughty step - before a collector takes it from you.

 

Reliable cracks me up - that has to be one of the most laughable lines in any DCA correspondence from any company.

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  • 7 months later...

Finaly got a reason to dust this of and update, and trust me, this is the iceing on the cake:rolleyes:

 

 

Well, Brian must not have fancied it, but it looks like Moorcroft have lost the plot, after sending this in March last year

 

 

 

 

moorreply.jpg

 

 

 

I got another one of these yesterday.

JDWMoor.jpg

 

 

 

Just when you thought they could not make themselves look any dafter, they do :eek::lol:

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if it is not actually read by you --- :D:lol::lol: cracks us up that

 

Should of taken the hint by now there is no paperwork exists, DCAs are not the sharpest of tools

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:eek:

 

Dear Moorcroft,

 

You were unable to collect on this account when you were acting for ABC.. what on earth makes you think you can now collect on it acting for CBA.. it is still the same account, and it is still subject to default of s78.

 

Pursuing an account when you know full well it is subject to dispute is in breach of OFT Guidelines. Oh, but you would know that wouldnt you.. because I pointed it out to you the last time... muppets.

 

Yours

 

really, really ticked off.

 

 

:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Get a poster size piece of paper, some large crayons and have some fun :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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Subbing... and thanks for the laugh, needed it today! :D

"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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  • 3 weeks later...
Guest Cartaphilus

The more I keep seeing this thread title the more I keep thinking about what they might do or say:

 

1) Tell someone to go stand on the 'naughty step'

2) Stand in the corner

3) Straight to bed with no porridge

 

Well, you can see ... I hope. :D

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cartaphilus you forgot to say that tandrum will only make your punishment go on longer.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Aren't Reliable on the way out? If so, I need to find someone else to laugh at.

 

Really? Please tell me more - I need cheering up.....:D I am in the middle of 8 formal complaints with them not one has been addressed yet and their 20 days to deal with the first couple end on Friday.

Welshwizard QC (Quite Content):rolleyes:

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