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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Madmart58
      Lost items sent through Parcel2Go and EVRi

      By Madmart58 · Posted

      Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Angryman1404
      IDRWW letter and email received this week

      By Angryman1404 · Posted

      Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • honeybee13
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By honeybee13 · Posted

      Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • theoldrouge
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By theoldrouge · Posted

      So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  

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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

What do I do with Red DC Services Letter?

YorkshireGirl

By YorkshireGirl
in Debt Collection Agencies

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YorkshireGirl

YorkshireGirl

Posted
Posted

*apart from the obvious use it as loo paper*

 

In January I got a letter from Red Debt collection services about a debt with Vodafone totalling £465.94. I used to have a Vodafone contract ages ago but cancelled and got rid. Besides I had a £50 limit on the account I think so there is no way I could have built up a debt of over 9 times the amount.

 

The letter is from the "Pre Litigation Department" but this is the first I've heard from them. The letter stats that the may commence legal action and apply to a court for

bailiffs,

attachments of earnings,

a charging order on my house (I rent a student house with friends can they do this?)

payments direct from my bank account via a 3rd part debt order.

 

 

I'm not sure what to do here, I assume because Vodafone isn't a credit card I can't send the CCA letter? Any advice?

 

Thanks

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cerberusalert

cerberusalert

Posted
Posted

Send them the 'prove it' letter;

 

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

**Edit to suit**

 

Remember, don’t sign the letter.

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rory32

rory32

Posted
Posted
I'm not sure what to do here, I assume because Vodafone isn't a credit card I can't send the CCA letter? Any advice?
Most mobile phone contract are not covered by the Act, so initially send the prove it letter posted above. I would add to the letter the sort of evidence you require e.g. a copy of the contract and any terms and conditions relating to the contract as well as a statement of account.

 

Even if this is in relation to your old Vodaphone contract you can still dispute any sum claimed as owing on the grounds of any charges added to the account and also any unfair terms in the contract.

 

Lowells (who Red are part of) were on Watchdog recently for sending out threatograms to people for old mobile phone contracts where either they had got the wrong person or the amount claimed as owing was complete rubbish or the debt itself was statute barred. You might wish to let Watchdog know that nothing would appear to have changed, despite Lowells promises.

 

As for their Pre Litigation Department, this title is completely meaningless and you should treat them with the contempt that they so richly deserve.

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

 

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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YorkshireGirl

YorkshireGirl

Posted
  • Author
Posted
Most mobile phone contract are not covered by the Act, so initially send the prove it letter posted above. I would add to the letter the sort of evidence you require e.g. a copy of the contract and any terms and conditions relating to the contract as well as a statement of account.

 

Even if this is in relation to your old Vodaphone contract you can still dispute any sum claimed as owing on the grounds of any charges added to the account and also any unfair terms in the contract.

 

Lowells (who Red are part of) were on Watchdog recently for sending out threatograms to people for old mobile phone contracts where either they had got the wrong person or the amount claimed as owing was complete rubbish or the debt itself was statute barred. You might wish to let Watchdog know that nothing would appear to have changed, despite Lowells promises.

 

As for their Pre Litigation Department, this title is completely meaningless and you should treat them with the contempt that they so richly deserve.

 

Thank you both. I have changed the letter and added the following sentence - is this still correct?

 

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would like to see a copy of the original contract that I have allegedly signed, the terms and conditions relating to this alleged contract and a statement of account.

Also thank you for the tip on watchdog, I shall look into this and contact them when I have received a reply from red.

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  • 1 month later...
YorkshireGirl

YorkshireGirl

Posted
  • Author
Posted (edited)

Hi there,

 

I have finally received a reply from RED.

 

They have sent me the attached - if this all they need? I'm a bit concerened that the statement for account number and my vodafone account number do not match - someone has written my old vodafone account number in pencil at the stop of the sheet.

 

If this now enforcable? I haven't signed anthing on here and the numbers seem a bit random.

 

Thanks.

 

 

 

Thanks

Edited by YorkshireGirl
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the_shadow

the_shadow

Posted
Posted

errr exactly how does that prove you own the debt... is your name or anything related to you on those printouts bar the pencilled in vodafone account number..

 

I would be inclined to write back stating you need proof connecting you to this debt as this could refer to anyone, and as they have yet to provide proof you will not pay until they do so. For them to seek legal redress or threaten it without providing the proof of debt is a breach of OFT debt collection guidelines.

 

A duplicate monthly bill that ties in with a value on the printouts they have provided is what they should send to be honest.

 

S.

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ODC

ODC

Posted
Posted

A Statement isnt worth the paper its printed on. They need something with your signature on it like a contract. I could rustle that statement up on MS Word in a couple on minutes and at least I could incorporate a Vodafone logo.

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Toulose LeDebt

Toulose LeDebt

Posted
Posted

 

I'm a bit concerened that the statement for account number and my vodafone account number do not match - someone has written my old vodafone account number in pencil at the stop of the sheet.

 

 

Does this not answer your own question?

 

I would write back and say 'account in dispute since the account number of the statements provided do not match your Vodafone account number, ergo this has to be somebody elses debt'.

Take a minute to remind them that they have already produced one vodafone statement totalling this exact amount in somebody elses account number so if they were now to magically produce another statement with exactly the same totals but in your correct a/c number you will obviously be forced to have this investigated further as you saw Watchdog the other month.:p

 

In the meantime I'd be writing to the OFT complaining that they are chasing you for someone else's telephone debt.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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ODC

ODC

Posted
Posted
Does this not answer your own question?

 

I would write back and say 'account in dispute since the account number of the statements provided do not match your ALLEGEDVodafone account number, ergo this has to be somebody elses debt'.

Take a minute to remind them that they have already produced one vodafone statement totalling this exact amount in somebody elses account number so if they were now to magically produce another statement with exactly the same totals but in your correct a/c number you will obviously be forced to have this investigated further as you saw Watchdog the other month.:p

 

In the meantime I'd be writing to the OFT complaining that they are chasing you for someone else's telephone debt.

Dont even admit you had a Vodafone account.;)

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YorkshireGirl

YorkshireGirl

Posted
  • Author
Posted

Thanks for your comments:

 

I've knocked up this letter in response - its a cut and paste job but will this do the trick?

 

Thanks

 

I refer to your letter dated 9th April 2009 the contents of which are noted. I refer you to my previous letter in which I demanded written proof this debt is mine. To date I note you have failed to produce a single document which proves I ever had a contract with Vodafone.

Firstly I requested a copy of the original contract including my signature, something that you have not provided. Also the so called Statement of Account is simply comprised of a lot of meaningless numbers. The account number on the statement does not match the Vodafone account number that you allege belongs to me. This does not inspire confidence in your company. I saw the recent BBC Watchdog television program where you were found to be incorrectly hounding people for fictitious debts.

 

Until you can produce a signed copy of my original contract note that I will not enter into any further communication with you and should it be your intention to proceed with legal action please be advised that this will be strenuously contested.

Regards,

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  • 4 months later...
YorkshireGirl

YorkshireGirl

Posted
  • Author
Posted

Hi everyone,

 

Just wanted to come back and say a big thanks to all who helped me with this! I've been away from my uni house for teh summer and got back and recieved this letter from Lowell:

 

Dear Miss *****

We write in reference to the above account.

Unfortunatly, Vodafone have not been able to supply the statements you requested so after reviewing your account we are prepared to take a commercial view in relation to this matter and as a guesture of goodwill and strictly without any admission of liability, we have decided to close the account and write off any outstanding balance.

However, should statements become available at any time in the future we reserve the right to reinstate the balance and contact you with a view to recover the full amount owing.

 

RESULT!!! Thank you so much CAG.

 

Just one question - can I ask them to remove the default they have placed on my credit file?

 

Thanks once again.

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ODC

ODC

Posted
Posted
Hi everyone,

 

Just wanted to come back and say a big thanks to all who helped me with this! I've been away from my uni house for teh summer and got back and recieved this letter from Lowell:

 

Dear Miss *****

We write in reference to the above account.

Unfortunatly, Vodafone have not been able to supply the statements you requested so after reviewing your account we are prepared to take a commercial view in relation to this matter and as a guesture of goodwill and strictly without any admission of liability, we have decided to close the account and write off any outstanding balance.

However, should statements become available at any time in the future we reserve the right to reinstate the balance and contact you with a view to recover the full amount owing.

 

RESULT!!! Thank you so much CAG.

 

Just one question - can I ask them to remove the default they have placed on my credit file?

 

Thanks once again.

Glad to see the Leeds losers living up to their name

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cerberusalert

cerberusalert

Posted
Posted
Just one question - can I ask them to remove the default they have placed on my credit file?
You could try a s.10 notice http://www.consumerforums.com/resources/templates-library/86-debt-collectors/586-legal-notice-issued-under-section-10-of-the-data-protection-act-1980 and have a read of; Knocked back by a DCA on a Sec 10 notice? - The Consumer Forums
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