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    • https://www.bindmans.com/news/neale-v-dpp-the-right-to-silence-citizens-duties-and-coronavirus-regulations   Perhaps the OP should have said nothing - and risked arrest!   "Firstly, the case calls into question the logic behind aspects of the criminal justice response to the public health crisis created by the Coronavirus pandemic...   "Secondly, it is clear that some police officers have misunderstood and misstated their powers, and citizens’ obligations, under the Regulations and at common law...   "Thirdly, the case confirms reasonable excuses for being outside are not limited to those explicitly set out in the Regulations. Police officers considering whether there are reasonable grounds for believing that an offence has been committed under the Regulations so that an FPN may be issued, or the reasonable grounds for suspicion that are necessary for an arrest, should give proper consideration to any explanation given by members of the public (and what a court might think of them) rather than only recognising those exceptions explicitly listed in the Regulations and/or government guidance...   Fourthly, the case is an example of a failure of the CPS review into prosecutions brought under Coronavirus Regulations, which has found that alarming numbers of cases were wrongly charged..."   Above quotes from the Bindman's article, not the decision.  Case arose from the first lockdown and was in Wales.  Same now?  Also was about not being at home - not mask wearing.    
    • No the first LBA was delivered by royal mail, but I responded by email, sorry if I didn't make that clear.   I look at redacting the emails tomorrow, got to get some sleep now.   Thanks
    • ok well that changes things alot. you've accepted one before by email  and now they are doing it again ..   might have shot yourself in the foot until now lets get some 1st aid done.   gonna be a pain to redact but i'm gonna need to see all the emails in/out please in ONE MULTIPAGE PDF from/inc  date of their last PAPLOC   redact them properly !! read our upload guide carefully   you may  think this is immaterial, but its not, esp important is their and your exact wording
    • OK I've looked back at my emails and it appears I've been dealing with shoosmiths since the start of 2019 when they sent a LBA that I'd totally forgot about.   I replied that I didn't recognise the debt and we got into a big letter tennis over the facts.   They then went quiet and then contacted me again in April 2020 asking for income and expenditure details to work out a payment plan with them.   After I responded with my covid comments they went quiet again.   And now they are back with another LBA and I haven't responded to that.   Hope that clears it up. 
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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

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Hi All,

 

Last week rec a letter from Crapbot quoting a ref number saying that I should call as a matter of urgency.

 

What do you think - Call or no Call !

 

Hope there not waiting.

 

Notts

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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I would advise:

 

DO NOT CALL.

 

Im sure many others would agree

 

BTK

Cabot At Court Stage

Barclaycard Settled, Amount Written off :D 12/02/09

Cabot At Court Stage(2nd account)

Skycard Now with Capquest, Threatinging SD

Next No CCA received, in dispute sent. Nothing heard for over a year

HSBC No CCA received, in dispute sent

EGG S.A.R sent 04/02/09

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Hi All,

 

Last week rec a letter from Crapbot quoting a ref number saying that I should call as a matter of urgency.

 

What do you think - Call or no Call !

 

Hope there not waiting.

 

Notts

 

 

Oh go on, You know you want to :D:D

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Im tempted but I just cant, something inside of me wont allow me to waste my time.;)

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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  • 5 weeks later...

Update

 

Letter rec yesterday states,

 

Dear Notts

 

Your Cabot account is overdue (didnt know I had a account)

Weve recently obtained confirmation that you live at the above address.Your account is overdue and we need to talk to you as soon as possible.(yeah I bet you would)

Contact us on blah blah blah and speak to one of our helpful customer advisors :rolleyes: about the options for repaying your account (what account).

Our aim is to help customers get their accounts cleared - so contact us now.

your sincerely

 

Crapbot

 

No details or account numbers

 

So is this another phishing letter ? what do you think ?

 

Notts

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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HI my advise is until they write to you giving information that allows you to see if this is your debt IE account number etc then just ignore them.

 

Would you pay me if I just wrote to you to say that you owe me £100 and no details, I think not it's just the same as them writing to you.

 

dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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I had one of these letters and just sent them a do not acknolwedge letter.

 

Given I am already dealing with them on another issue, I guess they linked the address.

 

I havent heard back from them since, so that's another one in the file under B!

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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  • 2 weeks later...

Update.

 

Yesterday received a letter giving account number amount owed etc letter goes on to state that Crapbot have now bought the debt and to contact them to arrange payments etc.

On the back of the letter it states that this letter acts as Notice of Assignment of my account to Crapbot and should be kept by me at all times.

Crapbot are now the legal owners of this account.

 

This is for a Cahoot Credit Card going back to 2003/2004 not sure when the last action was but certainly not long into 2004.

 

So, whats my best course of action ?

 

Notts

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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Update.

 

Yesterday received a letter giving account number amount owed etc letter goes on to state that Crapbot have now bought the debt and to contact them to arrange payments etc.

On the back of the letter it states that this letter acts as Notice of Assignment of my account to Crapbot and should be kept by me at all times.

Crapbot are now the legal owners of this account.

 

This is for a Cahoot Credit Card going back to 2003/2004 not sure when the last action was but certainly not long into 2004.

 

So, whats my best course of action ?

 

Notts

 

 

Send them the do not acknowledge letter, they will then come back with dates when the account was opened when it defaulted etc., and you might be able to work from there as to whether its SB or not.

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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anybody got a copy of the Prove it / Do not Acknowledge letter

 

ta

 

Notts

As a great man once said " All Men Can Fly But Some Only in One Direction"

 

Notts

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I have right here in the Debt letter templates. The letter you need is 17 saying you know nothing of the debt or you can send them letter 7 which is the CCA request. Just highlight, copy and paste it onto your word processing program on your pc. If you need any help let me know. Link below.

 

The Consumer Forums - Debt collectors

 

I hope this helps.

:cool::cool: Blondmusic :cool::cool:
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anybody got a copy of the Prove it / Do not Acknowledge letter

 

ta

 

Notts

 

I have a template request

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/189481-do-not-acknowledge-template.html

CapQuest Stat Demand ~ WON :D

 

Vanquis Overlimit & Late Payment Charges ~ F&F Settlement received - 2nd June 09

 

Welcome Finance CCJ ~ Set Aside 22nd May 09 ~ WON :D CCJ SET ASIDE WHOO HOOO!!!!

 

Capital One Charges & Default Removal ~ ongoing

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