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    • I just got the same response from Hermes below. What would you advise I do next?    "I am sorry you have had to contact us regarding the delivery of your parcel.    I have looked into your concerns and understand that as as you selected the maximum compensation level of £300 Hermes cannot exceed this amount as per your contract.   So that we can process this as quickly as possible for you, we kindly request that you send us some details:   - your bank sort code - your bank account number (the short one, not the long card number) - your name as it appears on your bank card   Once we have received the above information, we will send you a further email once the payment has been processed. This can take up to 5 working days to reach you   Please accept my apologies for the frustration this has caused you.       If you require any further assistance, please don’t hesitate to contact us."  
    • Hi had a call today and the number is associated with Moneyboat why would they be calling this close to the court hearing? Any ideas welcomed    Thanks G
    • Hello   In my view  a self imposed bankruptcy is not necessary.   Your friend just has to accept the situation he is in and set things up to deal with it.   I think that by following a plan off filing everything, saying nothing and letting the Creditors do all the work he will come out of it in the end.   He may need to get his girlfriend on board but once he understands what these creditors can (and cannot do) it may well become less of a worry and more of a sport!   In post #8 you asked for the stages of collection so based on my experience since 2006 I will give you the various stages and make some other comments:   You fail to meet a payment date:- the creditor writes a reminder letter You ignore the letter, they send another letter and possibly emails, SMS and phone calls, all of which are ignored. The cycle continues for a period of time with a number of letters arriving from the creditor. Sometimes the case will be handed off to a Debt collector for a time which is nothing more than a company set up to make phone calls and write automatic letters. They have no power and can be ignored. At some point the creditor will issue a Default notice. This is legally important to the Creditor (but not necessarily important to your friend as it is required by the consumer credit act before any other action is taken. It will give a date by which you must do something usually to pay the arrears. If you don’t pay the arrears then you are in Default and they can go to the next stage. After a period of some months account closure usually follows. It is unlikely the Creditor will take legal action. After a period of time where you continue to get periodic letters and communications from various debt collectors the debt is sold typically for 10p to 15p in the £ to a Debt buyer. This might take six months or as much as a couple of years. You receive a “goodbye” letter from the creditor which says it has sold the debt to the buyer. You receive a “hullo” letter from the debt buyer which tells you that I now owns the debt. Sometimes the above two are in the same envelope.   The debt buyer will start out very friendly but will then get more aggressive. Even at this stage it is best to ignore them. They will sometimes offer you an amount less than the full value to get a quick profit from their purchase. You might want to take advantage of it but I take the view that if they had a strong case to get everything why would they settle for less? They know they have a weak claim when you get this kind of letter. At some point they will do an assessment on you to decide if it is worth taking court action. The bigger the debt the more likely it is, also if you are seen to have assets such as a property or shares. They will start by instructing a solicitor to send a Letter Before Action. This states what they think you owe them and gives you a set amount of time to pay it or respond with payment proposals. It may be wise to respond at this point but best to refer it to this forum for proper advice on what to do. After you fail to respond to the above they will pay a court fee and issue a County court Claim. You will receive a claim pack from the court with a number of sheets of paper; the claim itself, an acknowledgment of service, a defence form. The claim is usually created on line with the solicitor typing in the details. The Court then automatically prints and sends the claim pack. As a result it will not have any supporting documents such as original agreements, statements or anything else. IMPORTANT: this is the first document you absolutely must respond to. First thing to do is find the paper that says acknowledgment of service and send it back. This gives you 28 days to respond instead of 14. If you don't do this or immediately defend then after 14 days you will automatically loose. After this you are into the world of defending the claim which is usually very defend-able as the Solicitor has in all likelihood not provided you with any documents. This is because neither he nor his client have any and they will have to go back to the original lender to get any and very likely they will not get them. (In my own experience I helped a friend by writing to ten creditors asking for copies of the original agreement and not one came up with anything). It is possible you could loose the case in which case you still owe the money and are not much worse of than before because the creditor still has to collect it and without assets it will take a long time to pay off.   Overall, though I don’t think it is a great idea to be in debt, given the extent to which your friend is buried my advice is to consider the old adage “If you owe a tenner it is your problem, if you owe Ten thousand it is their problem”.   To that extent I would follow this plan:   Save all correspondence including the envelopes they arrived in. Do it in chronological order and have separate folders for each debt. As a rule, ignore everything unless it comes from a solicitor or the Court. I cannot stress this enough. Be a black hole into which letters, emails, texts and phone calls disappear, never to be answered, replied to or spoken to in any way. Some people just cannot shut up! Make sure your friend does! The exception is if your friend changes address in which case write to every creditor (or debt buyer that has bought the debt) and advise of change of address WITHOUT signing the letter as such, just type the name at the bottom.   (This is so they don't send court documents to the old address). In most if not all cases that will be it. Just keep filing until six years have passed or five in Scotland. This is because after that time the debt becomes statute barred and the courts will not consider it as it has become too old. (The statue barred date begins 14 days after the date of the Default notice mentioned above and six years after that it is all over for court action). In one or two cases a Court Claim may be made in which case defend it which is a whole other ball game but basically ask them for proof of the debt which they very likely cannot provide, if they can provide challenge it's enforceability,  mostly it's game over for them.   Your friend can start to get on with his life if he follows this plan and learns to accept that these debts are not necessarily the millstone he thinks. He can live within his means and have a good and fun life which is what he deserves. The original creditors have accepted some money from the debt buyer so presumably are happy and the debt buyer will make a profit across the whole bunch of debts he bought even if he makes nothing from your friend so he is happy. If nether of them are happy then they should not have got themselves into the situation in the first place.   As always I finish my comments by saying I am not a legal professional just a guy that got into to trouble in 2006 and learned a lot of this stuff along the way.   I welcome any comments from other CAGers, particularly if they spot any mistakes.
    • There were 1,348 company insolvencies recorded in August 2021 in England and Wales, according to the latest figures published by the Insolvency ServiceView the full article
    • Do not appeal. Please can you complete the questions below. If their NTK is wrong they cannot transfer the liability to pay from the driver to the keeper. If they do not know the name of the driver then they are stuck. No-one to claim the money from. In any event most of the roads on the airport  either come under the Road Traffic Act or the airport Byelaws. if they do then not even the driver is liable since Apcoa has no right to issue tickets for either of those type of roads. But they still do and people still pay them.     
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Just how many secret credit agencies are there?


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  • 2 weeks later...

On the subject of the DPA, I had an interesting chat with Experian the other week and the very helpful advisor volunteered a little piece of information. Whenever you apply for finance and are turned down, you are entitled to appeal that decison. Now in communication with various mortgage companies, so many of them say that there is no appeal if you are turned down for a mortgage:eek:

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  • 1 month later...

http://www.opsi.gov.uk/si/si2008/pdf/uksi_20082353_en.pdf

 

Here is proof of a direct link between the Government and N. Hunter Ltd. An amendment to an Act of Parliament.

 

The Government has passed a law stating that the government departments and local authorities can pass any information held on you to these specific listed commercial organizations. In turn, these organizations can provide the same authorities with information they hold on you from other commercial sources, such as banks, your applications, etc.

 

(a) CIFAS;

(b) Experian Limited;

© Insurance Fraud Investigators Group;

(d) N Hunter Limited;

(e) The Insurance Fraud Bureau;

(f) The Telecommunications United Kingdom Fraud Forum Limited.

Edited by Danchi
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I have also received this letter from National Hunter.

 

They say they hold no data about me (but have kept my £10 anyway!).

 

nationalhunter.jpg

 

Thats probably why your application was declined, Cos they have no record or information about you

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http://www.opsi.gov.uk/si/si2008/pdf/uksi_20082353_en.pdf

 

Here is proof of a direct link between the Government and N. Hunter Ltd. An amendment to an Act of Parliament.

 

The Government has passed a law stating that the government departments and local authorities can pass any information held on you to these specific listed commercial organizations. In turn, these organizations can provide the same authorities with information they hold on you from other commercial sources, such as banks, your applications, etc.

 

(a) CIFAS;

(b) Experian Limited;

© Insurance Fraud Investigators Group;

(d) N Hunter Limited;

(e) The Insurance Fraud Bureau;

(f) The Telecommunications United Kingdom Fraud Forum Limited.

 

That's very interesting. I have recently had a case against a local council as well, so perhaps I will SAR N Hunter again in a few months and see if they have anything new about me.

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  • 11 months later...
That's very interesting. I have recently had a case against a local council as well, so perhaps I will SAR N Hunter again in a few months and see if they have anything new about me.

What if national hunter do not hold information on you or anyone else , what if they gather information send it on then destroy what they had when you SAR them they could then say we do not hold any information MAKES YOU THINK :idea:

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Talk about paranoia

Idont think anyone on these forums is paranoid, i think we are trying to get the truth from an ever growing tangled web of lies and corrupt companies using every which way they can to get every penny they can from us aided and abetted by government bodies , slimy corrupt polititians and shadowy organisations who hide behind laws that are suposed to protect us:mad:

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Fact 1 cra collect information on us Fact 2 there is an ever growing list of these companies Fact 3 they try everything they can to not give us the information they hold on us Fact 4 They were started to give banks a good idea of who was a good payer a good risk Fact 5 They have expanded and now offer debt collection ,conflict of interests methinks FACT 6 THEY PAY POLITITIANS IF YOU WANT THE PROOF SPEND A LITTLE TIME READING THE STICKYS AS I CANT BE BOTHERED TO FIND IT FOR YOU

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I've read this forum for many a year and dealt with a lot of these bottom feeders. For you to suggest I read more having just joined and 6 post shows naievety at best and ignorance at worst. I refuse to speculate as all it does is become a vehicle to increase peoples worry.

 

Your suggestion was just that. If somone can offer real evidence then we can discuss it further.

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I've read this forum for many a year and dealt with a lot of these bottom feeders. For you to suggest I read more having just joined and 6 post shows naievety at best and ignorance at worst. I refuse to speculate as all it does is become a vehicle to increase peoples worry.

 

Your suggestion was just that. If somone can offer real evidence then we can discuss it further.

Then dont speculate and dont speculate about me as i am on another forum as well i have been for years i have helped hundreds of people defend themselves against bottom feeders as you call them Istand by what i have said.

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Paranoid conspiracy stories ,i have spent a long time researching dca and cra , banks ,dwap , dvla, and many others which i wont go into ,along with many others i have found links with government and many other shadowy organisations i am at the moment preparing legal argument to take some of these untouchables to task that for obvious reasons is all i have to say to you on this matter

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I would have expected better from someone like yourself JonCris. All I have said is let's be careful of starting fires without enough fuel to keep it burning.

 

I'm open to debate it I can see something worth discussing. All that was said by Yalnif was 'what if' although he now seems to be alluding to something different. If that is the case then I will look forward to seeing the evidence. I wasn't being cynical.

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I grew a little tree i was so happy as i wached it grow, i invited all my friends to take a look , but then i started to get paranoid, what if someone found my little tree, i thought about it for a while ,where can i hide my little tree, then it came to me i will hide it in the forest, but paranoid little me started to worry , what if someone stumbled about the forest looking for my little tree and found it, again i thought about this for a while , i talked about it with my friends , one of them said why not hide a leaf on one tree then a leaf on another tree untill you hide all the leafs, great idea,my friend was clever he could read and write, he made me a lovely computer programe that did not have a picture of my tree but it new how to find all the little leafs so i could look at my little tree anytime i wanted so could all my friends ,safe in the knowlege that someone might find a leaf but they would never find my little tree.

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