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    • Link deducted the £1 I sent for the credit agreement request from the judgement balance even though I made it clear in the letter for them not to. So i'm assuming that this will make the transaction complete and making them the legal owner now.   At the time I thought the credit card had been cut up and didn't know the mortgage was being paid on it. Hence why I was so shocked that RBS allowed this much to be burrowed on a card.
    • well get something sorted so the CCJ doesn't happen  then go after vanquis under IRL, might get all or most of the balance wiped......just musing..
    • probably one of the freeman of the land 3 letter syndrome twaddle companies that have been popping up on facebook of recent.   there was a rather large d-live conversation resulting from one of them if you followed the rabbit hole links on facebbok whereby the two main protagonists behind most of the adverts in various fake company names  claimed they had got the rankines case over thrown and you could now win by following the old twaddle. it got removed over xmas.   as for dealing with the defaults...1st i hope you've not settled these to DCA's have you?   if the defaults were a true reflection of the way you operated the accounts (bar the one you claim in not yours...more later) there is little you can do sadly, though appealing to the better nature of the original companies whom registered the default sometimes works esp if you settled the debt with them not a DCA.but why would they have sold it if you'd settled the debt. sadly i think you've been had blind if you've paid any DCA anything .   as for defaults preventing a mortgage got to a proper broker that knows his onions,  2 are settled so shouldn't be of an issues 1 you say isnt your ...tell us about  one is with lowells now and unpaid...whats was the debt and with whom.   we have known people to get a mortgage with 5 defaults here all from 2018/9 period without having to get done over by a high rate of interest. in this current climate it should be easy now to get a mortgage...
    • Have you tired just saynoto0870 for alternative numbers, url below takes you to 0870   https://tinyurl.com/srzwr9bk
    • Thanks for your feedback.   Is there a recognised process that you’re aware of to challenge these Defaults?  Thanks for your feedback.   Is there a recognised process that you’re aware of to challenge these Defaults? 
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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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Not as far as I'm aware. I think they are a bit nervous about being challenged through the "Extortionate Credit Bargains" legislation in the Consumer Credit Act. From what I know their DCA tends to be in-house (same address always a give away)

"Evancosmo" is short for the evanescent cosmopolite.




1st Credit: CCA request sent

Cabot: failed to provide CCA - s.10 DPA letter sent

Capquest#1: failed to provide CCA - s.10 DPA letter sent

Capquest#2: failed to provide CCA - s.10 DPA letter sent

Abbey: on going

Equifax: "attributable data" CCJ removed - Aug 09


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Hi matam2k, welcome to CAG!


It sounds as if you are about to, or already have, default. Whatever the reasons, that's your business (even though CAG don't condone debt avoidance), feel free to post here for advice on how to deal with them. They are shady characters and will often behave illegally.

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Good morning,


I am up to my neck with these firms and (so far) nothing on CRA files (I have on line access through Experian).


This of course may change! :roll:


As T2upnorth says they can and will use every means at their disposal to get their payment. Whilst completely agree do not condone debt avoidance (have been quite open that well meaning but foolish actions are still foolish actions in getting me here!) if you cannot either repay your loan in full or keep "rolling it over" (and therefore maintain yourself in perpetual debt and on the edge of the dark road of further loans of this type to keep the previous one going) they will essentially treat any attempt that you make to come to a repayment arrangement as debt avoidance!! There are exceptions but most of them either want you to stay in debt with them forever or if it looks like you will not do that fleece you for the whole sum they are "owed" as soon as possible (and in one case with me even take MORE than they are owed!).


At risk of sounding like the debt equivelant of a reformed alcoholic so will stop now but best of luck, hope you sort them out :)

MJC 007.5 :cool:


Advice or opinions offered by mjc 007.5 are personal, offered in good faith and without prejudice or liability. Your decisions and actions are your own and should you be in any doubt then please seek the opinion of a fully qualified and insured professional


:) If you think I have helped you please feel free to click on my scales :)

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thanks for your replies so far , i havent defaulted yet but will this month, i have 4 that are due end of month, payday uk £375 . ptp £519 , quickquid £250 and wonga £260 , i'm going to pay the wonga one off as from reading on here they seem to be the worst. Ive been rolling them over for too long now and never getting out the cycle and never have money for anything else. I do intend to pay them all off as soon as i can but think it would be better on my terms and when i want to. I am going to cancel bank card say lost it, and delete any direct debits. If i say lost the card will they for sure not be able to get hands on money in my account after new card issued? Thanks for your help.

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Matam2k. If all they have the details of your Debit Card, then cancelling or 'losing' your old one and getting a new one will stop any post dated Debit Card payments they may have going through.


I do on occasion use Payday lenders, luckily never to have had problems repaying. So once your debit card has been stopped the balls in your court. I'd recommend calling the companies up and making them an offer of repayment. i.e. £20-£50 p/m per lender? Tell them you are in financial difficulties due to over committment and see if there's a possibility of a suspension of interest and charges. The rationale behind that being that they would rather re-coup some of their inital capital then loose it all (damage limitation)


Don't what ever you do keep rolling over, its money down the drain!

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I echo what 1980 said. i have had many payday loans and when i reached difficulty i came up with my own repayment schedule - i offered something like £40 a month. They have the philosophy of wanting some of their money back, they know that they cant get blood out of a stone. If you go debt management, they often offer £1 a month and this is stupid as a. they get v little back and b. you are often extending a typical £200 debt over 3-4 years.. Has anyone completed what is called a financial statement with a payday lender? This i have been asked for by bigger creditors before and it summarises what you have got coming in and what you have got going out.. and the idea is that it comes up with a figure that you can afford to repay...

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Well i have cancelled my bank card said it was stolen, so new on way, will cancel direct debits 2 days before due to come out. I'm just worried about getting bad info on my credit file as all the defaults i have will drop off end of this year. But hopefully no info will be recorded on files if i stick to arrangement with dca when goes to them.


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