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    • Thanks for this update. Obviously I'm very pleased that your guitar has been delivered and that you don't have to take any further action about this. On the other hand, I'm slightly disappointed because I was hoping that this might be an opportunity to deliver a serious slap against Hermes. Anyway, who knows why it happened like this – but the most important thing is that the item has been delivered and you're not out of pocket – and also probably you have learned a good lesson – don't use Hermes – or Packlink. It's a recipe for trouble.  
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    • I have debts of my own and will sort another advice separate for them as now I’m not working and a full time carer for wife & daughter I’m struggling to pay them so will want advice on letters to send them for reduced payments etc But for now I need to know what to do about PayPal as its really making me worry and is making me ill but ive got to try be strong and put on brave face for wife & daughter I dont want them picking up on something is wrong & worrying me
    • Help & Advice wanted on PayPal debt please I had someone staying with me for a while before they moved away and they had access to my PayPal account and was buying a few things and giving me the money no problem but then unknown to me until it was to late they had a gambling problem also and last off used my PayPal to fund online gambling . They ended up using £5,000 through PayPal and the first I knew was when I went to do some online banking and seen £1200 went out of my bank for PayPal so I looked straightaway and stopped / cancelled my bank letting PayPal take from my account . Then I logged on to PayPal and seen transactions 1 after another this going to total the £5,000 so I unlinked my bank & cards from PayPal account . Then nearly 2 weeks after I started getting emails and messages saying my account was in negative balance for £3,800 because they already had the £1200 . I’m in a bit of debt anyway and struggling so for this to happen left me feeling very ill to find they have spent thousands and left me without anything no money to live on or feed family even at the time as that £1200 that was took out of my account was all I had, I’m very annoyed and feeling very mad and very ill. Ive no idea how I can put this right as got no work no money because My wife got struck down with illness and disabled and I also have special needs daughter so I’m now a full time carer for both wife and daughter . I need to sort this but dont know how or best way to go about it. Ive had emails from PayPal and ive replied and explained plus went on live chat etc and asked for it to be logged and for them to please come to some payment agreement even though I cant afford it I know I got to put things right somehow but had no joy in chat and was just told pay into PayPal what I owe. So again I get emails and I reply but not getting any reply back to my emails . Ive not told my ill disabled wife about this right now as it would push her over the top and make her more ill thinking about it and its her Nephew to top things off so I know it would destroy her . Ive tried talking to someone with PayPal in live chat etc and emails as said asked if it can be logged showing ive been in touch regarding this matter and need to try sort it and also asked for them to contact me in writing so hopefully we can come to some sort of agreement to put this right but so far its been about 31 days now since account been in negative and ive had no phone calls or letters from them yet So what can I do and whats best way to deal with this I’m trying to pursue the person for these funds as we speak but know I’m not going to get anywhere
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Guest alderney1965dk

Mackenzie Hall & NEXT

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Guest alderney1965dk

Hi all


I received a letter from Mackenzie hall this morning phishing to see if I was at my address as I had moved in the last 2 years, they said it was for a debt I owed to Next, I told them that the unacknowledged debt was in dispute with Debt Managers, Robinson Way and Next, they stated that why did I pay Meritforce £35.00 previously (2 years ago) I told them that at that time I had not seeken legal advice, mainly this website, I did not mention it however. They said that because I had paid £35.00 previously then I could not have a CCA, I told them I could (Was I right) I understand that he may have been right. I also told him at the end of the call all future correspondence should be in writing only, he said so you are refusing telephone calls, I said yes, did I do right there?


I am now sending a letter, can anyone advise as to whether this letter is okay to send them;


Dear Sir/Madam,





I refer to my recent correspondence with your company concerning an alleged debt. I note with incredulity that you are still sending me letters in relation to this alleged debt. As Next have failed to comply with my Consumer Credit Act request and Debt Mangers admitted on the 5th May 2009, that they have closed the account due to not being able to pursue the signed agreement and you have stated the alleged signed executed agreement may be unavailable, enforcement action is impossible under section 127 (3) of the Act.


This account is unenforceable at law and it is now my intention to refer this matter to the enforcement authorities.


If you or Next makes any further contact regarding the alleged account I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. It is also my belief that your continued pursuance of this matter constitutes an offence under Section 40 of the Administration of Justice Act 1970.


Failure to respond favourably to this letter within fourteen (14) days of receipt will result in immediate litigation being commenced against your company without further notice. To explicate; I require that you cease ALL activity corresponding to the alleged account immediately. I also require a copy of your internal complaints procedure as further action may be necessary.


If you do not understand any of the contents of this letter you should consult a qualified solicitor


I look forward to hearing from you in writing.


Sorry the post is a long one but I need some info before I fire it off



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Absolutely you are right to refuse calls.

Refuse to answer security questions if they ring again & report these rogues to the OFT/trading standards.

Edited by mr.ton

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MH are already in the OFTs radar so make another complaint stating that "They said that because I had paid £35.00 previously then I could not have a CCA." debtcollectionguidance@oft.gsi.gov.uk

Anthrax alert at debt collectors caused by box of doughnuts


Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.


Vir prudens non contra ventum mingit



17 Port & Maritime Regiment RCT

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Guest alderney1965dk

Email sent


Thanks a lot for that address.:smile:

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If Debt Managers and/or Robinson Way faled to respond to a CCA request they had no right to pass the matter onto MHall. This should be enough to get them off your back. Writing to them and telling them in simple terms this should be enough. If they don't your next letter would be to the OFT pointing out their misdemeanours.


Did you pay mritfarce £35?

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Guest alderney1965dk

Yes I paid them £35, but that was in 2007/08 and well before i realised I could have a copy of the CCA, hence when I found this website I have gone to it on all occasions.

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