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    • Firstly, even if they get away with this, it doesn't mean you won't win.  The solicitor can eloquently waffle on as long as they like that the signage isn't carp.  I'm afraid the signage is carp and the photos show it is.   Virtually everyone who has beaten these companies in court was facing a solicitor, but still won.   So do what dx, Andy and the court woman said.  Write to the court now pointing out this is a supplementary WS and it was submitted to you & the court 17 days after the deadline albeit with a date on to pretend it was written before the deadline, and you invite the court not to accept it.   If you get nowhere, then challenge it on the day in court.
    • 21st April for them to produce, personally I think this is way too much time for them😪 Order of the Sheriff-1.pdf
    • My daughter has been selling unwanted items, mostly clothes, for a couple of years now with no problems until recently.  She sold to someone in Germany before Christmas, which was claimed never got there, so obviously paypal refunded the buyer, no questions, despite her never having any problems before now, which left a negative balance.  She sent it using Hermes, something I have only just realised was a big mistake.  She has proof of postage given to her when the package was collected, although the reference number is now not recognised by Hermes, so getting in touch with them to find out what happened to her parcel is impossible (as many social media platforms have confirmed this).   So the outcome is that while we were trying to get in touch with Hermes, paypal have, very quickly, passed this on to Moorcroft who are now hassling her.  I have told her not to worry about Moorcroft as everyone knows how these people operate, I have reassured her that there will be no visit to the door from anyone.   The only concern she has is whether it will affect her credit file, as she has worked hard to get a good credit rating over the last 4 years and doesn't want something like this to destroy it.  My thought is that it can't as it is not credit, and she hasn't gained financially in any way, quite the opposite really, so it can't have any negative impact on her credit file?  She is prepared to give Moorcrost the money just to get it sorted, but I don't want her to be hasty in giving them people anything.   I've looked at a few posts similar to this and my understanding is that this is correct but just need reassurance to pass on to her.   Thank you
    • It was granted on 17th Feb and i requested to their Leeds address below:   Hermes UK Capitol House 1 Capitol Close Morley LEEDS LS27 0WH   This does look like the correct Hermes UK office address though?
    • You have a judgement against Hermes? When was it granted? You should apply for execution of the judgement immediately. You shouldn't even be asking us. One thing though – you should check that you have actually serve the papers on a real physical address. We have had one case recently against virgin where we discovered that the papers have been served on a postcode – but it was actually a redirection address and that there was no physical address which could be visited by bailiffs. What address did you use for the claim?
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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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It seems Provident loan company have jumped on the DCA collection band waggon.

I recieved a letter today informing me that Wescott had passed my details to them for an old debt (nearly statute barred).

They are offering me a loan to clear the debt,and the letter states they are sending one of their friendly agents to my door in the near future,to discuss repayment of the alleged debt.

The scheme is called fresh start.

The offer includes 0% APR and a 10% discount.

 

Has anyone else heard of this or received this letter?

 

Can i send the harassment letter,i have no intention of taking a loan with these people,but i don't want to ring them.

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report them and westoct to the oft for trying to get you to sign up to more debt in an effort to repay an alledged debt

PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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Thanks PG,i was actually quite angry when i read the letter,if i don't have the money,they can't have it.

I was hoping i could report them to the OFT.

 

This seems a new tact for intimidation of debters to me,Disgusting parctices,but then are'nt all DCA's.

 

Do you know what laws if any they are breaking,i'm learning all the time and it would be valuable knowledge for me.

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dont know the specific law but they are not allowed to suggest using another credit card or getting friends family to pay or suggesting getting a loan to pay off a debt

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Physical/psychological harassment

2.5

Putting pressure on debtors or third parties is considered to be oppressive.

2.6

Examples of unfair practices are as follows:

a.

contacting debtors at unreasonable times and at unreasonable intervals

b.

pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

c.

using more than one debt collection business at the same time

resulting in repetitive and/or frequent contact by different parties

d.

not ensuring that an adequate history of the debt is passed on as

appropriate resulting in repetitive and/or frequent contact by differen

 

Debt collection guidance - Final guidance on unfair business practices - oft664

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.

 

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Physical/psychological harassment

2.5

Putting pressure on debtors or third parties is considered to be oppressive.

2.6

Examples of unfair practices are as follows:

a.

contacting debtors at unreasonable times and at unreasonable intervals

b.

pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

c.

using more than one debt collection business at the same time

resulting in repetitive and/or frequent contact by different parties

d.

not ensuring that an adequate history of the debt is passed on as

appropriate resulting in repetitive and/or frequent contact by differen

 

Debt collection guidance - Final guidance on unfair business practices - oft664

 

Thank you,very interesting.

Not only am i going to report them to the OFT,i think a carefully constructed strong worded letter quoting the above is on it's way:-D.

 

I wonder how many people recieved this type of letter this morning:mad:

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Provi very rarely take anyone to court due to past cases where the judge has thrown it out due to being extortionate. Unless you owe them megabucks, I can safely say that your debt will ever see a court room.

 

They tend to go down the DCA route, in particular CK Edrupt to collect for them, and hope to recoup from there.

 

In their defence, Provi are usually the easiest to negotiate with as they know that at least 99% of their accounts would never make court. So even if you offer £1.00 per week they are more likely to accept.

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This is an old debt,it's not a debt owing to provident.

 

Wescott DCA have passed details of alleged debt to provident for them to collect.

 

So provident are offering me a loan to pay off the debt to wescott at a discount,sweet of them:rolleyes:

 

Still it's good to know that the provi rarely take court action,i do know a few people that have debt with them,and are worried about it.

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This is an old debt,it's not a debt owing to provident.

 

Wescott DCA have passed details of alleged debt to provident for them to collect.

 

So provident are offering me a loan to pay off the debt to wescott at a discount,sweet of them:rolleyes:

 

Still it's good to know that the provi rarely take court action,i do know a few people that have debt with them,and are worried about it.

 

Oh, I see. That's very naughty of them and the authorities will come down on them like a ton of bricks on this little stunt.

 

This is definately worth a complaint. They must be getting pretty desparate.

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Oh, I see. That's very naughty of them and the authorities will come down on them like a ton of bricks on this little stunt.

 

This is definately worth a complaint. They must be getting pretty desparate.

 

It would seem so,what is worrying is they think they are above the law.

How many people owing a small debt will see this this as the answer to their prayers?

 

I'm putting a letter together now to provi,and reporting them to the OFT.

I for one would like to this stunt nipped in the bud,and hopefully get them fined:grin:.

 

I so want to phone them,now i know they are breaking the law,but i will find restraint and write instead:-)

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I had one arrive this morning saying I had the debt with Wescroft even though the day before the same debt was with relaible collections I think.So Saturday i get a letter from RC saying I owe the debt then this morning I get another letter saying I owe Wescroft the debt and would I like to do it through Provident

Idiots:mad:

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Wescott must have a death wish because they are firmly in the OFTs radar.

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.

 

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I reported to them to trading standards as well as the OFT.

 

OFT informed me that they will not act on one complaint alone,they will only take up the case if more people complain.

 

Trading standards said it will be passed to the relevant department to be looked at,they will then decide if it constitute's harassment.

 

What is the point of the guidelines if they are not to be implemented?,beggars belief:eek:

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Although the OFT do not act on individual complaints they are recorded and used in tandem with reports they receive through the TSs.

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

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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Although the OFT do not act on individual complaints they are recorded and used in tandem with reports they receive through the TSs.

 

I can only hope they get a sackfull of complaints soon.

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I just had a provident agent call at my home.

 

They ignored my letter,informing them they are breaking OFT guidlines and that i have reported them and wescott.

 

I did not admit the debt,but told him even if they could prove the debt they are in breech.

 

He had no idea what i was talking about,obviously knows nothing of the guidelines,but he did comfirm provident have brought the debt and are going to collect it.

 

He said he is going to take advice from his manager,and get back to me.

 

I informed him that i would only correspond in writing and it is now deemed as harassment as he has called at my home.

 

So it looks like DCA's are getting desparate and making house calls:evil:

 

I have no idea what to do now, should i wait to see what they come back

with.

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just wait for their next move. ;)

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

 

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17 Port & Maritime Regiment RCT

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If Provident are moving into Debt Collection, surely they need a Licence?

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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If Provident are moving into Debt Collection, surely they need a Licence?

 

It would be worth me checking on wether they have.That did'nt cross my mind.

 

I'm of to have a dig:-D

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Sounds like you did the right thing. Just keep your eyes peeled and your guard up ;)

My advice is given based on personal experience and any useful information I've picked up over the years. Always seek professional advice if there's any doubt.

 

<Please feel free to click on the star if you think I've been helpful

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Sounds like you did the right thing. Just keep your eyes peeled and your guard up ;)

 

Will do,thing is i got a bit worked up about them calling and was ready for the agent.

I had an instinctive feeling my letter would be ignored.

 

The plan was not to answer the door to them,but hubby was home and let them in because i was asked for,i had warned him in advance but he "forgot",don't you just luv em:-D.

 

I'll put him in the closet on his next day off so he dose'nt open the door:-D

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I just had a provident agent call at my home.

 

They ignored my letter,informing them they are breaking OFT guidlines and that i have reported them and wescott.

 

I did not admit the debt,but told him even if they could prove the debt they are in breech.

 

He had no idea what i was talking about,obviously knows nothing of the guidelines,but he did comfirm provident have brought the debt and are going to collect it.

 

He said he is going to take advice from his manager,and get back to me.

 

I informed him that i would only correspond in writing and it is now deemed as harassment as he has called at my home.

 

So it looks like DCA's are getting desparate and making house calls:evil:

 

I have no idea what to do now, should i wait to see what they come back

with.

 

Borrow yourself a dog and next time he comes to the door tell him he has got 10 seconds to get off your property or you will let the dog out.

 

My dog is a great deterrant for salesmen. They take one look at her when she is looking out of the window and leave me alone.

 

I am putting a sign up next week saying 'Salesmen Welcome, Dog Food is Very Expensive.'

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Borrow yourself a dog

I suppose you could then make a complaint to the OFT because you've been forced to extend your borrowing. ;):p

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

 

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17 Port & Maritime Regiment RCT

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