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    • I notice that you haven't addressed my question as to whether sweatband.com have actually refused to take any responsibility for this now.
    • Thanks! I've had several successes in the past 4 years or so which stemmed from a financially difficult part of my life around 2011/13. Basically I was financially trapped with Quick Quid, in a cycle of increased borrowing, during this I'd opened three catalogue accounts: Studio, JD Williams and Simply Be , 2 credit cards (Aqua and Barclays) and was juggling finances. In that time I had got 2 CCJs plus 2 defaults so things were pretty tight. I was using most of my available credit until things eventually became unsustainable. When I moved house I used the deposit to pay off Quick Quid and got into arrangements to repay the catalogues. The credit card limit was still rising until 2017 when I borrowed the balance of nearly £6000 from a family member and cleared the Aqua card. The Barclaycard had already defaulted. In 2017 I began action for irresponsible lending against Quick Quid. Basically they could not show the criteria they used to make lending decisions  and kept lending to me so I won the case. I was refunded all interest and fees  and charges plus 8% pa. When it was upheld it gave me the confidence to challenge JDW and SB. These were also upheld and they had to repay interest, fees and charges plus 8% from the second credit limit increase which amounted to about £1200 each. I challenged Aqua where my redress covering 6 years fees, interest and charges accrued to nearly £9000.  Barclaycard was not upheld but the default was moved back to an earlier date meaning it expires sooner.  All my IRL cases succeeded because none of these companies could prove that they had diligently checked my financial history. My credit report clearly showed that I was using a high or at limit proportion of available credit and that I'd accrued two unconnected CCJ's and 2 defaults throughout the lives of these accounts. Whether they should have given me the accounts in the first place was also brought into question but it was the sustained but gradual increase of CL's time and time again without proper checks. JDW were unable or unwilling to show the ombudsman what criteria they used. It only appeared that because I paid on time they continued to offer increases where in reality I was actually juggling finances like a fine balancing act.  It would appear that the FOS are looking at catalogue debt as I know when my cases against JDW and SB were being investigated they mentioned this.  My case against Studio should conclude soon. I was curious as to why now Cabot are trying to cut their losses by offering such a hefty discount. I can only summise that Studio are trying to buy back the debt for less.  
    • They have made an offer  Remind them in no uncertain terms that under CONC they are responsible for the conduct of their agents , (research and quote this) and negotiate a payment plan of their offer As dx says we really need all the details to understand the full picture 
    • Ben Gulliver saw a chance to make money, selling items people struggled to get during the pandemic. View the full article
    • The New York Stock Exchange has already changed its mind several times about delisting the companies. View the full article
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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Equifax your time has come!


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This is a very good petition to sign as well. If we were to start one off like this about CRA then we all could put our own experience in about the CRA's :D

 

Against the nomination of Tony Blair as "President of the European Union" - Petition - Sign this petition here - Signature page - GoPetition

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  • 2 weeks later...

LOL,

The whole credit system needs overhauling as it encourages people to borrow more and more until they hit a financial meltdown where by another load of parasites start picking your bones:mad:

Hindsight is wonderful......

 

But now knowledge and advice are life savers:D

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I have had both my CCJs set aside by the courts. Experian have removed one but are refusing to remove the second even though I have checked the Registry Trust's records which now show that there is nothing registered against my name (and told them this). I have just noticed that when removing the first one, Experian had removed the wrong one and now having received notification from the Registry Trust to move the second they are refusing to remove because the case numbers don't match.

 

OMG Credit Experts I wouldn't trust them with a shopping list let alone my credit data.

 

I have had to do all the investigating myself and I am given different information every time I talk to one of their operatives...continually ask to talk to a line manager but strangely never there! I want a job as a manager at Experian, it must be a right cushy number! Any way once more into the breach tomorrow morning, by then my blood may have cooled to a mere simmer :mad:

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Regarding the Lisbon european treaty which we join on 1st December 2009.

 

Will this mean as europeans we will have the 3 year rule for holding are credit files as our fellow europeans do.

Take Control

! Use excel to document all your income and outgoings !

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Regarding the Lisbon european treaty which we join on 1st December 2009.

 

Will this mean as europeans we will have the 3 year rule for holding are credit files as our fellow europeans do.

 

 

... Does this mean are defaults etc ''fall off'' after this date..??? :p

 

:-D:-D:-D:-D:-D:-D:-D:-D:-D:-D

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Regarding the Lisbon european treaty which we join on 1st December 2009.

 

Will this mean as europeans we will have the 3 year rule for holding are credit files as our fellow europeans do.

 

Is there anything in writing about this or will we have to wait 5 years before any thing will done just like the MP's expensive fisaco giving them 5 years for the new rules to take affect.:evil:

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Great, 4 months in and so far we have 415 signatures, another 85 needed within 8 months for some recognition, keep signing guys.

 

This is what happens when petition ends on 23rd July 2010.

 

What will happen to my petition once it is finished?

Once your petition has closed, usually provided there are 500 signatures or more, it will be passed to officials who work for the Prime Minister in Downing Street, or sent to the relevant Government department for a response.

 

Every person who signs such a petition will receive an email detailing the Government's response to the issues raised

 

http://petitions.number10.gov.uk/CreditRA/

Take Control

! Use excel to document all your income and outgoings !

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Signed.

Beaten:

RBS: £4,500

AMEX: £4,200

Barclaycard Visa: £12,100

Barclaycard M/Card: £12,600

(Including the numerous DCAs they have set on me.)

PPI reclaims (into my bank account): £25,000

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