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    • never get a cca for a debt of that age when was the last payment date?   dx  
    • i have shrunk the uploads earlier as they exceeded in total your upload limit try now in pdf.   BTW: the file a few posts up renamed burlington comms is very damning for them they knew they had done wrong having just read it.   now this subject needs addressing and sorting. where has all your available income been going for the last 12mts...why has this debt not been paid and why did you resort to even taking out an LBL in 1st place..usually its as a result of shear desperation and financial mismanagement as you could not get money elsewhere ...why ?   this debt is a priority ...2nd to everything other that what keeps a roof over your head like mortgage , rent. CTAX. gas/electric.   mobile phone/sky/broadband/credit cards/OD's/catalogue debts or accounts and anything else you payout for needs to be either cancelled or dropped to <£5PCM..they can't do anything to your roof or your car.   spill the beans..why were you in such a whole in 2018 that you ever had to goto these sharks and expose yourself to this grief..          
    • For general info, I have a Life Fitness treadmill which has been in my garage for the past two years.  It cost around £2k so in the same ball park as yours.  It was installed for us by professionals and there was no hint that it is an unsuitable environment - because it isn’t.  The gym I use (when I can) is even less salubrious than most garages, think bare aircraft hangar rather than carpets and smoothie bars.  It is not heated.  It has a range of top end cardio equipment all working just fine.        
    • i'd be sending them an sar get all the details and see if his bank has proof of BT cancelling the DD too. then p'haps we can make a complaint......   £800/12 is about £67pcm - thats an expensive deal if this is for BB only and not phone as well & at what speed - i'd expect >70MPS for that deal...was it.?   the issue here is if it is for phone as well BT won't release the line till the debt is cleared if he wanted & should switch - to say vodafone at <£30PCM for the same deal.
    • Am I able to upload it like the earlier ones today? It seems to be easiest way for me to do it on my fone 
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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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  • 2 weeks later...
  • 2 weeks later...

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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