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    • Cant see it myself   Ban abortions - yep Get rid of obamacare - most of it and in stages - yep Allow the erosion of particular rights via 'local' and indirect actions - absolutely Blatantly trash the constitution - Nope   Johnson and crew has and would (our equivalent) with the MPs they now have - Trump would if he could - but neither the Senate nor the house of representatives would or will allow it. Thats not to say damage hasn't been done.   Even Trump allegedly enabling the alleged Israeli/certain Arab state assassination in Iran doesn't breach the constitution in any way - quite the opposite.  
    • You wonder what Trump is up to?  Would the US Supreme Court with Republican Judges holding a majority be able to help undermine democracy ?  I very much doubt they have any grounds to offer Trump any assistance with having some votes cast by post excluded.  Democrats had much more postal votes, so would be harmed, if Judges decided that the elections held in some areas were faulty in some way.
    • Hi slick!    On 22 July they said they would refund me £74.07 Theres no DD in place as my membership was a once off payment in November last year.  Hi Dx,    I paid through PayPal last year as a one off payment. 
    • I'm trying to understand it all but I certainly tend to agree with my colleague @dx100uk that it looks as if you may have been taken for a ride. You found an advertisement for a bag on an online sales site. Instead of going through the established procedure of that site, which presumably allows them to recover a commission from the seller you started dealing directly with the seller who is an unknown person to you and of course that allowed the seller to avoid paying the commission. At whose suggestion was it that you went off-site? You then pay by PayPal but instead of logging it with PayPal as a payment for a purchased item, you tell PayPal that it was actually simply a gift or transaction between friends and family. This also allowed the seller to avoid paying a PayPal fee on the money. At whose suggestion was it that you paid in this way?       I don't say that you definitely have been scammed, but it doesn't look very good. This is how it might have happened: after you agreed to take the transaction off-site, so you lost the protection of the established system – and the seller avoided the commission and also avoided the sales site knowing that they had sold their item, you then agreed to pay the seller some money – but not for a purchase – simply as a gift. This has two consequences. Firstly, the seller avoids a PayPal fee and secondly, because PayPal has been misled as to the purpose of the payment, you lose the protection of PayPal if it turns out that you've been scammed or there is some other problem with the transaction. The seller then apparently sent you the parcel and they sent you pictures of a package with your address on it. Separately they sent you a Hermes tracking number – but there is no evidence that the package was actually posted to your address. The seller might simply have taken a picture with your address and sent that to you by way of reassurance – and then changed the label and posted the parcel to themselves but sent you a tracking number which is inaccessible to you and in respect of which you will be prevented from getting any information. All you've seen is a parcel with your address on it. All you've been given is a tracking number which satisfied you for a while until the parcel did not arrive and then when you started to make enquiries, you found that you were unable to access any details referring to the tracking number. Of course the tracking number says that the item was delivered – because maybe it was – but in that case it was delivered to the address on the parcel which might have been the seller's own address – or the address of a friend. I don't want to say that this is definitely how it happened, but it is a plausible scenario. Of course Hermes is an awful lot of parcels – but on the other hand I expect that most of the parcel is that going to Hermes hands are delivered successfully. We only get the bad stories on this forum. I can imagine that Hermes rate of successful deliveries is better than 97% because otherwise people wouldn't simply just hate them, they would go out of business.   We can help you bring a complaint against Hermes if you want. However, on the basis of what you say, the odds are stacked against you but it would be useful to try and find out the address which was associated with tracking number. As far as your apparent willingness to travel hundred and 50 miles to ask for your money back, don't bother. If you did actually go there, are you sure that the seller actually lives at the address that you have been given? What evidence do you have that? Of course if you found that the seller didn't reside at that address then it is slamdunk that you have been scammed. But then what are you going to do? You can try to inform the police but of course it won't get you anywhere. You can inform the sales website – but they will say that you brought it on yourself because you agreed to go off-site. You can inform PayPal – that they will say that because you sent the money which was calculated to avoid their fees, you have lost the protection. If you travelled the 150 miles and found that the seller did reside at that address, do you really think that they are going to hand your money over to you? If they are acting dishonestly then they will simply say that it is nothing to do with them, that they addressed it all correctly and they don't understand what has happened and that this is simply Hermes up to their old tricks. What are you going to do? You simply risk getting into a very nasty argument and depending on how bad it went, you might even find that the police are called and I'm afraid that they would be looking at you – not the seller. Maybe you can answer the questions that I've post above as to who it is who initiated the various ways of doing business.    
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Old Halifax Visa account question


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Well it says they ' may ' take me to court . I dont have any experience of RW although I know they are well known on CAG.

 

Not sure how serious the threat is TBH

 

It doesn't sound like a LBA as they say 'may' take you to court.

 

Have a look at the letter template on here for a LBA

 

http://www.contractorcalculator.co.uk/payment_letter_before_action.aspx

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I had one from them in May and sent this response, they are currently awaiting a copy of my CCA from Halifax!

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=18368&d=1273694577

 

Note that this letter of Dotty's is fine but do make sure that you do not refer to a credit agreement under the CCA1974 as it does not apply to overdraft arrangements.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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  • 3 weeks later...

Well .. So far no response to the letter I sent to RW about the overdraft.

 

Todays post brings a statement for the CC and is the first I have had for months so it looks like CrappyQ have sent the account back .

 

Printed in big capital letters is the threat that the OC may take any funds I have in any other current or savings accounts [even if held in joint names ] to make payment to this outstanding account.

 

Oh dear ! I dont have any other accounts any more.

 

I wonder what will happen next ?

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  • 1 month later...
Hmmm didnt take long for Robbing W*yn*ers to start threatening about the card account did it .

Formal demand arrived yesterday.

 

 

You can look forward to a couple of month worth of letters from them and several phone calls per day as I have just had--all ignored.

 

Have a look at the company number if it appears at the top of the letterhead --is it 886896?

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Hi MM

I dont see any company number... where would it be ? and does it make any difference?

RW are already chasing the O/D and now have the CC account.

I might send them Foolishgirls letter ...the one that saw Crappo Q off.

What do you think ? or is ignoring best ?

Theres no CCA at all on this CC account.

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  • 4 weeks later...

Update

I sent foolishgirls letter to Robbers W and the CC account is now on hold.

The ODraft has now been sent to Horrible Farrelly sols [ Robbers W in disguise I believe ] who MAY do all sorts of awful things to me .

I MAY write to them but I MAY not ....

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  • 2 weeks later...

Heres the Latest on the CC account

I have a letter from RW who say that they have contacted the OC who reject my dispute [ which is that there is no CCA and I have never even been sent a recon and have a letter saying they have nothing ]

So they want me to pay up now.

 

Not sure what to do next ...

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Not sure what to do next ...

 

Hi Summer,

 

Same as you have been doing,I would have thought.

 

When I had a go at RW they just came back with a similar response from Halifax.

 

Ignored it and its now with iQor who have just got Mackenzie Hall to send a photocopy style letter purporting to come from a Stratford based firm of solicitors who 'might' advise court action and who also instruct me not to respond to them [solicitor] but to iQor --so will be writing to Halifax asking if their original letter saying 'we will not be enforcing as we search for this that and the other' has been forgotten about.

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  • 2 weeks later...
  • 4 weeks later...

Well here I am again ...

The Halifax Overdraft now has been passed to Iqor.

 

I have a Daughter come home from Uni and literally a week later without any notice gave birth !!!!! and my OH in hospital and already had a heart op and needs further major surgery to save his life.

 

What can Iqor do to me ??? they can just P.O.

 

I dont care about my debts any more .

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What can Iqor do to me ??? they can just P.O

 

Hi Granny Summer- they can Post Office or better still they can Foreign Office :madgrin:

 

As Dotty said there's more to life than money.

 

Best wishes to you all.

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So sorry to hear your problems summer. All best wishes, do hope it all turns out OK.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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  • 4 weeks later...

Today brings a letter from RW about the CC account asking " What have we done wrong ? " Do they really want to know ??? and they want to offer me help and advice from their specialist debt advisor as I must be unable to pay the account in full .....

 

2 letters from Iqor about the OD offering a " substantial " reduction if I phone them within 72 hours ..... Of course I will :wink:

 

On family front OH had major cancer surgery this week so its fingers crossed xx

 

DD and darling baba doing well.

 

Thanks for all kind wishes :-)

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:grouphug:

 

Hi Summerbreeze, Iqor have been busy!

 

I had a text this morning and a call at work within a couple of hours!

 

Was only thinking the other day that it had gone quiet on the Halifax front, I don't think I have ever had a letter from them, expect that will be next.

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  • 3 weeks later...

Today brings a letter to both me and OH from Geoffrey Parker B threatening court on behalf of Iqor for the O/D account.

That one is in joint names. I am seriously considering making an offer of F and F on that as OH a very sick man.

I can fight my own battles but I dont want him to be worried.

I know there are good templates for F and F letters . Can any of my friends point me to the best one?

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Hi Summerbreeze,

 

If you are 100% sure this is the way forward, try sending The Mould a PM and I am sure he will assist you with drafting a letter.

 

I hope all is going ok with your family.

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