Jump to content

  • Tweets

  • Posts

    • BTW, the reply I got to an SAR shows they got my keeper details from DVLA via ZatDVLA and apparently their footage shows the vehicle being stationary for 38 seconds.   Time for sleep.   Thanks again.
    • Morning all,   the pdf in my previous post is an error. Could soemeone delete it please as I don't seem to be able to myself. Thank you.   Correct files are below. Had to be 2 as file size limit would be exceeded.   What a night, got myself in a right muddle switching between file formats to ensure security. To cap it all it's my birthday today.   Thank you in anticipation final multi.pdf Second two page file elms 1 and 2.pdf
    • This is a draft of my WS   By no means final   Negatives:   doesnt follow smoothly    long winded   not much referene to cases except Beavis     I have tried to attach appendied but failed miserably, but I may not need them   The appendix are essentially:    IPC COP example of a contract between landowner and a PPC   IPC COP re entrance signages   IPC COD re sanctions on members who dont comply   JPEG of the erected signage showing that its back is to the entrance of the car park hence not in immediate view   JPEG of a receipt from 16.1.2021 ( yesterday) proving I went there and had a look at the signages     Not really sure if the appendices will make much difference en my defence   Please make any constructive comments etc..   I will have a look at the many links  FTM Dave kindly provided. I havent in detail because bene typing for the last 7 hours      Anyhow Thanks All             WS redacted-merged.pdf
    • Thanks DX 100   haha i totally  agree with your comment about the page 20    Yes I am awake and been all night w my WS   BUT can I point this very very very impt point please, which I am not sure if it has come to your attention   1. The payment machine and 6 hours and the free parking after 4.30 pm on a Saturday etc....all taken on board.   HOWEVER, and I cant stop myself laughing, this pay machine  he eludes to is based at The Market Shopping Centre Car park , after googling it is in CREWE.  It is not even relevant. They have put in a signage that is not even at the Merry Hill Centre which is in the West Midlands.    The Merry Hill Centre is the one I went to in Dudley, west midlands. All the signages , apart from the one you elude to have the intu Merry Hill logo     The one you refer to is in Crewe. I have never been to Crewe in my life lol so that signage is totally irrelevant    we can play this either way:   1. can take up your line of argument regarding the 6 hours etc. and pretned we are also using the pay machine    OR     2. totally dismiss it as being irrelevant, misleading , wasting the time of everyone by providing irrelevant info. Thats what I have argued in my WS so far. That signage does not belong to inTu Merry Hill            This is akin to someone being on annual leave from work between say 1.10 .2020 and 1.11.2020, and then finding out one of his/her collogues saying,  I saw you leaving work early last week , the 15th of October 2020.   hello !!!, I wasnt even in the country on the 15th of October 2020 !!   essentially thats what the claimant has done . The signage on page 20 doesnt even belong to the shopping centre I went to   I will log out and carry on with th WS     Thanks again       .   
    • Thank you FTMDave. As you can see from the time now I have had a nightmare getting questionnaire answered due to scanner problems, it is up there now though. I do not have proof of breakdown as the alternator was bought from a breakers yard near Chelmsford. I remember it well as they sold me the wrong one on the Saturday and I had to go back in my mechanic friends vehicle on Sunday as I had broken the original alternator getting it off.
  • Our picks

    • 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

Help! Letter from a DCA.

Please note that this topic has not had any new posts for the last 4127 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts


I had an unsecured personal loan with Sainsburys of £10,000:eek: and have run into some difficulties lately. I have just worked out a way of sorting my mess out - overtime at work, new bank account etc but it's too late and I have just recieved a letter from Albion Collections Ltd saying I need to pay them £14,962.

Obviously I don't have this kind of money so what do I do? Will they be open to negotiation and can I avoid doing this over the phone and deal with them in writing only?

I'm so mad with myself for not keeping in touch with Sainsburys because as of next month I would have been able to pay them their £216 each month.

I'm really scared that they are going to turn up at my front door now.

Link to post
Share on other sites

Hi Boocut

we've all been in similar situattions! Your not the only one!

How old is the loan?

When did you last make payment on it?

What I'm getting at could it be statute barred?

A DCA has no right to take money off you. Never ever phone phone them. They threaten lie &cheat to make you pay.

Only a court can make you pay.

Never send them an Income & Expenditure if they ask.

Do every thing in writting.

I would send for a CCA request first - to Albion.£1.00 PO recorded etc.

Did you get a notice of assingment or just a letter saying you had to pay them rather than Sainsbury?

There are many good template letters on here that will help you.

Above all these letters from DCA's are to make you feel threatend & trap you.

Before I found Cag, I used to fear the postman or the phone calls - not any more. Thanks to Cag we know our rights better.

Above all do not panic!

Link to post
Share on other sites

Be sure that they are entitled to collect. Have you had a notice of assignment? If not send them a proove it letter. Have you requested a CCA? If not also send a CCA request letter. Don't panic, there is a very long way to go before this gets to a court. Keep using this thread to keep it up to date.


Looks like I was beaten to it but we are both saying the same thing more or less.

Link to post
Share on other sites

Thanks for the quick reply.


The loan is only a few years old and I last made a payment in June. I've been burying my head in the sand for a fair few months now.


I'm not trying to wriggle out of paying it back - I did spend it in the first place but the letter they sent me both put my back up/frightened me


I don't know if I should write to them with a proposed repayment plan and if I do how much I should offer them.

Link to post
Share on other sites

BTW They have no right to just "Turn up at your Front Door". If they do just remind them of the Law of Trespass.Call the police if you feel thretend by them. Only the Postman has a legal right to vist every home in the land - Under the Royal Charter (hence Royal Mail!) They might also threaten to send bailfs - but only a court can do that - and that's if you fail to keep payments to the court.

Link to post
Share on other sites

If you decide to write to them with a new proposed offer of a payment plan then make sure it is what you can afford!!!!!!!!!!!

Do not let them tell you what you can afford as only you know this. If they decide not to accept this, let them take you to court as any judge worth his salt will only make you pay what you can afford.

I would cca them first though to see what they come up with










Link to post
Share on other sites

So is Sainsburys financial part of HBOS then?!


If it isn't an outside agency does that mean they will be any easier to deal with?


(Sorry if I sound like I don't know anything - it's probably because I don't!)

Link to post
Share on other sites
So is Sainsburys financial part of HBOS then?!


If it isn't an outside agency does that mean they will be any easier to deal with?


(Sorry if I sound like I don't know anything - it's probably because I don't!)


Albion Collections are part of Halifax, but under a different name to fool you into thinking they have sold it on. Most of the big Banks have their own in-house debt collection departments. HSBC have Metropolitan Coll Services.

Link to post
Share on other sites

I had an unsecured personal loan with Sainsburys of £10,000:eek: and have run into some difficulties lately. I have just worked out a way of sorting my mess out - overtime at work, new bank account etc but it's too late and I have just recieved a letter from Albion Collections Ltd saying I need to pay them £14,962.


Err.................... before paying a penny I'd ask for a breakdown of that amount... if they are attempting to charge for repayment of debt than that seems to me excessive in the extreme and a breach of the OFT debt collection guidelines.



Are You as Anonymous on CAG as You Think You Are? *Link*


The CAG is a free help site,should you be offered help that requires payment,please report it to site team.


Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently


***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****



IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

Link to post
Share on other sites

Have sat down and had a real think about what I can offer and I now think £175 is my limit - I'd even be able to buy food after paying them!

Can somebody look at this letter that I was thinking of sending them - it's short and sweet so if anyone can add anything to fill it out a bit and make me sound like I know anything I would be grateful.


Dear Sir/Madam

With regard to your letter to me dated 24th September 2009. You have informed me that you have been instructed to collect a debt owed by me to Sainsburys Bank.

I’m in no position to pay the amount in full but would like to offer you a proposed repayment plan. I suggest £175 per month.

Please write back to me if you agree to this so that I can arrange the sending of the funds.


Link to post
Share on other sites




Dear Sir/Madam


Account number.............................


Thank you for your letter dated 24th September 2009.

The contents of which have been noted.

Due to extreme financial difficulties, i will offer to repay £1 per month.

Please note that this amount is none negotiable & no furthur correspondence will be entered into.

Should you refuse my generous offer & continue to instigate harrassment, then i will be left with no option than to report your company to the OFT,trading standards & the police if neccessary.

I trust i make my postion clear.


Your faithfully



Link to post
Share on other sites

Yikes that's harsh! Much smarter than my effort though. The problem I have with £1 a month is that I will never pay it back - I can manage £175 a month. But then if I say I can manage that much they might think I've got lots to spare. Hmm.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...