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    • Thank you. If you declared £300 only as the value when you send them off then I'm afraid that that is all you will be to claim for. Why did you do that when you knew that they were so much more valuable? Of course the insurance cover you paid for was only for that value as well. Please read around this sub- forum very carefully at some of the other Hermes threads and see what we have to say about their lost items, their prohibited items list and their so-called insurance cover and how it is ridiculous to require you to insure them against their own negligence or criminality. I believe that one of the items on their prohibited items list is musical instruments and this may eventually be a basis for then denying liability. However we don't know yet. You haven't addressed the question as to whether or not you've put a formal claim into Hermes and whether they have responded.
    • harveys went down june this year,    and who are they above?   sorry for all the questions but its very important to know who to fire arrows at and what type of arrow  more to come but answer the above first please   dx  
    • Declared when i sent them and paid for , sorry not used to typing this sort of stuff.   From a reference point, its like buying a car then removing the engine, sending the engine away for work and it gets lost. does that help.  
    • Multipage pdf attached Also included was 50 pages of statements and a financial questionnaire form which I haven't scanned. 02_12_2020.pdf
    • there are no rules that dictate an OC or a DCA debt buyer has to cease contact nor destroy data after 6yrs, nor that once a debt is statute barred the owner is not allowed to contract you requesting payment.    you need to remember that SB in E&W simply means a debt cannot be enforced, so DCA's don't bother with court.   it appears you might of been one of the many people that followed advice by members at the time to enter into all many of pointless letter tennis, sending this letter and that letter and most probably gained from this the idea that at some point, because people genuinely believed all the stuff stated in the letters banded around actually meant something,  it nailed debt owners into a box and they would stop and comply.   well no immunity cape batman, most of it was utter twaddle, however, the FCA conc rules of 2015 are a very useful tool.   i would be sending the relevant dca's a copy of our statute barred letter, in that you'll see a mention of conc, once they have that, should they still pester, some compo might be owed.
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NGJ vs CAP1


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So am I right in saying that I simply wait for a termination notice and then dispute my CCA again? or do I wait and dispute the termination?

 

Thanks as always.

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I've received another letter from Crap1 today reminding me of the default so any guidance on my next step greatly appreciated.

 

Thanks.

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  • 2 weeks later...

If someone could provide me with assistance as to my next step, which letter to write etc it would be greatly appreciated, I'm beginning to get a little desperate and nervous now!!

 

Many thanks

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Sorry I cant advise you but do try and chill out. Remember your account is in dispute and these agreements are naff. For your info they are not sending out the reverses anymore but reconstituted different versions with the signature page and section 23 so imo those reverse pages are junk and they know it.

 

My account was terminated about 7-10 days after the 28 days given so you wont be too long then just sit and see what the postman brings and post back up. Ps phonecalls stopped dead on the 28th day, week off and capquest started but just refuse to speak.

Edited by Craigbadger
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Right had an 'official default' letter now.

 

This can be seen at http://i557.photobucket.com/albums/ss15/njohns78/CAP1/Cap1defaultletter21-5.jpg

 

Basicaly says account terminated.

Right to demand full balance. May add costs to this.

Notify credit ref agencie :( (only part that concerns me!)

May place or sell the account to debt collection agency.

 

I'm presuming I need to reply to this letter?

 

Thanks in advance.

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Wait and see what happens.

Thats just confirming theyve terminated your account and can now ask for the lot. Just a formality really which I guess you knew was coming. I didnt bother replying.

Chances are it will be with someone else next week, post back when as theres a template letter when someone else trys collecting while in dispute.

:)

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  • 3 weeks later...

After sending the advised letter to FTC, advising that the account was in dispute, I've now had a response.

 

This can be seen at: http://i557.photobucket.com/albums/ss15/njohns78/CAP1/FTCletter11thJune.jpg

 

Basically though it simply says:

 

"thank you for your recent communication.

 

Please be advised that we have contacted our client on your behalf who confirm that all requests have been fully complied with and therefore this account is not in dispute.

 

The balance is correct."

 

Next step please??

 

Thanks as always.

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Sorry cant help you yet, I had a similar letter saying they are awaiting a response from there client and will contact me shortly.

 

Dont worry anyway, just stay off the phone and see what other junk they send. Sure someone will post something more useful. :)

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All theyve sent me now is a copy of Cap1 s original account is dispute response and a in/exp sheet. I'm just ignoring them, as far as i'm concerned the accounts in dispute.

Have you told them you wont speak to them on the phone?, that all I did and they havnt rang since. Remember they are only ringing to bully you into paying.

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  • 2 weeks later...
  • 2 months later...
  • 8 months later...

Cap1 have been quite for some months now - probably 9-12 months.

 

I'm only presuming this can only be a good thing!??

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  • 2 years later...

Hello folks,

 

It's been a while since I've hung out around here :)

 

Update on my Cap1 dispute is that I've not heard from them for going on 3 years now. I believe that this debt will be wiped from my credit file, so to speak in about 3 more years.

 

I was after any advice on offering to settle this, and whether I should. (FYI its a good 5 figure sum). I hope to be able to be in a position to get a mortgage next year so its whether I wait until nearer that time, and then settle, or whether I'm better settling asap, if that is advisable.

 

Any advice on suggested settlement figures is appreciated. I presume if I was to contact Cap1 that doesn't cause me no problem? as I said the calls have stopped for a good 3 years now!

 

Merci.

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Hi

The only reason to settle with Cap1 is to get the default totally removed from your credit file. They would rather stick needles in their eyes than do this so, if you feel you have to contact them, make sure that any settlement offer includes removal of the default as otherwise they are likely to mark the account as 'settled' or 'partially settled' neither of which do you any good whatsoever.

 

IMO save for the next 3 years then wait for the default to drop off.

 

Oh yes, with any settlement, always start low (10%) with an upper level in mind.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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