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    • Evening Caggers, I've attached what Lowells had sent the OH relating to my CCA request.  If you ask if the credit agreement could be better its even worse in real life (its pretty much unreadable to the naked eye).  They've asked me on the last letter the OH got off them that they would not be sending another copy of the CCA as they've already sent one.  I get that they've sent her a CCA, but to be unreadable this cannot be correct.  Anyway the stars aligned today as the postwoman delivered the contents of the SAR I'd sent to Lowells.  What they sent was generic letters but without the OH's details showing which I thought was quite strange, copies of what I've attached on the PDF and a couple of legacy information from the previous DCA that had it.  What was not included was a breakdown of any additional charges and interest placed on the account nor a Default Notice which I specifically asked for.  Anyway any thoughts on what I've posted would be much appreciated.  Thanks PM  20201031-Lowells OH Vanquis Card Redacted.pdf
    • You need to tell us the story.  I'm afraid that the claim form gives almost no useful information.   You've been here since January and it's a shame you didn't come to us before starting this
    • You made  number of errors:   You didn't take pictures You used Hermes You relied on faith (Bless!)   Yes, you will have to issue legal proceedings. Post up your proposed letter of claim here before you send it off.  Don't expect it to have any effect.  You will have to issue the papers.   Normally Hermes would then force you at least to go to mediation and would then settle for what they think they can get away with in order to avoid court action.   Hermes don't want judgments against them where those judgments would expose their unfair treatment of customers - such as insisting on insurance to cover their own negligence, or relying on a prohibited items list to evade liability for loss.   However, in your case, the issue is not one of insurance or prohibited items.  The question is merely whether the items were adequately packed and so on this issue they could afford the risk of going to court and losing because nothing would undermine their way of doing business. I am telling you this because it means that Hermes might be slightly more determined than usual to to face a judge even though the dispute is over a small sum.   Read around some of the Hermes threads to see how it normally goes - but as I suggested, most of them will not be relevant to you.   I don't see any purpose in sending an SAR in this case but please do tell us if you disagree.   Once you send the letter of claim, you must carry out your threat to begin the claim on day 15. Register on the Moneyclaim website and start getting the claim ready.  Let us see the draft POC before you click it off          
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
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CCJ From Chantry Collections no contact after a year and now wanting to apply for attachment of earnings


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Hi,

 

I really need help I contacted Chantry Collections last night as I have an outstanding CCJ from Ablemarble & Bond (A stupid pay day loan I couldn't afford to pay and I really have learnt my lesson) anyway I got a CCJ off Chantry Collections (after reading several posts on here I believe they are a inhouse debt collecting agency). Anyways I willfully put my hands and state that I owe this money but after being with several so called (Fee charging debt management companies that have made my situation worse I haven't received anything from them.

 

Well yesterday evening I contacted Chantry to advise I want to set up a payment plan to repay the outstanding debt.

 

The reply is as follows:

 

Thank you for your email regarding your outstanding balance with Albemarle and Bond Ltd ref XXXXXXX.

 

Unfortunately due to the delay in arrangement proposals from yourself we have now proceeded for an attachment of earnings. You should receive documents from the court shortly advising you to complete a financial statement and to provide an offer of payment.

 

 

Kind Regards,

 

Kelly Graham

Legal Department

Unsecured Lending Division

 

My question is how can they apply for attachment of earnings? when A) they haven't bothered to contact me for over a year and B) If I didn't bother to make any initial contact would I have known about this.

 

I really am annoyed and want to take this further I can't believe a "Collections Department" has the cheek.

 

Fair enough I accept the debt and I have learnt my lesson and I am willing to accept a payment proposal but why are they allowed to get away with this?.

 

If anybody could help me I would highly appreciate it, so far I'd like to thank the guys and girls on here for the support I've had off this website it's been a great help.

 

Regards

 

Lady TG XXXXXX

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