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    • I called my GP surgery and offered to jump in car and turn up at no notice if they got no shows and was told 'thats simply not happening' When I pointed out that the BBC had raised the issue I was quite bruskly interrupted (unusual at my surgery) and told the media is spouting rubbish which is helping no-one.   I do know that hospital/vaccination center staff are/have been given doses from failed attendances. presumably managed locally   We need to understand that patients can call again, but the vaccination doses are and will remain for some time limited and waste (including relying on others turning up after one failure to turn up) is to be avoided at all costs   There is also the issue of managing the second dose (errr) for those who are given one out of sequence. Let alone any questions regarding that being 'approved'     Personally I would be happy getting one dose early whatever happened later.  (one different vaccine, two matching, no other, whatever)  
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    • Slightly off topic , just a quick question    another debt with Capquest - been ignoring for ages as refuses to supply signed docs and statement of account    finally supplied a list of transaction they say is from original creditor , but just an excel list of 29 transactions , no title , no account number ,  no headings   literally just a list of numbers on a Capquest paper - with Capquest small print in the footer .   obviously , I can see there is nothing to tie this list of numbers to me -    im looking for a good paragraph to send back    like *   Thanks for a list of numbers you have typed with no references , titles, account numbers or anything to show this is an original creditors statement , this is not my statement , and has not been provided by the creditor on creditor paperwork I j the format of a statement -  please provide as required the original statement as required by ..........     can you help ?
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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

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Is this true?

 

Key loophole closed. In a High Court ruling in December 2009, a judge said a lender now only has to produce the correct information, not an exact copy of the credit agreement, which blows away the argument that you'll have debt 'written off' if it can't find the original. While not the major thrust of the judgment, he also said it's unlikely consumers can win where there are minor errors in the credit agreement.

Source: Money Saving Expert

Check out the threads below for updates on the DCA's that I am dealing with.

 

GE Money/CL Finance/Howard Cohen & Co - AND - Aktiv Kapital/Appleton Massey Solicitors - IN COURT

Cabot x 2 for Vanquis & Hitatchi - DEFAULTED ON CCA REQUEST

Lowell for Capital One - CANCELLED DEBT!! Trying to get Default removed now

Moorcroft x 2 for Halifax Loan & Bank Account - RETURNED TO HALIFAX

Wescot for Halifax Bank Account - RETURNED TO HALIFAX

Cap Quest for Argos Card - RETURNED TO ARGOS

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Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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yes it is the manchester case..however, they still have to produce the original...and noone can actually write your debt off...just because they cannot find the original...if they then initiate court action they are gonna have to come up with it eventually

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