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    • Hi. I posted on the facebook group about Hermes queries re: a parcel that Hermes said delivered but i didnt receive. It was a private sale of a mobile phone from a seller in Wales to me in Edinburgh.   The seller has stopped contact with me now so I cant get any help from them. Hermes are saying it was delivered but it wasn't.   I have got all copies of emails to and from the seller and to and from Hermes. A photo of the actual parcel that the seller sent me prior to posting.   There also seems to be a some confusion on the Hermes tracking info about which day it was actually delivered but either way I was in my house both prior and after the delivery.   There was no photo but it stated the driver got a signature. Not true cos it was a covid thing not to get signatures. No calling card to say it was left somewhere else or in a safe place. It just simply wasn't delivered.   I've been told to ask for GPS info in order to trace the delivery or driver. I cant even talk to a human or get a valid address to write to.   I sent an email to the CEO guy and still no reply. I've not reported anything to the police but I'm getting all sorts of contrasting advice to do this and not do that etc that im totally lost now.   If you read this David, please get back to me please. Much appreciated.   This happened in June/july so hope im not too late to still do something about it. It's just took this long to only get to this stage. 
    • PAC code   https://tinyurl.com/yxhxcsxf   ...
    • Noted! Hopefully there won't have to be another time though!     I did respond to the email, I just basically said that he cannot deduct any costs incurred for collecting / picking up the vehicle and if it heads down the route of ADR which is a total new concept of me having any evolvement with, that he would have to pay a refund/the cost of the car and the cost associated with the collection of the vehicle.    Apon further checking the legislation because he gave me no cancellation rights prior to the contract starting he is indeed guilty of an offence, which is the likelihood of what trading standards are dealing with in regards to his local TS contacting him.     
    • hi,     Just asking for some experience or knowledge.     I purchased a puppy on the 30th of august. On numerous occasions I was in contact with breeder and asked if the puppy showed signs of entropion.    I was told no.   On the 26th of August puppy had first jabs. And apparently their vets said none of the litter showed sign of entropion.    On collection of puppy I noticed he was covered in green mucus. The pen had dog muck spread in there so assumed it was just from pups playing and maybe getting it in each others eyes (poor hygeine on breeders part)   Anyways,   Asked breeder to wipe pup and we left       With in 3 hours we realised that the puppy wasn't well. He physically couldn't open his eyes and when we attempted to clean them his eyeballs weren't visible.    We phoned an out of hour vets and contacted the breeders immediately.     The pup was taken to the vets and we were informed he had a severe eye infection which was a result to entropion.    The vet bill came to around 900 after tacking and meds etc. I asked the breeder to cover the costs. They said no because their vets said their was no issues.     The state on this puppy my vets think he's suffered from birth.     And most certainly not 5 minutes before I turned up.      I've filed a small claims for the cost of the vets and the cost of the puppy.      Where do you think ill stand?    What type of evidence will the judge want to see. Thanks
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    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

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Today I received two calls from a debt collection company on my work phone...nothing unusual about that you might say except that I NEVER give out my work phone number, not on application forms not on anything. The first person I spoke to (a lady) would not tell me where she obtained my number from. I told her not to call me on that number again and she hung up. About 10 minutes later I received a call from a gentleman - again I repeated that was my work phone and not to call me on that number again. What I want to know is because I have told them not to call me on that number again - are they obligated to accept my wishes? As I have told them not to if they continue can that be classed as harrassment? I'm not allowed personal phone calls at work (and work in an open plan office) so I could get into serious trouble. Any advice would be much appreciated.

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Moved to Debt Collection Forum

Anthrax alert at debt collectors caused by box of doughnuts


Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.


Vir prudens non contra ventum mingit



17 Port & Maritime Regiment RCT

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Send the letter as advised.


You can report this to Trading Standards by phoning their central helpline Consumer Direct. Consumer Direct


What you will find, is that the debt company have phoned someone you know and have made up a story, saying they need to contact you urgently. Someone may have innocently given your number. Or if you are on any business networking sites, if your current employer is shown, they could have found this.


But the debt collectors should know it is against OFT guidelines to phone a work address, unless the debt is related to the business.

We could do with some help from you.



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Thank you for your advice and I will indeed be sending a letter to them, especially since today a colleague of mine answered the telephone (I was away from my desk) and the 'gentleman' from said company was rude and abrupt with her.


Am I allowed to ask how they got my work telephone number? I am absolutely flummoxed as to how they got it. The only people that have that number are my husband and my mother. I have worked there for almost 5 years without previous contact and there are around 1,500-2,000 employees. I am only employed as a secretary so no correspondence goes out with my contact details on and I don't appear on the company website (and I've googled my name and nothing comes up for that). I really am at a loss to explain how they got my number and think it might be useful to find out so I can warn other people if I am allowed to ask.

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Hi biff


You could send them a SAR Request with £10, there would be a entry when that information was received. Then once established you could contact the ICO, Data Protection and Freedom of Information Advice - Information Commissioner's Office (ICO).


Have you applied for any sort of credit? or filled in any online forms?


It might be an idea if you read the OFT Debt Collecting Guidelines.



Edited by rebel11
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Guest Cartaphilus

It's actually quite easy, whether or not your number is given to them or not for them to eventually trace a number which some of the others have already touched upon. If I am allowed to ask ... which company is this that is harassing you at work like this?


Some light reading for you re what they are doing and what the law has to say about this kind of thing (asides from the advice already given about what to do and whom to write to to complain):



Administration of Justice Act 1970


The Administration of Justice Act 1970 S.40 makes it a Criminal Offence for a creditor or a creditor's agent (often a debt collection agency) to make demands (for money), which are aimed at causing 'alarm, distress or humiliation, because of their frequency or publicity or manner'. Equally, a creditor will be committing an offence if they falsely imply that non-payment of the debt will lead to criminal proceedings; or the creditor pretends to be someone they are not e.g. a court official or bailiff. It is also an offence to send a person a document which looks like it has been sent from a court.

The Protection from Harassment Act 1997


If you feel you are subject to Debt Collection Harassment then this too could be classed as a criminal offence. Harassment can be verbal or in writing and would include making repeated calls to your workplace or in anti social hours. The Protection from Harassment Act 1997 makes it a Criminal Offence for any person to pursue a course of action "which they know, or ought to know, amounts to harassment of another person".

Edited by Cartaphilus
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When I fill in any forms I only ever put my home number (because we have an answering machine) and occasionally my mobile (but it depends on what the form is) but never, NEVER my work number. If I genuinely thought I had ever put it anywhere I would hold my hands up but I have never done it purely and simply because we are not allowed personal calls at work and I have now wish to have a disciplinary matter made of it.


The company that is harrassing me is a company called Aktiv Capital whose correspondence address is in Chester but the lady who telephoned yesterday and the 'gentleman' who spoke to my colleague today were definitely not British.


I have two debts with Egg and this company is asking me to contact them to arrange a repayment programme. I must confess that I haven't yet contacted them which is my fault but my father suffered a major stroke at the end of January and he was in hospital until the end of May and has now been placed in a nursing home so answering correspondence has been the last thing on my mind.

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Guest Cartaphilus
Aktiv Capital


They are very well known, posted about here.


we are not allowed personal calls at work and I have now wish to have a disciplinary matter made of it.


Well, you don't have to put up with it, others have pointed you in the right direction where/whom to complain to but as you will have read above under Protection from Harassment ... they are acting in an unlawful way, designed to embarass you at work. Which is harassment. IMHO I also think they do so on purpose, which makes it worse. They know where they are calling because of having traced your number there.


I must confess that I haven't yet contacted them which is my fault but my father suffered a major stroke at the end of January and he was in hospital until the end of May and has now been placed in a nursing home so answering correspondence has been the last thing on my mind.


I think under those circumstances, the last thing anyone would be thinking of would be contacting that lot so don't be hard on yourself. Family comes before these mongrels.


Hope you get this sorted out but one thing: they are allowed one point of contact to contact you, which can be by letter writing only. If they argue the toss quote the Data Protection Act and that you want them to remove any numbers they hold on you, given them a time limit to do so, if they fail to they are committing an offence. That is a tip I used with one creditor a long while ago and was suggested to me by CCCS.

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Hi biffette


Are they bank or credit card accounts? And have you got any Penalty Charges or PPI on the accounts? Have you sent CCA Requests?

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One is a loan debt the other is a credit card debt - they used to be covered in a debt management plan but for a major part of last year my husband was unemployed so we had to give this up and I negotiated repayment programmes myself - and they have written to me to 'negotiate' an increased repayment. I have no idea about the penalty charges or PPI...and what is a CCA request?

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