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    • i'm gonna get a 2nd opinion on this and how you should re-order the above.   i really do think that you need to now clearly portray that the supposed belief that a payment was made you've now realised as a false flag.   the main thrust of your defence should be paperwork issues and how important those are to their successful case. then the  charges issue 
    • is it entitled letter of claim?   dx  
    • Hi could you clarify as it is still unclear about AX as to how they contacted you.   How did AX contact you? (phone, email etc)   How long was it after the accident that AX contacted you?   When AX informed you that you had nothing to pay as this would be paid by the insurance company did you contact your insurance company to verify this before agreeing to AX T&C for the courtesy car?      
    • Hi,   I have received a letter from pra group for a loan from 2013. I have never paid anything towards this loan and it’s no longer on my credit file. What do I do? 
    • Hi  I sold two graphics card to customers on eBay, i used the pacelink to create postage and drop off both items at the same parcel shop, my both parcel were tempered and both of different customer said they received the puppy training pads instead of graphics cards. I use the default insurance on both £25 each.   When i raised the claim to pacelink Hermes admitted for one the parcel that it was damaged, pacelink has issued me £25 which i told them i am not accepting but they still transferred the compensation into my account.   Both of items sold for £780 and £790 respectively. I had to refund both customer, in total it cost me £780+£789.   I want to claim my money back because my both parcels were tempered because i used clear tape when I packed the parcels and when customer received it it was packed with brown tape, in addition to that both customers received puppy training pads of same colour.   I have all the photo avoidance provided by the customers. Conveniently whenever i used royal mail customer received the items perfectly and this time i used Hermes through pacelink and both customer did not received the items.   I have 100% feedback on eBay and sold 5 graphics card in which two were lost through Hermes.    I did recording of both items when doing the packaging. when can been seen at the following urls.           I know the process that i have to write them a letter which i will sent at the following address. Please help me if you have any sample letter. Please help me if i am missing something   Hermes Parcelnet Ltd,  Capitol House,  1 Capitol Close,  Morley  LS27 0WH
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 25 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
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Hi

 

Took 1st credit 16mths to produce 2 sets of T & C for a CCa request no sigs..Today get a letter from connaught say they will pay 60% of the debt and OH pay 40%..me thinks they have no Executed CCa lol..they even said we can only offer this deal for one mth ..take up the oppitunity now lol:)

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  • 4 months later...

Hi

 

Today my OH received a SD from 1st Credit

..CCAed them over a yr ago..

Took them ages to send out a newly printed doc

..No sigs loads of pages, i think must be T and C new and historic!!

 

..the SD came by Interlink Express,,

But was just put through the letter box!..its a cred card £3.500

..we live in rented property.

.OH has no assets only a laptop

..all other stuff is mine has he moved in with me and nothing of any value any way..

..OH has been getting letters from 1st cred offing % off the last one being in june offering 60% offd debt..

 

SD wasnt served proper

..No name of court on SD..

..Do you think 1st cred are serious??

I think OH would prefer to be made backruped,,

He is a mature uni student unemployed and has nothing so would prob do him a favour

 

Cheers

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Have a read through the following link.

 

Legal Issues Explained - Statutory Demand

 

You really need to find out your nearest county court that deals with bankruptcy. As your OH will need to try to get it set aside. You don't really want him to become bankrupt, as it will affect him for many many years.

 

They issue the SD, as it is a good way to frighten people into paying. Once they realise, he has not money or assets, they won't bother, as to petition for bankruptcy will cost them £800+.

 

One of the valid reasons for getting the SD set aside is not being able to contact the person who signed the SD. So your OH should attempt to call the person noted on the SD once each day, over the next 3 days. He should not give any information, simply ask for the person. If they don't answer or they are not there, put the phone down. Make a note of the date/time phone call attempted.

 

He also needs to make enquiries about the last time this debt was paid for or admitted to. If 6 years have passed by without payment or admitting to the debt, it will be statute barred.

 

Here is another thread about a statutory demand process. There are loads of them in the legal issues folder, to help point you in the right direction,

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/265319-capquest-stautory-demand-3.html#post3034954

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he should be able to get that set aside without too much trouble...just download the forms, take them into the nearest county court which deals with bankruptcy, they will then send a date through to attend court..If it goes anything like mine did, about a week before the court hearing you will receive a letter saying they have decided not to go ahead...I went to the court anyway and got the SD set aside and costs awarded to me, which 1st cretins did pay, i've heard nothing else from them for over years, follow the advice of the good people on this site and you will be fine.

 

Good luck :)

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  • 2 years later...

I know this has probally been asked before ,, Should I send a I & E bank statement and proof of Earnings to bwlegal..

 

 

Definantly NOT ....they said they would consider £5 per month if we send..Is there a good worded Letter on here Basically telling them to get stuffed :) ??

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just as jam_buttie has said .

you have to get it into your head that you are the puppet master and they are the puppets you pull the strings not them .

you could if you want thank them as you have done your own I& E and found that your cannot afford £5 per month so are going to give them £1 per month also if they would like to keep on with the letters then you will invoice them for your postage costs.

PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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just as jam_buttie has said .

you have to get it into your head that you are the puppet master and they are the puppets you pull the strings not them .

you could if you want thank them as you have done your own I& E and found that your cannot afford £5 per month so are going to give them £1 per month also if they would like to keep on with the letters then you will invoice them for your postage costs.

 

 

I send emails now ;) ..they send letters ..they can have £5 if that not good enuff, they can proceed with the BR petition ;)

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You should inform the ''politely'' in the the following manner.

To the Compliance Manager

 

 

Ref: xxxxxxxxxxxxxx

 

Dear Sir or Madam,

 

I refer to your recent request for an I & E statement from me regarding my generous and genuine offer to pay you £5.00 per month off the amount owed I am sure

I do not have to remind you that my personal finances are just that personal and only a judge may order me to produce such a statement.

 

Therefore I enclose the first payment of £5.00 and will continue to paythis amount each month until ordered to pay more, I shall also review my finances every 6 months and reserve the right to amend they payment to a lower amount if circumstances require this.

 

RD to the compliance manager.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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No sorry I don't but I will alert the team for help.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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The OFT has stated 'it is a basic principle that creditors cannot refuse to

accept payments from a debtor. If we receive evidence of a creditor

operating a deliberate policy of refusing to accept debtor created

repayments plans to the point where it is causing more detriment we may view

this as an unfair business practice'

 

Just a little bit of information for you. :)

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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Their bank details are usually on the reverse of their letters. To set up a Standing order just use their branch no. a/c no. & the reference number on the letter.

Anthrax alert at debt collectors caused by box of doughnuts

 

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Just a little bit of information for you. :)

Thanks CITZIENB ..

I have found Bank details for lowells BRIGADIER Will be setting up a SO tomorrow,,Then I will reply to their letter on Monday ..Thanks for all your help ..I know they say Diamonds area girls best friend..Well in this case CAG Is ;)

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Thanks CITZIENB ..

I have found Bank details for lowells BRIGADIER Will be setting up a SO tomorrow,,Then I will reply to their letter on Monday ..Thanks for all your help ..I know they say Diamonds area girls best friend..Well in this case CAG Is ;)

 

And I will be Quoting what CITIZEN said in my Email ;)

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Nice one JB :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 5 weeks later...

Hi All

 

I think I started a Thread on this but cant seem to find it ..sorry ..So will tell breifly

 

OH was Issued a SD from BWLEGAL on behalf of lowells..HE didnt get is Setaside,

 

 

He has nothing so BR would reall noty be a problem .

 

 

.However he has started paying Lowell £5.00 per month ,,He offered this to lowells 4 years ago and they totally ignored him ..

 

Found a letter off lowells .

.Saying they are here to help

..make us an offer .

.We made the offer and paying monthly

..I sent bwlegal an email telling them of the offer and the letter from lowells

..Didnt hear no more.

 

 

.Today got a letter from BW sayin they will shortly be issueing for BR.

.But to advoid it they are offering OH a discount..( I smell a Rat)..

Cant afford to pay what they are asking .

.Its £5.00 or nothing??

 

I have Emailed BW and told them to refer to the email sent to them on 6th September ..anything else we should do ??

 

Thanks

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 1 month later...

1st Credit and Lowell seem to be doing this at the moment.

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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