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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
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      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 .

Fictitious payments made by DCA's to accounts nearing Stat. Barred has any one case proof of this?


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Can any one quote or post up any actual proof of payments been applied to debts nearing Statute Barred.

!st. Crud insist that a payment was made on an account on16/02/2005, no record of any payments on defaulted debt show on any

CRA reports,last payment was made to OC on 22/06/2004, also they say £10.00 paid to 1st. Crud 16/02/05 they have only supplied

a reconstructed agreement 11 pages of T's &C's no signatures just their address and the alleged debtors,and have not replied

to request to supply proof of payment.

Case is at Northampton CCBC and a defence has been filed thanks to previous advice given here.

Time limit foe defence runs out 09/09/2010.

No comment from OC/solicitors or Connaught Collections.

Defence has been acknowledged by court.

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You don't need case law (unless it involved the same firms) you need to prove that in all probability you didn't make those payments. Require them to 'prove' how, when, where you made such payments. They'll almost certainly claim you made them in cash at some unknown place Keep demanding answers & they'll dig themselves into an even bigger hole than they have already

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Did you at any time send Postal Orders for CCA or SB - they have a habit as using them as a 'payment' to extend SB date.

 

It is their responsibility to prove beyond a reasonable doubt that you made the payment, not for you to prove you did not.

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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Hi Senior no payments or offers ever made,thats why I wondered if this kind of thing has been

challenged in court?

I supposes the ''Your word against their'' situation applies,they have disregarded all mention

since the letter stating not SB.

Tried all the muppet companies involved in this shambles but never a mention again.

Brig.

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Did you at any time send Postal Orders for CCA or SB - they have a habit as using them as a 'payment' to extend SB date.

 

It is their responsibility to prove beyond a reasonable doubt that you made the payment, not for you to prove you did not.

 

I wish .................Some judges will accept their word if you can't argue reasonable doubt you didn't & for that you need 'some' evidence

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My argument would be, that the account was in dispute, and as such I had ceased all payments due under the agreement on xxx date (when ever you made your last payment).

 

Accordingly the payment shown in 2005 cannot be accurate.

 

Having said that, it is obvious that the payment that has appeared on the account must have been mis-applied by the DCA, and obviously belongs to someone elses account .... which is even more worrying Mr Judge ...

 

Abs x

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Supposition is NOT evidence.

 

Judges like evidence no matter how flimsy. The OP needs to find out when, where & how these payments have allegedly been made & until they can argue (based on evidence) that it was/is impossible or even improbable to have made the payments the judge will almost certainly find in the DCA's favour

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I have gone through all correspondence 16 letters sent regarding the alleged payment

but not mentioned in their replies.

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Are you saying they have at no time responded to your repeated requests for evidence of the alleged payments?? If so I suspect you have them as a judge will not be impressed by their continual refusal to provide details Your evidence should include a simple denial together with a copy of your requests & their responses which will demonstrate their tacit refusal to provide the information simply because it doesn't exist & that any that does now appear is fraudulent

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Yes JonChris ,that,s the situation no valid CCA, Quoting the McGruffick -V- RBS case as confirmation

that they don't have a valid agreement,and the reason for the court claim.

Credit file shows no payments in 6 years +.

Responded yes, answered questions/requests NO!!!!

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