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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 .

I sent the letter to dispute the account and it is ignored what next


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I have used one of dpick's letters to ask both citi card and MBNAlink3.gif to cease using my information and zero my account alst that I wished to put the account in dispute, as neither sent me the origional signed contract. since then I have received phone callslink3.gif and letters threatening to report defaults on the accounts so I suppose the question is does any one know what to do next. all advice gratefullu received

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Hello and Welcome, Magman.

 

I'll move this thread to the appropriate Forum.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

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Hi,

Just carry on posting as normal. You won't notice that your thread has moved.

 

Anyway, just because they cannot supply you with a copy of your agreement doesn't mean that the debt doesn't exist and as such they are entitled to carry on reporting this to the Credit Reference Agencies so long as the data is accurate.

If you are finding the calls harassing, you can send em a letter to stop (whether they will or not is another matter)

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Silverfox Really appreciate this reply.

 

This is simply a query if there is no signed agreement.

 

Does this not mean.

  1. MBNA & CITI's terms and conditions were never agreed?
  2. MBNA & CITI has no right to report personal information?
  3. MBNA & CITI have No right to apply intrest and charges?
  4. MBNA & CITI,s statement is incorrect?
  5. Do I have the right to dispute the account?
  6. How are these situations brought to an end?
  7. Should I just keep paying minimum payment?

Regards

 

Magman

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Silverfox Really appreciate this reply.

 

This is simply a query if there is no signed agreement.

 

Does this not mean.

  1. MBNA & CITI's terms and conditions were never agreed?
  2. MBNA & CITI has no right to report personal information?
  3. MBNA & CITI have No right to apply intrest and charges?
  4. MBNA & CITI,s statement is incorrect?
  5. Do I have the right to dispute the account?
  6. How are these situations brought to an end?
  7. Should I just keep paying minimum payment?

Regards

 

Magman

 

1. Maybe, but they will quote that although the Agreement is unenforceable in Court, it does/did exist.

2 Same answer

3. Well, they can apply what they like, whether you pay is your decision.

4. In what way?

5. Yes

6. When they become SB after 6 years (5 in Scotland)

7. Your choice.

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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Thanks harrassed senior.

 

I am new to all this, I am trying to assertain the legal stance as to when intrest and charges can be reclaimed from the banks.

Correct me if I am wrong, were an agreement is not properly executed can intrest and charges be reclaimed?

If this is the case then the statement must be incorrect

Following the same logic I did not sign the agreement, there for did not sign to accept the terms and conditions, nor did I sign any thing to allow them to pass on any personal information to a third party for any reason.

Have I missunderstood this situation.

 

How have other people managed to get these situations cleared up, or have they all waited the 6 or 5 years respectavely.

 

All advice gratefully accepted.

 

Regards

 

Magman

 

 

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You say you signed nothing, when did you take these accounts out, was it online.

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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if the agreement is not properly executed the best you can hope for is that it cannot be enforced in court...it will not stop them trashing your credit file or adding charges/interest to the account..mostly people have just waited out the 5/6 years until they are statute barred and fall off your credit file....you have to remember that you did in fact have the money/goods or whatever...the debt doesn't just miraculously go away because the agreement is not sound..and i think you would have a hard time arguing that line in court

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Thanks dept4get

 

If I read this correctely.

The companies that every one on this forum write about, that can resolve such issues, the replys which say, you can do this your self are just so much hot air chattering? The truth is if the card company have a signed copy they will take you to court and win and if not destroy your rep 6 years later the case will be SB as simple as that. The letterrs etc are just hot air if I have understood correctly you just stop paying and tuf it out or keep paying and suffer?

 

Regards

 

Magman

 

So I should just keep paying the minumum, sounds nasty. I really cant afford my credit rating trashed I have enough problems as it is.

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Thanks harrassed senior.

 

No these were not applied for on line and are 10 Years old. I was working at a trade show these companies were promoting cards, I filled out the forms but did not sign any, I dont sign anything at such shows nor do I buy any thing as this is always a dangerous situation to make any purchasing decision.

It is a copy of this unsigned form which MBNA sent as the agreement. Citi card have sent nothing.

 

Regards

 

Magman

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pay or dont pay they will still record the default against you unless you pay the amount they ask for...myself i dont care about my credit rating as i have learnt my lesson...no credit again whatever..if i want something i save for it and wait till i can afford it end of...even if they have an agreement doesnt necessarily equal a court case...why they pursue to court is for a number of reasons known only to themselves...there doesnt particularly seem to be any criteria i can work out that they work on

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