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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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hi sequenci

no disputed debts

and let me clarify that these debts are personal and not for my business. Im a director of a dormant company at present.

i run up debts when I took the local borough to a tribunal and they refused benefits etc....all that is settle but Im left about 30K in debt and im trying to start again, which has been quite sucessful, except for the credit rating, and thats what made me think, "hang on, im going to be paying these off forev er and my credit rating will still be rubbish"

 

Im going to try and get the charges back on my credit cards and a tesco PPI which was sold i feel inappropriately and eventually didnt pay out when I was sick and unable to work! so these will help the balances.

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  • 4 weeks later...

BUMP!

Hello all

 

Further to my previous posts i have a further question.

I have just been notified of some priority debts from the council regarding unpaid parking fines. I cant contest as in my ignorance I have committed some of the offences. However this is not my issue

My question is regarding the priority debt. The council want me to pay more than I can afford. If I didnt pay the other debts I could afford it. Can I write to my creditors and inform them that because they are not a priority debt the priority now takes precedence and as soon as that is paid off I will resume payments?

Its taken me three years to sort them out so I am abit annoyed but Im left with little choice. Ive written "begging" letter to the council but dont hold out much hope.

Any thoughts please

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its your money, do as as you wish.

take control not let them do it.

 

i take it you've travelled the CCA route etc?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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thanks dx

Ive gone down every road I can except bankrupcy and IVA both of which I dont wish to do.

 

Im guessing that if there is no available money left after the priority debt is paid, the other creditors cant make me pay.

Im annoyed because I had settled everything and they were all happy with the repayment plans. Now the letters will start again. But I cant pay what I havent got can I? and I want to avoid bailiffs for the parking fines.

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have you cca'ed everyone that is demanding money from you?

 

as for the parking fine

thats a diff thing

.

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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When you say you can't contest them because you've committed some of them, do you mean admitted some of them. Most appeals against parking fines get them written off - you've nothing to lose by trying!

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Hi thanks all

I did that one with two of the fines and they dismissed the appeal. I havent admitted any of them. I figure that it will be less hassle to just pay because then the fine doubles with extra costs etc.

Ive written to Harrow council to ask if they will take mayments direct from my benefits...i know they can only take a small ammount. They previously wanted fifty pounds a month and with my other debts I couldnt do it.

If they insist of fifty again I will have to write to all the creditors and send them the council demand letters explaining that i cant pay them anymore becasue a priority debt has taken their money!

No I havent CCa'ed everyone, i know I owe the money you see so I thought id better make arrangements to repay even if it is at £5 per month.

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Incidentally, can I ask a court to change a payment order because I cant afford it ?

I have a judgement with an order to pay monthly but need to lower it....

are there special forms i need to fill in?

thanks

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Incidentally, can I ask a court to change a payment order because I cant afford it ?

I have a judgement with an order to pay monthly but need to lower it....

are there special forms i need to fill in?

thanks

 

n245 variation application:

 

http://www.hmcourts-service.gov.uk/courtfinder/forms/n245_0204.pdf

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  • 2 weeks later...

Hi,

quick question Im sure one of many!

 

Do I CCA the DCA or the credit card/store card company themselves or both?

 

I am concerned now that the tiny ammount Im paying may not be going to the right people

 

Im going to use this template I hope its right http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

 

Sushi

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You really should be sending the request to whomever is chasing - DCA or Original Creditor - not both

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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thanks silverfox.

Ive been paying various companies a goodwill monthly payment on my debts and I suddenly realised through this fab site that maybe it wasnt going to the original creditors. Noone is chasing me at present, but I dont see the point paying if its not enforceable.

If I miss one of these monthly payments with the DCA, will that show on my credit file regarding the original debt as a default?

what Im trying to say is that some of these DCA Ive been paying for 2 years and have I extended the 6yr life of the original debt by doing so?

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The debt exists as long as there is a debt, be it 6 years or more. Any default on your credit file stays there for 6 years

 

Unless the debt was Statute Barred before you started paying making payments just restarts the SB clock each time you make a payment

 

As for markers on your credit file. On my credit file, I ain't paid a bean since 2008 and all it showed was the account in default and now it has completely fell off my file

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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