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    • I understand that you may have suffered an injury and that you have memory problems. Obviously is not a good situation. However, you have to engage with this thread closely if you want to make headway. It is difficult for us to take an interest and then find that there is no contact for two months and then we have to start again refreshing our memories and being enthusiastic about supporting you. If your lack of contact is because of a memory problem then I think that you probably should make a note on a Post-it or something and put it in a prominent place so that you can remember to get back to us. It is very important for you – because you can be certain that the one people won't forget are Vodafone and eventually their debt collectors who will start to put pressure on you and start to make your life very uncomfortable indeed. I see that back in January I advise you to send Vodafone an SAR. Have you done this? It is an essential step. Also, as a matter of interest are you still with Vodafone? I'm afraid Vodafone are a very troublesome company. They are very inefficient – the only thing they seem to be really good about is about debt collection. There are extremely poor at dealing with problems when things go wrong. The one company we haven't had any complaints about so far is GifFGaff and they offer month by month no contract Sim cards. In effect they sent Sim cards out like confetti and no contract is ever started until the Sim card is actually activated in a telephone. This means that there can be no mistake and no commitment until you have actually made the choice to open your phone, put the card in and then to switch on the service. Even then, you are only bound for a month and then another month and then another month and another month – but you choose. As I say, we've had no complaints here. Have you sent Vodafone the SAR?
    • Dear New Tenant   L C S !st Floor West Wing Town Center House The MerrionCentre Woodhouse Lane Leeds LS2 8LY   02/03/2021   Our Case Ref xxxx Re Our Client E.On   Outstanding balance: £37.xx   FINAL NOTICE   We have been instructed to act on behalf of the above named client to recover the sum of the outstanding of £37.xx for dual fuel consumed at X Whatever Road, Sometown , Anyplace. Despite our previous communications and offer of help we have not received payment or valid reason for non payment for the outstanding balance.   Until you have cleared the outstanding balance, your details may continue to be shared with a credit reference agency.  Other lenders may see information about the way you pay our client and the amount you owe them which could affect your ability to obtain future credit.   In order to prevent any further action and potential inconvenience, we would urge you to pay the full sum immediately or alternatively contact our office on 03445439130 quoting Ref xxxx to discuss your options. Alternatively please email us at [email protected] quoting your reference.   Yours sincerely   Rebecca Carter For and on behalf of LCS   I suspect this is the kind of letter they send when they know they are stuffed?    
    • It already allows visitors to spend their quarantine on a golf course in an effort to boost tourism. View the full article
    • I’ve been getting debit collection letters from a number of diffrent companies but I don’t recognise any of them. So I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help. It just lists the debit collection company and the amounts they say I owe them. The amounts are staggering. now I was caught out once before by a debit collection agency saying I owed money but not who to and I just paid it. It wasn’t till after this that I found out that some agencies just send letters demanding payment for a nonexistent debit. On my credit report it says I owe money to the debit collection agent but there are no records of any original debit. no unpaid loans or credit cards.  so what do I do? I had a serious brain injury so I have memory problems and some untreatable mental illness. Thanks for taking the time to read this.
    • Hi, I’m sorry I haven’t replied sooner and that I wasn’t clearer. The situation is this.  I had a pay as you go sim and wanted to change to a VOXI pay monthly account. the guy on the phone said I’d need a new sim that would be a standard pay monthly sim. He told me that once I got the sim then I could call and have it put on a VOXI account. So. I agreed but at some point in the,long conversation after he ordered the new sim he said that infact I didn’t need a new sim and could just change my pay as you go sim into a VOXI sim. so he did that. I assumed that that was the end of the matter. I had done what I set out to do. And didn’t think about the ‘new’ sim because it was not needed. I assumed he had canceled it because it was not needed. then in January I get a letter saying I was behind on my phone bill. so I called them and that’s when I found out the ‘new’ sim had been ordered but never arrived .
  • Our picks

    • 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
      • 27 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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my OH recently received a letter from Cabot telling they had bought account from Citi, NOA of same date arrived in same envelope - wot a surprise!


Cabot letter says should still deal with DCA who had tried to recover for Citi - is this allowed?


OH is going to send CCA request, should this go to Cabot?


Plenty posts regarding antics of this combo, so want to want to set off on right foot, any help / advice welcome.


SH :???:

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I gather from your first line that you have read a bit about Citi and Cabot:-)


The CCA request should go to Cabot and include a £1 Postal Order(which they will send back)


Dependant on how old this account is will determine whether you get an agreement back or not. Citi are not known to be forthcoming with agreements.


There are plenty of us in the same boat as you so you are in good hands



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Thanks Fox, didn't expect such a quick response but much appreciated.


Letter is drafted, it'll be addressed and mailed tomorrow.


Is there any reason why postal order is preferred to cheque?



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It has been alleged that some unscrupulous DCA's will take a signature from a letter OR CHEQUE and photoshop it onto a blank agreement. Now I would never suggest that Cabot(or Citi) would stoop that low:| but better safe than sorry.

Make sure the letter goes by Recorded Delivery as we have had reports that DCA's are denying receiving letters sent by normal post

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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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as siverfox predicted, they've returned the postal order


interesting that they say they've had to refer back to citi for the agreement, now shouldn't they have made sure they got this from citi when they bought the alleged debt? cant wait to see what it looks like (pre 2000!)


to further highlight their ineptitude, they cant even get the balance right, having conveniently forgotten the payments the OH had been making to previous citi DCA.....no surprises there.


they say they'll write again if not able to supply within 12 days, who cares, it's their time /money they'll be wasting........tick, tock, tick, tock.....


i'll keep you posted


SH :lol:

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  • 4 weeks later...

a quick update.....


cabot couldn't produce any kind of agreement within the prescribed timescale, so the OH sent the 'account in dispute' letter off.


they've written on several occasions since advising that OC is having some difficulty locating the agreement (i'll bet!) and because the alleged "debt remains legally due" (based upon what exactly?) they recommend that OH contacts them to arrange payments ...needless to say OH declined and we'll wait and see what the agreement says!


they seem intent on reporting to CRA's, so will be having a look at that shortly to see if anything underhand is going on.


in between all that, had a letter from the original DCA (CDUK) protesting that OH should contact them to make arrangements to pay them, seems like their client had cut them out the loop!.....sent them a 'bemused' letter.


early days and already lots to complain about.......

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They are quite correct when they say the debt is due. They just can't enforce it via the courts.


Reporting to your credit file is allowed. So long as what they are saying is a true reflection of the account, there is nothing to be done about it

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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hi fox,


without a properly executed agreement, DN, TN, DOA, etc, cant see anything which entitles cabot to anything at this point, so we are inclined to just sit back and wait and see, what do you think?


'tween the 3 of them (citi/cabot/cduk), i'm sure the hole will just get bigger & muddier.





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They will continue to try and make it even muddier sHa_biggrin5.gif

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.


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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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Its against the OFT debt guidelines to have more than one debt collector chasing the same debt, you might want to make a complaint to all three nearest trading standards and the oft about it.



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  • 1 month later...

Well they (cr*pbot) eventually sent a reconstitured version cca, no mention of why it has been reconstructed or whether they actually hold the original executed agreement, which seems highly unlikely since this was originally an associates account which was later taken over by citi. I have sent letter informing that I still consider account to be in dispute.


Still no sign of the DOA - they have informed that this is a sensitive document and is not available to me, is there any way of extracting this from them without having to go through CPR (or scot equivalent)? I queried the authenticity of the 'noa' which was attached to their original letter of introduction, asked them to provide copy from citi, still nothing. I wouldn't have thought that this was sufficient although they still assert that they have proven they now own and are legally entitled to enforce this account - can anyone advise?


They're now threatening to instruct an external DCA or solicitor to commence legal action (see attached), has anyone had similar, is this another standard threatogram or should this be taken a bit more seriously?


They've also stated in a recent letter that OH signed the agreement, although continue to refuse to provide a copy, which I understand may be breach of CPUTRegs, can anyone confirm and how best to deal with this?


Comments & advice always welcome.





Edited by Sare Heid
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Hi gettingsorted,


Will watch your thread with interest to see how you get on.


Have you had a letter similar to the one I attached in post #14?, not quite sure how seriously this should be taken or where to go from here.





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Not had that one yet ! probably the next one as in the last letter they said they would not discuss the matter any further.

Its good to know (well not good but you know what I mean) that there are other people fighting the same battle as I am ! Keep us all posted.


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Citi are distinctly lacking in the paperwork department - there are a number of us in this situation here and on the Citi forum. I am waiting for them to put one of these agreements in front of a judge! I would not worry but it may be worth a SAR request to Citi -details below (I presume it is a Credit Card) and template attached to post


SAR Request


Subject access request letter attached to send with £10 postal order - send recorded delivery and sign over the dotted area at the bottom. They have 40 days to reply. They have 40 days to reply. Adapt the last paragraph to give any previous addresses that the OC may have and attach a copy of a utility bill or they will write back and ask for one.


Send to:


The Data Controller

Citi Cards Services

CitiFinancial Europe plc

PO Box 49920



General SAR template.doc

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