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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Easywayout
      IDRWW/J&P - Emirates (HSBC) loan/Card

      By Easywayout · Posted

      Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

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      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

HFO, please help!

lottieloves2

By lottieloves2
in Debt Collection Agencies

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coledog

coledog

Posted
Posted

Yes - PM it to me, I will ensure it gets distributed to the correct people. I have some complaints lodged with OFT as well, might see if they want an update.

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Posted
Posted
Lottie, can I have the details please. I would like to send my complaint to the Man that is investigating the HFO/TR debacale

i have PM,d you the contact.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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lottieloves2

lottieloves2

Posted
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I emailed the Notice of Dispute, as I got a bit wobbly when a 'scheule of litigation' arrived today. Got his back just now:

Dear XXXX,

 

Thank you for your email. The contents of which have been duly noted. I sincerely hope this response covers all the points raised in your communication.

 

Firstly, please could you kindly outline your complaints on harassment to us so we can attempt to address the situation. Having reviewed this matter, I can happily confirm that at no point did our actions breach the Administration Of Justice Act 1970, Section 40.

 

I can confirm that we are in receipt of your formal request dated the 14/11/10 requesting for a true signed agreement. I would like you to note that your request has been processed and we are awaiting the response from the original vendor. As this account is in dispute, until the requested information is received, we shall not conduct any further collections activity. Please refer to the Office Of Fair Trading’s press release dated 16th October 2010 which can be found here : xxxx

 

I note your comment “Therefore this account has become currently unenforceable at law”, again, please refer to the above press release.

 

It has always been our intention to work with our customers to resolve this matter. It would be very useful for us to be made aware on what facts / feelings your complaints are based, merely stating that you have made a complaint does not assist us to address any issues which may have distressed you.

 

I encourage you to contact me on 0203 024 9607 and resolve the matter at your earliest convenience.

 

For any clarification , please contact

 

Amita Choudhary

0203 024 9607

Account Manager

 

Regards

 

accountmanagemen

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coledog

coledog

Posted
Posted

Are you able to post up the Schedule of Litigation letter? Someone else got one of those today but had no means of scanning it - I think that piece of correspondence is worthy of a few complaints in itself.

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sillygirl1

sillygirl1

Posted
Posted

I've seen one of their Schedule of Litigation letters, it basically is a has of the old "When we get our CCJ we will do the following....." Doesn't tell you that YOU have a right to defend and that you have a right to counterclaim, just assumes you are going to roll over and let them win.... a complete misuse of the law. Unfortunately I can't get a copy of the one I saw but it is really nasty.

 

Sgtarts of with

 

You wll receive a 7 day notice of legal action from our solicitors then you have 14 days to judgement, then after judgement we will go for attachment of earnings, arrestment of bank account, charging order on property.

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coledog

coledog

Posted
Posted

Bart123 is a character who has been viewing HFO threads - don't worry about him. If you look at the bottom of the thread you can see who is viewing at the time but Bart was not around this pm.

 

That letter is total codswollop so don't worry about it but you must add it to your list of complaints. You should also send a complain to the publisher of the leaflets, with a copy of the letter, and ask them why you have been sent this with a letter making unsubstantiated threats and demands for an alleged debt that you are challenging.

 

I think HFO are getting a bit desperate.

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dadofholly

dadofholly

Posted
Posted
Let see if I've done this right, it should be below!

 

Who is Bart, they reply I got from today was around 4.30pm if that helps!

 

Seems strange that at around 2.00 ish you mention you have OFT complaint and that at 4.30 they send you what by HFO terms is a love letter. :-)

 

That litigations schedule is total tosh to put it lightley.

 

They are claiming they can go from letter before action - to obtaining a charging order/attachemt of earnings etc within 7/8 weeks. They also give the impression that this process will happen like this if you dont agree to come to a settlement .

 

It's a scare tactic playing on peoples ignorance.

 

I would add his to your complaint to the OFT if you have not already done so.

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