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    • Debt advice charities are backing a regulatory crackdown by the Advertising Standards Authority (ASA) on “misleading” advertising by lead generators View the full article
    • I have been polite in my contacts but this is what I’ve got back . Shows what she’s like I’m afraid . I’ll just sit and wait . I’m not desperate for money just wanted to make sure they weren’t trying to con me as they have in the past .   DWP are dealing with the query. Obviously under under unprecedented pressure due to pandemic. I do not any help thank you.   To be honest I’ve had enough she’s now sent me this Nobody else is hassling me. Your solicitor can contact mine you know who it is . Please do not contact me directly again. You have no idea what problems we have here
    • Shame I can't leave 1 insult in there.. remove Wally & added as suggested:   There could be pedestrian crossings and traffic lights further down the road which may force the motorist to stop. Stray animals in the road, vehicles u-turning, emergency vehicles passing and police directions to stop, punctures, other mechanical problems, accidents etc etc:     Thanks again..  
    • I would wholeheartedly agree with the fact that involving solicitors will cost more than 1,000 pounds.    If she cannot start proceedings on her own as a LIP, then she would need to take a more passive (but, alas, long) approach. 
    • is this harwoods sols?   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual on the Gov't Gateway Site  note down your details inc the long gateway number given, you might need it later.  then log in to the MCOL Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. ... get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... .[use our other CPR letter if the claim is for an OD or Telecom Debt]  ....use this one <<< school fees . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
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    • 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.
       
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      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.
       
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      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
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    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
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Hi Sean how's things?

I have spoken to the baliff this morning and she told me she had spoken to the halifax and was surprised they had not got back to her as they can,once they have received the warrant,either pay up or pay a fee & file a defence(:eek: ) didn't realise that!

 

once they agree to pay then they pay the baliff and the baliffs office release the money twice a month so I think it's unlikely that I will receive anything before Christmas even if they don't defend :evil: absolutely gutted. she said that they might just pay it into my account so I said I'd look for a flying pig!

 

Hope you get on better than I have

 

Keep in touch

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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HEY moses,

 

I did the same and contacted the Bailiff and they are applying for a set aside!!! which I guess means they are going to defend!! Sounds like you may be in with a chance then of getting your money...fingers crossed..:)

 

So can anyone advise on what happens after a set a side is applied for???

 

 

Thanks

Halifax claim £2152 (LBA sent 4th Oct 06)

Halifax Money Claim entered 17th Oct

Halifax acknowledged on 18th Oct

Halifax make full offer 28th Oct.

 

 

Lloyds Claim request statements on the 5th October:D

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Hi yep that's what she said - that they could apply for a set aside which means they're going to defend they just haven't let her know yet.I think it's just another stalling tactic but it stinks to think they 've already had 28 days why should they be allowed any more.

I reckon they're just trying to ruin as many Christmas's as possible bah humbug!!:mad: everyone knows they wont go as far as the court they're just wasting everyones time

Oh I'm sooo mad!!!!

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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will do Lucy best of luck

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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Hey Sean,

 

You seem to have gone a little quiet. I have just receive notice that Halifax have applied for a set aside almost a month after the warrant was issued!

I spoke to the baliff & asked her how come they just don't go in & demand goods to the value of the debt as they would if it were joe bloggs-man in the street as it didn't seem fair & she just agree it wasn't but said it was very difficult to get near the Halifax "it's like fort knox" as there are lots of banks in the same building it would be impossible to do that.So it appears they give them unlimited amount of time to file a defence- I'm absolutely fizzing as 'm sure if it were the other way round I'd be out in the cold by now

 

Anyway I've had this notification from the courts about a set aside so I guess you just wait to hear about a court date- is that where you're up to?

 

Let me know what's happening with your claim & if you have any joy

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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  • 3 weeks later...

Hi Jayneuk sorry for the delay but have been back in England for Christmas and have just returned to my laptop.

 

Well I don't know what has happened with Sean he's not been around for quite some time - I feel a little lonely now going for the extra 2 years without my mate at my side!- anyway as I said I've had a letter from the court- saying the hearing has been set for the end of Feb so I'm just trying to read up & get my head round it all then maybe send a letter to Halifax . I haven't received an AQ or anything so I might phone the courts later will keep updating this post now I'm back on track

:-| mosessupposes

 

 

Halifax claim 1: S.A.R - (Subject Access Request) sent 07/05/06

Prelim " 30/08/06

LBA " 22/09/06

MCOL " 11/10/06

Money in account 25/10/06 Settled in full

Halifax claim 2: S.A.R - (Subject Access Request) sent 07/05.06

8 years claimed

Prelim " 30/08/06

LBA & offer

rejection " 22/09/06

MCOL " 11/10/06

6 years of claim offered 25/10/06

15/11/06 default filed

16/11/06 warrant requested

 

 

Capital 1 S.A.R - (Subject Access Request) sent 11/10/06

 

Black Horse S.A.R - (Subject Access Request) sent 17/11/06

Egg CC/Loan SAR sent 17/11/06

Haliax ERC pre-lim sent 17/11/06

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