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    • I have read through some of the Hermes threads
    • Should I send it to any Lloyds address or there's specific one?  Thanks again.  It means a lot knowing there's someone who is willing to help.  I appreciate it
    • I agree, guys.   Here's an article about NHS test and trace rolling out saliva tests to local public health departments. It doesn't seem to have been thought through and I didn't notice anything in the article about some of the £12bn being passed on to local authorities to help them run this.   https://www.theguardian.com/world/2020/oct/28/10-of-englands-population-could-be-tested-for-covid-19-every-week   'Some local public health directors have dismissed the idea already. One said he would refuse to take part because the tests were “short on scientific backing” and his stretched staff lacked the capacity to deliver at such scale. Another said the lack of any proposed support to track people’s close contacts if they tested positive rendered it pointless.'
    • The legal letter was sent online and it is above  I will repost below Hermes Capitol House 1 Capitol Close Moriey LEEDS LS270WH Particulars 0f Claim xxxxxxx 27/10/2020 I sent a £200 extremely well packaged laptop with Hermes and took up the option of the extra cost to get the £200 compensation and insurance.   For the past 10 weeks i was told that my parcel had been lost but then 2 weeks ago I was told by a manager by the name of Junaid that my laptop had been disposed off without my prior knowledge, the parcel was disposed of as it was "damaged beyond repair" after 1 hours travel.   I was told by many customer service agents and a manager that I would receive a refund. I have an audio recording of the manager assuring me I would get my money back and then he (Junaid) Informed me that the head of the claims department had changed his mind as the laptop was damaged through no fault of my own.   I am claiming for £220 plus £25 legal costs. I also sent a letter of deadlock over 2 weeks ago and I did not receive a response despite the letter being signed for.   Details of claim  amount - £220.00 court fee £25.00 total £245.00
    • Can we see a copy of the so-called deadlock letter please. I understand that you at least kept a copy of that. also I suggest that you take a bit of time and start reading on this forum about the steps needed to take a small claim in the county court.   have you read through some of the hermès threads on this forum so that you understand the issues and the basis of your case and that you have started to formulate your arguments?    
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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HFO keep sending me Litigation letters, Notice of litigation, Schedule of litigation etc.

 

They also send paperwork on attachment of earnings and charging orders, 3rd party debt orders.

After a good read these seem to apply to someone that has had a judgement and failed to pay it?

 

One also listed charges and fees for applying to take someone to court. I read it and thought these are fee THEY would have to pay and hope to get the money back if taken to court.

 

I am on IB and this is topped up with income support. What is the worst that can happen if they did take me to court? I have debts with other companies also so i presume any payment must also be shared between those?

 

Hard to see how they can take money i do not have. Freeze my bank account? I only put my bill money in that account to pay the direct debits for the utility bills.

 

Amount on each letter seems to be going up as well. £12 extra each time.

More scare tactics.

 

Advice please.

 

Thanks.

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This is pre-litigation, site team – can you move to the Debt Collection forum? Ta.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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This is pre-litigation, site team – can you move to the Debt Collection forum? Ta.

 

Thread moved.

 
 

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

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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Standard behaviour from HFO – just look through all the other HFO threads in the Debt Collection Industry forum. But these letters are usually the precursor to a court claim, so a CCA request right now would be a good move.

 

Do you recognise the debt?

 

Can you give us more details? HFO have been sitting on a portfolio of debts for four years, so depending on your circumstances, this may be SB.

 

Tell us all you can about the history of the account then we’ll advise further.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Hello guest – Bart alert!

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Complaints are a given where this circus outfit is concerned!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Who is the OC and how old is this? Have you received a notice of assignment from HFO or OC? Are HFO ringing you? If so never speak to them on the phone, ever, unless you can record it.

 

Send a CCA request, presume you know where the template is.

 

Complaints about the letters etc should be made to Consumer Direct and OFT

 

Trading Standards via http://www.consumerdirect.gov.uk/contact

 

OFT http://www.oft.gov.uk/ for the attention of James Waldron

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

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Hello, can we have some more info please, Thanks.

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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Interesting, when challenged the OP seems to vanish.....

 

If you are on benefits then there is a token £1 they will get, even if it goes to court - so the Wimbledon wonderco are onto a looser....

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Some very strange people on here... Seems I am being judged to be a timewaster or worse??? WHY?

 

sillygirl1. Please explain how I have vanished? Posted this just before midnight. Seems i posted in the wrong section and

my thread has been moved this morning. 16 hours later your accusing me of not returning?

 

How am I being challenged? What is a bart alert?

 

I thought I could get help with my genuine questions.

 

Answer to some of the posters who actually want to help, Thank you to those people.

 

Yes I did receive a notice of assignment a month or 2 back. Original debt was monument.

Not statute barred. Last payment Dec 2006/Jan2007.

 

Been out of work on health grounds since that date, I was on sick pay & contacted the CC companies

and went round and round in circles. Them asking for payment in excess of my sick pay me saying i could

not afford thet amount. In the end i stopped trying to talk to them and shredded all their letters.

 

Yes they still try to phone me, Never spoken to HFO ever. Phone or letter. Unavaliable, Witheld and actual

traceable numbers still call but i never pickup.

 

If i knew about this site back then things may have been different.

 

On the other debt board they said I should ask for the CCA but I am still shying away from contacting them.

I can see no reason why they would not have the CCA but I have read many many posts were they have failed to

provide one. But can they still contact you after failing to supply one?

 

I think bankruptcy would be my best option but i cannot afford to do that. 19 months to statute barred?

 

Thanks

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Sorry, this company has a bit of a history of 'troll' activity, particularly late Thursday night/early hours of Friday.

 

CCAing them is a bit of a red herring (IMHO), it won't stop them contacting you and will probably help increase the threat level activity. I will let others add their comments on this thread, we have the HFO fan club on board so that is a great help to you.

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When did they first make contact with you and how? Can you tell us the chronology of letters from them?

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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I only asked for more info, which you have provided.

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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Any chance of posting up the notice of assignment?

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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Doing the CCA is worthwhile, as if they do not respond you can put the account into dispute.Monument I think is part of Barclaycard, so worthwhile doing a SAR to Barclaycard.

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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But he did get it, we in the HFO fan club play by the rules, knowing HFO it is probally defective anyhow.

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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Is the NoA headed further notice of assignment?

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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OK looked through the recent stuff which has avoided the fate of the shredder. I have received a reminder notice of assignment letter.

I cannot find any original letter stating notice of assignment. Sold to HFO by monument and now being managed by HFO subject to their

standard terms & conditions 12% interest.

 

Waffle about they will devote all of their commercial and legal resources to collect this debt. Extremely important that i

contact them immediately.

 

As one poster mentioned i am worried that contacting them for a CCA may make the contact with them more frequent.

 

Chronology of the letters, Oh dear. I have a fair few debts and get letters from HFO, Mackenzie Hall and several others.

I just check the letters are not from courts and put them into one pile.

If its really important i probably could but it would take some time to go through them all and find out which company are

chasing which debts.

 

So far since the initial contact with the credit card companies where they asked for money i did not have i have never ever spoken

to any of them or the debt collectors by phone or letter.

 

Had text messages sent to my landline, missed parcel cards delivered with a stamp. Which i thought was dodgy as i was not waiting for

anything. Hundreds of phone calls. Luckily BT added caller ID for free on its weekend package so i can see who is calling & ingore it.

 

Bit of a pain when the hospital ring using an 08 number.. But at least they leave a message.

The debt collectors must have known how many rings they can get before the answer machine kicked in. So i had a cat and mouse game and

set it to answer after 1 or 2 rings.

 

Thanks

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For it to be valid in court the NoA must be sent registered post, so if it wasn't that is a valid reason for it to be set aside as they are not the OC. Unless that is he says he has received it in which case he has.

 

I think I did not make it clear in my previous post I meant the NoA not the CCA.

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For it to be valid in court the NoA must be sent registered post, so if it wasn't that is a valid reason for it to be set aside as they are not the OC. Unless that is he says he has received it in which case he has.

 

I think I did not make it clear in my previous post I meant the NoA not the CCA.

 

Firstly there is nothing to set aside.if you admit to receiving a NoA, it does not matter if it was not sent recorded post and compliant with s196 of the act, you have admitted to receiving said notice, you must never lie in court, let others do that, instead use their defective NoA againsts them.

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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Don,t forget a notice of assignment does not prove legal assignment, it is just notice, I would always advocate getting the other side to produce the actual Deed and lets see if that complies with LoP act and the companies act, cos HFO,s don,t..........

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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Hi again

 

Right, the problem with this is you are being harassed by HFO who probably have less right to your money than I have. The quickest way to get rid of them is a CCA request, you can add 'I acknowledge no debt to your company, this letter is in response to your continued harassment and I require you to prove that I owe this debt'. Also send the telephone harassment letter. If they do not respond within 12 plus 2 working days send the account in dispute letter. This normally shuts them up and they cannot take legal action while there is an outstanding CCA request.

 

Monument cards are now operated by Barclaycard so ring them and try and get some info on this. Ask who they sold it to and when. A SAR may be a good idea also

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

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I would always advocate getting the other side to produce the actual Deed

 

Deed of assignments are usually related to property and can only be requested by a Court.

A NOA, will usually be sent in the same envelope, one purporting to be from the OC saying they have handed the account to "Carry on up the Khyber" and the other one from "Carry on up the Khyber" saying they have been instructed by the OC to harass, threaten and intimidate you.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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