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    • Hi there   thank you for the reply. No, it's not a silly question at all. I am convinced I didn't hit anything with my car. I was going very slowly and it was the guy standing next to his lorry in the road who punched and kicked my car as I went by. It's cause I saw him do it in the mirror.  I initially thought he did it because he thought I was passing him maybe too closely whilst he was messing around with his lorry ?  That's why I stopped and got out and asked what he thought he was doing hitting my car. He then just hurled abuse at me. Not making any accusations such 'you hit me' 'you hit my lorry' or you did this or that. He just swore and shouted at me. At which point I said I would be making a complaint to his company for his threatening behaviour and vandalism for punching my car. I went to my car , got my phone to take a photo of his number plate but then he came towards me again and I thought if he now hits me I am going to come second. I am a woman in her mid 50s travelling on her own and this guy looked like a Millwall football supporter (short, rotund, skin head) so I decided to leave this situation. I got back in my car closed the door and drove off before he could reach me.  I later checked my phone and noticed the photo was too blurred, as I turned and rushed back to my car too quickly before the camera could focus. So I thought it was pointless making a complaint as the guy couldn't be traced anyway, so I forgot all about it until yesterday. But this is all I can think of, it must have to do with this incident as it is in the same street.   
    • Please read the following thread very carefully. It is extremely relevant where you are suing Evri on the basis of a contract which you originally made with Packlink who are domiciled in Spain. A judgement has been obtained and we have applied for transcript and it will be put up on this thread as soon as we receive it probably about the end of July. In the meanwhile, read this thread, see what has been discovered about the Packlink/Evri/customer relationship and look at the witness statement very carefully. It's a long thread but don't give up. Once you have the transcript of the judgement, then I will do a more careful and explanatory post here   https://www.consumeractiongroup.co.uk/topic/459707-evri-lost-my-ebay-parcel-£844-court-claim-issued-judgment/
    • So if the breach occurred say Dec 2017 (first missed payment) and the default notice was issued Sept 2018 and the claim was issued 7th June 24 the claimant will of course be arguing it is within the limitation period (by 3 months)
    • Yep, I would  have brought up the other things like asking for their contract and receiving no response etc. but the mediation phone calls were rather short. Evri just said the contract was not with them (i said 1999 act response etc.) and the goodwill offer thing. Whole process took about 10 minutes in total. Seems like they don't even want to negotate in mediations anymore. "they're only given a certain amount that they can agree to in mediation per day" I mean its hard for me to say if thats the mediator paraphrasing or aa direct quote from evri I will look through that thread and share what I find, also for what its worth I also have everything I made for the previous claim WS and bundles etc. that I can tweak for this parcel, since it did go almost all the way to court and is a virtually identical case. that + this new stuff you shared above should be helpful to me
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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

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      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      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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status barred bc debt being chased by hfo


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hi

how do you check that cc are status barred without alerting hfo to this fact as i believe barclaycard e-mail them if there is enquiry regarding this also CRA let them know as well they would not stop interest etc have paid everyone else after 7 long years:jaw:

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The CRA does not report to the DCA's, checking for STATUTE Barred status

you need to know the date of the last payment or written acknowledgement of

the debt we often recommend that people contact BC and ask for this information

I've not seen any problems so far.

Best not to listen to rumours.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The CRA does not report to the DCA's, checking for STATUTE Barred status

you need to know the date of the last payment or written acknowledgement of

the debt we often recommend that people contact BC and ask for this information

I've not seen any problems so far.

Best not to listen to rumours.

 

thank you for your quick reply are you sure I would like to stop all the letters not just from HFO but mucky hall as well I would have paid these but all they just keep doing was adding interest and charges i did pay mbna off it took 7 years i had a cc with them at 3500 and paid them back 4890 i know i should reclaim but not ready yet would like to stop hfo at the moment did post under a different id but realise after reading that i was giving them to much informatiom also worried about a secured loan I had my house repossed in 2000 and there was a shortfall of 950 can they still askmfor this back they are sending me yearly statements with the contents no agrrement applied

 

thank you

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As for mortgage debts the limitation period is 12 years,

but there is a guidance from the mortgage lenders that

they should not pursue after 6 years.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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As for mortgage debts the limitation period is 12 years,

but there is a guidance from the mortgage lenders that

they should not pursue after 6 years.

 

Hi is this for a 2nd loan on the mortgage they were the ones that when for repossion not the 1st mortagees that were paid on time every time it was the second loan i could not afford. Also do i send a SAR is that right?? to barclay card or ring both debt are with them. Sorry for sounding thick thank you:smile:

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if muckyhall have this then it is prob statute barred

 

Muckyhall are like those little sucker fish at the bottom of the fish tank sucking up lifes scraps.

 

As stated they tend to go for debts that are either difficult to collect due to problems with the account or are already or very soon statute barred.

 

S.

  • Confused 1
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Send SAR to them.

Never be sorry for asking.

Brig.

Thank you I wil send a SAR Thank you to every body else for their quick replys I have spend so much time being scared of these people and would like to sort it once and for all. CAG is a life saver and I hope i can get it al sorted would like not to hide from the mail man any more lol. Will update when I get the information about what to do next. Also should I ignore the letters about the outstanding monies owed on the shortfall?? thank you:smile:

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type in hfo in the advanced search

 

there are many threads detailing a phone number and a person to contact

 

they will tell you when you last acked the debt

 

might be an idea to read some of the hfo/bc threads too

 

you need to play this carefully

 

i have also added to the thread title so the hfo crew will see this and advise

 

i'd make new threads for the other debts too.

 

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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Hi

 

Ring Barclaycard recoveries 0844 556 0066. Ask them for the date of last payment, also exactly when they sold this and the exact name of the company sold to. I have not known them contact HFO but what the hell? You are entitled to this info and Barclaycard no longer own this.

 

I appreciate that you want to settle this but get all the information first.

Please support CAG and they will support you.

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  • 3 weeks later...

Hi there seems to be a lot of interest re:HFO would just like to add my support I have reported them OFT and have received a reply asking can they use my information etc I was really scared at first re let sleeping dogs lie but you cannot hide forever I would like to ask anyone who has dealt with HFO to report them if I can do it so can you ,never been so scared in my life but I cannnot let them carry on and hurt people. If they get their licence back dont Moan you could have stopped them. REPORT THEM and FIGHT BACK.

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Every second post on here is due to HFO at the minute, they are obviously cautious of the fact they may go to the wall!

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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Hi there seems to be a lot of interest re:HFO would just like to add my support I have reported them OFT and have received a reply asking can they use my information etc I was really scared at first re let sleeping dogs lie but you cannot hide forever I would like to ask anyone who has dealt with HFO to report them if I can do it so can you ,never been so scared in my life but I cannnot let them carry on and hurt people. If they get their licence back dont Moan you could have stopped them. REPORT THEM and FIGHT BACK.

 

Hear! Hear!

Please support CAG and they will support you.

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