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    • Hi slick!    On 22 July they said they would refund me £74.07 Theres no DD in place as my membership was a once off payment in November last year. 
    • I'm trying to understand it all but I certainly tend to agree with my colleague @dx100uk that it looks as if you may have been taken for a ride. You found an advertisement for a bag on an online sales site. Instead of going through the established procedure of that site, which presumably allows them to recover a commission from the seller you started dealing directly with the seller who is an unknown person to you and of course that allowed the seller to avoid paying the commission. At whose suggestion was it that you went off-site? You then pay by PayPal but instead of logging it with PayPal as a payment for a purchased item, you tell PayPal that it was actually simply a gift or transaction between friends and family. This also allowed the seller to avoid paying a PayPal fee on the money. At whose suggestion was it that you paid in this way?       I don't say that you definitely have been scammed, but it doesn't look very good. This is how it might have happened: after you agreed to take the transaction off-site, so you lost the protection of the established system – and the seller avoided the commission and also avoided the sales site knowing that they had sold their item, you then agreed to pay the seller some money – but not for a purchase – simply as a gift. This has two consequences. Firstly, the seller avoids a PayPal fee and secondly, because PayPal has been misled as to the purpose of the payment, you lose the protection of PayPal if it turns out that you've been scammed or there is some other problem with the transaction. The seller then apparently sent you the parcel and they sent you pictures of a package with your address on it. Separately they sent you a Hermes tracking number – but there is no evidence that the package was actually posted to your address. The seller might simply have taken a picture with your address and sent that to you by way of reassurance – and then changed the label and posted the parcel to themselves but sent you a tracking number which is inaccessible to you and in respect of which you will be prevented from getting any information. All you've seen is a parcel with your address on it. All you've been given is a tracking number which satisfied you for a while until the parcel did not arrive and then when you started to make enquiries, you found that you were unable to access any details referring to the tracking number. Of course the tracking number says that the item was delivered – because maybe it was – but in that case it was delivered to the address on the parcel which might have been the seller's own address – or the address of a friend. I don't want to say that this is definitely how it happened, but it is a plausible scenario. Of course Hermes is an awful lot of parcels – but on the other hand I expect that most of the parcel is that going to Hermes hands are delivered successfully. We only get the bad stories on this forum. I can imagine that Hermes rate of successful deliveries is better than 97% because otherwise people wouldn't simply just hate them, they would go out of business.   We can help you bring a complaint against Hermes if you want. However, on the basis of what you say, the odds are stacked against you but it would be useful to try and find out the address which was associated with tracking number. As far as your apparent willingness to travel hundred and 50 miles to ask for your money back, don't bother. If you did actually go there, are you sure that the seller actually lives at the address that you have been given? What evidence do you have that? Of course if you found that the seller didn't reside at that address then it is slamdunk that you have been scammed. But then what are you going to do? You can try to inform the police but of course it won't get you anywhere. You can inform the sales website – but they will say that you brought it on yourself because you agreed to go off-site. You can inform PayPal – that they will say that because you sent the money which was calculated to avoid their fees, you have lost the protection. If you travelled the 150 miles and found that the seller did reside at that address, do you really think that they are going to hand your money over to you? If they are acting dishonestly then they will simply say that it is nothing to do with them, that they addressed it all correctly and they don't understand what has happened and that this is simply Hermes up to their old tricks. What are you going to do? You simply risk getting into a very nasty argument and depending on how bad it went, you might even find that the police are called and I'm afraid that they would be looking at you – not the seller. Maybe you can answer the questions that I've post above as to who it is who initiated the various ways of doing business.    
    • The legal campaign's going well then. The recount in Wisconsin gave Trump more votes but Biden even more, at a cost of $3m. And a donor to the organisation bringing the failed cases is suing to get his $2.5m back.   https://www.theguardian.com/us-news/2020/nov/28/joe-biden-gains-votes-in-wisconsin-county-after-trump-ordered-recount
    • Yes Unicorn feed tax again, can't sue the keeper for more than the Original Charge, so any additional Debt Collection fees aka the £60 they add is abuse,iof process as per HHJ Harvey at Lewes county Court What lookedinfroinfo is indicating is that the main signage on entry and dotted around is merely an " Invitation to Treat", not the offer, the Offer and Acceptance occurs at the payment machine, so wording there is key.
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Threats from 1st Crud/LCS


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Hi all

 

,Have been paying off a loan debt to 1st Crud every month for the past 4 years.

 

Have had letters from them in the past offering discounts if I pay off the debt

and even letters from them thanking me for making regular payments.

 

Now, suddenly, I'm getting threatening letters from LCS Solicitors

telling me I have to pay the full amount within 9 days or they will take it to Court!!

 

As I'm a pensioner living on £67 per week they are lucky to have been receiving anything.

 

Can I have suggestions as to my next step please.

 

Do I ignore the letter or write back??

 

Kind regards

 

Chickenlegs

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Hmm, wonder what rattled their cage?

 

I doubt very much in the circumstances that they would get much joy from litigation against you.

 

Just one question, do you own your own home ?

 

Do not under any circumstances, telephone them :)

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This, to me, is harassment. You are paying them, they threaten to set the hounds on you. NOT ON-Complain

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 citizenB and Silverfox1961, thanks for your quick replies! To answer your question citizenB - yes I own my home jointly with my husband. Who should I complain to silverfox and what should I say?regards,Chickenlegs

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Your complaint should be heading 1st Cruds way.

 

I would be saying that as you are a pensioner on a limited income and that they should know this, that to set their tame legal bods on to you is tantamount to harassment. You have been paying quite happily for the past few years and suddenly to get this type of letter is very stressful to you. If you have disabilities/illnesses you could use that too.

 

Don't suppose there are any charges on the loan that you could reclaim? PPI?

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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you say you have had discount letters

 

something smells here

 

check this debt shows on your cra file

 

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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  • 2 months later...

Hi all, To update you all on this.............

 

..I wrote to 1st Credit telling them the situation,

that I am a pensioner living on a miserable State Pension,

have health problems and that their letters aren't helping my stress levels!!

 

I have now had a reply saying they

"require medical evidence regarding your condition(s) from a Consultant, GP or healthcare professional".

 

My initial response was to tell them to p.... off but that doesn't help my stress levels either!

 

Come on guys, suggestions please???

 

Kind regardsChickenlegs

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please can you check your CRA file to see if this debt shows.

 

they are NOT OR NEVER

are entitled to know ANY of your medical history

neither

are they entitled to see ANY of your pers financial details.

 

no DCA has ANY LEGAL POWERS to demand ANYTHING

let alone MONEY.

 

dx

 

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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dx100uk thanks so much for your reply -

 

however, I have never ever checked my CRA and quite honestly, I don't want to.

 

I've read over the years of the caggers who have done so and these dcas come out of the woodwork suddenly.

 

We both have a lot of debt and at the moment, fingers crossed, only this dca is being awkward

 

- I couldn't take the rest of them joining in too!!

 

Hope you understand.

 

If you have any suggestions as to a letter in reply I will certainly do that though.

 

Kind regards

Chickenlegs

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old wives tale.

 

they already know where you are from voters and mobiles phone accounts etc.

 

up to you.

 

if you want to keep paying a debt that they have NO LEGAL RIGHT to collect on.

 

if its SB'ed then you owe NOTHING

i bet it was SB'ed before they spoofed you into starting to pay it again

 

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 dx,

it wouldn't be sb'd because I've been paying it continuously for the past 4 years, every month.

 

This is why I'm so aggrieved to have got a threatening letter from them

and then this further letter asking for proof of my bad health.

 

You know, I think I'll just very politely tell them to p....... off!! K

 

ind regards Chickenlegs

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just because you have paid,

it could have been SB'ed BEFORE you started paying them.

 

or the money you have been paying them has NOT gone off the debt but to THEIR POCKET

 

so the clock has been ticking since your LAST payment to the OC, who wrote the debt off years ago.

 

hence the discount letters

 

there are only ever two reasons for that letter

 

the debt is SB'ed and they want to get as much money out of you before you find out you've been cash cowed.

or

its all PPI or penalty/no paperwork exists.

 

get your cra file and check it shows

 

bet it doesn't!!

 

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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  • 3 years later...

Hi all,

 

Have been paying 1st Credit for years on a Sainsburys Bank credit card debt!

 

 

Earlier this year I had a letter from Sainsburys Bank admitting to overcharging me in 2007 on this account

and notifying me that they were contacting 1st Credit and crediting my account with the amount overcharged.

 

Two weeks ago I received an annual statement from 1st Credit and guess what!!

no mention of the credit from Sainsbury Bank on it.

 

 

I immediately wrote to them requesting an updated annual statement showing the missing information.

Nothing!! no response from them at all!

 

 

So what's my next move folks??

 

 

I feel inclined to write again to them saying I will not pay another penny off the debt until they send me a correct updated annual statement.

 

 

Any suggestions???

rgds Chickenlegs

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If they sold the debt, I'm pretty sure that they cant offset... Dont hold me to that though.

 

Well its your choice what you want to do. Id write to Sainbury's asking if it was paid to 1st Credit.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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If they sold the debt, I'm pretty sure that they cant offset... Dont hold me to that though.

 

Well its your choice what you want to do. Id write to Sainbury's asking if it was paid to 1st Credit.

 

 

I think you will find they can offset as when the account was assigned all rights and duties go with it, including any liabilities

 

1st Crud will now be the creditor

 

Jones v. Link Financial

Edited by obiter dictum
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Thanks for your replies folks. Offset???? Surely not!!! I can't believe that although I'm struggling to pay off this debt, they can simply 'offset' anything else paid against the account! But SB's letter clearly says that as the account is still open they will send the payment to 1st Credit for it to be credited to the account!! I think, as you suggest fkofilee, the first thing I must do is write to SB.

 

 

rgds CL

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about time you sent all these DCA's you are blindly paying a CCA request.

 

 

as pointed out last time

 

 

I bet they are unenforceable

esp as your had discount letters

 

 

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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Well you never came back

You prob could have stopped paying years ago

 

Is this a loan or a credit card ??

 

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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