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    • Did you send the note giving them the extension of time? When does the extension expire/date for issue of claim? I see that this thread started on 25 October. I have to say that when it started I thought it was going to be a quick fix and hadn't bargained for virgin's ineptitude which has certainly made it a lot more interesting but I'm hoping that March is going to be the month that it will finally all get sorted out. Surely someone responsible within Virgin has got to start taking a look and understanding the extraordinary mess that they have built for themselves and want to sort it out.  
    • Dispute with Vodafone and get copy invoices last invoice 2016 no balance on old number I have invoices upto nov16 showing no balance brought forward just before upgraded.   you say above you have all the bills that state a zero balance up until nov2016 are they in the SAR return too,? and all the ones after nov 2016?   the account number in the poc is this the same number as on those bills you have? and the number on the pages of the comms log you uploaded? as the comms log appears to show payments were being made right through the period you say the bills you have all show £0? then being transferred to other invoice numbers  , do these invoice numbers the payments were transferred too match the invoice numbers show £0 balance you have?          
    • no go back and read my guide earlier CAREFULLY...
    • Oh ok.   I thought I would need to write some sort of defence when I acknowledge the claim on the mcol website.
    • woe SLOWDOWN>   your defence is weeks away. (day 33) no there are no templates as each claim is unique. however, if you use our search top right. for say claimform card you'll see numerous versions people have adapted based upon our std holding/no paperwork defence , one of which, might well be suitable.   get CCA/CPR requests running monday and get AOS done now on mcol, you've already lost 10 of your 19days to do AOS   then get reading up as i detailed above the more you read here the stronger we become   dx      
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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.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      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.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      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
      • 1 reply
    • 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
      • 33 replies

Direct Legal and Collections - Harassment?


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I apparently owe Black Horse around £2500 for a car which was stolen,

the insurance paid out on about 3 years ago but the amount paid by the insurance fell short of the amount owed by the £2500.

 

A company called Apex Credit Management wrote to me about the amount.

I told them the alleged debt didn't exist.

There was then some email communication which ceased around 5 weeks ago.

 

I then received a letter from DLC saying I now owe them the amount and should pay within 7 days.

Today, I have had a phone call which I ignored, a voicemail which I also ignored,

and my colleague at work has said she has taken a call from them stating it was a "private call and matter" leaving her a reference number and a phone number for me to contact them.

 

I'm on annual leave until next week. This stuff could cost me my job.

 

Am I right in saying it is unreasonable by the OFT guidelines in debt collection for DLC to contact you at work? And therefore do I not have grounds for complaint?

 

As an aside, my credit file actually says that until 8 months ago my account with Black Horse was up to date?? So why all of a sudden try these tricks?

 

Any advice greatly appreciated.

 

D

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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Has the debt been sold or is the DCA just managing the account?

You need to use the telephone harassment letter from the CAG

library and send it to the DCAs Compliance Manager recorded

delivery.

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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Has the debt been sold or is the DCA just managing the account?

You need to use the telephone harassment letter from the CAG

library and send it to the DCAs Compliance Manager recorded

delivery.

 

I think it has been sold.

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter send the clowns that.

 

Then report them to the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

And make a formal complaint to Ofcom about their abuse of the communications network, and inform your network provider and go through their malicious calls procedure.

Even let your local MP know and have them raise the issue of this continued harassment by DCA's who are powerless to do anything, in the house of commons..

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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Follow Boos advice you can't go wrong.

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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