Jump to content



  • Tweets

  • Posts

    • Ryanair did not appeal - so ended as expected :-)
    • Quick update in case its helpful to anyone in the future.   Covid made things a little different i think, there was no prosecutor to talk to however the legal advisor to the magistrates was helpful and happy to make the decision to do the deal, this took place in the courtroom, although i had spoken to someone (i think an advocate) half an hour before who had made them aware of what i was asking. All was relatively pain free and ended up with a £3xx fine rather than the £8xx, and 3 points rather than 6.   Thanks for all your help MITM
    • Thank you for this – and thank you for the donation. You need to check your PayPal email address because that was the email which was used for it. It would certainly be nice to think that Hermes didn't know how to handle a claim for Conversion – but I'm afraid I think it is most likely that it simply escaped their notice – the whole thing. Anyway we'll see. There will be lots more conversion actions in the future and if and when they actually respond to them, will see how they deal with it.
    • Just to add, it may well be that the camber was slight – but coupled with the momentum of a vehicle, sliding on slushy ice, it doesn't take much to add that little bit of extra speed or momentum to a skidding vehicle   Also, you say that there was "not a lot of bend" at that site. Frankly I disagree. I think there is quite a pronounced bend and also the position of the van – which is roughly in the position of the white car in the image below – was pretty close to the band and if you imagine that it had started pulling out before the OP appeared and started to make its manoeuvre and was far enough in to the road to have a gap done its left-hand side that a Vauxhall Corsa could pass down, then I think that the bend was sufficiently aggressive to have been of concern to a prudent driver – who was parked on the wrong side of the road, who was trying to cross the carriageway to proceed on the other side of the road who had parked close to a bend and he was aware of the icy circumstances.     In fact if we take the width of the van at 72 inches – 6 foot. In order for it to be far enough out into the road to allow sufficient gap for a Vauxhall Corsa to pass down it, it must have been all of 11 foot into the road. The OP tells us that she lives there – and maybe she would be kind enough to measure the width of the road where the van was.  It is a narrowish  stretch of road
    • Yes I got the full amount back including compensation for the hassle and SAR that I requested as per the claim plus the court fees (£60 initial fee + £77 warrant fee). They had not adjusted it at all.   Am sure you're as surprised as I am that they didn't respond. But I do think they knew they had no defence against the conversion of property point, and backed by how quickly the judgement was issued by the Court. All positive and I hope whoever goes through something similar can use this as an example! It is your property and they are just providing a service regardless of the T&Cs!   Yes that donation is from me but not sure why it came from another email!   See attached the judgement with my details redacted.   All the best!     Hermes_GucciBag_Judgement.pdf
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 27 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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
  • Recommended Topics

Roxburghe/HFO old barclaycard debt


Please note that this topic has not had any new posts for the last 2914 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Did you actually send that as Coledog advised?

“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.

Link to post
Share on other sites
  • Replies 82
  • Created
  • Last Reply

Top Posters In This Topic

You still also need to find out when the last payment was made to the account. Although it was defaulted in 2007, the last payment may have been well before this. You need to find out if there was a clear six year gap before you made another payment.

“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.

Link to post
Share on other sites
You still also need to find out when the last payment was made to the account. Although it was defaulted in 2007, the last payment may have been well before this. You need to find out if there was a clear six year gap before you made another payment.

 

It's earlier in the thread DB, Noro you need to get that info in writing RE default date and last payment

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

yeah the last payment was above ^ do I resend off the CCA letter? I didn't send the account in default letter as coledog suggested, should I send that now or start with a CCA to Turnbull Rotherford?

Link to post
Share on other sites
It's earlier in the thread DB, Noro you need to get that info in writing RE default date and last payment

 

How do I get it in writing? Would Barclaycard supply this? They werent so forthcoming when I came into the branch.

Link to post
Share on other sites

Yes, send account in dispute letter only.

 

Did you send original CCA request recorded?

“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.

Link to post
Share on other sites
yeah i think I did? it was june now I look back on it. If I didn't should I send again? I send a SAE as well

 

No, just send the account in dispute letter. Make clear that you sent your original request recorded and have proof of delivery, so they can't wriggle out.

“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.

Link to post
Share on other sites

Hang on... what do you mean, if you didn't? Did you or didn't you (a) send account in dispute letter and (b) did you send the original CCA request recorded?

 

Please try and be precise in your responses!

“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.

Link to post
Share on other sites

I can't remember unfortunately if I did send the letter recorded back in June.

 

I definitely enclosed the postal order, I have just reprinted it off. One copy for HFO and one copy for Turnbull Rutherford (a front for HFO?)

 

Also the link above to the "account in dispute" letter isn't working, could you possibly relink? Thanks in advance.

Link to post
Share on other sites

Hi Noro,

 

Have I missed something - if the last payment to the a/c was made in 2006, isn't the a/c now Statute Barred. :???:

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites
Last payment 7/3/2006

 

This makes it Stat Barred if you are sure of this date

At your Service

 

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

 

Please support CAG and they will support you.

Link to post
Share on other sites
I've received 3 or 4. Unfortunately I binned 2. One of them was saying they had the debt now not HFO. The latest one is saying about.ignoring previous letters and that they will do all they possible they can to recover the debt. It also talks about OFT regulations and has a couple of quotes. They are addressed from a Mr Lee Cookman. I can probably get a photo of a couple and upload them if requested.

 

I made payments to hfo from - I think - May/June 2012 to December 2012. After that is when roxburghe got involved. I don't think the payments show on my cra file as its still showing the same balance, so I too suspect the payments just went to line HFOs pockets.

 

I will ring Barclaycard on my lunch today at work. See what info they can give me.

 

If you made these payment them it won't be stat barred.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

Link to post
Share on other sites

Yes - you need to check when any payments have been made. Do not worry, help is at hand. If you can scan and copy any correspondence with personal details removed that would be really useful - I assume that OFT are still investigating these bandits and legs to stand on comes into play here!

Edited by coledog

At your Service

 

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

 

Please support CAG and they will support you.

Link to post
Share on other sites

Evening all! By the way..

At your Service

 

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

 

Please support CAG and they will support you.

Link to post
Share on other sites

If payment was made in March 2006 and nothing further was paid until May 2012, then the debt would have been Statute Barred.

 

Once that happened, the SB clock is surely not reset. Once the debt became SB'd, any subsequent payment cannot make the debt current again and it remains permanently SB'd.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Alas, the payment was 2011, not 2012. Had to re-read to work it out! Not SB, but in default of a CCA request (which the OP may not have sent recorded after all...).

 

Whatever, time to send another CCA request recorded delivery. Now!

“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.

Link to post
Share on other sites

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites

Confusing, isn't it?

“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.

Link to post
Share on other sites

sorry for all the confusing comments guys.

 

Anyway I have sent off 2 CCA requests today,with the £1 postal order, recorded post to HFO and the so called "Turnbull Rotherford" - who I assume are another arm of the HFO blaggard robot. Is it 12 days I was for a reply?

Link to post
Share on other sites

2 working days for delivery and then 12 normal days for the reponse.

 

:wink:

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Link to post
Share on other sites
  • 1 month later...

Hi guys, I got a response. Finally.

 

Its a letter from Turnbull Rutherford, they have given me a "reconstituted agreement" as requested by me... is that what I requested?

 

It looks like a letter from barclaycard, dated 24th January 2013. Just a one paged letter, giving a statement of the account, and then 2 pages of T&C's.

 

Does this make sense to anyone?

 

They have also offered me a settlement of £150 to be cleared by... surprise, tomorrow. Even though I got the letter today.

Link to post
Share on other sites

No - you requested a copy of a true agreement. Recons are not that, and what you have received is not actually a 'recon'. Are you able to scan it with personal details removed?

At your Service

 

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

 

Please support CAG and they will support you.

Link to post
Share on other sites

discount letter = ignore them.

 

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... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...