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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • Lorenz
      MCOL help not being paid for job

      By Lorenz · Posted

      No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Badtimes123
      LC Asset/Link/Kearns Claim Form #1 - Halifax CC

      By Badtimes123 · Posted

      Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • tedney
      HFC Marbles credit card SD - was dismissed as voluntary joint charge provided - now owed by Cabot - settled at home sale - was i overcharged?

      By tedney · Posted

      I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
    • FTMDave
      LC Asset/Link/Kearns Claim Form #1 - Halifax CC

      By FTMDave · Posted

      Open.
    • jk2054
      MCOL help not being paid for job

      By jk2054 · Posted

      did you submit your directions

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

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      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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Wescot and HBOS Credit Card 'debt'

Bilgeman
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Bilgeman

Bilgeman

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Hello, Folks

 

Haven't been on here for a while but I am currently getting letters from Wescot about an alleged debt with Bank of Scotland (Credit Card).

 

I asked them for a copy of the original signed agreement and confirmation that they are authorised to collect any alleged debt and they have written back saying.

 

"Having contacted our client they have requested that you contact them direct..... Please enclose a £1.00 fee"

 

So what do I do? My instinct is to ignore them or to say they have still not provided me with evidence that they are authorised to do this - anyone could demand money and claim to be acting on behalf of someone else - and say that until Bank of Scotland contact ME directly I will not consider that I've received any communication from them.

 

Does this sound reasonable and within the Law - anyone?

 

Thanks

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citizenB

citizenB

Posted
Posted

They have said for you to contact "their client" therefore it seems as though they are simply collecting on behalf of Bank of Scotland.

 

Have you been making payments of any kind to BoS ? if so....

 

I suggest you make your request to BoS for a copy of the agreement and in a separate letter perhaps send a "concerned" letter... something along the lines of..

 

 

Dear Sir or Madam,

 

I have been approached by DCA for monies, as I have been making payments to you as arranged and have not been advised of any change of ownership. Would you please confirm that this company has your authority to approach me and on what basis. eg: - are they the new owner of the account or are they simply collecting on your behafl.

 

Either way, I believe that you are obliged to advise me of this.

 

Yours, etc, etc.

 

 

 

Can I suggest that you use something like "signguard" or a grid of

 

XXXXXXXXX

XXXXXXXXX

XXXXXXXXX

to sign over

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Bilgeman

Bilgeman

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  • Author
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I stopped making payments when I first contacted Wescot (some time ago) asking for the signed copy etc saying that I would restart them on receipt of what I asked for. This is the first reply I've had

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citizenB

citizenB

Posted
Posted
I stopped making payments when I first contacted Wescot (some time ago) asking for the signed copy etc saying that I would restart them on receipt of what I asked for. This is the first reply I've had

 

 

Typical BoS - I suspect they have discovered they either dont have a copy, cant reconstruct one properly or the one they have is totally illegible - which would make it impossible for them to comply with the s78 request. So they have decided to offload the problem.

 

If you have made the s78 request before and they havent complied.. then press them for an answer. I have rejigged the letter from above.

 

 

 

Dear Sir or Madam,

 

I have been approached by DCAlink3.gif for monies, . Would you please confirm that this company has your authority to approach me and on what basis. eg: - are they the new owner of the account or are they simply attempting to collect on your behalf.

 

Either way, I believe that you are obliged to advise me of this.

 

You will of course be reminded that on DATE I made a legitimate s78 request enclosing the required fee of £1.00. To date, you have still not responded to that request and as far as I am now concerned, the account is disputed until such times as you provide me with this.

 

If you have genuinely employed the DCA or assigned the account to them - have you made them aware of the dispute, or that you have failed to comply with my legitimate s78 request ?

 

Yours, etc, etc.

 

 

You will not need to enclose the fee or make a new specific CCA request as you have previoiusly done so and it is outstanding.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Bilgeman

Bilgeman

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Thanks - I didn't wnclose the £1 fee which I had forgotten about so maybe that's part of the problem. I'll write to BoS again from scratch and enclose the fee and see what happens. Quite happy to pay up if they comply and it's genuine

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