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    • orbit are another name for payplan debt advisors. supposed to be free but I bet she got charged for the visit on her bill.   yes to mediation 1 wit you 3 copies   don't forget you each need to do the N180. and each need to send a copy to the court and the claimant sols or the claimant if they don't appoint a new lot   your issues can be drummed out in the mediation session.  
    • I thought that as it was an eviction, court order etc that it was recorded, I ask as its asked on new tenancy applications if the applicant or anyone moving with them has been evicted in the last 7 years, and some councils will not re-home anyone or anyone that has a person moving with them if they have been evicted in the last 7  years.  So am wondering if that's because after 7 years the eviction isn't on record. As is an old debt dropping off records after 6 years.   Trying to get a reduced payment on the balance of old rent arrears to get it paid off asap but the old landlord is threatening it will affect any future applications for housing if this is achieved.  If we could borrow the full amount we would and get rid of it, but we cant.  The old landlord will never again be a landlord to us but its just if the bad experience with them will affect us in the future if we get a reduced amount and shake them off now.
    • i thank you for advice Bankfodder,  im sorry you or your team are to busy to correct my mistakes but given the fact that i have physical & mental impairments  and  only recently begun learning how to use a computer and the internet  i thought i was doing okay but obviously not, word of advice for you stop and think before you judge in the future and stop being so patronising, REGARDS.
    • Hi -    I have been having trouble receiving any compensation (or even any engagement) from a parcel I sent via MyHermes/Packlink.   I'll relate the story via a time-line:   19/01/2020 Sold item on ebay. Item details as follows: Jane Matrix Light 2 - Multifunction Infant Car Seat. Boxed and as new - Value £100.   20/01/2020 Looking into posting the item I see that ebay now offer a complete service whereby you can pay and print packing labels, etc. They allow option to Choose Courier so I did so and selected MyHermes. Paid for postage, printed label and arranged pick up by local courier. Postage costs £7.39 and insurance paid for.   22/01/2020 Courier picked up parcel and gave me tracking number. Check tracking daily from this point on.   27/01/2020 First mention of any trouble on tracking info: "We're not able to deliver your parcel to the address we have. Please get in touch so we can get it back on its way to you."   28/01/2020 Ring Hermes customer services. Confirm recipient address details etc. They say they'll attempt redeliver.   30/01/2020 Parcel has still not arrived so ring customer services again. They admit parcel misplaced but that they'll do a "depot sweep". This is unsuccessful so they direct me to filling out claim forms. It then emerges that Hermes are not accepting that it is them that I'm dealing with and direct me towards a company called "Pack Link". This is literally the first time I have heard of them, I do not remember seeing anything relating to them when paying and booking postage. However, I go do the route of filling out their forms etc.        From this point until today, I have been in touch with Packlink approximately every day. They keep replying to me that they need some kind of new proof of purchase/proof of value etc (screengrabs and the like) but despite complying with requests throughout they always say something like "that screengrab is too small" or "it's blurry". I have been meticulous in providing them with multiple proofs and multiple formats (even painstakingly making pdfs and word docs with very clearly visible information) but they still reply that they need other proof. They have now stopped responding altogether.    If I then take the complain to Hermes, they completely brush it off and tell me that my contract is with Packlink. I note that Packlink are based in Spain, making it near impossible to pursue any kind of grievance procedure with them.     Does anyone please have any advice as to this matter? Is it worth me taking Hermes to the Small Claims Court, or would that likely be brushed off due to "contract being with Packlink"?   I would be immensely grateful for any help and advice - as it stands at the moment I am £107 out of pocket as, out of decency, I have refunded the party that purchased the item. My complaint seems to be on standstill so I am at a loss of what to do now.     Thankyou in advance,          
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nomorestudent

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Please help!! I've just received a letter from the above saying that I owe them £ from a student loan I took out in 1994 - 97. I have had zero contact with anyone about this since at least 1999, and they say they will not accept monthly payments but want the money within 21 days or they will come round and recover goods! I am in a state. I'm afraid i did foolishly call them as wanted to sort this out, but have been reading that I shouldn't have phoned. Can they do this??

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in a word, no they cant do this, they are not bailiffs, stop calling them and wait for thier next begging letter


PGH7447

 

 

Getting There Slowly

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Advice is given freely but is in no way meant to be taken as Gospel:-)

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should I send them a letter telling them it's staute barred and quoting relevant legal comments?

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They actually put in writing that they would come to your house and take your stuff??

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The letter states *DO NOT IGNORE THIS NOTICE, FURTHER ACTION WILL BE TAKEN TO RECOVER THIS DEBT INCLUDING AN AGENT ATTENDING YOUR PROPERTY OR LITIGATION* When I called i said we did not have the money, she said perhaps you can sell something or ask family, I sadi we can't, she said well do you want 21 days to find it? I repeated, we do not have this money, she said ok then I'll tell my manager to start recovery. I then said I cannot speak to you at this moment. It is ridiculous and then put the phone down. I am worried sick :|

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****, I have blown it by admitting it exists haven't I?

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OK, stop speaking to them on the phone. If they call again TELL them to put it in writing and put the phone down. Acknowledgement only counts if you pay or put it in writing.

 

Their letters are designed to scare you into paying, don't be scared. Send them a letter stating the debt is statute barred and you won't be paying. Someone will be along to post a link to the letter template soon enough.

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Thank you. I am actually in tears here.

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Dry your eyes! They are sub-human **** and rely on fear to collect debts.

 

Chin up and feel safe in the knowledge they CANNOT touch you.

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If you didn't defer, make a payment or written admission of the debt for a clear period of six years (five in Scotland) it is Statute Barred... end of. ;)

 

Send this; http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred


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Thank you so much. I feel such a moron for phoning them but then I wanted to try my best! I've never had such a horrible response -It's frightening and I'm not usually scared off by such things... I'll send the letter (not signed by hand of course!!) and see what happens

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The CAG mantra is never speak to these people on the 'phone, everything should be in writing.

 

If they do 'phone you must refuse to speak to them and demand that they communicate in writing only. These telephone monkeys have a habit of saying things they would not dare commit to paper. ;)

 

They may come back and say a phantom payment has been made which would prevent it from being SB. The onus is still on them to prove it & provide evidence of by who, when & by what method any alleged payment was made.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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but can they use that I offered on the phone to try to come to an arrangement as a reason to wipe the 6 years?? if you see what I mean...

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but can they use that I offered on the phone to try to come to an arrangement as a reason to wipe the 6 years?? if you see what I mean...

 

No, they need written evidence. They could have spoken to anyone. ;)

 

Besides, if there was any clear period of six years it would be SB. You could admit it in writing, tattoo it on your bum & display it in Harrods window & it still wouldn't unbar it... nothing can.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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17 Port & Maritime Regiment RCT

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Oh God, I've now been told by someone that pre 1998 student loans aren't covered by the 6 year bar, but it's 25 years plus they will not write it off if nothing has been paid off it. Basically, I never paid anything, and never even got a chance to defer as no-one has been in contact with me about it since around 1999. I am seriously scared again!!

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The 'old style' loans pre Sept '98 can/do become SB after six years. They are confusing the 'New Style' post Sept '98 which doesn't. ;)


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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