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    • OK, we can help you.   A couple of questions first.  You blanked out the amount they are claiming.  Can you tell us?  I bet they have added Unicorn Food Tax to their claim.   Also, can you remember if this was pay-by-app-only car park, or if there were other payment methods?
    • ok if you don't get your from the court tomorrow there are blanks here to send   let see. no immediate rush.
    • Hi Andy,    Thank you very much for your response. I'm just afraid if I take this to a small claims court and I lose, then I would need to pay their legal fees?
    • hi   im having a nightmare, barrister just quit said conflict of interest if use argument of undue influence on my husband   its not actually a point im going to use in witness statements, but he says he knows about it so cant act.   i have days to get these witness st  in and i feel abandoned. he says his advice still stands, we have a strong case   im scared to do fast track court on my own.   i have seen copies of internal emails between claimant and his solicitor- they rely on the loan offer and loan agreement being considered together as one contract. (they are sent and signed seperately at  different times, but want to append offer to form 'part of' loan) .- but also quite tellingly ask each other 'is there any other agreements with their personal signatures on?'   we are arguing - loan agreement signed 'on behalf of limited company' no statute of frauds , lots of case law etc. relying on construction of contracts and interpretation case law too in full barrister advice and legal defence   my husband never signed a loan offer, condition precedent which  they want to append to a loan agreement signed  only on behalf of company its easier to argue his case.   i have signed the loan offer  11 june (proved by certificate of completion), i have email where they nagged me to sign immediately or they will delay funds-email evidence to go in bundle   then they sent loan agreement for me to sign on behalf of company a day later 12 June-(docusign evidence provided but not actual loan agreement) - ididnt sign until the 17th    which contained information and definitions i required to understand the loan offer,   i never intended any signature on a loan offer to apply to a loan agreement i hadnt been sent or seen. this would lead to an unconscionable result due to their pressure and coercian   you've seen the loan offer and agreement above, what do you think   i am need of moral support today to see if i can manage this on my own.     TIA            
    • Hi  - no this is in another town unfortunately. snotty letter, ive tried 3 times to find one, ill try again    
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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Equifax still showing bad credit after 6 years


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Good morning,

 

 

Lowell is a debt purchase company.

 

 

Do you have any defaulted accounts showing on your credit files now?

 

 

If not Lowell Cannot put any entry on your files again.

 

 

Defaults are removed from credit files on the 6th anniversary of the default date paid or not and cannot return.

 

 

If there has been no payment or unequivocal written acknowledgment of the debt Lowell have purchased since December 2007 the debt is statute barred anyway.

Unless Lowell fully explain exactly what it's chasing file the letter and ignore until further information is provided.

 

Hi

 

Thank you very much for prompt reply!

 

when I went to HSBC to open A/c in last month, They gave Current A/c with 100 pounds Overdraft. so I thought may be my credit rating is good that's why they gave 100 pounds Overdaraft.

 

Therefore, I haven't checked my credit files with any credit ref agency so I dont know the current status..

 

Could you please let me know, "Would Lowell come to know if I check with Exprian (credit Agency) now". and please tell me what are important things I need take care while checking my credit files on Experian.

 

For more understanding about the situation I am pasting the Lowell's letter information below

 

Letter from Lowell stating that " we're contacting you about an account that we have purchased from Barclays which was opened on 2002. barclays have sold the a/c to us as there is an outstanding balance which they have been unable to recover.

 

we have used the services of a credit reference agency and they have provided you address to us. therefore we would like to confirm the information we hold is correct and up to date. plz call us straight away."

 

I got 2 letters with same date and same info as mentioned above.

 

 

Please help me....

 

Once again thanks a lot mate!

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Hi, I am still waiting for u r response!:???:

 

 

""""when I went to HSBCicon to open A/c in last month, They gave Current A/c with 100 pounds overdrafticon. so I thought may be my credit rating is good that's why they gave 100 pounds Overdaraft.

 

Therefore, I haven't checked my credit files with any credit ref agency so I dont know the current status..

 

Could you please let me know, "Would Lowell come to know if I check with Exprian (credit Agency) now". and please tell me what are important things I need take care while checking my credit files on Experian.

 

For more understanding about the situation I am pasting the Lowell's letter information below

 

Letter from Lowell stating that " we're contacting you about an account that we have purchased from Barclaysicon which was opened on 2002. barclays have sold the a/c to us as there is an outstanding balance which they have been unable to recover.

 

we have used the services of a credit reference agency and they have provided you address to us. therefore we would like to confirm the information we hold is correct and up to date. plz call us straight away."

 

I got 2 letters with same date and same info as mentioned above""""".

 

 

Please help me....

 

Once again thanks a lot mate!

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Hi, I am still waiting for u r response!:???:

 

 

""""when I went to HSBCicon to open A/c in last month, They gave Current A/c with 100 pounds overdrafticon. so I thought may be my credit rating is good that's why they gave 100 pounds Overdaraft.

 

Therefore, I haven't checked my credit files with any credit ref agency so I dont know the current status..

 

Could you please let me know, "Would Lowell come to know if I check with Exprian (credit Agency) now". and please tell me what are important things I need take care while checking my credit files on Experian.

 

For more understanding about the situation I am pasting the Lowell's letter information below

 

Letter from Lowell stating that " we're contacting you about an account that we have purchased from Barclaysicon which was opened on 2002. barclays have sold the a/c to us as there is an outstanding balance which they have been unable to recover.

 

we have used the services of a credit reference agency and they have provided you address to us. therefore we would like to confirm the information we hold is correct and up to date. plz call us straight away."

 

I got 2 letters with same date and same info as mentioned above""""".

 

 

Please help me....

 

Once again thanks a lot mate![/quote

 

 

 

 

You should check your credit files a soon as possible to see if Lowell has registered and data.

 

 

You have no obligation to confirm anything to Lowell.

 

 

If they are not sure that they have the right address Lowell should not be contacting you at all.

 

 

All debt collection agencies will search credit files when they acquire debts, but checking your files personally alerts no one.

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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thankyou very much....

 

i want to donate but bit confused how to do it...

 

could you let know... how can i donate to this website

 

 

Scroll down to the last post of this thread, click on panel for paypal to donate.

 

 

Your donation will be much appreciated thank you.

Brig.

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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done brig

 

 

 

 

Thank you Anil, I'm sure it is much appreciated!!

 

 

brig.

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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