Jump to content



  • Tweets

  • Posts

    • The date the bailiff came into my house was 12th Oct 2020 at 13:11pm
    • Thanks for replying, i informed the seller in December 20, they initially sent me the email below.   ""With reference to your valued order and our recent inspection of your images. We have now investigated your concerns and can confirm that there are no manufacturing defects present and your carpet is reacting normally. The change of appearance of your carpet is due to the way in which the pile has settled unevenly with use and can show in some areas more than others. This is caused by the heavy traffic concentrated onto a small area coupled with the twisting of feet as you turn. All carpets have places where it is walked on more than others. This is a normal characteristic of any carpet and pile reversal and pile compression is not considered a manufacturing defect and is a natural occurrence in any carpet with some showing the effect more than others In way of a more detailed explanation it is the sides of the tufts of your carpet that appear a lighter, more silvery shade than when the tufts are viewed end-on. As the pile settles, lighter and darker patches develop depending on the angle of the pile. It is quite common for pile to settle in different directions to the normal pile lay as foot traffic bends the pile different ways and this will dull the appearance and will distort very slightly the appearance as you must appreciate. The angle of the pile has no effect on the durability of the carpet and we are confident it will continue to give you many years of satisfactory service. This effect can be rejuvenated to a degree by regular use of a vacuum cleaner with a rotating brush mechanism on the head In conclusion, we would confirm there are no manufacturing defects present with your carpet and we hope our explanation will further clarify your understanding of the carpet’s characteristics.""     i objected to their explanation and they have agreed to send one of their surveyors when restrictions are lifted, my stance if they say there is no fault then surely the carpet does not posses reasonable durability based on the purchase price.   Thanks
    • Marsdens did not even acknowledge any of the letters. I think they ignore them so people get bored. I am just thankful that it was not me who owed the money. I do not know what I would have done. Do they usually collect debts from at least 8 years ago? I am just getting the date from my son he has the cctv record. I really wanted to know if they were allowed to go into an address that had nothing to do with the debt. Mostly because I am afraid anyone can just walk into my home. My daughter moved into the property 6 years ago . The man Richard whos name was on the paperwork moved out of that property approx 8 ytars ago. He never lived at my address.
    • Ok thanks. Understand, i thought it added to the time, so if held up in court you added that to your time. Assuming its discontinued
  • Our picks

    • 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

Please note that this topic has not had any new posts for the last 2713 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

Hi DX.

 

No, didn't get CRA file,

 

I'm still rather wary of checking anything with the credit reference agencies as I don't want to start opening a can of worms.

 

I have read somewhere that once you start checking, then the likes of DCAs know you might be worried about something and put on the heat!!

 

Sorry if I sound paranoid, but after nearly 6 years of constant worry, threats of repossession, harrassment from DCAs and bailiffs

I have just about run out of steam and the end of my tether is hanging by a thread.

 

I just want to sort this final problem out and hopefully I can get on with my life.

 

If I am wrong about getting my CRA file, then please feel free to put me straight!

 

Someone said that Noddle (?) was free to use, but after looking at things on the internet there seems to be a mixed reaction as to whether or not they are actually any good.

Link to post
Share on other sites
  • Replies 179
  • Created
  • Last Reply

Top Posters In This Topic

if you have not moved home recently

then your cra file will have all the info on you anyway.

 

its an old wives tale regarding your CRA file that has been pu to bed mny times.

 

noddle is ok

go get it

 

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

I have moved home recently (8 months ago), so it might not be right up to date.

 

Next question! Does anyone know where I should send the SAR? I have 2 addresses for Santander - one is PO Box 388 Sheffield, the other is Triton Square in London. The second is their registered office and the PO Box one is the address given on a statement they sent at the beginning of June.

Link to post
Share on other sites

Just had a thought. Don't want Moorcrap getting my new address (I live with an elderly relative and certainly don't want them having to deal with phone calls or people knocking at the door as they would never cope with it). If I sign up with Noddle, surely they will then list my new address for all to see? My bank knows my new address so maybe it will be on there already. Now I'm confused - although I admit that doesn't take much these days :oops:

Link to post
Share on other sites

if you've told your bank and you are on voters, it will alreay be on there i bet

 

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

I have signed up to Noddle and frankly there is very little on there, so I take this to be a good sign!

My new address is on there, but the last search done was by an anti money laundering company last year which was probably to do with paying off my mortgage.

 

There are no searches on there with regard to the new address and the only accounts listed are an old Barclays account

which is standing at 0 and my current bank account which says up to date.

 

The only reference I can find to Santander is where it names Mr B as a connection and the date for that is November 2010.

 

I am assuming that as I can't see anything listed as not paid or defaulted on that this is probably a good sign?

 

Out of interest, does anyone know how I can get rid of the connection between myself and Mr B from the credit report?

Link to post
Share on other sites

I'm afraid that I have found Noddle practically useless often way out of date, many companies only use Equifax or Experian, so there will only be entries on those CRAs.

I suggest checking either or both main agencies.

.

To remove a connection write a notice of disassociation to the Data Controller at the CRAs.

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:

Link to post
Share on other sites

BTW Midas provide legal ''services'' to the DCA

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:

Link to post
Share on other sites

ita good sign is not showing

 

i'd check credit expert too

just t be sure.

 

just remember t CANCEL the subs before 30days are up

 

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
  • 4 weeks later...

Still no sar from Santander, but it has only been about 21 days.

 

However, on looking at my credit report again, I noticed that this account from Santander was marked as 'settled' in December 2010. There is also a marker from the month before which says there were sustained arrears but a new agreement for payment was made with the lender.

 

As I didn't even know about this account, I haven't really got much idea what either of those things mean. If Mr B did indeed make a new agreement to pay then why is it marked as 'settled' the following month when, quite clearly, it wasn't. Anyone got any suggestions?

Link to post
Share on other sites

The date though is 2010.

 

We certainly never received anything at that time to say that the debt had been passed to anyone else

and it wasn't until I rang Santander in July of this year that I was told the debt had been 'passed on' to Moorcroft about 10 days before.

 

That leaves a gap of about 18 months between the account apparantly being closed/settled and the debt being passed on, which is why I am confused about it.

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

I sent my SAR to santander, which was signed for on 11 September 2012.

 

We are now well past the 40 days allowed and I have received absolutely nothing from them at all, so what would be my next step?

 

I can't find out whether or not the postal order I sent for the £10 has been cashed (I had it made payable to santander),

and the woman at my local post office said that there was no way of finding out - which, judging by looking on the internet, is true!

Link to post
Share on other sites

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

OK Notice of Failure to Comply with SAR should be sent RD to their Data Controller.

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:

Link to post
Share on other sites
Still no sar from Santander, but it has only been about 21 days.

 

However, on looking at my credit report again, I noticed that this account from Santander was marked as 'settled' in December 2010. There is also a marker from the month before which says there were sustained arrears but a new agreement for payment was made with the lender.

 

As I didn't even know about this account, I haven't really got much idea what either of those things mean. If Mr B did indeed make a new agreement to pay then why is it marked as 'settled' the following month when, quite clearly, it wasn't. Anyone got any suggestions?

 

thats what happen before its sold

 

the OC marks it settled.

 

then the 'buyer' puts it back.

 

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
thats what happen before its sold

 

the OC marks it settled.

 

then the 'buyer' puts it back.

 

dx

 

With regard to this one, i

 

t seems to have completely disappeared from my credit report last month along with several other accounts for things like store cards that were defaulted on around 6 years ago.

 

Could this be a possible sign that it is statute barred?

 

The only reference to an account with santander is if I click on the link for associated names and it still gives Mr Blackadder as being associated with me for this account.

 

Other than that there is no sign of it.

Link to post
Share on other sites

that will be the defaults 6th birthday

 

its a good sign of poss sb

 

but if you know you've made payments, then obv its not sb'd

 

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

green library tab top left

then dca section on the right

 

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
  • 2 weeks later...

Really sorry, I've gone to the library but I just can't find the failure to respond SAR letter. Perhaps I need a white stick!! Can anyone be a bit more specific about where it is?

 

Also, I have managed to call the Post Office (number for anyone else who needs it is 08457 223344 - lots of buttons to push initially, but the staff were really helpful once I got through), and have discovered that the postal order I sent made payable to santander has not been cashed. So at least I know that the SAR hasn't got lost in the post!

Link to post
Share on other sites

Thank you zydeco, found it!

 

OK, next problem :( The letter says about taking them to court if they don't comply. Good idea, only I just don't have the money to threaten this kind of thing and then follow it through. Not sure if I can adapt the letter in some way or if there is another option.

Link to post
Share on other sites

you dont need money

 

ICO first

 

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...