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    • as it was obvious what it was lets hope its not suffered the fate of other like object and goes 'missing' as a useful item whilst in the chain of people that deal with it, sadly a very common thing.   there are 1000's of thread here like   Parcel2go Hermès Lost/Damaged Item - court claim issued ***Won*** - Postal and Delivery Services - Consumer Action Group   the fact you didn't take the extra ins is of ZERO relevance 
    • their system often have issues over w/ends till someone goes in tomorrow and resets things. don't worry.    
    • Stu007 and team-   My apologies for not getting back to you sooner-   Yes, I'm assuming the mattress is their own property, this assumption being that the supplied receipt is in their name.   Tenants supplied the pic on 5th June and vacated property 7th June.   Today I gave them a price to deal with all the garden issues, if they don't get back to me am I In my rights to let the work go ahead and deduct it from the deposit? There is a time issue here as a new tenant is due in next Monday 21st.   If by any chance  they do have contents insurance, what are the chances of them succeeding with their claim for the mattress- zero/maybe?   I understand that the deposit is being held by the TDS, sorry my knowledge only goes that far.   Should I be wary of asking the TDS for guidance here? If this all goes t*ts up, they will be dealing with it anyway.   I'll let you know what the Solicitor advices when we speak tomorrow.   Thanks again
    • @[email protected] quick one - just about to complete and email the N215.....where it says 'What documents did you serve? Please attach copies of the documents you have not already filed with the court', what does this mean, please?   It's OK, I included the additional POC. However, worth noting that I received this bounce back email:   Thank you for emailing the County Court Business Centre's (CCBC) MCOLAOS inbox. This inbox is now closed - any emails should be redirected to the below email addresses:     IMPORTANT You will need to send any ‘claim response’ which includes the acknowledgment of service, part admission or defence/counterclaim forms as well as directions questionnaires (DQs) directly to [email protected] to ensure that they are filed correctly. Your email has not been forwarded.   N244 and N245 applications should be sent to [email protected]   All Other Correspondence should be sent to [email protected]   The deadline for documents to be received is 4pm, any documents received after this time will be classed as received on the next working day.     The office will be closed on all bank holidays.   So I did and got this rather frustrating reply:     Your message to [email protected] couldn't be delivered. ccbc wasn't found at justice.gsi.gov.uk.
    • Please can I seek assistance in making a claim against Parcel2Go -   The full circumstances are as follows -   I successfully sold my old mountain bike via Ebay for over £200.00 and used the portal Parcel2Go and selected Hermes. The bike was packaged in a full size box from Halfords secured with tape and the Hermes label printed off and secured to the box.   At the time of paying for the cost for the courier I elected to select no additional cover for loss or damage (reason for this was how can you lose a large box, how wrong was I).  The full cost of the bike was however declared when booking the courier.   The bike was collected from my home address by the courier on 14th May and after a short time I decided to check were the bike was and via the Hermes tracking facility it stated - We’ve got your parcel and we are processing it   I raised a query with Hermes who said they would look into the matter and eventually received notification that the parcel was missing.   I queried how can it can go missing and asked them to provide me with the address for the local depot along with asking what enquiries have  been conducted, no response  received to these questions. Eventually they responded to say that I must go through Parcel2Go after I sent them further messages.   Therefore I contacted Parcel2Go submitting a claim for loss / compensation, they asked for specifics including a detailed description of the item and the size of the box it was posted in. After the elected date nothing was heard from them so I sent a prompting email and eventually I received notification from them saying that the parcel was missing and due to the fact that I had not elected for additional  cover for loss there would be no compensation and the matter was closed.    There has been no explanation from either party as to how the package has gone missing or what investigation has been carried out and neither party has supplied me with the local depot address. I have informed Hermes that suspect foul play possible theft, no response.   I have written a letter of intent and I would like your opinion on  the content before it is posted to Parce2Go.   I am willing to pursue the matter.   My arguement is this. I accept that I have not elected to pay for additional cover and I would even accept that if the bike were delivered and went missing at the recipients end that I would not have a leg to stand on for a claim. But for a parcel, a large parcel that is not easily mislaid to go missing whilst in Hermes possession is a clear case of negligence on Hermes behalf.   I have digested part of the consumer rights act and also read through some of the terms and conditions of Parcel2Go and the main argument I have is that a parcel, of some size has been lost therefore the following has not been adhered to -    Extract from the consumer rights act:   “Every contract to supply a service is to be treated as including a term that the trader must perform the service with reasonable care and skill.”       I look forward to your response.
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American Express debt passed to SRJ - Income and Expenditure


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Hi All

 

I had an American Express debt passed to SRJ and had a payment arrangement in place.

 

A E have now passed that debt to another debt company vilcollections.

 

I am continuing to pay vilcollections

but they are saying that no payment arrgt was agreed with them

and i must supply an income and expenditure form which is very detailed.

 

They say my payment is a good will payment.

 

What are my obligations?

 

Many Thanks

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None, if an arangement was made with the original creditor then they must accept the situation.

Tell them so!!

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Yes. If an agreement was already in place, they must honor it. Ignore them and tell them that is how much they are going to get. Non negotiable.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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http://www.consumeractiongroup.co.uk/forum/content.php?840-Stop-your-bank-or-lender-breaching-their-instalment-agreement

 

Have a read of the article in the link above. If a payment arrangement was in place when this new kid on the block took it on.. then they must accept what was in place. They simply cannot renege on the agreement, they purchase the debt with any encumbrances.

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They will argue BUT the above is absolutely right.

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Thread moved to debt collection forum

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now in amex forum.

 

can i just point out

that SRJ

 

and even more so

VILE collections

 

are very very much bottom feeders

 

and only real in lemon debts

 

how old is this card

does this debt show on your cra file [see below]

ever CCA'd them

ever sent an SAR to get all the statements and get reclaiming.!

 

its a pass the parcel debt me thinks

 

here you have a vit, this guy is coughing nicely...

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... 

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I have sent them an email advising them of this, and stating that my payments are not goodwill payments, they are an ongoing payment arrangement. I do have a copy of my original credit agreement so i cant argue anything. However, I doubt they will take me to court for not supplying an I and E form!!

 

Watch this space for their reply!!

 

Many Thanks

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They cant take you to court simply for not supplying anI&E form. Mainly because it is not a legal requirement and only a court can order you to provide one. Of course, you can provide them one simply to make things a little easier in some cases, but theres no obligation on you to do so.

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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can you please answer the q's in post 8

 

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... 

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Hi

 

Ive a copy of the credit agreemnt which i signed in 2005/2006 and i started the payment arrangement in 2007 i think. ive not checked my credit file(mosstly because its all bad!!) and ive never sent a SAR.

 

Vilcollections have said i must complete the i and e form as they have to review accounts on a regular basis.

 

I note that it is very detailed and asks for a lot of info- also about my partners income, dependants etc which i dont feel inclined to give.

 

any thoughts would be appreciaited.

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two words... bugger then off!

 

they have NO legal powers to demand ANYTHING.

 

i'd sar the OC and get your cra file.

 

fire a CCA to vile too

 

see if they have the agreement.

 

does this debt show?

 

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... 

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  • 2 months later...
HiIve had several letters from vilcollections asking me to contact them, but ive ignored them!!Ive just carried on paying!!

 

why?

 

as post 13

 

and

 

post 8

 

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... 

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  • 2 years later...

Hi all

 

i have an old American express debt which was originally passed to srj

and i made a payments arrangement odf 10 per month but cant find the paperwork.

 

 

It thrn got passed to Vilcollections who said this was a goodwill gesture

and kept asking for an income and expenditure form.

 

 

I didnt provide this but continued to pay them.

 

 

This then got passed to firstsource llc

confirnmed by American express and have continued to pay them without problem.

 

i have had the signed credit agreement from American express.

 

How i have now received a letter from first source

stating that i have a payments arrangement with their office

but their records indicate that no confirmation letter has been sent.

 

They then state going forward if i establish a different payment arrangement

a payment arrangement confirmation letter will be sent to me.

 

they then apologise for the inconvenience.

 

It then states that American express will continue to register the status of my account

with the credit reference agencie

Its currently not listed on ghem at all!

 

i feel they are trying to get more money but this repayment is in line with my other creditors.

 

Any thoughts?

 

Many thanks

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old and new threads merged

 

 

have you ever sent vile a CCA request?

 

 

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... 

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who too?

 

 

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... 

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Cca request sent a couples ofcyesrs ago and they sent me a copy of my credit agreement.

 

Hi i sent it to American express and they sent it back. They assigned it to srj and wrote confirming this the same with Vilcollections and firstsource.

 

Dont know why its not on my credit file

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so on the DCA letters it states our client Amex?

 

 

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... 

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assigned means sold

who on the vile col letter do they say is their client

 

 

and it wont be on your credit file

it was defaulted more than 6yrs ago

never to return

 

 

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... 

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