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    • Hey,   Just wanted to share a quick experience for a lost Hermes parcel worth a couple of hundred pounds. I accepted Hermes' offer to use mediation and was pleasantly surprised! I read all the threads on here and thanks to the Bankfodder's great advice I came in confident and with notes and was not prepared to reduce the claimed amount even by 10p.    Firstly Hermes stated that my item was not one that is normally covered and due to its fragile nature it is not compensated and secondly they give the ordinary "you have not opted for insurance bla bla". These were their points and even before I started stating my arguments they were already out with an offer to cover the item value in full and the postage costs for it but NOT the small claim fee of 25 pounds. To me this sounded as a reasonable compromise since I got other things to do during the day. This 25 pounds compromise was about 5 percent  of the overall claim value so that was fine by me.    I went to mediation extremely sceptical having read some of the other ppl's experiences, but I'm glad to say mine took only 2 quick calls, everything was settled in no more than 20 minutes, the mediator was superb, extremely friendly, polite and with a sense of humour  and they just asked me to send my bank details in response to their upcoming email and that was that.    p.s -> I could feel the mediator was actually on my side a lil bit, but what reasonable person would side with such a shameful and honestly disgusting company anyway   All in all, I would highly recommend the experience for anyone who's still on fence regarding mediation. Open small claims against them Hermes mfs, make them pay, they are so aware of their unlawful approaches ! On my part, I will never ever use Hermes services ever. However, in fairness, this whole saga's been going on for two and a half months and I've lost so much time and effort and nerves on the matter that it was worth at least 10 times that settlement. I've been through 41 calls with them regarding the item and went to their depot twice to look for my item...   Have a great week guys/gals   Best
    • i see you have all the statements in the earlier post    pop welcome int rate in cell d15 of out CI sheet Latest Spreadsheets - PPI Claims and Charges Claims - Dec 2011 - Payment Protection Insurance (PPI) - Consumer Action Group   enter every penalty charges. on it date    
    • dx I manage to locate quite alot of paperwork from welcome sent previously - what am I looking for? Im a bit worried that they are going to start court proceedings after their letter last week, im not keen to send them bank statements   Hi peterbard this is a secured loan , i dont believe there is any policy in place   dx should I have sent an SAR to Welcome and Coast even though Coast had taken over the loan?  I have a pile of paperwork i have located thats about 2 reems of paper, from the SAR's I have sent previously.  There is a lot of information - the SAR requests more recently were sent on CDROM and were not accessible after a certain amount of time (i think the username and passcode expire or something)
    • We believe this firm has been providing financial services or products in the UK without our authorisation. Find out why to be especially wary of dealing with this unauthorised firm and how to protect yourself from scammers. View the full article
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      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
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Aktiv kapital (stute barred) letter saying struggling to read public insolvency register - help please!


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Hello Everyone

 

Please can somenone advise, perhaps from a legal point of view, on this weird letter I had today from Aktiv Kapital.

 

They are chasing a debt from 1997-1998. No CCJ obtained, No contact made, No payment made so Staute Barred.

 

They have used various DCA's over the years to try collect on it despite being SB.

I just send the SB letter and then wait another year until they try their luck again.

 

Now in Jan 2012 I went bankrupt.

All straight forward.

In fact the court said I didn't need to include any Time Barred debts on the petition.

 

 

received a letter this morning from Aktiv Capital saying-

 

" We have reason to believe that you are subject to Insolvency Proceedings, however we are struggling to read the public Insolvency Register despite our best efforts.

 

Please ring us to discuss or send to us in the post details of your current affairs....etc...blah...blah.

 

It took me 20 seconds to log on to the insolvency website and view my BR details which is public info.

 

Is this a wind up?

 

First question- should I send yet another SB letter or a copy of my BR order or can I bin this letter and forget???

 

Second question - Can I ring them and tell them to go away or will this reset the clock on the debt and then I'll be liable even though I am bankrupt?

 

Thanks

 

Honeypot

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Hello there,

 

The insolvency register is in a very easy web format, I wonder what computers they are using?

 

Nothing can reset the clock, and even so the debt would have been written-off by the bankruptcy - regardless of it was listed on the petition.

 

So can you call them? Up to you! What they cannot do is pretty much ANYTHING!

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Send them a copy of your Bankruptcy Order and let them deal with it as they see fit. They should never bother you again and to do so would be harassment, whereas they could have continued to write and pursue payment of an SB debt, even if they wouldn't have had the option of taking you to court for it.

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Thanks Marmaris30

 

So the difference is even though its statute barred and legal unenforecable they can still pester me for ever whereas once they have received my copy of my BR Order and confirmed it with the Insolvency service they cannot pester me ever again?

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I personally would not even ring them, send them a letter clearly stating that enclosed is a copy of your Bankruptcy Certificate and any contact from now on should be directed towards your Official Receiver.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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I personally would not even ring them, send them a letter clearly stating that enclosed is a copy of your Bankruptcy Certificate and any contact from now on should be directed towards your Official Receiver.

 

Stigman

 

I've sent them a letter with copy of BR order in.

Can I just check that even though I didn't list debt on BR petition it still covers it?

Thanks

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I've sent them a letter with copy of BR order in.

Can I just check that even though I didn't list debt on BR petition it still covers it?

Thanks

 

100% so long as the debt was taken out before the BR hearing.

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Can I just check that even though I didn't list debt on BR petition it still covers it?

 

As stated by Sequenci above, as long as the debt was taken out prior to your Bankruptcy, your fine.

 

This is why your Bankruptcy is listed on the Insolvency Service website and also in the London Gazette for the very reason in-case you missed, forgot or did not include the debt because of Statute Barred status.

 

Stigman

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NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Responding to your PM Honey

 

Subbing to thread but I see you are in excellent hands here just follow their advice.

 

Regards

 

Andy

 

" however we are struggling to read the public Insolvency Register despite our best efforts.Please ring us to discuss or send to us in the post details of your current affair ":loco:

 

Pure Magic !!!!!!!

We could do with some help from you.

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Duplicate

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

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Responding to your PM Honey

 

Subbing to thread but I see you are in excellent hands here just follow their advice.

 

Regards

 

Andy

 

" however we are struggling to read the public Insolvency Register despite our best efforts.Please ring us to discuss or send to us in the post details of your current affair ":loco:

 

Pure Magic !!!!!!!

 

Yup.

 

I'd be tempted to reply along the lines of:

"I do no acknowledge any debt to you or any company you claim to represent.

 

You have my commiserations that your staff are struggling to read the Insolvency Register.

 

If this is part of a general inability to read by your staff, your firm is not alone in facing this, as the article below shows, and then perhaps one of the few who can read could tutor the others :

http://m.guardian.co.uk/ms/p/gnm/op/szh7MRtpHWOZ_ev4Q2pP53Q/view.m?id=15&gid=education/2011/sep/21/adult-illiteracy-westfield&cat=education

 

If the issue lies in a lack of IT skills by your staff (since I found the relevant entry on the register on the Internet within a few seconds), then there is an alternative solution.

I can suggest a number of agencies who can supply my services as a contractor, and (for an exorbitant fee, given this relates to the "debt collection industry") I will read the Register for your staff.

If you are looking for a cheaper solution:

http://www.amazon.co.uk/gp/product/1118096142?ie=UTF8&force-full-site=1&ref_=aw_bottom_links

"

 

The fun is in imagining the look on their faces .....

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Quite so - the claim that they 'cannot read' the insolvency register is one of the lamest I've ever heard. I wouldn't be half surprised if they responded to your BR Order letter saying they 'couldn't read' that either! Fools.

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