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    • Hi,   So, I received a letter today from a debt collection law firm threatening CCJ action on behalf of Volvo/Santander for a voluntary termination of a vehicle. (I did request Volvo/Santander that a complaints procedure be started as I think the terms of the contract were miss sold but alas, they ignored me and went straight to CCJ action via a debt collection law firm!).   I digress, anyway, so the letter was addressed to me, it included my original signed contract, but, there was another document inside. This document was another hire contract with some other person details on it!   It includes:   Their full name Their address and postcode Their handwritten signature Their email address Their mobile telephone number Their debt amount Their vehicle registration    Is this a breach of the data protection act? On the flip side, my details could be in the hands of someone else, who knows?    What should I do now, is this a trump card that I could use if this matter does actually go to court? I did intend to argue against this debt in the first place.   Any advice on this would be most grateful!   TIA         
    • Hi guys   I received a county court claim form on Thursday dated 18/02/2021 saying that the claimant (CABOT FINANCIAL (UK) is claiming for the sum of £2140.14 on behalf of  NEW DAY LTD RE MARBLES. but it requests all documents to be sent to MORTIMER CLARKE SOLICITORS.   Now i think i did have a marbles card a while ago although my partner says that that was a capital one card.   But either way i don't like the idea of these parasites chasing me for money for a debt they probably bought for £10.    From looking around here it seems that i should be sending them a CCA request and a CPR 31.14.   I've bought a £1 postal order.   Is there anything else i need to do?   Thanks for any help given
    • Yes that is an absolute must. Generally the Council has no wish to see people committed to prison for Council Tax debt. They want to see the debt recovered where it is properly due and the debtor has the ability to pay. If he hasn't that ability they will take into account the debtor's financial situation and make any arrangements they can. But only a court can remit some or all of the debt. The more you engage with the Council the easier this will be.
    • I think you'd need to have formally noted you were working under protest at the time. 
    • I just wanted to say hi guys   Hopefully i can learn from you guys and then help others on here.
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
      • 33 replies

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Agreed. The most i thought theyd get was maybe a qualifying spot for the champs league. But not a guaranteed spot and possibly the premiership too.

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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Well Hearts are still hanging in there, no official relegation yet :)

1-1 draw with Aberdeen tonight.

 

despite a win, now down (after 32 yrs)! can they now avoid liquidation?

 

leceister promoted, 21 games unbeaten.

fulham win!

city on form, come on stoke :)

IMO

:-):rant:

 

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Fulham will win the Prem next season, need to beat Norwich next week, Leicester going straight down. Liverpool, 1,2,3:-)

 

despite a win, now down (after 32 yrs)! can they now avoid liquidation?

 

leceister promoted, 21 games unbeaten.

fulham win!

city on form, come on stoke :)

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They have all be justified though.

 

We've never created so many chances or got into the box so often as this season. Ths fast passing and running at players in the box invites it, makes it hard to defend against.

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They have all be justified though.

 

We've never created so many chances or got into the box so often as this season. Ths fast passing and running at players in the box invites it, makes it hard to defend against.

 

ditto. another excellent game and result :) its great to be involved in the title, footballs coming home.. :)

IMO

:-):rant:

 

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and our u21's are also top :)

 

hughton sacked with 5 to go!

tim likely to leave his spurs at the end of the season?

sunderland given up? need a 'miracle' according to poyet.

chelski tonight v psg.

IMO

:-):rant:

 

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good result for chelski, deserved it. didnt think they'd do it though. but keeps their mind busy re the lfc game inbetween the semi :)

 

manure tonight. can they progress also?

IMO

:-):rant:

 

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manure tonight. can they progress also?

 

nope :)

 

my outside bet, atletico, looking good so far :)

IMO

:-):rant:

 

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Nice one Arsenal, once they picked them selves up they could have scored quite a few times, pity it had to go to penalties, fingers crossed we might just get some silver at last!

If I owe you money, take a number and join the queue. If you owe me money pay up and shut up

 

 

 

 

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:) I think we'll be alright Ford been hearing some positive things about the situation.

 
 

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Big day for the prem today. Top teams all playing.

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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Big day for the prem today. Top teams all playing.

 

 

another excellent lfc game,...footballs coming home.. :)

 

come on swansea!

IMO

:-):rant:

 

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Go on Chelsea do it for London:wink:

 

another excellent lfc game,...footballs coming home.. :)

 

come on swansea!

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Just a case of winning distance for Liverpool now. It's all over

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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Chelsea got no chance at anfield though.

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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Chelsea got no chance at anfield though.

 

nice one.

 

manure make their first summer signing on the road to recovery; carvalho for 35m?

IMO

:-):rant:

 

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:) I think we'll be alright Ford been hearing some positive things about the situation.

 

 

sounds good, seems some of the creds have accepted the ladys bid, which includes fan control?

IMO

:-):rant:

 

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