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    • Topic moved to Financial Legal Issues Forum.   When you have all the details of the debt /claim/judgment...please complete the following and post your responses back here for further advice.       Andy
    • Although I still think you will be ok on the mortgage front, it always helps to find a good Broker who can guide you around these sorts of things. 
    • Hello all   A colleague discovered he had a CCJ recorded against him by Lowell as a result of them acquiring an old Electricity Bill from around 2011.   They lodged their claim in 2019 to my colleagues old address and got a back door judgement.   I helped my colleague draft an application to set aside and it was decided by the court service to hold a telephone hearing which took place last week.   It was slightly comical.    The Judge had got my colleague on the conference call and rang the number provided by Lowell only to reach a call centre person who knew nothing about the case.  She offered to find somebody but the judge was not having it and said they had plenty of time to sort out the case and he had called the number they had provided and expected someone to be ready to handle the case.  He asked her if she was ready to deal with it.  She said she wasn't so the Judge "dismissed" her and was left speaking to my colleague only.   It then turned out that Lowell had submitted a response saying they agreed to the Set Aside providing Each party paid their own costs to which my colleague agreed.   Our application requested a set aside on the basis that the original claim was not received despite the utility having my colleague's address and for SB reasons.   The final outcome was the Set aside was ordered by the Court and the original Claim restored with 14 days to defend.   I am running the case here for any CAGers to advise and comment.   My next step is to write to the Court and Lowell asking for a copy of the original Claim Form without which it is difficult to defend.   The main details are that my colleague paid his electricity bill before moving house and indeed retained the same utility company in his new house, not something he was likely to do if he was evading them.   In any event the defence is an SB one as the original bill was around 2011 and any claim would surely have expired about 2017.   I will get back to the thread with more details.  If anybody wants to comment then all suggestions welcome.
    • All of the above but I don't think their default is going to hurt your mortgage application.
    • Unless you have already sent it – which I don't think it's clear – how about this as an alternative:    
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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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All liverpool have to do now is beat Norwich, and have chelsea lose or draw and the titles pretty much theirs.

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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All liverpool have to do now is beat Norwich......

 

:) another suarez hat trick v norwich? what are the odds on that?

IMO

:-):rant:

 

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:) another suarez hat trick v norwich? what are the odds on that?

 

 

now around 7/1. thought it wld be better than that!

how about sterling or coutinho at around 66/1?

:)

IMO

:-):rant:

 

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Have Liverpool got the bottle ?

 
 

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People keep asking that and they've proved it time and time again. The games against arsenal, spurs, Everton, at old Trafford and man city.

 

Thing is Jose likes to stifle the game, play slowly and bore the hell of the spectator. If he tries to play for the draw at anfield, that will suit us as they need the win. If he comes and attacks us, that will also suit us, just like it did versus city.

 

I don't think city or Chelsea, if they win it, can truly say they deserve it.

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Have Liverpool got the bottle ?

 

 

so far, yes. :) looking like have got the magnum :)

 

 

classless chelski (jose) spitting sour grapes out again :)

IMO

:-):rant:

 

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apparently they timed it just right; apparently failure to qualify for champs league (now imposs after defeat to the toffees) reduces the compensation package ?

shame though, as he prob would've kept manure mid table :)

IMO

:-):rant:

 

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It's all to do with expectations, at Everton they had none, but Man Utd have plenty, all to do with recent history, Liverpool have none at the moment, when they do have some then we will see.

 

apparently they timed it just right; apparently failure to qualify for champs league (now imposs after defeat to the toffees) reduces the compensation package ?

shame though, as he prob would've kept manure mid table :)

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:)

lfc do have expectations now, as always, and they've proven themselves regardless this season. yes, next season will be challenging but thats what we want.

its mostly moyes. as posted before, see how everton are doing with virtually the same players with the same 'expectations' but a different manager.

manure players no doubt also to blame

IMO

:-):rant:

 

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No but he will instill some fight into the squad. I hope Chelsea do the business on Saturday.:-)

 

Ah, you like the French Farmers then:madgrin:
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.. I hope Chelsea do the business on Saturday.:-)

 

 

so do i, then they'll be more tired for their game at anfield on sunday :)

IMO

:-):rant:

 

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Well it's on Saturday on my Sony Playstation a 3-0 hiding, the Reds turned over by the Blues :madgrin:

 

so do i, then they'll be more tired for their game at anfield on sunday :)
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..., wonder how Chelsea will do tnite...

 

 

 

hopefully they'll do enough to be more interested in the return leg then the game on sunday. which they'll be further knackered for after doing some business on saturday. :)

then get to the final, then get whipped by ......

but, atletico is my outside bet :)

IMO

:-):rant:

 

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It wasn't just no. 8, it was a collective, of high kicks, shin kicks, head knocks, even the goalie wasn't safe.

 

A thought, how is it you can be 36 ish not really played football, be Manager of two teams and told to go early with 10 mil from each club. If you can play Fifa online you too could achieve this goal:madgrin:

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Runners up isn't as bad as it sounds, still a long way to go:-)

 

Well it's on Saturday on my Sony Playstation a 3-0 hiding, the Reds turned over by the Blues :madgrin:
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a game too far for lfc, we didn't seem to have the usual 'blitzkrieg', and mistake cost us again! good game though, typical well played jose tactics.

and, city already one up!

the pundits cursed us :)

IMO

:-):rant:

 

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