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    • read the letter in post 23 here  Payplan - Cover My Life & Cover My Payments - Debt Management Plan Companies - Consumer Action Group it explains how the 3/6yrs works straight from the ombudsman's mouth.    
    • Hi, Everyone was so helpful with my last issue I am hoping for a bit more advice.   About three years ago I had a regular window cleaner company but they starting playing around. Firstly by randomly turning up to do the windows earlier than expected then one time they opted to come round and climb over my fence to do the back windows whilst I was out.  Then the fun started as they claimed to have cleaned the windows on two separate occasions but it was apparent they hadn't (the birds mess on the kitchen window was the clue) and they tried to bill me for the clean.   After two occasions of not cleaning the windows I stopped the direct debit system they used (go cardless) as I refused to pay for something they hadn't done. Queue the various demands for payment which I ignored. They sent letters in the post asking for £60 and a year ago said if I didn't pay they'd send me to the debt collection agency.    Today, I get a letter from elite debt collection in Sunderland asking for £72 for the window cleaning company as they are now acting for them with the popular if I don't pay in 7 days it's off to court threat.   Firstly,  as there was no signed agreement in place with the window cleaner firm can the debt collector add a fee to the alleged debt? Secondly, can they just rush off to money claim and take me to small claims without a letter before action?   I'm quite happy to defend if they did as they didn't clean my windows no matter what random invoice they may have on their systems.   Thank you  
    • bummer!   can't see any movement there then. its nice to see though that he correctly clarified the differing reasons for the 6 and 3yrs limits.
    • Hi Mop,   I only ran through the SAR looking for any personal data you left showing.   Get a pen and paper, go through the narratives and note down the date and anything relevant to what led to the debt or CCJ.   If there's little or nothing to do with the debt or CCJ, that in itself is important.   Do your best and come back with results.
    • Hi dx,   Unfortunately the FOS have refused to look at my case as they have said i have brought the case to late......   Please see attached.  Complainant.Decision.pdf
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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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I'm sticking with we are going to win the World Cup, as I said, 'Roy could pull off some surprises'.

Upfront quite a bit of firepower,

Rooney (17) Sturridge (21) Welbeck (9) Lambert (13).

 

Pepe Mel gone too.

 

yeah, in the circs, thats prob the best can do. sterling in for walcott/townsend.

 

tim leaves his spurs, unsurprisingly.

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Well it was tweeted, blame goes to those who run the team and not to those who run the club. One thing comes to mind, selling Bale and then there's the bad spends.

 

I bet it's not long before Tim works his magic for another club....................... your loss Spurs board

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I'm sticking with we are going to win the World Cup, as I said, 'Roy could pull off some surprises'.

Upfront quite a bit of firepower,

Rooney (17) Sturridge (21) Welbeck (9) Lambert (13).

 

Pepe Mel gone too.

 

bit concerned re the defence, but seems the best can do. thought stones wld be in the main, hes done well.

IMO

:-):rant:

 

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I wonder why?, biased by any chance, you should be rooting for your neighbours, spurring them on.:-)

 

I hope Hull win tday:-D
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knowing Arsenal, yeah Hull prob will win, I am a fan of the gunners! lol

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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gunners will have all their guns blazing, but want hull to win :)

 

city (and others) been reprimanded under financial fair play rules, a 'suspended' fine...! hmm.

 

rumour has it Levy is so confident of appointing Sotons Pochettino as new spurs manager that he (Levy) has already lined up a replacement for Poch :)

 

first time win for st johnstone

 

hull 2-1 up!

IMO

:-):rant:

 

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Arsenal have no defence or attack as normal, do they actually want to play!

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 hope Hull win tday:-D

 

I'm neutral, I want Hull to win :-)

 

I would like Hull to win as well, but I think Arsenal have just scored and equaliser :(

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They scored from a corner, the corner was given in error. Hull's second goal was a bit suspect, Hull moved the ball 9 yards for their free from which they scored. Hull helped get us relegated too:-(

 

I would like Hull to win as well, but I think Arsenal have just scored and equaliser :(
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Extra time by the looks of things..

 

Awww, Rebel, I am sorry that Hull were responsible for your relegation.

 

BTW, I am not a football fan.. I hate football.. I just think that Hull supporters have had a rough deal from the Owner of the club and feel a little sorry for them.

 

I supported Sunderland for the FA cup in 1973 :lol:

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Are you that shouldn't read 1873:madgrin:

 

Extra time by the looks of things..

 

Awww, Rebel, I am sorry that Hull were responsible for your relegation.

 

BTW, I am not a football fan.. I hate football.. I just think that Hull supporters have had a rough deal from the Owner of the club and feel a little sorry for them.

 

I supported Sunderland for the FA cup in 1973 :lol:

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Are you that shouldn't read 1873:madgrin:

 

oooh..... :lol:

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:noidea:

 

Ah well, never mind :)

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:whoo: at long last! Hull played really well though

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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good game

roll on the play off finals next weekend, and then the world cup :)

atletico spanish champs, nice one. now just the champs league final to win. squids in :)

IMO

:-):rant:

 

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as expected, van gaal appointed manure boss, giggs as assistant.

 

scudamore avoids the sack!?

IMO

:-):rant:

 

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What World Cup :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Apparently the Scots have got an invitation to the opening ceremony as they didn't qualify for the competition:-)

 

Remember you've qualified for the 'highland games'.

 

What World Cup :)
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transfer silly season begins, city's Toure already up for a move cause noone gave him a cake (or a Bugatti) for his birthday :)

 

whats your goal of the season?

IMO

:-):rant:

 

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