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    • and you can't click on the enter a defence option. sometimes we've found you can.   you should have come here sooner an we would have made sure you did it right...  
    • get an sar off to welcome they can't refuse.   who are mortimers client, the claimant of the CCJ and the charge upon your deeds.   welcome would have added £1000's in unlawful penalty fees for everything from letters/phonecalls/arrears fees/it's raining today, your fault. when was the CCJ attained too please?  
    • We applied for a joint loan for £9000 in 2010 which was secured against our home, in 2012 we were declared bankrupt but because we kept our house the loan stood while we were going through our financial problems we defaulted on the loan.   We had then started making payments but with all the interest etc it went past the £9000 we originally borrowed. We got the loan down to £6000 then hubby lost job and we seriously couldn't even afford to pay a penny and again it built back up.   The debt is now with a solicitor and now we owe according to them £18000. I have requested from welcome finance every payment we have made, every statement etc they have refused.   We are only making payments of £65 a month going to take forever but its also gone to a ccj which should have been removed on Oct last year.   Where can I go for help with the dispute over the amount we owe. Thanks   Solicitor is mortimore Clarke 
    • Hi Guys,   Looking for some advice - Lowell claimed against me for old mobile debt - I stupidly thought that I had 33 days after Acknowledgment, as you know this is not right - after recovering from Covid I thought I start my defence today only to read that I might be too late I've just checked on line to find the below - is there anything I can do?   Kind regards   Lushni   Your acknowledgment of service was submitted on 04/01/2021 at 10:48:10 Your acknowledgment of service was received on 04/01/2021 at 12:05:37 A judgment was issued against you on 22/01/2021 at 19:16:12
    • ideally we like to get these fleecing DCA's on the hop when threatened with a set aside and N244 fee payment clawback , some do when confronted immediately do it FOC there and then. but as you've already phoned you might have tipped them off, but then you had no idea when you were talking about now you do.   your call   dob't forget also the damage done to your credit reputation by them raising the claim on an SB debt when they know they shouldn't.   just remember, if you read a good few erudio threads here, they only went for the CCJ as they knew they'd get a guaranteed backdoor one if you'd known about it and defended they would have run away as they always do on these SB'd SLC loan 
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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
      • 31 replies

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Bournemouth are top, Liverpool should have too much, but anything is possible. They should go for Schwarzer in January, still a very good keeper.

 

 

Ochao apparently!

IMO

:-):rant:

 

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Hodgson got it wrong, the press picked the team. He should have kept faith with Cole, more of the older heads. The defence was shocking at times.

 

Liverpool through to the semi's, meet Chelsea.:-)

Shame none of them were in the England team ;)
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...

Liverpool through to the semi's, meet Chelsea.:-)

 

 

was a fairly good game, good goals. b'mouthe had some good chances (in part thanks to our usual slack panic defending), can see why they're top of the 'ship. hopefully by jan, we'll be more on form and give the russian roubles a run for their money :)

IMO

:-):rant:

 

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Fulham win, played average first half, good second half, average overall.

Birmingham win again. Tottenham win, but should be scoring more goals.

Man City win, without any strikers, Amazon Germany have a few.

Hearts win again, I've got two winning teams scary or what.

Liverpool play tomorrow.

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Hearts win again

 

:whoo:

 
 

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

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Ive got a gut feeling we will be meeting in the playoffs:madgrin:

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We are going for auto promotion, we would be top right now, if we had shown recent form from the start of the season. We lost the first 8 games of the season.

 

Ive got a gut feeling we will be meeting in the playoffs:madgrin:
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lfc draw v the arse, we shld've won. slack defending again. 9 pts off 4th! unless we win the next 3 or 4, no chance. will have to win the uefa cup to get in the euro cup :)

IMO

:-):rant:

 

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hearts won again, on tues.

 

12 points clear now, away to Livingston tomorrow.

Rangers play Hibs at Easter Road.

 
 

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

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

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Hearts win 1-0 at Livingston :)

Rangers lose 4-0 to Hibs.

 

Hearts 15 points clear.

 
 

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

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

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Hearts win 1-0 at Livingston :)

Rangers lose 4-0 to Hibs.

 

Hearts 15 points clear.

 

50pts, roll on the spl, can they do it unbeaten :)

IMO

:-):rant:

 

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50pts, roll on the spl, can they do it unbeaten :)

 

Very much doubt it, bookies are offering 5/1

and 11/8 unbeaten at Tynecastle.

 
 

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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Above Fulham at last!

 

Got very wet at Dean Court boxingday

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

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I'm not happy about that at all, but were not playing well, we can't expect too much at the moment. Enjoy it won't last long. Hehe.

 

Above Fulham at last!

 

Got very wet at Dean Court boxingday

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We lost again, not great.

 

The clearance was a great goal for LFC.

 

to brighton! at least you wont go down now. maybe wld've if felix was still in charge

 

:) was handball

 

Pardew to palace!

IMO

:-):rant:

 

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