Jump to content


  • Tweets

  • Posts

    • Has the property been cleaned now? Is it the in the same state as before?
    • Please follow the link and read what we have to say about people who pay by bank transfer
    • Hi, yes, those are the people.   It's too late to ask SS to inspect.  This all happened in a big rush between xmas and new year; I complained to the woman I'd been dealing with, she liaised with the MD and came back with the £100 offer, took a couple of days, I refused, she then said I needed to contac the MD. When I emailed him, I got the out of office message back, and then, eventually, the offer of £150 which he deposited, without my agreement, into my account..  So it all took weeks.  I have plenty of photos though.   The social worker saw some of the photographs.  Because of the timing, holidays, everyone busy etc she said she would go by my judgement as to whether Friend should be allowed home (This was before the service was carried out)  I sent her some photos but neither of us mentioned Friend not coming home - nobody wanted him to have to stay in the care home any longer, it was totally inappropriate.  She knew I was going to take some action with regard to the service, but we didn't speak again.     Sorry, trying to catch up with all the questions.. I paid by BACS - it was the only option I was given. They are based in Wallasey, Wirral, and I think they have been there for some time.  I don't think they have disappeared.
    • Yes that sounds correct Commensurate use
    • I don’t have the details to hand, they’ll be on an old IDE hard disk from my old computer and I’ll need to buy an adapter to access those files.   But from memory, I think the case was around 2016 in an English county court. A lawyer was posting progress on a case he was working on, I can’t remember which forum, arguing that Erudios DAF forms breeched unfair contract law.   Erudio settled the matter out of court just before the case was heard when the lawyers client accepted an offer to backdate all his deferments and make changes to future DAF forms.   Very soon after all the posts relating to the case were removed from the forum, I suspect as part of the settlement deal with Erudio.   TBH I wasn’t sure at the time that I was going to be able to use this anyway, given that there was no ruling on the case to refer to.   I just wanted to make them aware that I knew they had granted deferment to somebody who hadn’t used their DAF.   I turned 50 in February 2018.   Strangely, I can’t find a copy of the default notice or their final response.   I say strangely because I have what I thought were all my Erudio letters in a file in date order.   I can only think therefore that they were sent by email and I did have a period were I had to switch email providers and email addresses because emails were being lost, and then when I switched the previous provider deleted everything.   I did manage to backup some of those emails before the previous provider deleted them, but again they would be on my old IDE hard disk, so I don’t have access to them right now.   Sorry I know this isn’t much help.   How essential are these letters?
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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

Global Debt recovery letter


Please note that this topic has not had any new posts for the last 2961 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi, Hope I am posting this in the right place ...

I think I have opened a whole can of worms whilst trying to pursue Lloyds TSB for PPI reclaim.

 

I have received this morning a letter from Global,

asking me to call them about an account,

but they have just given me an account number, no name or amount.

 

I have an inkling it might have been an extremley old loan that I defaulted on in much younger years from TSb (before the merge with Lloyds)

I am talking about 12+ years ago.

 

Strangely enough I have been banking with Lloyds all these years and nothings ever emerged.

Its all I think it can be.

 

Should I call them to find out more information?

 

or are they just 'fishing' at the moment.

 

If anyone has any advice it would be much appreicated as I am now pretty worried that they might take me to court and I really can't afford it right now :(

 

Many thanks

Link to post
Share on other sites

I would file it under ignore if it is important they will write again

if it is over 6 years with no payment it will be statue barred:-)

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

Link to post
Share on other sites

woe

 

slow down

 

NEVER EVER call a DCA

 

they are NOT bailiffs and have NO SUCH LEGAL POWERS

 

yes most prob a phishing trip

 

havve you checked your CRA file is clear?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Nothing to do with the current Lloyds PPI claim.

 

Do nothing for now. Wait to see if they send you more info. Check your credit record.

 

https://www.noddle.co.uk/

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

 

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

Link to post
Share on other sites

Hi , thanks for your responses. I have checked my credit record and all seems fine on there. I guess I will just wait and see what happens next. Thanks again for your help, really appreciate it !!

Link to post
Share on other sites

Which credit files did you check, it's always best to use at least 2 for safety.Definitely check either Equifax or Experian if you have used Noddle as this agency is often out of date, and is not used very much by majoe companies.

 

If the account was defaulted more tahn 6 years ago the entry will have been removed.

 

To kill this off straight away, without acknowledging any liability what so ever send the following letter by recorded delivery to the Compliance Manager

GDR

 

Ref: use the one on their letter.

 

Sir,

 

Iam in receipt of a letter from GDR asking me to call in reference to an ''account'' I have no knowldge of any account with GDR or any company you may claim to represent.

 

I certainly do not acknowledge any debt or liability of any sort to GDR and having checked my credit history I have concluded that if your are seeking to recover an outstanding debt from me you have either contacted the wrong person OR any alleged debt is STATUTE BARRED,therefore I will not now or in the future make any payment or offer of payment in reagard to this matter.

 

Should GDR wish to dispute the status of any allged debt you are reminded that the onus of proof lies entirely with GDR, I do not have to prove anything.

 

I am fully aware of the OFT Guidance on Debt Collection 2003/2012 and the sections relating to the pursuit of statute barred debt.

 

You will now cease to process all data relating to me and remove from your records, confit=rmationof your compliance is required within 7 days.

 

This is my Final Response.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

It is a letter that they will have to take notice of

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites
  • 2 weeks later...

Hello

 

I have also received the same kind of letter from Global...

..this would be a debt that must be over 13yrs old as my mother sold the house and later passed away,

 

I called Global and had a rather stroppy chap tell me it was my debt,

 

I DIDN'T ACKNOWLEDGE it and informed him I hadn't gone by that surname for over 9yrs and that I don't recall any loan being taken out. I asked him for all the details...

 

..I have to say when I put the phone down I was really scared, it wasnt until I did some research

and saw that it was SB I sent a letter similar to the template here..

 

..Do these types of firms 'buy up' old loans and see if the can pursue the debtor??

Link to post
Share on other sites

Hi, yes these companies buy and sell debts for a few pence in the pound then attempt to collect the full balance.

Please do not phone these people.

 

I suggest you send the following letter to the Compliance Manger at Global by recorded delivery.

 

Ref: as on their letter.

 

Sir,

 

I am in receipt of your letter dated xx xx xxxx the contents of which have been noted (and filed in the bin.

 

Please take note I do not acknowledge any debt to Global or any company you may claim to represent.

 

I had the great displeasure of speaking to a most obnoxious operative regarding the alleged debt, and now formally restate what I told this person, haveing checked my credit history I have concluded that the alleged debt is STATUTE BARRED therefore I will NOT make any payment now or in the future.

 

I am aware of the OFT Guidance 2003/2012 and the sections relating to statute barred debt, and remind you that should Global wish to dispute the status of the alleged debt the onus of proof lies entirely with Global and it is not for me to prove that the debt is statute barred.

 

Global WILL now cease to process all data relating to me and remove it from your records.

Also Global WILL confirm compliance with my instructions within 7 days.

 

This is my final response.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

and stay off that phone!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
Hi, yes these companies buy and sell debts for a few pence in the pound then attempt to collect the full balance.

Please do not phone these people.

 

I suggest you send the following letter to the Compliance Manger at Global by recorded delivery.

 

Ref: as on their letter.

 

Sir,

 

I am in receipt of your letter dated xx xx xxxx the contents of which have been noted (and filed in the bin.

 

Please take note I do not acknowledge any debt to Global or any company you may claim to represent.

 

I had the great displeasure of speaking to a most obnoxious operative regarding the alleged debt, and now formally restate what I told this person, haveing checked my credit history I have concluded that the alleged debt is STATUTE BARRED therefore I will NOT make any payment now or in the future.

 

I am aware of the OFT Guidance 2003/2012 and the sections relating to statute barred debt, and remind you that should Global wish to dispute the status of the alleged debt the onus of proof lies entirely with Global and it is not for me to prove that the debt is statute barred.

 

Global WILL now cease to process all data relating to me and remove it from your records.

Also Global WILL confirm compliance with my instructions within 7 days.

 

This is my final response.

 

 

Thank you, reading all the experiences of others, I am without doubt the debt is sb

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...