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    • By the way, the reason that you wouldn't proceed against Paclink is because they are out of the jurisdiction – in Spain
    • Good point, BN.   Changing the subject a bit, Directors of Public Health have written to the goverment expressing serious concerns about the easing of lockdown.   https://www.adph.org.uk/2020/05/adph-presidential-blog-a-time-for-steady-leadership-careful-preparation-and-measured-steps/
    • Thank you – and I understand that you didn't take out any compensation cover. You should read around some of the Hermes threads on this forum. I have always taken the view that once you pay for the delivery costs, then you are entitled to have the item delivered safely and if not then the delivery company is in breach – and in fact the delivery broker – Paclink is also in breach. I think it should be unnecessary for you to insure yourself against the breach of their service provider. It is the service provider who should insure themselves against any incidents of loss parcels. The Joe Lycett's got your back programme on Hermes was extremely useful. I notice that there are a couple of instances of it on YouTube. Of course they are in breach of copyright and it wouldn't at all surprise me if they are taken down at some point. I suggest that you make fairly urgent arrangements to get a copy of this program onto your computer because you may need it. It would not be a breach of copyright to produce it before a court – although the judge may already have seen it or have heard it. Have you actually began a claim against Hermes? I think you should begin their claims process immediately – but I certainly think that you should download a copy of the programme immediately as well. Of course Hermes will try to say that you are not their customer and that  their client is Paclink. Of course that is true. On that basis Hermes will try to say that they are out of your reach in terms of bringing a legal action because you are not party to their contract with Paclink. However, Under the Contracts (Rights of Third Parties) Act, where the contract is clearly intended to address you as a beneficiary and where your interests are not specifically excluded by the contract, then you inherit all of the rights of the contracting parties – as if you were a party to the contract. So I suggest that you begin the claims process against Hermes, download the programme so that you have got that safely stored away in your armoury and then come back here with the results of your Hermes complaint. I can predict fairly confidently now that you will have to threaten a legal action – and probably you will have to issue the papers. There is then a chance that Hermes may put their hands up – but on the other hand they may decide to test your resolve by forcing you onto the next step where you have to pay hearing fee. If you do that then they will start to take you more seriously and then they may put their hands up – but they may decide to go all the way and see you in court. Because you are a litigant in person – even though you would be the claimant, the case would be transferred to your local court. That would produce logistical problems for Hermes who would have to instruct a local legal representative and they would incur costs there. These costs will not be recoverable under the small claims rules because your claim would be for less than £10,000. If you won the case then you would get your money, plus interest – presently at 8% (a nice earner) plus your costs. Your risk factors are that if you lost, then you would come away empty-handed but also you will be out of pocket to the tune of your fees and you would probably have to pay for the reasonable costs of travel for the Hermes legal representative – but that would be it. On the basis of what you have told us, I consider that your eventual chances of success at about 85%. Hermes risk factors include having to pay you back the value of your item, having to refund you your court costs and your reasonable costs of travel – but more significantly for Hermes, a defeat in court where they try to rely on the fact that you hadn't bought a compensation package would send a good message across an industry which seems to have produced a culture going back there are 30 or 40 years where customers who pay their money now believe that they must also pay to insure against the negligence of their own service providers – two home have they have already paid the contractual price of performance. How this ever happened is a mystery to me.  
    • The concerns go beyond the ORG worries, the companies and people involved Serco, G4S, and Dido Harding don't inspire confidence in their ability to prevent data leaks to begin with. Be so easy to add a "Refused vaccination" flag, or refused ID Chip for unrestricted access to services.  in there.
    • Oh, I checked again the details are as follows: I declared £522 as the value. I attach the Paclink shipment note and it looks like a 3 day delivery rather than next day.  Paclink delivery Hermes shower.pdf
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wishboneash

marlin claimform old M+S card debt 1998!!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2223 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.

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Thank you

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i was in debt managment company dcm apex 2001 to 2008 when it went out of buisness they paid this debt not on my experian records ?

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hi had a letter from Marlin and phone call that they had an old debt my experian records show nothing listed ? , this was paid off by the the now defunct DCM APEX who went bust

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Still none the wiser?

Do you need any help with a debt?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Don't do anything and don't respond to the letter or talk to them on the phone. If you have a debt, it is up to them to show proof of that debt so just ignore them.

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ok thanks i found a old debt letter from another company it has been sold on thank you it must be about 9 years old

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ignore until/unless you get a claimform?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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got a letter through this morning instructed via marlin that thy want to ask a court to put a ccj against me

 

this is a old debt from 2003 my credit file is clean no ccj on it

 

the threat is a charging order against me this was a old ccj from 2004 thanks

 

if you intend to defend the claim pleas contact us now to explain the basis of the dispute

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got a letter through this morning instructed via marlin that thy want to ask a court to put a ccj against me

 

this is a old debt from 2003 my credit file is clean no ccj on it

 

the threat is a charging order against me this was a old ccj from 2004 thanks

 

if you intend to defend the claim pleas contact us now to explain the basis of the dispute

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please keep to one thread per debt...

 

can you scan up the letter please?

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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write back to the solicitor saying that there is no debt, the account was paid in full many years ago

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write back to the solicitor saying that there is no debt, the account was paid in full many years ago

How do you know that?

Or are you applying F o t l "logic": someone else bought the debt,

so it no longer exists?

We don't do Fantasia here!

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Wishbone hi

Much of what you write is, quite frankly, hard to understand.

 

Scan and post the letter, as requested, or type it up.

 

Also, give a bullet pointed timeline *from the inception of the credit agreement*: dates and key events.

 

btw, both Apex and Marlin were acquired by Marlin so in effect the debt has, it would seem, merely undergone some internal shuffling about.

 

I presume the solicitor, who you have not named, is Mortimer Clark?

They are more or less an in-house hit squad at Marlin.

 

Please give us clear and concise information if you seriously want us to help you.

 

Thanks.

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ok thank you was still feeling the effects of food poisoning when i sent post ,

i ripped up the letter if they send another one i will scan it for you

the solicitor is Mortimer Clark thank you for you help

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Hello Wish

I hope you feel better.

 

You said you got a letter from Mortimer Clark that they "want to ask the court to put a CCJ against [you]."

 

But then you say "the threat is a charging order" and this was an "old CCJ from 2003".

 

This is baffling.

That's why I asked you to give us a clear concise time line of key events, a series of bullet points.

 

Dates plus what and who from, etc..

 

Let me be blunt.

 

You need to act and you need to do so NOW or they WILL obtain judgment by default if they consider it worth their while.

Marlin do not mess about.

 

How could you destroy what may have been an important letter?

From now on, throw nothing away.

Does this mean you also threw away all previous mail and so cannot reconstruct your timeline?

 

Do not be surprised if the next letter is from the court.

If so, pls post here without delay. Scan it up. Do NOT throw it away.

 

Sorry if I appear to be hectoring but just trying to help you to help yourself and avoid something you might regret.

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Hello Wish

I hope you feel better.

 

You said you got a letter from Mortimer Clark that they "want to ask the court to put a CCJ against [you]."

 

But then you say "the threat is a charging order" and this was an "old CCJ from 2003".

 

This is baffling.

That's why I asked you to give us a clear concise time line of key events, a series of bullet points.

 

Dates plus what and who from, etc..

 

Let me be blunt.

 

You need to act and you need to do so NOW or they WILL obtain judgment by default if they consider it worth their while.

Marlin do not mess about.

 

How could you destroy what may have been an important letter?

From now on, throw nothing away.

Does this mean you also threw away all previous mail and so cannot reconstruct your timeline?

 

Do not be surprised if the next letter is from the court.

If so, pls post here without delay. Scan it up. Do NOT throw it away.

 

Sorry if I appear to be hectoring but just trying to help you to help yourself and avoid something you might regret.

ok thank you i just got my credit report and its not listed at all from experian regard

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are all your old addresses listed ?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Correction to my post of 4 April [too late now to edit]

Apex and Marlin were both acquired by *Cabot*.

.

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by agreement between marks and Spencer and the defendant on or around 01-07-1998

agreed to lend the defendant monies under the terms and condition set out therein in breach of the agreement

the defendant did not pay instalments as they fell and the agreement was terminated

 

no date given ( on court claim ) the agreement was assigned to claimant on 15/02/2013 the claimant claims £477.91

 

interests pursuant to section 69 of the county courts-acts namely £460.89 and continuing amount claimed £ 938

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are you saying you have got a county court claim form {N1]

 

and marlins are taking you to court?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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are you saying you have got a county court claim form {N1]

 

and marlins are taking you to court?

 

dx

 

yes they sent a claim against me the original loan was from 1998 defaulted i think 2001

 

they want 477 pound plus court fee and a further 500 pounds interest

i sent a postal order and letter for original credit agreement to Mortimer Clarke and marlin

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right you need to get moving then.

 

can you please scan up the claimform

 

REMOVING pers details

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


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What is the date on the claim form ? have you acknowledged service using the on line MCOL website? You have 19 days from the date on the claim to AoS.

 

Andy


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 The National Consumer Service

 

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

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please read the instructions....

 

you need to PDF attachments

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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yes i have contested it also i have sent off for a sar to m and s £10 its night mare trying to attach a file from this computer

 

also postal order off to solicitors and marlin one pound each to see what they have

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