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    • I'm trying to understand it all but I certainly tend to agree with my colleague @dx100uk that it looks as if you may have been taken for a ride. You found an advertisement for a bag on an online sales site. Instead of going through the established procedure of that site, which presumably allows them to recover a commission from the seller you started dealing directly with the seller who is an unknown person to you and of course that allowed the seller to avoid paying the commission. At whose suggestion was it that you went off-site? You then pay by PayPal but instead of logging it with PayPal as a payment for a purchased item, you tell PayPal that it was actually simply a gift or transaction between friends and family. This also allowed the seller to avoid paying a PayPal fee on the money. At whose suggestion was it that you paid in this way?       I don't say that you definitely have been scammed, but it doesn't look very good. This is how it might have happened: after you agreed to take the transaction off-site, so you lost the protection of the established system – and the seller avoided the commission and also avoided the sales site knowing that they had sold their item, you then agreed to pay the seller some money – but not for a purchase – simply as a gift. This has two consequences. Firstly, the seller avoids a PayPal fee and secondly, because PayPal has been misled as to the purpose of the payment, you lose the protection of PayPal if it turns out that you've been scammed or there is some other problem with the transaction. The seller then apparently sent you the parcel and they sent you pictures of a package with your address on it. Separately they sent you a Hermes tracking number – but there is no evidence that the package was actually posted to your address. The seller might simply have taken a picture with your address and sent that to you by way of reassurance – and then changed the label and posted the parcel to themselves but sent you a tracking number which is inaccessible to you and in respect of which you will be prevented from getting any information. All you've seen is a parcel with your address on it. All you've been given is a tracking number which satisfied you for a while until the parcel did not arrive and then when you started to make enquiries, you found that you were unable to access any details referring to the tracking number. Of course the tracking number says that the item was delivered – because maybe it was – but in that case it was delivered to the address on the parcel which might have been the seller's own address – or the address of a friend. I don't want to say that this is definitely how it happened, but it is a plausible scenario. Of course Hermes is an awful lot of parcels – but on the other hand I expect that most of the parcel is that going to Hermes hands are delivered successfully. We only get the bad stories on this forum. I can imagine that Hermes rate of successful deliveries is better than 97% because otherwise people wouldn't simply just hate them, they would go out of business.   We can help you bring a complaint against Hermes if you want. However, on the basis of what you say, the odds are stacked against you but it would be useful to try and find out the address which was associated with tracking number. As far as your apparent willingness to travel hundred and 50 miles to ask for your money back, don't bother. If you did actually go there, are you sure that the seller actually lives at the address that you have been given? What evidence do you have that? Of course if you found that the seller didn't reside at that address then it is slamdunk that you have been scammed. But then what are you going to do? You can try to inform the police but of course it won't get you anywhere. You can inform the sales website – but they will say that you brought it on yourself because you agreed to go off-site. You can inform PayPal – that they will say that because you sent the money which was calculated to avoid their fees, you have lost the protection. If you travelled the 150 miles and found that the seller did reside at that address, do you really think that they are going to hand your money over to you? If they are acting dishonestly then they will simply say that it is nothing to do with them, that they addressed it all correctly and they don't understand what has happened and that this is simply Hermes up to their old tricks. What are you going to do? You simply risk getting into a very nasty argument and depending on how bad it went, you might even find that the police are called and I'm afraid that they would be looking at you – not the seller. Maybe you can answer the questions that I've post above as to who it is who initiated the various ways of doing business.    
    • The legal campaign's going well then. The recount in Wisconsin gave Trump more votes but Biden even more, at a cost of $3m. And a donor to the organisation bringing the failed cases is suing to get his $2.5m back.   https://www.theguardian.com/us-news/2020/nov/28/joe-biden-gains-votes-in-wisconsin-county-after-trump-ordered-recount
    • Yes Unicorn feed tax again, can't sue the keeper for more than the Original Charge, so any additional Debt Collection fees aka the £60 they add is abuse,iof process as per HHJ Harvey at Lewes county Court What lookedinfroinfo is indicating is that the main signage on entry and dotted around is merely an " Invitation to Treat", not the offer, the Offer and Acceptance occurs at the payment machine, so wording there is key.
    • Hello and welcome to CAG.   People will be along later to advise you, please bear with us until they're able to get here.   In the meantime, I suggest you edit your attachment because you've left your name on it. Please check it carefully and remove anything that can identify you.   HB
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Hi folks.

I have just had my SAR letter returned saying that there was no cheque for £10 inside.

 

 

I enclosed a P.O. for the amount and following a caggers sound advice I photographed both sides of the P.O.

with the letter it was also marked for SAR only.

 

 

The letter was sent Special Delivery and received just over a week ago.

 

 

Should I wait until I find out from the Post Office if it has been cashed before I re-apply, cancel it now and ask for a refund

 

 

or should I just write back to Barclays with a copy of the photographs enclosed?

 

 

Thanks in advance.

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Do both Post Office & Barclays make sure you keep copies of all correspondence.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...

Hi folks,

I have been dealing with another debt on this forum and mirroring the advice given with this debt.

 

In the last couple of days I received a reply from Cabot about the CCA request I made last week.

 

They stated that they have requested the info from the original lender?

 

I had the NOA when Goldfish sold the debt a few years back.

 

The debt refers to a credit card taken out about 13 years ago and I can't remember if I applied online for it.

 

I know I don't have any of the original paperwork from that time and when I SAR'd Goldfish all I got back was a letter saying there wasn't a cheque with the request.

 

I am still waiting to hear from the P.O. if my postal order was cashed.

 

Do I send an "Account in dispute" letter now or wait until the 12 + 2 days is up?

 

Got the feeling that I might have been milked more than a herd of cows!!!!!

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Wait for the 12+2 days then send the dispute letter.

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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Check your credit files, see if this is on there, doubt it given the length of time.

If it isn't just ignore them, unless you have paid anything within the last six years on this?

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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Hi Bazooka Boo.

Debt is on there showing as Defaulted which is correct. Had NOA from Cabot and have been paying regularly. ( Please don't shout at me about that.) As a lot of people I have only been aware of havens like CAG for a short time and am still learning what options there have been available to me. Have already SAR'd original lender, see post 1. I know I paid PPI which Goldfish told me to stop when I took voluntary redundancy and first got into financial difficulty. As you know you can't claim on PPI for that. As an aside, what cap badge is that on your avatar? Looks like R.A.

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Yes it is R.A.

 

How much are you paying them each month?

 

How much of the total balance is fees/charges that you can reclaim?

 

When did you default on this?

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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As cannot has replied saying they are looking i am not sure if i would even send the full account in dispute letter. At most I would send a letter saying as they are in breach of your s78 request you will ne ceasing payments until such a time as they can validate any liability.

Any opinion I give is from personal experience .

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PS I have a goldfish card with cabot and they wrote back saying can't find the agreement and won't bother me again.

Any opinion I give is from personal experience .

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Hi folks,

Bazooka: Paying £20 pm, am waiting to find out how much is due to charges/fees etc. Went into default Feb 2008. Sold to Cabot a couple of months later. Been paying them since then minus a few missed payments.

Fletch: I live in hope that they will do the same with me but I am not holding my breath.

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Hmm, I would be inclined to drop those payments to £1 a month...

£20 a month seems steep, especially as this is a non priority debt and there will be fees/charges to reclaim...

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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If they can not produce a cca and admit as much why pay anything at all. £1 a month will just keep the debt alive for ever. Then when you die they will have a preferential claim on your estate if there is one.

Any opinion I give is from personal experience .

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Hi folks,

We all live and learn. I have never doubted I owe the money to someone and thought I was doing the right thing. Didn't realise that people like DCA's acted the way they can and do. I just wanted to be debt free, it was the way I was brought up. As it stands they won't be receiving any more until they prove they own the debt and the CCA request is satisfied. As for when I die I will await a doorstep visit from one of their agents. Don't know where I will end up. Either way they will have to get past the doorman.:lol:

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It isn't clear whether they can or can't provide the CCA yet?

 

If they can't provide one, then yes put the account in dispute and stop paying. But they should be given the full time limit in which to respond before stopping payments.

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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Hi Bazooka,

The time limit for the CCA and my next due date for payment are about the same time. Meant to get the CCA off sooner but life got in the way!!!

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Hi Nailpost,

In the scheme of things it might not make any difference. On the other hand could they make me bankrupt due to the amount I owe, if they prove I owe it? If they do prove it I can't afford to take that route. I want to take one step at a time but look four steps ahead. Plus if everybody stopped paying what they owed where would that leave the country? In the middle of a triple dip recession where the bankers get huge bonuses? No thanks but I'd rather be in the nice fiscal state we are in right now. Off to pack my backs to count my money in the off shore accounts in Cyprus.

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I wouldn't even begin to worry about the finances of the country, if needs be they can just print more money, money is false anyway, we've just been lied to about it.

 

When the time runs out for them to supply the CCA then send the account in dispute letter, and stop paying.

 

What is the total amount on this owing?

 

Bankruptcy is miles away and their is lots of hurdles they need to jump in order to satisfy the court before doing so, so you can forget any notion of that for the time being.

 

They will need to have all of their ducks in order way before that, and if they fall at the first hurdle and fail to supply the CCA then BR is a non starter.

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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Hi folks,

Don't know if it has any bearing on this but I have been looking at the paper work that I have kept. Debt was assigned to Cabot in April 2008 and it was only in October 2008 that they served me with the Default Notice. Would this affect the case? Thanks in advance.

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Default and termination from the original creditor, then sold on to whoever so check the dates.

 

money is false anyway, we've just been lied to about it.
(touch of fotl there R?)

Illegitimi non carborundum

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That is extremely suspect, a BOA sent in April, followed by a DN in October?

 

Definitely a cause for dispute, and most certainly a cause for a formal complaint to Goldfish, and Cr@pbot get nothing, if you wish to send them a 'no debt acknowledged' or 'In dispute' letter then by all means.

 

But Goldfish are the ones who need to be brought to book here..

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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So according to that you were defaulted by crapbot? not the oc?

ooh, love it,

as BB says, NOA in April followed by DN in October.?

Dispute all the way....

Illegitimi non carborundum

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