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    • Served on 16 Feb.   On reviewing the MCOL website today for an updated, I noticed that 1) Hermes has aknowledged the claim, but not yet filed a defence, and 2) that I there was a glitch / error on the form. Essentially, it looks like I had accidentally left the "I will send detailed particulars of claim" box ticke (I thought I had unticked it), with the result that the claim section has been truncated, and some extra text has automatcially been added - in red below):   "...Claimant seeks £XXX, plus I will provide the defendant with separate detailed particulars within 14 days after service of the claim form. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of..."   This is obviously not ideal. Is it better to try to amend the claim somehow, or to just submit a brief POC that a) clarifies that I am seeking £XXX plus costs (which was automatically truncated), and b) sets out my calculation of the £XXX?  
    • Hi   It amazes me how they pass the buck as they don't want to deal with a private homeowner but if the shoe was on the other foot they would be hammering down on you for breach of tenancy.   As this is council housing you need to make a Formal Complaint in writing to the Council Housing about this (as a social housing landlord they have a complaints process they have to follow). you need to exhaust their complaints process. Make sure and title your letter Formal Complaint.   From what you have posted this tree is not just a nuisance but also a Health & Safety risk:   1. The tree being overgrown is now a danger to the occupants/Guest/Visitors to your property   2. The tree has overgrown into the Council Housings Boundaries your property causing damage/endangerment to the occupants/guest/visitors.   3. As the roots of the tree are also overgrown into your property you have concerns that these may be causing/damaging to any underground pipework that may be within the boundray of the property.   4. So far the Councils actions have been to treat their Council Housing tenant as a third class citizen with a private homeowner aloud to cause endangerment/possible damage due to these overgrown trees which are encroaching on your council house property/bounderies.   You also require clarification why you were sent the Healthy Neighbourhood Information which states I have to pay £375 to make a complaint. (make sure and attach a copy of the response that states this cost)   You also require copies of the following:   1. Complaints Policy (not the leaflet) 2. Customer Service Standard (not the leaflet) 3. Health & Safety Policy (not the leaflet) 4. Public Liability Insurance Policy. (not the leaflet) 5. Clarification from you if their is any underground pipeworks running through the bounderies within the garden area (you should have full knowledge of this it being your property/plans) 6. Compensation Policy (not the leaaflet) 7. Equality & Diversity Policy (not the leaflet)   When you get the above policies sit with a pen/pencil/highlighter and take you time reading them and just think to yourself 'DID THEY DO THAT' if not mark it then leave it for a while then do the same again this way you can basically throw/write back stating the haven't followed x policy with which part of that policy and your reason. (you are building evidence to use against them using their own policies. I would also like to refer you to The Local Government (Miscellaneous Provision) Act 1976: http://www.legislation.gov.uk/ukpga/1976/57/part/I/crossheading/dangerous-trees-and-excavations     You need to remember yes it is the Council but the Council Housing is a separate entity and is a Registered Social Landlord (RSL)   Is the Council Housing classed as a registered Charity? (what is their registration number whether charity or RSL?)   Also have a wee look at this CAG link:     
    • @rocky_sharma   Fame at last!!   Dunno how much help it would be in your case, but I could try digging out the txt of my defence if you think it might be relevant to your defence. We might hafta do this via PM, then e-mail though if ya wanna go down that route.   Good luck with yours anyway mate.
    • The car finance firm, owned by Provident Financial, voluntarily handed the money to all 5,933 customers potentially affected by the breaches, which occurred between April 1, 2014 and October 4, 2017. It was also fined £2.77m by the Financial Conduct Authority for the way it behaved. The FCA said Moneybarn's actions meant more than 1,400 customers, many of whom were vulnerable, defaulted on their loans after entering into 'unsustainable short-term repayment plans'. This meant that they were punished with extra fees and charges, which many could not afford. https://www.dailymail.co.uk/money/markets/article-8013573/Moneybarn-pays-30m-customers-failing-treat-fairly.html   dx  
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Japcar

Lewis Group / Ebay help !

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Hi everyone,

 

I have received a letter from The Lewis group requesting a sum of £824.91 Re: Ebay ,

 

totally perplexed i called Ebay who didn't help very much as to what i could possibly owe them money for ,

 

but the only thing they said was do you have more then 1 account with us ,

 

the only thing i could think of was when i worked as a manager for a car dealership for a friend who lived overseas in New Zealand ,

 

he asked me to set up on Ebay Motors which the company paid weekly / monthly etc ,

 

but then the company was struggling when the recession hit and eventually the company closed in June 2009,

leaving me redundant ,

 

i can only think that some money may have been owing by the company

 

but as i used my name to start account and the director is overseas they are trying there luck and chasing me .

 

So the letter states they require full payment by 23 April or for me to contact them or they will pass my account to their field agents and instruct a collector to call at our home.

 

I have read on this forum the 1st course of action is to ask for a CCA which i have in a envelope ready to add a postal order into ,

 

i just wanted to check on peoples thoughts where they think i stand in this situation.

 

Thanks in advance for any replies.

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two words

 

off and bugger

 

DCA's are not BAILIFFS

 

they have

 

NO SUCH LEGAL powers

 

phishing trip me thinks

 

check your CRA file

just to be sure its not trashed

 

see below

 

dx


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

 

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hi Dx , sorry but what is a CRA file and should i still send CCA request ?

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ah sigs aren't working here sorry

 

see below for cra info

 

Credit Reference Agencies:Experian Equifax CallCredit noddle

 

 

Sort Your Debts Now - -

here

 

Start Your Own Thread - HERE

 

 

1. Single Premium PPI Q&A

Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here

4. Ins & Outs of PPI & interest : click_here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

my views are my own...seek legal advice if ness

NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone

- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.

 

 

 

Please consider making a small donation to help keep this site running

 

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

 

DX

RIP Martin3030

rant.gif


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

 

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yes i joined the experian 30 free trial and couldn't see any debt problems on there , is that what you mean by trashed ?, sorry very new to this .

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I think DX100UK means by trashed i.e your Credit File have defaults recorded or adverse data being entered onto the file etc.

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if its not showing

I doubt any debt exists

 

time to ignore them.

 

dx


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

 

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I think DX100UK means by trashed i.e your Credit File have defaults recorded or adverse data being entered onto the file etc.

 

yes my credit file / rating is fine nothing adverse on it at all .

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if its not showing

I doubt any debt exists

 

time to ignore them.

 

dx

 

thanks Dx , should i not bother sending CCA request then ?

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If nothing showing, personally I wouldn't worry.

 

Ignore the idiots. If they phone just tell them to get lost or words of your choosing!

 

Please remember that Debt Collection Agencies have no legal powers what so ever.

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If nothing showing, personally I wouldn't worry.

 

Ignore the idiots. If they phone just tell them to get lost or words of your choosing!

 

Please remember that Debt Collection Agencies have no legal powers what so ever.

 

Thanks DC , can you just clarify should i just sit tight and wait n see or should I send CCA request anyway ?

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If nothing is showing on your file, don't worry, I wouldn't bother with a CCA request.

 

If you do by chance get a visit by a Doorstep Agent just tell him to get lost or you will call the old bill to have him removed and give him/her the doorstep letter from the library.

 

Sit tight, don't worry.

 

DC

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Just to add, personally, there is no point in starting letter tennis with this company right now.

 

You don't know what its for, they haven't told you, they're trying to get you to call them, so they can get you to pay towards a so-called debt that you don't know anything about.

 

Stay off the phone to them!!! If they phone, like I said before tell them to get lost & to put everything in writing then put the phone down.

 

If they do come back with anything then they'll will need to prove that you owe it. For now sit back & relax.

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Thanks Delta-Charlie & DX , feeling a lot more relaxed now :) , I will post again if the **** keep probing .

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Well Guys heard nothing since i last posted online until today.........

 

A Mr Higgins from the Lewis Group called asking for me ,

my wife asked who it was and whats it about he said "not allowed to discuss it with anyone but me "

and left a card to call him urgently to discuss a important matter .

 

So they have not given up , whats my next move ?

 

Is it time to send them something ?

 

Thanks in advance guys

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what you mean you had a doorstepper?

 

dx


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

 

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sorry yes he called at the house

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Duplicate post :roll:

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really little bugger

 

ok well he is NOT A BAILIFF

and hass NO SUCH LEGAL POWERS

 

never ever talk to them

or hand over money to a doorstepper DCA.

 

tell them to leave

and call the police if he don't.

...................

 

pers i'd not be doing anything

 

but you could send the prove it letter to them

 

dx


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

 

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Ok thanks , i have the doorstepper letter printed ready to pass over if he returns , plus the prove it ready to post , though im in two minds to send , as a bit of me wants to know

if they have anything and the other half doesnt want to acknowledge them and stir a hornets nest :???:

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agreed that would be my reaction pers too

 

leave it be

 

letter tennis only makes them think they've

found a mug to fleece

 

dx


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

 

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