Jump to content



  • Tweets

  • Posts

    • Please start reading around the Hermes and P2G threats on the sub- forum. There's lots of material here and it's important that you go through them and understand the principles which are recurring all the time. There are huge number of similarities. Once you've done that, you will understand the basics of what needs to be done. And we will help you. You will need to give us a bullet pointed chronology what has happened including values, whether you are insured, et cetera et cetera. It would be nice that you deliver us the whole story without us having to follow up with too many questions. Start off by reading around
    • The financial platform provider, Aryza, has acquired HubSolv in its second acquisition of 2021 View the full article
    • Sales of European NPLs hit a four-year low last year with €67.7bn of assets sold, a new study shows View the full article
    • I am hoping for some help. I noticed some readers state they have successfully challenged leaseholder charges. I am now being charged in excess of £2000 leasholder service charges on a garage in Kent. It is a simple garage. As it is a  non-residential the normal tribunal routes to appeal  the garage charges are unavailable. I requested an explanation of the charges. All the service company have provided is a list of charges nothing to say how these charges relate to my garage which has never been visited or maintained. I am charged management fees, account preparation fees, audit fees. The leaseholder forwarded my account to SLC solicitors three years ago. Three years ago I sent SLC a cheque to avoid legal action. SLC did not bank the cheque as they agreed that the charges are unreasonable. However the management company continued to issue charges on the garage. SLC have issued legal action again. I would love to hear from readers who have successfully challenged unreasonable leasehold service charges.
    • i can't find a lost scottish court claim for a speculative invoice... likewise i haven't seen any gauge of an increase in PPC's issuing court claims in scotland since the much trumpeted POFA changes in Scotland - if they even happened or changed anything   it pers concerns mea bit  more as you say you've read up....focussing on POFA.. that you still appear not to have understood the very 1st basic principle of PPC things ..they are not FINES.   if they did get sheriff officers to issue a claim, and again there is no data to indicate any increase at all in them doing so, bar a handful of cases you can count on one hand in the years before, there would be plenty of chances to fold .
  • Our picks

    • 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
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Please note that this topic has not had any new posts for the last 2663 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

  • Replies 93
  • Created
  • Last Reply

Top Posters In This Topic

Ok, ignore or give em a swilling.....Will they shout obscenities through my letterbox in either event?!!!! God that would be mortifying if the neighbours heard tem asking for money :(

Link to post
Share on other sites
did it say they will visit or call wednesday? if visit and if ever they did, suggest you go upstairs with a bucket of contents from pot under bed and sluse it out of the window at an appropriate time>?

 

:lol: My grandfather actually did that once. It must have been in the 30s when my mum was a little girl. She clearly remembers him doing it to people who were making a suspicious noise outside. He thought they were burglars. They left with more than they expected. :lol:

Link to post
Share on other sites
Love this forum, makes me feel like I can take on the world when Ive got you lot to back me up ;)

 

 

 

send the doorstep letter as D.D, states and your further covered, no need to mention asking for Mansion Red Lead Paint for the step.

:mad2::-x:jaw::sad:
Link to post
Share on other sites
I think I just automatically thought 'calling' was a doorstep visit but possibly not....oh well whatever they do they'll be ignored either way :)

 

 

 

That is what they hoped you do and then ring them!! all part of the threatogram - the idiots.

:mad2::-x:jaw::sad:
Link to post
Share on other sites
  • 1 month later...

Hi all, I have just received my 'bumf' from capitalone regarding my SAR.

 

There is sooooo many pages of information I havnt a clue where to start..

 

..there are screen dumps, copies of letters to and from and also a list of statements and ins/outs.

 

Can someone please point me in the right direction what I do with it now (as in claiming back or whatever I am supposed to do) as I am a bit overwhelmed?

Link to post
Share on other sites

look for FIXED sum penalty fees and PPI in the statements

 

go any?

 

late/over/letter/phonecall?

 

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
Thanks DX, yes I have some PPI, some late payment fees etc...

 

In which case you need to start completing the spread sheets. You will find the PPI information in the links in dx's signature and also the spread sheet that you need to complete.

 

Charges and PPI should be two separate claims.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
  • 1 month later...

Hi all,

am I correct thinking I may have to pay court fees for claiming these charges back?

 

I have also just received a letter from Fredrickson International 'letter before action' regarding said debt.

 

Not sure how to proceed....definitely don't have the money if its going to cost me an initial outlay to try and claim such charges back....?

Any advice?

Link to post
Share on other sites

not unless they refuse and even then it wont cost much.

cap1 typically cough on charges/ppi anyhow without ccourt

 

did you get that spreadsheet done?

 

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

I have to be honest Dx I havnt done it.

..I have so much on my plate right now I'm feeling totally overwhelmed,

 

I have coursework deadlines to meet by the end of this month or I wont get into uni next year,

allsorts that needs done in my home as we havn't long moved house and so many debtors who need seeing to that I just keep avoiding it

all because there's so much info to take in.

 

I think I'm going to have to take the view to tackle these Cap1s at the minute and forget the rest for now.

 

I could cry when I look at the pile of letters that I keep stapling to each other...it just feels like a never ending task.

 

Anyway, that's my whinge over,

 

I have a roof over my head and a lovely family which is a damn site more than some do and I'm certainly nt the first to be feeling like this.

 

Need to stop avoiding and start doing.

Thanks a lot.

Link to post
Share on other sites

I do know how overwhelming it is, but if you don't respond they may well start proceedings and that will be a lot worse to deal with.

 

Just try and decide what you will deal with on each particular day and make a list. Doesn't matter if you don't finish all the tasks; at least you will have done some.

 

Obviously the coursework deadlines are very important too, but this Cap1 situation isn't going to go away so, as you say, that has to be tackled now.

Link to post
Share on other sites

Right,

 

I have looked on the main forum for the spreadsheet as I wasn't sure which of Dx's signature links it was

...I got to a wiki link but I don't know exactly what I'm looking for .

 

I have found a 'Credit Card excel spreadsheet' sticky..

..it seems very straightforward,

is it really as easy as putting the charges in and it will calculate?!!!!

Is this one it?

 

http://www.consumeractiongroup.co.uk/Spreadsheets/England/BankChargesOO.ods

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

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...