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    • BTW, the reply I got to an SAR shows they got my keeper details from DVLA via ZatDVLA and apparently their footage shows the vehicle being stationary for 38 seconds.   Time for sleep.   Thanks again.
    • Morning all,   the pdf in my previous post is an error. Could soemeone delete it please as I don't seem to be able to myself. Thank you.   Correct files are below. Had to be 2 as file size limit would be exceeded.   What a night, got myself in a right muddle switching between file formats to ensure security. To cap it all it's my birthday today.   Thank you in anticipation final multi.pdf Second two page file elms 1 and 2.pdf
    • This is a draft of my WS   By no means final   Negatives:   doesnt follow smoothly    long winded   not much referene to cases except Beavis     I have tried to attach appendied but failed miserably, but I may not need them   The appendix are essentially:    IPC COP example of a contract between landowner and a PPC   IPC COP re entrance signages   IPC COD re sanctions on members who dont comply   JPEG of the erected signage showing that its back is to the entrance of the car park hence not in immediate view   JPEG of a receipt from 16.1.2021 ( yesterday) proving I went there and had a look at the signages     Not really sure if the appendices will make much difference en my defence   Please make any constructive comments etc..   I will have a look at the many links  FTM Dave kindly provided. I havent in detail because bene typing for the last 7 hours      Anyhow Thanks All             WS redacted-merged.pdf
    • Thanks DX 100   haha i totally  agree with your comment about the page 20    Yes I am awake and been all night w my WS   BUT can I point this very very very impt point please, which I am not sure if it has come to your attention   1. The payment machine and 6 hours and the free parking after 4.30 pm on a Saturday etc....all taken on board.   HOWEVER, and I cant stop myself laughing, this pay machine  he eludes to is based at The Market Shopping Centre Car park , after googling it is in CREWE.  It is not even relevant. They have put in a signage that is not even at the Merry Hill Centre which is in the West Midlands.    The Merry Hill Centre is the one I went to in Dudley, west midlands. All the signages , apart from the one you elude to have the intu Merry Hill logo     The one you refer to is in Crewe. I have never been to Crewe in my life lol so that signage is totally irrelevant    we can play this either way:   1. can take up your line of argument regarding the 6 hours etc. and pretned we are also using the pay machine    OR     2. totally dismiss it as being irrelevant, misleading , wasting the time of everyone by providing irrelevant info. Thats what I have argued in my WS so far. That signage does not belong to inTu Merry Hill            This is akin to someone being on annual leave from work between say 1.10 .2020 and 1.11.2020, and then finding out one of his/her collogues saying,  I saw you leaving work early last week , the 15th of October 2020.   hello !!!, I wasnt even in the country on the 15th of October 2020 !!   essentially thats what the claimant has done . The signage on page 20 doesnt even belong to the shopping centre I went to   I will log out and carry on with th WS     Thanks again       .   
    • Thank you FTMDave. As you can see from the time now I have had a nightmare getting questionnaire answered due to scanner problems, it is up there now though. I do not have proof of breakdown as the alternator was bought from a breakers yard near Chelmsford. I remember it well as they sold me the wrong one on the Saturday and I had to go back in my mechanic friends vehicle on Sunday as I had broken the original alternator getting it off.
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    • 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

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Our £270 loan with minicredit has now been transferred to OPOS who say we owe £1540. I think not. I'm willing to pay what I legally owe at a rate I can afford which is £10 a month at the moment. I've been putting that away in an ISA since January. How likely are opos to agree that I owe nowhere near that amount and agree to the £10 a month repayment plan? I finish paying off two them loans in Sept and can increase to £20 a month then. Want to be clear of PDLs by this time next year but when they hike on charges like this I can't see it happening.

 

Anyone dealt with these people and got advice on how to handle it?

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Opos are minicredit. Keep telling them the charges and intetesr are unlawful and you are willing to only pay the original agreed amount and not the silly imaginary numbers they make up. You also need to file a complaint with the oft.

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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  • 2 weeks later...

OPUS are all mouth no action....stand firm and you will win

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

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  • 3 months later...

Same management, same address, same phone numbers, same people manning the 'helplines'

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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Im not sure if thats true Renegade.

 

When I dealt with Minicredit / Opos they had different telephone numbers, contact offices in different areas (London for Minicredit and Scotland for Opos) and very different staff on the phones (Very strong Scottish accents for Opos and...well...completely different for Minicredit).

 

Unless things have changed obviously

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They use mail redirection centres.

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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  • 1 month later...
Our £270 loan with minicredit has now been transferred to OPOS who say we owe £1540. I think not. I'm willing to pay what I legally owe at a rate I can afford which is £10 a month at the moment. I've been putting that away in an ISA since January. How likely are opos to agree that I owe nowhere near that amount and agree to the £10 a month repayment plan? I finish paying off two them loans in Sept and can increase to £20 a month then. Want to be clear of PDLs by this time next year but when they hike on charges like this I can't see it happening.

 

Anyone dealt with these people and got advice on how to handle it?

 

I have had endless problems with these people they seem to be the debt collectors for Minicredit and are a nightmare to deal with. I have gone so far as to report Minicredit to the FSA and OFT. They are sharks.

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Hi shazah. Write a formal complaint to them so you can get the fos involved.

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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  • 4 months later...
Our £270 loan with minicredit has now been transferred to OPOS who say we owe £1540. I think not. I'm willing to pay what I legally owe at a rate I can afford which is £10 a month at the moment. I've been putting that away in an ISA since January. How likely are opos to agree that I owe nowhere near that amount and agree to the £10 a month repayment plan? I finish paying off two them loans in Sept and can increase to £20 a month then. Want to be clear of PDLs by this time next year but when they hike on charges like this I can't see it happening.

 

Anyone dealt with these people and got advice on how to handle it?

 

First of all, before speaking to OPOS just prepare an income and expenditure which shows you can only pay £10 per month.

 

If they try and get you to increase just stand firm,

calls are recorded and as long as you can prove that you can only pay this amount

(they accept I/Es as proof) then you will be able to set up a plan.

 

ou may have to send this in via email or letter.

 

Regarding the "what I legally owe" part.

 

OPOS are a debt collection agency that have not bought the debt and have to go by the amount the client tell them.

 

They can accept settlement figures and get a lot of the charges removed.

But if you are only going to pay £10 each month then they are unable to adjust the balance at all.

 

Minicredit will not take you to court over this and OPOS will not add more interest on.

 

If you don't pay it it will affect your credit rating etc but at the end of the day they will not take any legal action.

 

Good luck and let me know how you get on!

 

And despite what someone has said here they are two different companies.

 

Any simple checks will confirm that.

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cause they are ......

 

only a judge has the power to demand pers financial details

 

they've no right to see or know it.

 

cut out the DCA

 

negotiate with the original creditor ONLY.

 

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... 

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