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    • Can you explain a little bit more about the delivery please. Somebody sent them to you – was it a retailer who sold them to you? If you have to claim against Hermes then if you declared only a £300 value then this is probably what you will have to settle for. You pay £95 shipping costs – that is extraordinarily high for Hermes. Can you explain why it was so expensive.   Have you made a formal claim to Hermes? And have they responded?
    • I'm sorry there are a few typos in my post - a hangover from injuries I had at the time being discussed. I did try to tidy it up straight away but wasn't allowed to repost after editing it.
    • You posted in a solid block of text and it's rather difficult to read. Please will you make sure that your posts future are properly spaced and punctuated and that way people will find it easier to give you the help and support you need.
    • I arranged the delivery of a set of drum kit wood shells with hermes, I booked directly online. They have told me the item is lost 70x50x55 cm box???   They asked me to fill in a claim form which I have done i declared a value of £300 for the parts sent and paid for extra cover. I had recently purchased the whole drum kit for £650 and shipping costs of £95.00 to get them to me.    After investigating the cost of replacing the shells, not a direct equivalent but similar, it will cost around £450.00 with delivery.   I want to get compensation over the £300, is that possible, i have informed them of the total loss with delivery costs, prior to shipping with Hermes as £745.   I am more than happy to go to the small claims court for the difference but would it be dismissed,   Should I go for the full cost of the loss or the cost of replacement shells only I have all the receipts for the drums and shipping costs prior to hermes losing my items.   I still have the remaining parts that a pretty much worthless now, unless i get a new set of drum shells.   Its probably going to to take ages, I've written to CEO of Hermes about my complaint as well just to cover all bases. Next stop will be the small claims court as i read they pull delay tactics and low offers.   They really didnt care and also didn't seem surprised when i spoke to a service agent.
    • Hi all I used to be a member here a few years ago when I went through a bad time - husband and I had bad health, both lost jobs etc, we got the usual helpful and sympathetic response from the bank.   With the help of CAG I did my best to fight back and found that some debts were legally unenforceable as well as the usual defective defaults and everyting else the banks were doing wrong. We're going back to about 2009/10.   With HSBC they refused to provide a SAR/CCA because I wouldn't provide a signature that matched their records. I remember I took the advice from CAG at the time NOT to sign.  in any case, due to my injury I was unable to do anything except scrawl. I told them that I didn't think the SAR required a signature and in abny case I couldn't. In short they refused to cooperate, there as a series of letters but they cited the DPA, at which point I pointed out that they were sending me demands, statements and theatening letters but only now were they saying they had to verify my ID (at that point, the bank said that they wouldn't send any more statements/demands etc until my Id could be confirmed (seriously, you couldn't make it up). I also pointed out that the guidance from the ICO was that if they were responding to the address they has on record and was the usual contact address, they could assume it was their customer writing to them. I even complained to the ICO who, as usual took the bank's side.   Eventually, I said to the bank that if they were unable to give me details of the alledged debt then I was unable to consider their demands and verify the situation and I wouldn't correspond with them any more and they could go to court if they liked. But, if they did lodge court papers, and sent the statements etc I'd immediately complain to the ICO that they hadn't verfied my ID acording to their own procedures (something the ICO had agreed was required), and I'd bring it to teh attention of teh court that they had deliberately not sent me the data to allow it to be resolved one way or teh other. If they didn't send the stuff through discovery, I'd lodge an embarassed defence and ask for it to be struck out as I had been asking for the records for 6 months or more.  I didn't hear any more from them, that was in March 2011.   In Nov 2015 I got a letter from Hoist Portfolio Holdings 2 Ltd that they has been assigned the rights from MKDP LLP and giving bottom Robinson Way's address. I hadn't heard of MKDP before and simply ignored it. I certainly wasn't aware it had be assigned to them in the first place.   A few days ago, I got a letter from Hoist again asking for payment. I intended to ignore it except for a letter I got from the Bank this morning.   The letter is the same one that has been mention on here very recently, a refund from the bank for £25 because they had determined I hadn't recived the correct level of service (no sh*t Sherlock!) The account number is NOT my currect account. It MAY be my credit card, but I seem to remeber they were rolled into one. I don't seem to have any correspondence about the CC, and I destroyed all paper documents a few months ago. All I have is scanned copies of letters (which may not be a complete record, but should be).   I received a letter in Nov 2017 from PRA about another CC saying the debt has been assigned to them (no letter of assignment from the creditor) and in Jan 2018 an 'Annual Statment'. Since then, nothing.   I've made a point of ignoring these kind of letters and demands in the past belieivng they were SB and eventually the data would be destoyed. After a few years of actually being able to relax, I'm now worried that the aggro is all going to start up again with this HSBC and other accounts.   Now, the questions. it is/was my understanding that the debts became Statute Barred a few years ago and they couldn't be enforced. The CC default was issued Feb 2009. A month later a Final Demand was issued for both current AC and CC giving a combined total. (that total is similar to the one sought by Hoist which gives my currect AC number).   So, are these accounts SB? If they are SB and the bank has desposed of them by assignment to someone, why do they still have my name and enough details of my correspondence to determine they didn't behave correctly? Does the DPA not require them to destroy data after 6 years?   On the same DPA note, it seems that this account is simply being passed around from one **** bag bottome feeder to another (maybe teh same one under different names), again, why is data still being processed after 6 years? Am I doomed to be persistely pursued by these scumbags until I die? Or am I worng? Are they able to process data as long as they like, even when there has been no contact for years?              
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Joint debt first plus mortgage


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Hello to all my CAG friends, all is well in Hippy Land so far, tempting fate I know. !!!!!!

 

Most debts unenforceable, lovely rented three bedroomed detached with a work colleague as lodger who is never here.

Never been so well off and its 99% due to you great guys and girls out in CAG land.

 

Now I let them repossess old house and low and behold made enough to pay off mortgage with £10k to spare which went straight to those gangsters First Plus.

Now even with that me and ex Mrs Hippy still owe them about 30k, no worry for me as I have BR money saved and will just go BR if the going gets tough on this one.

 

Now I have spoken to Mrs ex-hippy as we now get on a lot better, even helped her with her debts, but she just buries her head in the sand really,

 

she has 50k unsecured and has not paid a penny to any since 2010 and amazingly even with all the threats she has not even been taken to court, ( beggars belief really )

least I tell them to produce CCA which most can't as they are from the naughty nineties )

 

I think it goes to prove that DCA's and the debt purchasing companies are very reluctant to go that route as they know they would probably only get a token £1 from the ex.

 

Back to First Plus,

 

so far and I know this is tempting fate I have not heard a bean from them since January 2012 when I stopped payment,

my battle plan when I do is to say can't afford to pay you go to Mrs Hippy,

she will obviously say the same and so battle commences. On a JOINT DEBT if they feel they want to pursue through the courts do they do it as a joint summons???

or both individually ????

 

I have no intention of letting it get that far, I will be off to the BR courts before it gets that far but was just curious as to how a joint debt is enforced through the courts.

 

Once again a big thanks to all you great stars out in CAG land, The Brig, Bazooka, just to mention a few.

[sIGPIC][/sIGPIC]Happyhippy1959

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Hello Hippy, the creditor can pursue a joint account 'jointly or severally ie one the other or both debtors.

 

So if you cannot pay they go for the ex and vice versa, often seen this type of situation drag on for ever, letter tennis threats of litigation, end of the known world if some one doesn't cough up, so this could be the time to looking at the BR.

 

That's my opinion hippy, others may disagree.:madgrin:

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Hi there, in addition to what Brig has put - should you go bankrupt they can chase your ex for the full outstanding amount. Given the circumstances it may be that both of you take the bankruptcy route and be done with it.

 

Seq.

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HI,

 

Almost identical circumstances as you.

 

I went BR in March - best thing i have done

 

BR is like a trip to the dentist - you no you have to go at some point

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  • 2 weeks later...

Thanks guy's your great. Thought as much, when First Plus rear there ugly head as we know they will eventually or some muppet that has purchased it I will play a little ball game at first take it to the wire then go BR and Mrs ex can do what she wants. Oh how what goes around comes around, for five years after dumping me and me paying the mortgage and secured loan working seven days a week, no car no money, it is now me who has money put away beyond the reach of anyone, a little car now a lovely home. She on the other hand is now so broke she had to borrow £30 of my sons birthday money I gave him. !!!!!!!!!!!!!!

 

There is definite Karma somewhere. Off the subject just listening to an article on the radio about Edward Snowden blowing the whistle on PRISM,,, Alway's new big brother was here living next to that lovely Doughnut shaped building called GCHQ, WELL MI 5 OR MI 6 IF YOUR READING ME POST you have a sadder life than Mrs EX Hippy and yes most Politicians could not sort out the quaint P*ss up in a Brewery. Think I will purchase some carrier pigeons for my clandestine pagan sect that meets every Solstice at Stonehenge, mind you there is a dodgy looking geezer in it, he maybe a member of the Special Demonstration Squad, oh dear can't even howl at the moon in peace these days !!!!!!!!!!!!!!!!!!!!

[sIGPIC][/sIGPIC]Happyhippy1959

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