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    • I felt outmatched to be honest. Lowell probably did identify me on here and decided to send one of their more experienced. The guy they sent to last hearing didn't sound half as competent. The solicitor and judge were pretty much talking amongst themselves. That's how it felt. The Judge understood and accepted what the solicitor said at every point. She accepted fresh start as a brand name only. She accepted all the evidence were copies. She accepted I entered into a valid agreement. She accepted the error on the default notice was a typo. Felt like I lost before the hearing. If not, I wasn't able to express my points well enough. Not like the claimant who I'm sure was giving a law lesson. Completely out of my depth. I didn't ask to appeal. I'm upset understandably but grateful for all the help and support I received here. I've learnt a hell of lot but hope to never need it again.
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    • Thanks for your reply...much appreciated. Last payment date was December 2018. She had been paying £50/month from July, and they wanted £150/month, despite my partner losing her PIP (which was eventually reinstated after appeal). She stopped paying anything after they failed to supply a true copy of the original CCA (which she took out in 1981). Her name and address were different in 1981 due to marriage (and subsequent divorce!). Again, no mention of that in the “reconstituted” agreement which they supplied. Once again, many thanks and we both appreciate you putting time in to helping with this, especially due to the increased financial pressures of Covid on many people who also need your help.
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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!
       
       
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Droyds setlement offer, any advice? catalogue debt (Redcats).


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We have a debt with Droyds which is currently being paid via pro-rata payments.

 

There is an enforceable credit agreeement and the debt is post April 2007.

 

The total outstanding is about £237 and we may be able to get some help to pay it off as a 'full & final' payment.

 

Any advice on what would be a reasonable offer to make?

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whats the debt type?

 

any PENALTY charges or PPI?

 

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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Personally I would suggest £50 -£75 as a first offer on condition that all adverse data is removed from credit files.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Reply to dx100uk: there are no charges or PPI and it is a catalogue debt (Redcats).

 

Thanks BRIGADIER2JCS. I guess that you just negotiate from there on until you get a result?

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Reply to dx100uk: there are no charges or PPI and it is a catalogue debt (Redcats).

 

Thanks BRIGADIER2JCS. I guess that you just negotiate from there on until you get a result?

Yes, or you could offer the 10% - £23.70 in a very generous settlement.

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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BRIGADIER2JCS, this might sound really stupid but what do you mean by '...you could offer the 10% - £23.70 in a very generous settlement'?

 

Do you mean that we should just offer £23.70 as a 'full & final'?

 

Also, what are the chances of them taking an offer that low?

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BRIGADIER2JCS, this might sound really stupid but what do you mean by '...you could offer the 10% - £23.70 in a very generous settlement'?

 

Do you mean that we should just offer £23.70 as a 'full & final'?

 

Also, what are the chances of them taking an offer that low?

 

You won't know unless you offer it :)

 

Remember that these companies add 33% to the cost price of the item plus the interest you pay. So in reality you only owe them about £30

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10/15% of the debt is the starting point for negotiations on a F&F settlement.

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

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Start low... Always start low... Absurdly low! 10% is great!

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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Thanks for the advice everyone. Will be sending off the offer by recorded delivery tomorrow. Will keep you updated.

 

The following should be included in the offer letter.

 

Conditions of F&F payment offer.

 

1. All adverse data is removed from Credit reference Files

2. The remaining balance is NOT to be sold/assigned to any third party for collection at any time.

3.Payment will be made within 7 days of my receiving written acceptance of this offer and the conditions set out above.

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

Please Consider making a donation to keep this site running!

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  • 3 weeks later...

why do you need to settle this?

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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We have been offered some help, as I stated in my first post, to clear some small debts. This is one, of three, of the smallest that we have.

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what is the default date on your cra file?

 

see below

 

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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opps sigs not working sri

 

see below:

 

 

 

C
redit
R
eference
A
gencies
:
Experian
Equifax
CallCredit
noddle

fed up with DCA's calling get a TRUECALL BOX!! -
HERE

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

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

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alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message -
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DX

RIP Martin3030

rant.gif

 

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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Hello dx100uk.

 

We have just checked with Experian and discovered that the debt has never been defaulted on, it just states 'satisfactory'.

 

Further, after checking our filed letters from Droyds

we noticed that on one occasion they have threatened court action and on two occasions they have threatened legal action.

 

Didn't think that they could do this without a default?

 

Strange, another letter does refer to a 'default plan'...

 

Any ideas?

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that's interesting

 

so when was your last payment on this?

 

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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sri just seen your in a DMP.

 

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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Share on other sites

so the debt is due

 

doubt if you'll get a discount then

 

whos shown as the original creditor o the CRA?

 

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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  • 5 months later...

means they are offering you a discount

 

so theres some there to be reclaimed!!

did you ever SAR the OC

 

PS is as bad as a default/CCJ

 

it will kill any attempt to get credit for 6yrs

[or if the debt is defaulted till the debt goes on its [the defaults ] 6th birthday.

 

don't fall for it

 

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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Thank you for replying dx.

 

Have not sent a SAR as we cannot recall any charges being put on to the account. We don't even have a default notice for it but will check the credit file if it is supposed to be on there. What can they do if it has no defaulted?

 

Not going to accept the 'partially satisfied' statement as you have suggested.

 

Will reply when we have checked the credit file.

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you need to sar

 

there must be something wrong.

 

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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