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    • I agree with Brassnecked, change to "24 April 2020".   I also agree with Brassnecked that there's no point in asking for the extra 30 days, all that would happen is that they'd be ready to sue on day 31.  CEL are, quite simply, conmen, as shown by them insisting on app-only payment then deliberately making the app dodgy, so that they can try to chisel £100 out of people (which has now somehow mushroomed to £182 although there is no basis in law whatsoever for the increase).  You need to show them you've sussed their sordid little game and would be big trouble if they tried court. 
    • I have a reply on the RSA life protector!   Email the other week from the Natwest Customer Concerns Unit advising the investigation is starting now and they want to understand the complaint and call me.   I replied and said please write or email as I didn't want to speak over the phone.   Another email today asking for my number so they can update me and can send a response once they have spoken to me.   I'm sure I read before to keep this all in writing and not engage in phone calls?   Cheers   E!  
    • O/H has had first pfiser covid dose today, DIL had it a week ago  (both patient facing NHS) DIL had the relatively minor sore arm issues for half a day so its ... probably ... not psychosomatic   J&J vaccine coming along. O/AZ is also being made and distributed in India with India selling on to others although significantly, its not approved in the EU or US.   Express and mail (and other usual poopulist/nutter cheerleader rags and web pages ) are spinning conspiracy crap around O/AZ NOT being approved elsewhere ... .. but there is more justification for conspiracy crap around its early approval here it seems to me ..  . and the lack of approval in the US and EU seems unquestionably tied to those (dodgy?) O/AZ test data issues    
    • Just a update:   I received a email today:   Further to our meeting yesterday please find the invitation to a disciplinary meeting as discussed.   It is likely the meeting on Thursday next week will be held online by Zoom or WhatsApp unless you would prefer this in the office. We currently have a procedure where only 4 people are in the office at any one time and this would need to be booked in advance.   Please acknowledge receipt of the email and please advise if you would like a hardcopy of the letter.   The manager explained that they would send a email with all the details, and why I was getting a disciplinary for?   I just hope as I not had this, maybe a written warning? Hence : “ would like a hardcopy of the letter”    what do you think?
    • Thanks for your replies. I tried searching for my post from a while back but could not find it.   Yes I believe I did send the statute barred letter a couple of years ago and haven't heard another thing until the letter today.   I will send another SB letter to Global Debt Recovery and see what happens. I don't have any credit card numbers/ agreements just debt company reference numbers so not sure if I can send CCA request as well.   Thanks Paul 
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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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Read the reply carefully. Theyre still in breach of oft guidance and are trying to make it look like its your fault

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..

 

 

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Hi,

I think they are running scared here. Why would they not want you to contact the FOS? Are they already in trouble?

 

Personally, I would offer them half the amount they want (£85) and refuse their 'kind' request of not going to FOS. There is plenty of other grounds to carry on with the complaint (harassment)

 

No fault basis. CRAP! They are at fault and they know it.

 

If they do accept your offer make sure it that any (fictitious) balance is not passed on to any other DCA.

 

As for Marshall Hoare and NDR, ignore. they are just Toothfairy in disguise.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Larholt and his company are already under investigation. Oft have been taking witness statements about him as well

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

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I know they are. We have given a witness statement. I intend to make it very clear that whatever we settle for paying to clear the debt off my complaints remain and will not be withdrawn. They reckon that they did cancel the CPA when they said they would but they still bombarded me with daily texts and emails saying that they were going to take money and then when they couldn't. Surely this goes against that? And surely e

Even if they did why cancel it why have they let me spend the last eight months thinking they are trying to take my money....I had already switched banks and cancelled with the bank so they couldn't anyway!

 

And I am really hammering home the harassment thing? Wonder if I can mention the Harassmenf Act 1997 and remind them that I am entitled to take civil action?

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About the CPA...

 

we believe the firm has displayed a significant degree of forbearance by not reinstating CPA.

 

Sorry Larholt ( i know you'll be reading this). FCA regulation is clear and supercedes any sense of priority you may have in your mind about your silly terms and conditions. Onec it is cancelled, thats it. You cannot reinstate it without the authority of the account holder.

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

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Thats larholt for you. It's only a matter of time before he gets caught now.

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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If they were harassing you with telephone calls then there are two judgments that you can point them to.

 

 

http://www.allpaylegal.com/news/robe...ppeal-12062013

 

 

"Roberts v Bank of Scotland plc and another appeal

 

In respect of the harassment appeal, the claimant had made it

perfectly clear that she had not wanted to speak to the bank, and she

had been perfectly entitled to do so. Once the bank had phoned a few

times, it had been clear that no progress was to be made. Further

calls had been futile and should have been stopped. The judge had been

right to characterise the calls as intimidation and they had been

wholly unjustified. In respect of quantum, there was no possible

ground for interfering with the judge's assessment of damages.

 

 

 

and

 

 

Harrison v Link

 

http://www.bailii.org/ew/cases/EWHC/...e/2011/B3.html

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Hi Lottilox85,

 

The only reason I can think of for them to want you to withdraw your complaint with fos is to save the 550 GBP it will cost them if this goes through fos. Webloanprocessing does not really care how many complaints via OFT or fos they receive, they care about the money.

 

I would agree to them to withdraw fos and I would try to negotiate the 170 GBP down even further, e.g. by offering 100 GBP (which is roughly in the middle between 42 GBP and 170 GBP), but this is only my opinion.

24/7 Moneybox: 195.00 - Oustanding: 0.00

British Pearl/Spondoolies: 752.10 - Oustanding: 0.00

Cash on go/Peachy: 206.30 - Oustanding: 0.00

EarlyPayday: 325.00 - Oustanding: 0.00

Lending Stream: 1398.46 - Oustanding: 0.00

MicroLend: 780.00 - Oustanding: 0.00

Minicredit: 520.00 - Oustanding: 0.00

MonthEndMoney/PaydayUK: 937.50 - Oustanding: 0.00

MrLender: 715.00 - Oustanding: 0.00

Pounds2Pocket: 2328.00 - Oustanding: 0.00

QuickQuid: 1800.00 - Oustanding: 0.00

SafeLoans: 450.50 - Oustanding: 0.00

Speed-E-Loans: 516.00 - Oustanding: 0.00

SwiftSterling: 1295.00 - Oustanding: 0.00

Toothfairy Finance: 544.00 - Oustanding: 0.00

TxtLoan: 450.00 - Oustanding: 0.00

WageDayAdvance: 670.80 - Oustanding: 0.00

Wonga: 1336.86 - Oustanding: 0.00

Total: 15220.52 - Oustanding: 0.00

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The reason they want the complaint withdrawn is because they dont want the regulators to see what they are up to. Remember, larholt and co are under heavy investigation right now. The regulators are even taking witness statements so it shows how seriously they are taking it.

 

If you agree to withdrawing the complaint, you may as well be employed by toothfairy and become larholts best friend.

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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Withdrawing my complaint will not be happening, that's not open for negotiation! I've been told by a lady at citizens advice that the FOS have been forcing quite a few companies into giving compensation recently so it could be more than the £550 investigation fee. Im not after compensation although we have suffered months of hell from this company. we were stupid and got into a mess with a lot of companies but these have been evil to deal with. I do find it it quite amusing that even if I pay them the £170 they want I will still have cost them over £150! My loan was only £200 and I have paid £220 already! But they are gonna have to fork out for my complaint! Karma for you!!!

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Withdrawing my complaint will not be happening, that's not open for negotiation! ...Karma for you!!

 

 

and they tried so hard to avoid it going to the ombuds :)

Edited by Ford

IMO

:-):rant:

 

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