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    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
    • There's more support for many in the Budget, but for some it still falls short. View the full article
    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
    • have you written evidence it was hacked?    
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
      • 33 replies

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I like this Godfrey bloke.

Ash.

 

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I don't. He may have had some recent ideas i could agree with over the last few weeks, but definitley not his outbursts over the years.

 

The main issue i have with him is that he is very racist and very sexist. He subscribes to the turn of the 20th century way of thinking. Ideas that are not relevant at all in todays society.

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I don't. He may have had some recent ideas i could agree with over the last few weeks, but definitley not his outbursts over the years.

 

The main issue i have with him is that he is very racist and very sexist. He subscribes to the turn of the 20th century way of thinking. Ideas that are not relevant at all in todays society.

 

How is he racist ?

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Have a search for all his quotes over the last decade or so and come back and tell me he isnt racist. Nto to mention the bongobongo quote he tried to mask behind the worn out foreign aid stuff

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Have a search for all his quotes over the last decade or so and come back and tell me he isnt racist. Nto to mention the bongobongo quote he tried to mask behind the worn out foreign aid stuff

 

Not sure about his early stuff but the Bongo Bongo issue, well wasn't he using that term to describe the bonkers situation where silly money is often sent to foreign parts where no accountability is involved..

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Nope. he used it to describe an entire country. Not the situation.

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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Again, the use of bongo bongo land, wasnt referring to the situation. But was a racist name for the country, that has been used decades ago. Read the entire quote again. It is pretty clear. He MIGHT have some good ideas, but he ruins them by adding in his pointless and stupid racist comments every single time.

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I saw nothing in the transcript that was saying to me that the use of the term Bongo Bongo land in the context that it was used was racist. There was no mention of a persons skin colour (as I could see) and was to my way of thinking is some peoples attempt to suppress free speech..

Edited by Consumer dude
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everything is racist, or sexist its getting very boring. so he said bongo bongon land an unfortunte phrase but it dosent make him racist

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I dont know if hes racist or not. Iv heard the speech and the words bongo bongo didnt seem to refer to one race or country. However I do see how some people could see this was a racist comment although my black spouse nearly fell off the chair laughing. We did however agree with some of what he said. There are a lot of people in this world who need aid, however our governments should be putting pressure on these countries to help their own. Clearly if countries can afford jets and a space and nuclear programme they have enough money to raise the living standards of its people. Put it this way, after the New Orleans disaster it was clear that a lot of the people were living in terrible poverty and the the authorities didnt actually rush to help. We wouldnt give aid to USA would we.

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There are a lot of people in this world who need aid, however our governments should be putting pressure on these countries to help their own. Clearly if countries can afford jets and a space and nuclear programme they have enough money to raise the living standards of its people. Put it this way, after the New Orleans disaster it was clear that a lot of the people were living in terrible poverty and the the authorities didnt actually rush to help. We wouldnt give aid to USA would we.

 

I'd fully agree to that. The main problem is that successive UK governments have tried to put on a powerful face around the world when they give financial aid. The problem however is the aid is given to that countries government. Not handed directly to where it is needed. Those governments then siphon off the money until theres pretty much nothing left. Central Africa proves that 100%.

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Cant do that CD, due to various laws on imports/exports/purchases etc etc. It is completely retarded, but the law is the law. What the government should do is allocate the money to international charities who actually work in the problem areas, so the money is guaranteed to go into hardware and staff to help those in need. If you put the money directly to the governments first, then NOTHING will ever happen. Zimbabwe/Ethiopia for example.

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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Cant do that CD, due to various laws on imports/exports/purchases etc etc. It is completely retarded, but the law is the law. What the government should do is allocate the money to international charities who actually work in the problem areas, so the money is guaranteed to go into hardware and staff to help those in need. If you put the money directly to the governments first, then NOTHING will ever happen. Zimbabwe/Ethiopia for example.

You reckon its retarded ? I would call it living in do dar land. Its about control. The people of this country need to rise up..

Edited by Consumer dude
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I would stop all foreign aid tomorrow given the chance. Government however will continue to increase foreign aid because too many ministers have too many fingers in the honeypot doling out tax payers money like confetti for kickbacks.

 

Foreign aid is nowt to do with aid and everything to do with lucrative trade deals, this government doesn't give a toss about it's own citizens let alone the starving in the third world.

 

Corruptissima re publica plurimae leges

 

Being poor is like being a Pelican. No matter where you look, all you see is a large bill.

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I would stop all foreign aid tomorrow given the chance. Government however will continue to increase foreign aid because too many ministers have too many fingers in the honeypot doling out tax payers money like confetti for kickbacks.

 

Foreign aid is nowt to do with aid and everything to do with lucrative trade deals, this government doesn't give a toss about it's own citizens let alone the starving in the third world.

 

How right you are. I am sick of things where ordinary people are being laughed at. People should organise by way of the internet and more street protests against corporate control of the masses..

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