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    • Whats the MP for each card? Lets see what we can do for you.
    • I think I just need to know what options are out there and how they work with pro's and cons. 
    • Hello Peterbard.   Thanks for the reply mate.   My 0% rates have ended on all the cards and that's why I am now unable to pay the minimum payments. I have been careless and irresponsible and it has caught up with me.    I am in no way looking for a way to avoid not paying anything. I am Happy to work with the creditors or whoever it may be and get a positive resolution.    As for the credit rating as it stands I have missed 7 payments since October over the 6 cards. It isn't great as it stands. I am a home owner with a mortgage and that will be up for renewal in a few year so that will be the biggest thing in relation to that. We are on a fixed rate as it stands and would be looking to move on to another fixed.    Mortgage of around 130k and property around 160k.    Thanks again 
    • Hi IFR Many people have been in your position so try not to let it play on your mind. It can be sorted in a variety of ways, dependant on the outcome you want.   An IVA is seldom in your best interests  especially if you own your own property   You 0% cards will eventually come out of their initial period and you will stuck with interest on them also. So now is the time to develop a plan   If you want the creditors to stop pestering you immediately you could start a debt management plan, we can help with that There are several downsides to this  and although I used to advise this whole heartedly,   recent developments now make the idea less attractive.   Chances are you will end up with a trashed credit rating for six years whatever you do.  Is this a big problem for you?            
    • I am reading your post because I have a similar issue with unreasonable charges.  Researching the issue on line   . I found the following article Emma says... (breensonline.co.uk)    In a nutshell a legal loophole currently exists such that the freeholder can recoop legal fees from the leaseholder even if the leasholder wins the case!!! (Sometimes this amounts to '000s of £'s)   The government are going to address this yet if you have a court case prior to the change in the law  (I have)    if a leasholder who has been overcharged, wins the case then has to pay the freeholders legal fees is unspeakably unjust.    Please keep me updated how you get on.  I feel like i am in a noose with these guys no justice even with the courts!   
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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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Evening all, again, still helping my stepdaughter with her pdl problems, this time Cheque Centre(CC). Brief timeline/synopsis follows

 

21/05/13 - loan taken

18/06/13 - loan repayment due date, failed as no funds

02/07/13 - letter rec'd from CC, stating no payment made, £30 admin fee added

17/07/13 - DN rec'd from CC, possibly non compliant

23/07/13 - Circumstances changed/SAR letter sent to CC

30/08/13 - SAR rec'd from CC and covering letter with their account details on

01/10/13 - letter sent to CC explaining back in work and payment made by online transfer

01/11/13 - second and final payment made to clear account by online transfer

 

CC have never called or e-mailed my stepdaughter

I have not paid the £30 admin fee added on 02/07/13

 

I realise I have no confirmed receipt of either payment (yes I'm a pratt), so I now need to force this issue.

Am I still ok to send a formal complaint and include that I want confirmation of the account being cleared ?

 

As ever, any/all thoughts welcome

Regards

 

vselym

 

"Every day, and in every way, i'm getting better and better" - Chief Inspector Dreyfus

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Do you have proof the loan is cleared? Such as evidence from bank statements?

 

Is CC still chasing your stepdaughter?

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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Bank statements show payments made to the account details enclosed with CC's reply to the SAR

 

Other than the letters listed in post #1, they have never chased in any other way

Regards

 

vselym

 

"Every day, and in every way, i'm getting better and better" - Chief Inspector Dreyfus

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Then let sleeping dogs lie. Unless you REALLY need that confirmation.

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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Thanks RI, it's not that I REALLY need it, I just want it put to bed so to speak. I appreciate I will have proof enough to defend any action, or stop any DCA in its tracks, but I don't want to have to do that.

 

Am thinking a simple recorded delivery letter asking for confirmation of account settled and closed will do. If they fail to agree or reply then I can send a Formal Complaint and escalate it to the FOS. Whilst they haven't been particularly awkward, their affordability checks were woeful and they may have to pay for FOS involvement, more people should complain.

 

Musings welcome

Regards

 

vselym

 

"Every day, and in every way, i'm getting better and better" - Chief Inspector Dreyfus

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