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    • Hi Slick   I am not as experienced as you is there any thing in sar that i can identify. It does not state £2.5k debt in sar. It mentions new add ons.
    • So long story short.   I had a number of re-occurring loans with Unclebuck, I made a complaint in regards to my latest one back in 2019, got to an agreement to remove default markings and charges etc and just pay the principal. Didn't pay the outstanding amount due to personal reasons, being put on Furlough was one of them.   Saw that Unclebuck went into administration, made a redress application a couple of weeks ago, got awarded £807 for previous loans (not the latest one). So I contacted the administration to confirm they would pay the redress amount towards my outstanding balance, but they said they cannot do so?   How is that fair? I get they they can't pay me any cash, but surely they should be able to write off the current outstanding amount, it has to work both ways right? This was the latest response I got, so far no reply from their solicitor yet.   "Whilst I note your comments concerning your desire to set off Redress due in respect of unaffordable loans against your current loan that was not eligible for Redress, unfortunately the Administration precludes the position of set off until the Administrator makes a declaration under Rule 14.29 of the Insolvency Rules 2016. This declaration has not been made by the Administrators and will not be made as there is no distribution or intended dividend to be made to creditors in this particular Administration. Whilst I sympathise with your position, you will appreciate that the Administrators are governed by statute and cannot contract out of it.   I promise to speak to our solicitors to see if there is any room for manoeuvre on this matter and will come back to you afterwards, however I feel that it is unlikely. As you will appreciate making an exception for you may open the Administrators to claims from other customers in a similar position to yourself and indeed from other customers that do not have the benefit of another loan to set their Redress off against."   And to further add to it, I got an email today saying they transferred the loan to a collection field agency "Conexus Recovery and Field Services Ltd "  
    • Airline group IAG's call comes as it posts a huge annual loss after the pandemic grounded many flights. View the full article
    • Well as you're implying, UB, you're going to sign a better trade deal with a large economic bloc than with a small one, aren't you?   I don't think there's any chance of any deal based on a 'special relationship' while Biden's in the White House, but as I said I think Trump would have stitched us up in the end anyway.
    • Atleast 7 years, but they have already done some of the work. I think Liam Fox started this a few years ago.   My guess is that it will take 3 to 4 years before a proper trade deal is signed. There might be a mini trade deal before then limited to a few sectors.   The issue for the Brexit supporters might be when the EU and US sign a trade deal, before there is a UK/US deal. And when this finally happens UK only obtains same deal as EU. There is no reason for US to agree better terms with the UK and they would not do so  because US sees UK as part of Europe.
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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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Unfortunately

 

in the summer I lost a close family member to cancer.

This lead me to doing stupid things which

one of them was stealing from Primark.

 

I stole a shirt for £15 and

when I was about to leave the store I was stopped by 5 security guards and was

taken into questioning.

 

I immediately broke down and admitted to what i did.

 

Lucky they didn't call the police as I have no criminal record;

they however did take down address and told me I would receive a letter from RLP.

 

I've so far received 3 letter demanding £137.50 and

I've ignored all of them.

 

Today I received a text from Scotcall saying

" this is an important message from Scotcall regarding your account. Please call us to discuss this further"

 

I've read other forums which have said they sometimes turn up at you doorstep,

is there anyway I could avoid this?

 

Btw I'm 16years old doing my A levels and this is affecting my work as I've been having panic attacks.

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Hi and welcome to CAG.

 

I am so glad you have found us so that we can tell you that there is little to worry about.

 

Snotcall can do nothing apart from text and call and write. There is no debt and as such you could write and tell them that if they continue chasing for a debt that does not exist, you will raise a formal complaint with them and report them to the OFT where their fitness to hold a credit licence could be called into question,

 

On to RLP. They can also do nothing. You have had all the nasty letters threatening all and sundry (short of taking your first born-as and when that happens) Primark are the ones to take court action if they chose, NOT RLP.

 

Also, after doing a smalll amount of internet research, I can find NO cases where Primark have taken anyone to court.

 

Please try to relax and treat RLP as a mere annoyance.

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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Oh yes, as you are under 18, there is also bu**er all they can do

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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Pleasure :-)

 

Eventually, the troops will see this thread and offer a lot more support.

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thank you for your help. My heart is now beating at its normal speed

 

Hi Panda16, As Silverfox wisely states ignore RLP, Scotcall may be more difficult to ignore and you may need to write a few letters if you are worried about them calling at your house etc.

 

The following links are for letters in the CAG library which will stop them ringing you or trying to call at your house.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387366-Harassment-amp-Threat-of-Doorstep-Visit

http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone

 

Scotcall often make threats to visit your home which are very rarely followed up. If someone does call at your house simply tell them to go away or you wii call the police as you are a minor in the eyes of the law the police will respond.

 

Above all do not let them panic you there are many people on this forum who will support you.

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Please stop worrying about Snotcall. They are simply bottom feeders in the debt collection world and have no power to do anything whatsoever. RLP have simply paid them a fixed fee to try to shame/scare you into paying up - there is still a stigma in many peoples' eyes about a 'debt collector' however once you realise that they have no legal power and most certainly cannot enter your house or remove goods for sale, they are actually rather small and insignificant. Once they have exhausted the fee that they have been paid, and when they see that it is going nowhere, the calls/texts/letters will stop.

 

If you really feel like contacting them, do so only in writing and tell them in no uncertain terms that there is no debt to collect, you have no 'account' with them and that since they are harassing you over a non-existent 'debt' you will respond to any further communication with a complaint to the authorities regarding their continued harassment.

 

You have done the right thing in ignoring RLP and a debt collector referral normally marks the beginning of the end of their begging. The next bit will be that 'since you have chosen not to respond to pre action protocols and have offered no remorse, shame or explanation for your actions, we will refer the matter back to our client with a recommendation that they issue a claim for the full extent of their losses'

 

Also, since they are almost certainly reading this now (:wave:) the next letter might also include the fact that they are aware of you taking advice from the nasty people at CAG and that we are all layabout workshy losers with no knowledge of the law and that they are the only people that you should be speaking to.

 

Just remember that the last time one of RLP's clients went near a court in a contested action they were soundly spanked by the Judge and it was deemed that their case had no merit. Ask also why with so many threads on this forum there are none where the individuals concerned have come back to say 'Thanks for your crap advice, I have now received Court papers'?

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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In all my years I have never known a DCA to call at someones house, it just imply wouldn't be worth the expense, travel, petrol, wages, etc..all would possibly add up to more than the debt and with a high likely hood the person would be out at work, etc.

 

Ignore RLP but it would be helpful if you re-dact, scan and post up any letters received.

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Scotcall are the lowest of the low. They only deal in unenforceable debts that no other company will touch.

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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In all my years I have never known a DCA to call at someones house, it just imply wouldn't be worth the expense, travel, petrol, wages, etc..all would possibly add up to more than the debt and with a high likely hood the person would be out at work, etc.

 

Ignore RLP but it would be helpful if you re-dact, scan and post up any letters received.

 

I've had 2 come to my house. i just told them where to go and after a few random calls, ive heard nothing since.

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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I'm really worried about them coming as my mum doesn't know the whole story. If they were to send someone when do think that would be (after 2weeks of no reply). I live in London do you think they'll come all the way here

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It is highly unlikely that anyone will show up. As mentioned, Scotcall are one of the bottom feeders of the DCA world.

 

Now unless they have self employed agents around the country (never heard of any) then no-one will show. having checked on the OFT credit register, Scotcall do not have a licence to act outside of their offices.

 

This is just not worth their while visiting.

 

IF you want to be sure, there is a letter in the library to stop them calling at your home.

 

Try not to stress.

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Scotcall do employ doorsteppers, but not everywhere. I understand they are employed by Scotcall, but are commission driven. Easily seen off by telling them to leave.

 

The reference in a consumer credit licence to 'canvassing off premises' relates only to offering credit; it has no meaning where DCAs are concerned.

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Even if DCAs do turn up they are just mere mortals like you and I and can only ask you for the alleged amount nothing more, they have no powers and I'm really surprised they even exist in this day and age, no doubt it is because some people confuse them with court appointed bailiffs.

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The reference in a consumer credit licence to 'canvassing off premises' relates only to offering credit; it has no meaning where DCAs are concerned.

 

 

As they say, "Every day is a school day."

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I'm really worried about them coming as my mum doesn't know the whole story. If they were to send someone when do think that would be (after 2weeks of no reply). I live in London do you think they'll come all the way here

 

In the unlikely event that they did call, if they divulge any information to anyone else then they would be landing themselves in some very hot water. I think that even identifying themselves as a debt collector to someone else would be letting them know that you had debts (even imaginary ones as in this case)

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In the unlikely event that they did call, if they divulge any information to anyone else then they would be landing themselves in some very hot water. I think that even identifying themselves as a debt collector to someone else would be letting them know that you had debts (even imaginary ones as in this case)

 

Yes there are laws or at least strong guidance about this.

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I strongly doubt anyone would be foolish enough to turn up unsolicited at your door, if they did you can simply laugh at them and tell them to sod off.

This is RLP and is unenforceable, the woman who runs it is very well known on here, you have nothing to fear.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Scotcall can turn up if you live in the area of their offices.

 

But they usually shuffle off if you tell them where to go.

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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Panda, don't you think it might be time to fully 'fess up' to your mum? Yes she will be angry and disappointed but then at least you can direct her to this thread and show her what is what. It is difficult for anyone to go through stress without having anyone to talk to.

 

You are a teenager. We all did dumb stuff at that age (except me of course. I'm perfect :roll: )

 

Also if anyone did turn up, you can tell them to 'do one' with your mum's support. :lol:

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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What muppets. They can't do anything to you AFTER you are 18. They never could.

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Unfortunately that image is too small. Can you convert it to pdf format. I have no idea how (I'm old)

 

Scotcall can be seen off very easily. Threaten to report them to the OFT (Office of Fair Trading) as they are chasing a debt that doesn't exist

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Sorry I don't know how to do that on my phone, but it says "please also note that our client wishes to use civil recovery as a deterrent against further incidents and therefore reserves it's rights to pursue this matter"

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