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    • I'm looking over it now and will do it this weekend.   The parts asking for phone number and mail, I dont specifically want to give those out as they're for family use only.. Can I forgo those?
    • Can talktalk pass on a debt that was in dispute?   Is there a template I can send back? They shoulve have ALL the information anyway seeing as they took the debt over.   Not only that, I didnt get notified by talktalk that a debt was being passed on.
    • follow post 4 here:   The Pre-Action Protocol for Debt Claims is made by the Master of the Rolls as Head of Civil Justice. 1st Oct 2017 - Legal - Consumer Action Group
    • if you read the letter carefully you'll see its nothing to do with talk talk anymore the debt has been sold to JCI who are the stated client on the BW letter   you must reply within 30 days.    
    • Thanks for your reply . The only contact i have had with Goskippy is when i first reported the accident. They took the details of the accident then said ' thanks for letting us know'. They have never contacted me afterwards. I did however contact goskippy a few weeks ago as i felt AX were messing me about. And go skippy told me its nothing to do with them as AX is dealing with it.   Secondly, yes that's right. When they first contacted me asking if i want a hire car, obviously my first question was ' how much is that going to cost me?' Her exact words were, nothing because your insurance covers it. ( the reason why i agreed to the hire car) . Now, their words are ' we are pushing for admiral to pay for the hire car but if we are unsuccessful then we will wipe the cost off and you will not be liable , considering you stick to your hire car agreement and you work with us on your claim' .   I had to sign documents before they delivered the hire car but she explained over the phone the documents were just for me to sign that i would agree to be liable for any damage i did to the car, had to give the car back with a full tank of fuel, i would agree to pay for it valeting if i left the inside a mess ect) obviously i did not mind agreeing to these conditions as of course its my responsibility if i damaged the car or leave the inside a mess ( which i wouldn't anyway) . stupidly i believed what she said and did not read through all the documents before signing them 
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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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NRAM/Marlin, unsecured loan


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Wow, it's a long time since I've been here, but now I must post, as I need some advice please.

 

I'll try to be brief.

 

Some years ago, OH and I went down the SAR route for a copy of an agreement on a northern rock loan.

 

As far as I recall, the agreement was deemed 'unenforceable' as there was no cancellation clause within the body of the agreement,

and the loan was arranged by internet/phone.

 

Major change of personal circumstances, resulted in payments of £10 per month being made,

rather than get into yet another 'agreement is unenforceable row' with NR.

 

Marlin have now purchased the debt, so the SAR was re-started with them.

Of course, the same agreement has been received without any cancellation clause.

 

I'm now obviously looking for the best way forward.

 

When Northern Rock became NRAM, there was a point when a full and final offer was made to them,

after an offer of financial help from a family member,

which they declined (not sure if that's relevant).

 

Ill health and unemployment means it is unlikely that our financial situation will improve (unless a lottery win happens).

 

I'm very out of touch with what's happened over the years, test cases, etc.

and would be very grateful if someone could point me in the right direction of what to do now, please.

 

Many thanks

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I take you mean CCA

 

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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I take you mean CCA

 

dx

 

I guess so. Went through some of the other threads and picked up that an 'unenforceable' test case failed, as well as the moral issues (which we've always been aware of).

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