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    • Dear New Tenant   L C S !st Floor West Wing Town Center House The MerrionCentre Woodhouse Lane Leeds LS2 8LY   02/03/2021   Our Case Ref xxxx Re Our Client E.On   Outstanding balance: £37.xx   FINAL NOTICE   We have been instructed to act on behalf of the above named client to recover the sum of the outstanding of £37.xx for dual fuel consumed at X Whatever Road, Sometown , Anyplace. Despite our previous communications and offer of help we have not received payment or valid reason for non payment for the outstanding balance.   Until you have cleared the outstanding balance, your details may continue to be shared with a credit reference agency.  Other lenders may see information about the way you pay our client and the amount you owe them which could affect your ability to obtain future credit.   In order to prevent any further action and potential inconvenience, we would urge you to pay the full sum immediately or alternatively contact our office on 03445439130 quoting Ref xxxx to discuss your options. Alternatively please email us at [email protected] quoting your reference.   Yours sincerely   Rebecca Carter For and on behalf of LCS   I suspect this is the kind of letter they send when they know they are stuffed?    
    • I’ve been getting debit collection letters from a number of diffrent companies but I don’t recognise any of them. So I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help. It just lists the debit collection company and the amounts they say I owe them. The amounts are staggering. now I was caught out once before by a debit collection agency saying I owed money but not who to and I just paid it. It wasn’t till after this that I found out that some agencies just send letters demanding payment for a nonexistent debit. On my credit report it says I owe money to the debit collection agent but there are no records of any original debit. no unpaid loans or credit cards.  so what do I do? I had a serious brain injury so I have memory problems and some untreatable mental illness. Thanks for taking the time to read this.
    • Hi, I’m sorry I haven’t replied sooner and that I wasn’t clearer. The situation is this.  I had a pay as you go sim and wanted to change to a VOXI pay monthly account. the guy on the phone said I’d need a new sim that would be a standard pay monthly sim. He told me that once I got the sim then I could call and have it put on a VOXI account. So. I agreed but at some point in the,long conversation after he ordered the new sim he said that infact I didn’t need a new sim and could just change my pay as you go sim into a VOXI sim. so he did that. I assumed that that was the end of the matter. I had done what I set out to do. And didn’t think about the ‘new’ sim because it was not needed. I assumed he had canceled it because it was not needed. then in January I get a letter saying I was behind on my phone bill. so I called them and that’s when I found out the ‘new’ sim had been ordered but never arrived .
    • Demand for uniforms, computers and household accessories rose after plans to ease lockdown were published. View the full article
    • Hi    Thank you for answering my questions.   As you have not contacted Goskippy about AX stating they were acting on there behalf you need to contact Goskippy urgently and ask them to verify that AX are acting on there behalf. (you need to know if what AX stated is correct)
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 27 replies
    • 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
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I am not sure if I am in the correct forum for this. I have not come on here to be criticised. I am in a big mess.

 

I missed last months mortgage and secured loan due to my gambling addiction. And again this month I have spent half of the payments and dont have enough money for the payments.

I am in a massive mess, I have no family to borrow the money from, and too embarrassed to ask my friends.

I am already in arrears with my mortgages.

I can afford to make the payments for my mortgage, but I have the addiction. Started of with £20 then kept chasing my money.

 

Is there any help I can receive from my mortgage company or should I approach the council for help :???:

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Hi and welcome to CAG. We do not judge.

 

Admitting you have a problem is only the first step. getting the help is what you need most.

 

Swallow your pride and go and see your doctor. It may be that you are depressed and do not realise it and the rush of the win gives you the euphoria you are craving. Counselling or Cognitive Behavioral Therapy can be most useful. Even a short course of happy pills may help.

 

Gamblers anonymous are the obvious contact and I recommend them highly

 

As to your other issues, the council may help (but not guaranteed) if you lose your home.

 

Write to your lender and explain why the mortgage has not been paid and offer the monthly amount plus an amount each month to cover the arrears.

The roof over your head is the most important thing.

 

Any Unsecured debts are low priority and can be treated as such.

 

If you have loans or credit cards, write to them as well and offer lower payments so you can bring your mortgage up to date.

 

The hardest thing for uou now is to desist from entering any gambling establishment.

 

Leave your money at home and only take out what you need, nothing else.

 

BTW, I am talking from experience as an ex gambler (slot machines)

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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Its online gambling that is the main culprit. Its just so easy. Im in tears here. I seriously cant cope.

 

I have had a few past personal problems from when I was younger. Being abused and losing my 1st husband to cancer (I was 21). Could this be my depression and I dont realise. I think I am happy in myself tho.

 

Will the Mortgage Company understand if I explain the situation I am in. I just dont want to lose my home. And to embarassed to tell my husband now.

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Its online gambling that is the main culprit. Its just so easy. Im in tears here. I seriously cant cope.

 

I have had a few past personal problems from when I was younger. Being abused and losing my 1st husband to cancer (I was 21). Could this be my depression and I dont realise. I think I am happy in myself tho.

 

Will the Mortgage Company understand if I explain the situation I am in. I just dont want to lose my home. And to embarassed to tell my husband now.

 

No guarantees what the mortgage company will say until you try. You could say temporary money issues instead.

 

I really hate to say this but, I feel you should tell your husband although I have no idea if he will be supportive or not. That has to be your decision.

 

I was happy in myself too but it was a facade and I bottled it up for ages and then I blew for no apparent reason. If you were to explain to your doctor your circumstances, they may see what you may not. (book a double appointment)

 

As for the internet, hard. If you are unable to keep off the sites and you are unable to talk to your husband, GA may be able to offer solutions

 

http://www.gamblersanonymous.org.uk/

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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While there are no dedicated template letters, have a look in the library and see whether any of the letters in the debt collecter library will help

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?405-Debt-Collection

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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First important step is to self exclude on all gambling websites you use.

 

You will then be prevented from betting.

 

Read this http://www.gambleaware.co.uk/confidential-support-and-advice/self-exclusion

CAG has helped me so much since I joined. Based on what I have learnt from others on here and my own experiences, I try to chip in and help others from time to time. I am not an expert and give my opinion only. Always check with the more experienced CAG members before making important decisions.

:-)

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