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    • CCA/CPR should have gone off 2 weeks ago!!    
    • Hi,  Sorry about the late reply its been very busy.  CCA and CPR are being typed up now ready to go out tomorrow.   I had her look at her credit file and she thinks she has found the correct one for Cabot with a date that matches the one on the claim but it has her current address not the one she was living in at that date.  No information on last payment or defaulted date.  Also, no account number on Cabots claim form either.   Honestly she has had multiple accounts with JD Williams various outlets over the last 20 years, at least 3 with Jacamo who keep lending to her despite her having no income.  She is trying to get herself out of that debt cycle, but she is disabled and easily led by others to do silly things.  
    • Deepfake, or AI-generated videos, are increasingly being used commercially. View the full article
    • hi please check the content of letter.  To Hermes Parcelnet Ltd, Capitol House, 1 Capitol Close, Morley LS27 0WH   Dear Sir I posted an item through (Pacelink)Hermes on 7 February 2021 with tracking number: 1732380759006010. The customer received the item but the package was tempered and content of package was missing. Please see the photos which customers sent, he found tissue papers inside the box but the graphics card worth of £780 was missing. Now because of your poor service my item worth of £780 was stolen by your staff member. I had to refund the customer with full amount of £780. In my view you should pay me £780 as soon as possible. Otherwise, I will be taking this matter to County Court as well as I will be claiming for all the damages with interest. You have 14 working day to give you response after you received my claim letter. If I did not get a satisfactory response you, I will take this matter to county court.   Regards my details with phone, email and address (do i need to mention my address?)
    • nothing....   other than insuring their client is informed by you of your correct and current address in writing.    
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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
      • 25 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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Intelligent Finance CCA response


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Hi All,

 

Had a response from IF to a CCA request on a credit card.

 

Quote:

"Further to our letter,

at the moment we are not able to provide a copy of the original signed agreement

but I have enclosed a copy of your original Terms and Conditions,

 

however we can confirm that our procedure has always been to obtain our customer's signature to an agreement

containing the prescribed terms before entering into a credit card agreement.

As such, we are confident the agreement remains enforceable.

 

By providing you with the documents attached to our previous letter,

we have satisfied our obligation to provide a copy of the executed agreement under Section 78.

 

However, even is an agreement is unenforceable,

the contract still has legal effect and is not void,

the lender is merely prevented from seeking an enforcement order from the court.

 

It has always been our process to ensure that an agreement complying with the CCA requirements

would have been signed by the customer before setting up a credit card account.

 

Should this proceed to court we will adduce evidence to confirm this..."

 

It goes on to warn about using the services of claims management companies etc....

 

They have attached a badly photocopied version of the Terms and Conditions.

 

I'm confused here - am I still in dispute with them until they turn up a copy of my signature? Should I start paying them again?

 

As always, any help much appreciated.

 

JJ

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nope std bowlarks

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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