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    • Thanks for your advice. They didn't really reduce her bill when putting her on the rolling contract. She's emailed BT to complain as well about £800 fee. She will have to check where she stands with her mobile contract given she is still paying each month as she still needs to have a mobile phone for emergencies. A lesson on how careful you have to be when changing providers
    • forget CAB you might as well phone bt back as thats about as useless as they'll be.   you can't have a rolling 24mts contract', bt rolling contracts are month to month only, thats an industrywide accepted definition of what rolling means.   what happened here is she earlier changed her 'package' removing skt to reduce costs. as with all providers that invoked = means she entered into a new 24mts contract.   she latterly phone to cancel that contract, and thus bt charged her the cancellation fee/loss of revenue over the raining months of the contract.   the fact that she owes them 'this money' but didn't pay it, then entitled them sadly to cancel the mobile contract, which sadly again they allowed to do.   rock and a hard place if she wants to keep the same mobile number.   Or as long as her phone is not imie blocked by bt (in otherwords she purchased from BT under the mobile contract) but simply locked to BT (which is easily gotten around for a small fee at many shops/market stalls or if someone is tech savvy follow the guides on youtube to unlock the phone for an even smaller fee. and wack a new sim in it.   as for the £800 bill simply ignore them. they'll sell the debt on  and if anyone like Lowells or anyother powerless DCA debt buyer wants to do court, it's easily defended we've not lost one case like that here.        
    • The 1st 2 calls were the normal scam calls. get a truecall box   the PDC stuff you ignore their letter States our client three whom if you wanted too you deal with directly.   Until/unless whenever it gets sold on too and they eventually send a letter of claim you maintain radio silence    
    • hi all. bit of advice please. I had a Three contract up until November last year. At £11pcm for 24mths. Paid every month on time via their online portal. When I ported over, I received a letter from Three thanking me for being a customer blah blah blah.. It also said IF I owed anything a final bill will be sent. No final bill ever received - I get a phone call around the first week in December form an Indian sounding man who was extremly difficult to understand. Said he was calling from Three, and wanted me to confirm my details - something of which I didnt as something didnt sit right. He said I could log into my account and review my bill as I owed money and then hung up. After the call I thought I'd best log into my account just in case.  Couldnt log in. Account access denied. Logged on to chat - they said as I ported over and I was no longer a customer my access was suspended. Couple of weeks later I had another call from a local area number and answered again it was some Indian guy telling me I owed money, wanting me to confirm details. I refused and he said details will be sent out to me to my email on account and my home address as it was important. Once again nothing.. 15th Dec I received an email from PastDue in my name RE Three. Email stated they were contacting me about Three an I should receive a letter soon regards to this matter. Says about visiting their website.  22nd Jan another email form Pastdue. Stating they have yet to receive a response to the letter, and they had already sent me an email about this. We will continue to contact you until this matter is resolved. Again asks me to login. 23rd Jan letter received dated 13th Jan. Titled "We are here to help keep your Three Services"  Claiming I owed "Airetime Balance £201.43" and contract period was 26/11/2019 to 25/11/2020 States "We have been appointed by Three to recover the amount of £201.43. If you pay this amount in full Three may be able to waive the cancellation fee and reconnect their service for you" - what cancellation fee / re connection??? I ended the contract giving the 30days notice and paying the last bill.. Then the normal crap about its important to pay. If I'm experiencing difficulties etc. Now both December and  January Credit reports from ClearScore, Credit Karma, Credit Expert, Totally Money and Equifax all show Three as Closed and balance as Zero. (Date Satisfied /closed 17th Nov, bal 0, last updated 30th Nov) I've had nothing from Three. As far as I'm concerned I owe nothing as no final bill and no access to the portal. Should I email PastDue and do a prove it & attach proof of Credit Reports being £0 or do I do something else?  
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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
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    • 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
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Sorry, why was the text in my previous post edited so as to include lots of line, whereas before it was in the paragraph form that I wanted it to be?

 

No idea at them moment. What I can say from my own experience, I find it very difficult to read a whole block of text and I do edit some posts to make it easier for me to read and to possibly help others to read it too. this is not a slur against you but to help the wider forum users.

 

Apologies if you feel that was unwarranted.

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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Yes..we sometimes edit huge blocks of texts as 1) They are difficult to read and 2) It puts people off reading them and they are likely to skip it.

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I just reread it last night and didn't recognise it as something I just wrote, I thought someone had hacked into my account or there was an error or something as it was edited so much it looked liked poetry or song lyrics or something!

 

Maybe I could have paragraphed it a bit more, but the way it was restructured was waay over top. I'll be more careful to structure my posts better, but I'd rather people didn't edit them for me if it's all the same:-)

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Maybe I could have paragraphed it a bit more, but the way it was restructured was waay over top. I'll be more careful to structure my posts better, but I'd rather people didn't edit them for me if it's all the samesmile.gif

 

Your choice, but you will get more advice if you make your posts easier to read for the advisers.

 

HB

Illegitimi non carborundum

 

 

 

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  • 4 months later...

It's been pased down to a debt collector who just sent me a letter. (BPO)

 

They stated that 'the outstanding liability..... we understand is not disputed'.

 

Of course they understand wrong, and the probably know this. Do I have to print off another letter and send it? Or just ignore them?

 

I'm curently in favour of the latter.

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It's been pased down to a debt collector who just sent me a letter. (BPO)

 

They stated that 'the outstanding liability..... we understand is not disputed'.

 

Of course they understand wrong, and the probably know this. Do I have to print off another letter and send it? Or just ignore them?

 

I'm curently in favour of the latter.

 

 

No liability or debt is acknowledged to you or your clients

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Ignore totally. Or send a simple letter. If they ignore the letter report them. If theg continue to contact you consider legal action.

 

Jackie only uses low end dcas who operate a no win no fee policy. Thats how desperate her company is.

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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No liability to anyone as no debt exists and has never had done

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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Can I say those exacts words to the two gorillas who turn up at my door and then shut the door in their faces?

 

I was just thinking about pretending I don't live here. They are still spelling my name wrong as well.

Edited by beerpunk
oops I said on not in, typo gives the sentence a whole new interp
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Nobody will turn up. If they do, simply tell them to sod off and walk away. You dont even have to answer the door. They have no rights at all. If they refuse to leave, call the local police.

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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RLP do exist. The DCA's they use exist as well, but they only deal in 100% unenforceable debts/invoices that NOBODY else would even go near.

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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  • 1 year later...

Thought this had gone away forever. Last letter I received was about a year ago?

 

Anyway just recieved a payment demand letter from Capital Resolve. Has anyone else had this?

 

I noticed a different security company is now operating in Tesco as well, can't remember what they are called though.

 

I did a search for Capital Resolve on here and I can see they are DCA who specialise in pay day loans and take on debts that they know pretty much they don't have a leg to stand on with so I'm guessing they're trying it on.

 

I shall ignore.

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Hi

It has been a while hasn't it. I would think RLP are going over some old cases and trying it on again by getting a pet debt collector to chase.

 

Ignore? Yes!

 

Can you post up a redacted copy of the letter. I would like to add it to my 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

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I'll get that posted up soon.

 

 

The funny thing is I was in there the other day with a printer I just bought from PC World and it set the alarm off on the way out, I showed security the receipt and everything was fine. But then this?

 

 

Anyway, as you quite rightly state of the legalities... face, bovvered and that.

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  • 4 weeks later...

Sorry busy and that. Too much. I got a new printer scanner and I'm having difficulty getting it to scan. So here's a redacted photo version.

 

In between days they sent me another letter bargaining for half the original demand. I laughed and then went and made a cup of tea.

cap res letters.pdf

Edited by dx100uk
letters converted to pdf - dx
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When you scan it, can you please convert it to a pdf. This allows us to zoom in and see the letters better.

 

From what I have read in those letters, I come to the only conclusion I can and of course any comment by me is my own and not official advice :-D

 

Carry on ignoring. They can recommend any potential action they choose but cannot insist on it. This is a no win no fee type of letter so it is in their interest to get a reaction from you.

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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RLP on behalf of..... NO, RLP on behalf of themselves

 

 

These latest missives carry even less weight than the usual RLP twaddle.

 

As for setting off alarms in PCWorld,

I bought some printer ink yesterday and the RFID chip in the ink cartridge packaging set off the alarm as I was leaving.

 

 

It set off another alarm in Sainsburys and a further one in DFS.

 

 

I think I will carry the piece of cardboard around with me to play a chaper version of that new Pokemon game as I wont need a smartphone to enjoy it.

 

 

Your visit to that store has nothing to do with the letters, just a coincidence

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letters done in above post - 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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Very amusing. So many ifs and maybes and possibilities it's farcical.

 

If it were me if phone them up just to wind them up. Utter fools but great entertainment.

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You notice how little menace there is in that letter. All polite, no nasty 'what will happen if you don't pay'. basically a foolish attempt to prize you from your cash.

 

I do like andydd's idea but no! This just encourages them however if you did ring them.. record their drivel. Ask them what they can actually do apart from sending the oh so nice letters and see what rubbish they come back with. :wink:

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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