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    • I notice that you haven't addressed my question as to whether sweatband.com have actually refused to take any responsibility for this now.
    • Thanks! I've had several successes in the past 4 years or so which stemmed from a financially difficult part of my life around 2011/13. Basically I was financially trapped with Quick Quid, in a cycle of increased borrowing, during this I'd opened three catalogue accounts: Studio, JD Williams and Simply Be , 2 credit cards (Aqua and Barclays) and was juggling finances. In that time I had got 2 CCJs plus 2 defaults so things were pretty tight. I was using most of my available credit until things eventually became unsustainable. When I moved house I used the deposit to pay off Quick Quid and got into arrangements to repay the catalogues. The credit card limit was still rising until 2017 when I borrowed the balance of nearly £6000 from a family member and cleared the Aqua card. The Barclaycard had already defaulted. In 2017 I began action for irresponsible lending against Quick Quid. Basically they could not show the criteria they used to make lending decisions  and kept lending to me so I won the case. I was refunded all interest and fees  and charges plus 8% pa. When it was upheld it gave me the confidence to challenge JDW and SB. These were also upheld and they had to repay interest, fees and charges plus 8% from the second credit limit increase which amounted to about £1200 each. I challenged Aqua where my redress covering 6 years fees, interest and charges accrued to nearly £9000.  Barclaycard was not upheld but the default was moved back to an earlier date meaning it expires sooner.  All my IRL cases succeeded because none of these companies could prove that they had diligently checked my financial history. My credit report clearly showed that I was using a high or at limit proportion of available credit and that I'd accrued two unconnected CCJ's and 2 defaults throughout the lives of these accounts. Whether they should have given me the accounts in the first place was also brought into question but it was the sustained but gradual increase of CL's time and time again without proper checks. JDW were unable or unwilling to show the ombudsman what criteria they used. It only appeared that because I paid on time they continued to offer increases where in reality I was actually juggling finances like a fine balancing act.  It would appear that the FOS are looking at catalogue debt as I know when my cases against JDW and SB were being investigated they mentioned this.  My case against Studio should conclude soon. I was curious as to why now Cabot are trying to cut their losses by offering such a hefty discount. I can only summise that Studio are trying to buy back the debt for less.  
    • They have made an offer  Remind them in no uncertain terms that under CONC they are responsible for the conduct of their agents , (research and quote this) and negotiate a payment plan of their offer As dx says we really need all the details to understand the full picture 
    • Ben Gulliver saw a chance to make money, selling items people struggled to get during the pandemic. View the full article
    • The New York Stock Exchange has already changed its mind several times about delisting the companies. View the full article
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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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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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