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    • See what others think but I'm not sure now is the time for a 'strongly worded' letter.   Unclebulgaria knows a lot about insurance and he's suggested sending Aviva a DSAR to see what information they have on you. DSARs can be very revealing when the information arrives and Aviva could drop themselves in it, you never know. In any case, you'll be proceeding on the basis that you have facts from them.   A DSAR is free and they have 30 days to reply.   HB
    • Possibly the best way is to expect the unexpected, given the history.   Did the £4k hit your bank account?   HB
    • This is what I said to Aviva when I first started getting default notices why the refund wasn't challenged with the bank insurance was given and they had scope to believe this was a fraudulent transaction as I had told them prior to the refunds that it was but they happily reversed the money    They claimed the bank had more power and this couldn't be challenged I disagreed with this    I asked them if they could ask him to provide proof of alternative insurance cover for that period as I had proof myself that I had insurance cover in place .   I have no idea which cars we're insured any registration numbers i wouldn't even be able to confirm any of the car registrations they insured during that period other than the last car as my brother gave me the registration number    He has admitted to reversing the transactionsto extended family members and wouldn't pay the money back to aviva but was happy to give the 3k to a 3rd party ie family member in cash for me to pay it back so nothing came back on him he refused to email ring or converse with aviva to pay back    Now hes gone back on that too so I'm left to pay as per ombudsmans decision im left with the liability    I provided all crime numbers action fraud details cifas registration dvla letters other insurance letters to prove that hes continued to use my details without my permission also showed them I have no financial connection to him    Is there anyway anyone can draft me a letter in this group based on the info that you all know that could be strongly worded for me to have the premiums written off please im just so scared and clueless as to how I can tackle this and I'm scared Aviva will take me to court    I'm out of work I can't afford to pay this amount and they've clearly set up a policy by taking his word for it without speaking to me at any point through the duration of the policy for 3yrs  
    • I think that if you try to sue for the whole value of your vehicle – then £450 may well be money down the drain. I got carried away by my rant. I need to look them up in my book, so will do it this evening.
    • Netflix said the pandemic disrupted its production pipeline and has forecast fewer new subscribers. View the full article
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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
      • 32 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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Help! Trying to agree plan with QQ Flexcredit


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Hi Guys,

 

Foolishly I have a flexcredit account with QQ, after running into difficulties, I rang them to setup a plan with a DD thinking it was to clear the balance.

 

They took two DDs one for 40.14 and one for 1.89 and then much to my surprise started chasing me for past due payments again.

 

After many arguments with the collections team I finally complained only to receive this reply.

 

--

This email is to confirm that your complaint has been received

We apologise for any inconvenience this misunderstanding may have caused. If you have any additional concerns, please contact UK Final Resolution Team directly.

 

The collection department scheduled a repayment plan exclusively for the amount that was past due portion of your loan, as of 16/07/2014.

 

The collection team has no ability to modify or alter your contract. In addition to the collection payments that you authorised, the ongoing contractual payments are still coming due as scheduled.

 

If you are looking for an exact fixed payment, this maybe accomplished. An application will be sent upon your request.

You should be advised that such a modification of contract constitutes a default of the existing contract, and would be reported as such to credit reporting agencies.

 

Please follow up with us regarding how you wish to proceed.

 

 

Sincerely,

 

Robert Elston

--

 

It would appear they want the payment plan + the additional contractual payments as they become due.

 

Is it also correct that can they just default my credit file when I am trying to arrange a repayment schedule with them?

 

I'm really struggling with all this,

 

Cheers

 

WS

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Tell them you want to terminate the agreement and then demand that the current repayment plan is instated for the entire amount owed. QQ are up to their usual tricks. They can default your credit file, but they must issue a default notice that gives you a statutory timeframe and provides a reason and date to repay the arrears. They cant default it immediately upon terimination of the account or upon non payment. They can add markers to your file saying you were late, or you missed payments, but they have to give you the opportunity to rectify first before issuing a default.

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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

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Tell them you want to terminate the agreement and then demand that the current repayment plan is instated for the entire amount owed. QQ are up to their usual tricks. They can default your credit file, but they must issue a default notice that gives you a statutory timeframe and provides a reason and date to repay the arrears. They cant default it immediately upon terimination of the account or upon non payment. They can add markers to your file saying you were late, or you missed payments, but they have to give you the opportunity to rectify first before issuing a default.

 

Thanks alot,

 

Any idea on where I would start with this email/letter wise? I really can't afford a default notice to be added to my account..

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Just write a full letter of complaint. QQ cant do much really. They are based in America and have to employ silly DCA's who can be told to get lost, or sell it on. Normally they just do the latter.

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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