Jump to content



  • Tweets

  • Posts

    • These vaccinations are going to be regular, I believe about every 6 months.  This is going to require local vaccination centres for years until they have a vaccine that provides longer protection.   Most GP surgeries are not going to be able to continually provide this vaccination service and provide all other services. They might help out during lockdown as a one off, but to continue having a constant flow of people for vaccination is not going to be possible.  My local GP surgeries are over subscribed, with it taking 3 weeks to get an appointment, so they are not taking part in this. Luckily we have a privately run NHS minor injuries unit with more room and they have been vaccinating patients.    
    • British households could be set to save less money than they did before the pandemic over the next five years as the country embarks on a £45billion spending spree, it has been forecast. View the full article
    • Just for info   Family member had oxford A/Z jab and had 40 degree temperature for 24 hours or so the day after Seems to be OK now and lateral flow showed negative for what thats worth
    • Start off by listing the DCA's and the amounts please
    • I understand that you may have suffered an injury and that you have memory problems. Obviously is not a good situation. However, you have to engage with this thread closely if you want to make headway. It is difficult for us to take an interest and then find that there is no contact for two months and then we have to start again refreshing our memories and being enthusiastic about supporting you. If your lack of contact is because of a memory problem then I think that you probably should make a note on a Post-it or something and put it in a prominent place so that you can remember to get back to us. It is very important for you – because you can be certain that the one people won't forget are Vodafone and eventually their debt collectors who will start to put pressure on you and start to make your life very uncomfortable indeed. I see that back in January I advise you to send Vodafone an SAR. Have you done this? It is an essential step. Also, as a matter of interest are you still with Vodafone? I'm afraid Vodafone are a very troublesome company. They are very inefficient – the only thing they seem to be really good about is about debt collection. There are extremely poor at dealing with problems when things go wrong. The one company we haven't had any complaints about so far is GifFGaff and they offer month by month no contract Sim cards. In effect they sent Sim cards out like confetti and no contract is ever started until the Sim card is actually activated in a telephone. This means that there can be no mistake and no commitment until you have actually made the choice to open your phone, put the card in and then to switch on the service. Even then, you are only bound for a month and then another month and then another month and another month – but you choose. As I say, we've had no complaints here. Have you sent Vodafone the SAR?
  • Our picks

    • 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.
        • Haha
        • Like
    • 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
  • Recommended Topics

Please note that this topic has not had any new posts for the last 2253 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

  • Replies 75
  • Created
  • Last Reply

Top Posters In This Topic

ccj - civil case - jan 2014 - £8 k nearly

applied for redetrimintion hearing - attended march & June

told Judge I could sell an old caravan and some other items - table & chairs and jewellery

 

 

managed to pay off £5,000 since April - offered £20 a month for balance -

claimant solicitor's not happy with £20 a month threatening me with HCEO - and charging order

I have exhausted all avenues to sell stuff and pay off a large amount £2 k was borrowed off my mum who a pensioner

 

 

my car Is on finance and is my only way of getting to and from university 56 miles round trip.

Link to post
Share on other sites

5 threads on same issue merged for clarity of history

and passed advise.

 

 

please keep to one thread

 

 

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... 

Link to post
Share on other sites
hi

 

 

I have read some threads but I saw something about new law came into effect 6th April - my car is on finance and I use it to drive to Universty ( 56 mile return trip daily) so its to my place of study. Is it true that my car cant be touched or clamped.

 

The answer is not quite as simple as I wish it was.

 

The new regulations have actually provided significant protection for students given that they have provided that goods (including vehicles) are exempt from seizure if used by the debtor ONLY in the course of employment or 'education' (which must include necessary to get too and from university.

 

The second part of the question is not quite so simple. If a vehicle is subject to finance then it is not automatically considered exempt (although in a lot of cases it will be). One of the deciding factors will be the what 'equity' there is in the vehicle. For example, a vehicle could be purchased for £15,000 but subject to just £5,000 of finance ( leaving 'equity' of approx £10,000.

 

Another 'deciding' factor will be the 'type' of finance.

Link to post
Share on other sites

The likelihood is that the car will not be exempt from being taken into control because of its use but will be exempt as ownership is likely to be with the finance company.

 

What kind of finance did you take out (e.g. Hire Purchase) what was the term/price, how much have you paid and what is the value of the car?

Link to post
Share on other sites
  • 2 weeks later...

Just had a county court official on doorstep who given me a order to attend court for questioning.

I am already paying this debt at £50 a month and I am a full time single parent student - one of the questions I am been asked is

 

 

how did I pay for my Daughter christening last month and can I produce receipts?

 

 

My mother actually paid for most of it and I sold some of my Daughters clothing and equipment to pay towards cake and other expenses.

 

 

Is this not an infringement of my rights.

 

 

This beggars belief.

Link to post
Share on other sites

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

old and new threads merged for history of advise

 

 

please keep to one thread

 

 

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... 

Link to post
Share on other sites

I am sick to death of all this

 

 

already produced income and outgoings when I attended court in June.

 

 

When does all this crap stop.

 

 

Am I not allowed to private family life

 

 

- what will happen with birthdays and Christmas ???

 

 

will I be asked to attend court and produce evidence as to how I afforded toys for my baby.

Link to post
Share on other sites

family member - I have a ccj for £7 k ( Jan 2014) - paid off 4k off it - this family member clearly thinks I have money I am single parent on benefits and now a full time student.

 

 

In September I was called to DWP ( compliance interview) to be informed an email was sent saying I had assets and 30k of savings- I was shown the email and quite clearly it was sent by thus family member - it mentioned court hearing.

 

 

Next thing I get calls from reporters ( she sold her story to magazines and Mirror) I put phone down and say no comment.

 

 

Last night at 9 pm a court official I believe - calls and hands me N39 - to attend court to ask how I paid for My Daughter christening last month. This is surely a breach of my human rights and was a religion occasion attended by close family with carvery afterwards.

 

 

I am now thinking Birthdays and Christmas for My Daughter will be called to court all the time and I am questioned over this.

 

 

I have paid a considerable amount of this debt and paying a fixed monthly amount which is more than court suggested.

 

 

 

 

What can I do????

Link to post
Share on other sites
family member - I have a ccj for £7 k ( Jan 2014) - paid off 4k off it - this family member clearly thinks I have money I am single parent on benefits and now a full time student.

 

 

In September I was called to DWP ( compliance interview) to be informed an email was sent saying I had assets and 30k of savings- I was shown the email and quite clearly it was sent by thus family member - it mentioned court hearing.

 

 

Next thing I get calls from reporters ( she sold her story to magazines and Mirror) I put phone down and say no comment.

 

 

Last night at 9 pm a court official I believe - calls and hands me N39 - to attend court to ask how I paid for My Daughter christening last month. This is surely a breach of my human rights and was a religion occasion attended by close family with carvery afterwards.

 

 

I am now thinking Birthdays and Christmas for My Daughter will be called to court all the time and I am questioned over this.

 

 

I have paid a considerable amount of this debt and paying a fixed monthly amount which is more than court suggested.

 

 

 

 

What can I do????

 

 

Hi, has the DWP accepted that you have no such savings?

 

 

What is "the story" being told by the family member?

 

 

If the "story" untrue and therefore libellous, you have cause of action in regard to the family member and the publisher (s) of the "story".

 

 

You will need qualified legal advice to proceed with this I think.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Threads merged (yet again) ...please do not start new threads on the same matter.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites
  • 2 months later...

I have an hearing on Jan 29th - was charged a further fee of £50 for this application -

I have now managed to obtain funds - family and selling stuff on ebay to be in position to repay the outstanding balance of £760.

 

 

My question is - can this hearing be then cancelled ?

will the other party try and claim more costs on top ? -

 

 

This debt was nearly £8,000 and in a year I have sold goods, belongings, jewellery and £2,000 from my Mum and also used some of my student finance hardship fund and sold my touring caravan to pay - yet still I have been hounded dispite the court only ordering me to pay £20 a month.

Link to post
Share on other sites

Did you ever fill the form in so you only had to pay what you could afford? And the creditor would be forced to accept?

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

Link to post
Share on other sites

yes did all that but they're still wanting proof and

 

 

I suspect as the debt at that time was over 3k

 

 

- I think they were trying to put a charge on my house but cant do that now as debt is under 1k.

Link to post
Share on other sites

If you had filled the form in you could have given an income and expenditure form in.

 

Anyway. Order for questioning is the same thing. To assess your circumstances and find out a repayment. You have to attend otherwise it gets much worse.

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

Most Order to attends have a penal notice attached which means you can be sent to prison for not attending(one of the only ways you can now be sent to prison for refusing to deal with a civil debt).

 

The paperwork and hearing has been issued so the charge has been incurred by the creditor and added by the court to the debt as part if the ota.

If you have full payment, you should be making to direct to the client and at the same time making sure they give you proof that the account is settled. They should then contact the courts to remove the hearing. I would advise that you then chase the court to confirm the hearing has been cancelled.

If they don't confirm it, I would attend anyway just on the off chance something has gone wrong. Hassle I know, but less hassle than the alternative if it has gone wrong.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...