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Dear Will and John...ha ha brilliant...will take a look now
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No need for recorded, just get a free Certificate of Posting from the post office. Do a search for "snotty letter" or even easier "Dear Will and John" (these being the owners of Gladstones), adapt one to suit your own circumstances, and post a draft up.
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Not been in here for years as thought I'd sorted everything. Took out a Barclaycard in the 90's, went into a dmp in 2003. I would have cca'd BC at that time but can't remember if they sent anything enforceable back. I have been paying a small amount to BC every month ever since. Moved house in 2010. Happened to be passed a letter from link asset sent to my old address, first one I've seen. Saying they have been assigned it in 2015 and the full balance is now due as I haven't made minimum payments. If I don't they they start court proceedings and put a default on my credit file. I rang BC and they confirmed the account was sold to link asset in Feb 2015. They said that since the sale date they have been refunding me the token payments and not passing them on. There is no record on my bank account of any refunds. They told me the outstanding balance when sold. If I add up the token amounts paid since 2015 and knock that off what the balance was when sold then I get a very similar amount to what link are demanding. BC never defaulted this account but should have in 2003. It doesn't appear on any CRA report currently. It is now getting close to the 6 year limit which makes me think that BC haven't been passing on the payments. Do BC pass on these payments as a rule? Should I cca link in the hope of stalling it until the 6 years is reached.
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Thanks for the update ..so send fob off letter recorded back to Gladstones?
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paid the 1st ticket at discounted rate (which still hurt) and now moved on... Thanks for the help everyone x
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Our picks
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Post in Bailiffs in at BBC obtain 7 years interest on overpayment of TV licence
Its WAR posted a post in a topic,
I sent in the bailiffs to the BBC. They collected £350. It made me smile. -
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Post in Court Claim Against Hermes - item sent via Packlink was lost/tampered with **WON at mediation full amount **
jj58 posted a post in a topic,
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!
Picked By
BankFodder, -
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***Hermes and mediation hints ***
BankFodder posted a topic in Postal and Delivery Services,
Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003-
- 1 reply
Picked By
BankFodder, -
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Natwest Bank Transfer Fraud Call HMRC Please help
waz70 posted a topic in NatWest Bank,
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
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waz70, -
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Sacked because my girlfriend has cancer and I took time off to attend appointments with her
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