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    • Analysis: Klarna breaks the billion dollar revenue barrier View the full article
    • No it's not on my credit file, never has been either 🤷‍♂️
    • Ok thank you. So, am I implying correctly that even though I am overseas, and able to have any correspondence to the UK address forwarded to me, there is still a chance that bankruptcy proceedings could be brought against me?   Selling the property isnt really an option.    Also I'm a bit confused. In reply ~12 the advice is to get the defaults and let them run their six year course, but if I make small payments wouldnt that keep the clock running?
    • Well, we have also been done by Yewtree Cars/James Harrison! We bought a Land Rover Discovery from him off a dealer site on 28th December 2020. He advertised it as 1 loving owner (true, I tracked him down on Facebook, really nice guy!) throughout the advert WOW full dealership service history, WOW new cambelt, WOW new MOT, WOW full valet including decontamination clean WOW, WOW, WOW!!! We paid £4500 for the car plus £280 for delivery from Solihull to Winchester. He sent 3 texts reminding us to ‘look after the delivery guy cuz he’s a top man’! Soon worked out that HE was the delivery guy! They dropped the car off and scarpered. It was dark when it arrived, initial thoughts were it was disgusting inside. I have never seen such a filthy interior. He even left his sweet wrapper inside. He drove the vehicle down to us (we thought that we were paying for a transporter). It was running on fumes, so we took it out to get fuel. Straight away noticed automatic gearbox slipping. Not a good start. Next day messaged dealer asking for the receipt, twice, he said that he was in Dubai (in his dreams!) for 2 weeks but would send it when he got back.  Before he delivered the car, he said that if we weren’t happy he would personally come and collect it. Sent him a message (I like to keep proof of conversations) to say that we certainly weren’t happy and wanted to return it. His reply was - SOLD AS SEEN, YOU GOT A CHEAP CAR! Thinking we would have to cut our loses, we had a new gearbox put in, only to find that the crankshaft had also gone and then the bottom part of the engine had to be replaced. Also the suspension at the front was leaking oil (mentioned as an advisory on the previous mot, which he said had been done). He forged an entry in the service book saying that it had just had a cambelt change (false Land Rover stamp), confirmed by previous owner and Land Rover. So, after 8 weeks of being at the garage and £7000 - YES £7000! later we certainly did get a cheap car from him. Are we going to let this go? NO! I have found out his real name and I am going to pursue him through the court until I get this money back. He is the worst kind of confidence trickster, a lier and a thief. We will have no hesitation in scouring Solihull for him, whatever it takes.
    • You want to avoid any CCJ's, by ensuring all UK creditors have your current address abroad.  Also as dx suggests, making small payments based on current affordability would be wise.   Keeping the accounts running with original creditors bu making minimal payments, will give you time to consider options.   If it were myself in this position, I would be thinking how quickly could I get the tenants to vacate the UK property and how quickly could it be sold.  This would enable me to at least retrieve some equity after repaying any secured loan and the equity would then enable me to plan the next steps in my life.  I am not advocating walking away from debts, but I would be thinking, that if I end up with CCJ's or worse Bankruptcy, then with additional costs being added, I would have no money left.  And worse, if I had  to sell the property quickly, it may sell at a reduced price and I could still owe a debt after it had been sold.   So may be you should be getting some formal financial/legal advice in the near future, to see what you can do, to protects your interests as much as possible.    
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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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PPS PCN - Great Weatern Hotel Swindon - ticket incorrectly displayed


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Does the letter include a pack to fill in with employment and income details etc, as per a Letter of Claim?  could you post it up as pdf just to be sure with all personal details etc redacted.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Hi,

 

Please see attachd

I've only included the actual relevant content of the letter.

 

Nothing in the letter regarding any employment or letter of claim details,

just the letter attached and one from PPS stating that my account has been forwarded to BW Legal. 

 

CR

PPS & BW Legal Letter.pdf

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They have used the lazy way fo sending a LBA, basically following the rules for 2 years ago rather then the current ones. tyhey have done this because it saves them a few pence in processing costs.

 

I woud respond to this as though they had done their job properly and complain about it as part fo your submissions to court if it gets that far rather than argue the toss now.

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stop using google

research on CAG using our custom google search which comes up as a box below after hitting the top squares logo .

 

until/unless you get a titled..letter of claim.. from BW yes you are safe to scan/ignore

 

as for the additional unicorn food tax, get reading here as above.

 

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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Hey guys,

 

Some further correspondence from BW Legal attached. 

It's worth noting I never received a letter from POPLA or PPS regarding the appeal result as the correspondence from BW suggests. The first correspondence I received regarding the matter post POPLA appeal was the letter received a couple of weeks (attached earlier in this thread).

I assume I can just sit on this as technically, nothing has changed?

Thanks,
CR

BW Legal 2.pdf

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the letter is nowt to fuss over but do contact POPLA and ask them why they didnt send you a letter about your appeal and if they say they did you want a copy of it plus a copy of the operators evidence bundle as you have not seen this either. If they say no then you remind them of your rights under the DPA/GDPR

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  • 1 month later...

Hi CAG,
 

So two updates for you:

1. I have today received a Letter of Claim from BW Legal on behalf of PPS with the relevant information along with a questionnaire & an income expenditure form.

2. POPLA failed to reply to my e-mail requesting information thus I have heard nothing from them and received none of the information regarding the case.

I assume I just go about filling in the questionnaire on the LBC stating I owe no debt and return it?

 

CR

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you've been here since 2015 on this 

why are you not bothering to research what you need to do?

 

no you do not use the form..

 

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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I thought I had previously reviewed a thread talking about the requirement to reply with the questionnaire, hence asking for clarification - obviously I'm incorrect. Better to ask and get it wrong than go ahead and make a mistake though right? 

I'll post up a copy with the personal information redacted for review shortly.

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The EB snotty letter speaks more of that you know they  have no leg to stand on, using "their" form merely encourages them to carry on hoping you will fold and cough up  if they send a Claimform

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

 

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Filling in and sending their questionnaire is NOT a good idea, EB's style letter is way to go.

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

 

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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just type in BW Letter of claim 

in our custom goggle search box that comes up after hitting our top squares logo

 

plenty of example of the snotty/insulting reply to send

 

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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  • 4 weeks later...

Hi CAG,

 

I sent the insulting letter as suggested. I received a quality reply from BW that I just wanted to update you all with for a giggle.
 

The letter contained the normal rhetoric and nonsense case law, but the real giggle came in the form of the "evidential" imagery they attached to the letter.

They attached pictures of a car that has nothing to do with me and was dated 2 years after my PCN was issued. I've followed it up with a snotty letter and I'll update you when I receive a reply.

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shame you shouldn't of alerted them.

could have been a very useful weapon in court.

 

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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If you haven't sent the letter, best to keep the info. to yourself and then demolish them in court if it gets that far.

 

I notice that, even though the LBA was your final, last, ultimate chance to pay before they took you to court ... they still haven't taken you to court and are still sending silly letters.

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

 

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

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Yes sit on that and make the point in your defence that the evidence they relied on in their LBA concerned another vehicle  and possiby mutter about incompetent lawyers breaching the GDPR so PPS know that they have been treated shoddily by the peopel who they ahve paid to pursue this.

wont win you prizes but the judge will have their hackles up for another example of  this firm's poor work. they are well known and occasionaly commented upon in court

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