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    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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cabot and i+e re HBOS halifax card debt


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On 24/10/11 I sent a SAR to HALIFAX on behalf of my sister-in-law.(i was writing in her name) I enclosed a cheque for £10.00(the cheque was not in her name as they had previously seized monies because of monies outstanding) printing her name on the back of the cheque and her account number.The cheque was cashed on 01/11/11. To date I have received no response trom Halifax.Can anyone advise me as to the next course of action.

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  • 3 weeks later...

Hi,Today my sister in-law received a letter from HBOS in reply to my letter telling them that they had failed to comply with the SAR.

They say that they cannot trace the SAR request and go on to tell her that "if you wish to apply formally under the data protection act a fee of £10.00 is payable".

To say that I was angry does not even come close,it was just as well that the moronic creature that wrote the letter was not in reach.As stated before the cheque was enclosed with the SAR request ,it had her name printed on the back together with her account number.Can you believe that they deducted the money from the outstanding amount in her account(I helped her to arrange a DMP with CCCS).I'd like to go after these arrogant,inept idiots.Can someone please help.

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It matters because if it was sent recorded and you can show they received it and when AND they cashed the cheque that was enclosed you have a case for non compliance and putting a fee for a SAR against the account.

 

Without proof of delivery and a cheque made out to them with an account name and account number n the back it would be more difficult.

 

SAR payments should always have a note on the back of them to the effect that "This payment is for Subject Access Purposes Only And Must Not Be Used For Any Other Purpose".

 

You need now to complain to the bank and the ICO

 

ims

 

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I sent an SAR and enclosed a cheque for the sum of £10.00 and on the back of the cheque was written the name of my sister in-law and her account number.surely the fact that the letter was an SAR and that the SAR letter stated that a cheque for the amount of £10.00 with the aforementioned details should satisfy any legal requirements.

An SAR was sent,and received(by proof of the cashed cheque) What defense do they have.

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IMS, Please don't think I'm not grateful for you help,I really am.I guess what I want is to know if I can go after these slippery creatures in the courts on behalf of my sister in-law who is in very(very) poor health.

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No probs

 

Yes you can sue for non-compliance of a SAR.

 

But you need to get everything in line of you are going to issue. It would be good to find that recorded delivery receipt as an extra piece of the jigsaw.

 

I would, in the first instance, write a letter of complaint addressed to the CEO and you could e-mail or send it recorded. The complaint should focus around their practice of putting SAR money back into a person's account and a consequent breach of the DPA. You could remind them that they have a statutory duty under the DPA and should you not receive a satisfactory outcome you will report to the ICO and may consider legale action to force compliance.

 

ims

 

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IMS, Thank you.I will try again to find the receipt,but in the event that I can't I'll have to go with what I have,I'm going to sign off for tonight,But perhaps tomorrow you, or maybe another cagger can suggest a template letter which might fit this scenario.

Many thanks.

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  • 3 years later...

Hi Everyone,

 

My sister-in-law recently received a phone call from a woman from Cabot (she has a payment plan in place)

the woman said that as the last financial update was done last August it was time to do another one.

 

previous to this I had always advised her re' her dealings with these people,

but on this occasion she went ahead without talking to me first,

 

during the course of the review my sister-in-law told the woman that her son was paying the council tax and rent,

(her son has Aspergers Syndrome, Dyslexia and Dyspraxia and has a statement to that effect)

the woman then went on to ask how much he received in benefits and also how much savings he had.

 

My sister-in-law phoned me in a great state of distress,

she is a pensioner with no savings and finds it very difficult making ends meet.

 

I phoned Cabot and told them what had happened and that they had no right to probe into the boy's finances

and that I am considering contacting the FCA.

 

The person I spoke to put me on hold whilst he spoke to a manager,

he came back and said that they were very sorry about the way things had been handled

and that they would speak to the employee who made the call.

 

To say that I am angry about this is an understatement,

I really would be grateful for some advice as to how I should proceed in this matter on my sister-in-laws behalf.

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She needs to make a formal complaint in writing about what happened and how much distress has been caused, for which she is considering taking up with the Financial Ombudsman Service.

 

The FCA does not really deal with individual complaints and would point her to the FOS.

 

But the question is whether Cabot are cashing cowing and making more out of this debt than they should be.

 

What type of debt is this ? What is the history of it briefly ? Were there any issues with original creditor that were left unresolved e.g PPI, excessive charges ?

 

I would be tempted to do a review of this debt yourselves and gather evidence so you can do this. Ask Cabot for a full statement of account showing all payments made to them and a copy of the last statement of account from the original creditors. If this is a Consumer Credit Act covered debt, then it might be worth a CCA request.

  • Confused 1

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whats the original debt about please

 

 

has she sent these fleecers a CCA request?

 

 

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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CCA request time

 

 

how many years has this been going on...years I bet??

 

 

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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which card, taken out when? s78 cca request to cabot

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Guest Kris_barb

If she has gone to step change I should imagine she has more than 1 debt.

 

 

See if she is eligible for a Debt Relief Order.

 

 

If she is eligible it will be a one off £90 fee and all debts wiped off within 12 months.

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slow down check the debts first via CCA please

 

 

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 think the debt plan has been running for over five years,

 

 

as to the card I think it's Halifax although i'm not sure and can't contact her until tomorrow.

 

 

Would it be best to put this on hold until I can speak to her in the morning,

 

 

then I can post again with all the details.

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oh yes

 

 

dx

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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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HI, Back again....

 

 

...The credit card was Halifax and the balance is a little over £2000.

 

 

This debt goes back about eight years.

 

 

There are two other debts..

 

 

.One is a Halifax loan and the other is a card from Capital One,

 

 

this also goes back about eight years.

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