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    • Thanks very much indeed for this. I'm very pleased you've had a result – and also it's very satisfying to have had the result on the back of a judgement and having issued the warrant. Did you get everything back including all of your costs and the cost of the warrant? Did you get the full value of the judgement – including the compensation for conversion of this apparently damaged bag?   It will be very interesting and appreciated by many people if you would post up a copy of the judgement please. I think maybe we will use it as a trophy! We've received a donation – I'm not sure if it was from you, but I responded by email. Thank you very much indeed once again  
    • So 2 days following the warrant issue.. Hermes finally contacted me to arrange payment and said they had not received my prior claim letters hence the lack of response? But they received this one though didn’t they before the bailiffs are in!   Am incredibly pleased and thankful to CAG! I didn’t know this great  community would be what I find back in Dec from a quick search! Really appreciate the time taken to help me on this and I wouldn’t have a clue without it! I have just donated. Its forums like these that really makes a difference to society, so we need to keep it going!   Key points to note: Hermes Parcelnet Limited (UK entity and HQ in Leeds - address to this) Don’t use packlink for high value items (it links ebay details to the courier selected) Never use Hermes for high value items EVER!
    • ???   you ignore them until they comply and we confirm the filing cabinet copy and paste bogroll they send IS enforceable. cause i bet you 100% it won't have come from them awaiting the OC to send it....their raiding their filing cabinets now i bet..
    • Still waiting for these diagrams. We've been dealing with this story for nearly 48 hours now and we are only starting to understand exactly what happened and we still haven't got information that we've asked for.  
    • Dx100uk well not really, considering he pulled out on me from the side of the road. He should have gave way. Why do you think he has told a different story to his insurance ?   Because he knows if he has said he pulled out on me he would be held liable.   He pulled away from my left hand side then braked- leaving his van in an angled position, it literally happened within the space of a split second  
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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.
       
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      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!
       
       
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DCA wants proof of name (Capquest) MBNA debt


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Hi, would appreciate some advice if possible.

 

History of this debt -

 

Original Creditor: MBNA

Date of agreement: 12/10/2005

Current owner: Arrow Global

Current balance: £4223.87

Default date: August 2010

Last payment: 2013 (?)

DCA: Capquest

 

Current issue -

 

Got married a few months ago and have changed surname, found CAG and decided to sort my act out.

 

Recently sent CapQuest a CCA request (using CAG template), trying to get things sorted.

Before they even received it my neighbour popped round with a letter they had incorrectly sent to her address.

She'd also opened the letter as CapQuest had called her home and worried her.

 

I was fuming about the phone call,

they obviously searched the address for a number,

if they's taken 2 minutes to check my credit file they would have my correct address,

and sent them a letter to complain

 

 

their only response so far is to request confirmation of my name change

(valid request in terms of data protection I think, but I refuse to send them any of my ID).

 

Wondering if there's any advice on the following:

 

 

  • As I want to get a clear CCA request response (do they have it or not) I understand the need to identify myself, should I provide this to the OC or the current owner?
  • Would appreciate an opinion on my draft response to CapQuest please -

 

Thank you for your letter, dated 27th January and received 29th January.

 

In your letter you request confirmation of my details.

 

Due to the nature of my current complaint and your companys inability to appropriately check and manage data; I am reluctant to supply you with identification documents.

 

As such I am writing directly to the original creditor (MBNA) of the alleged debt with sufficient identification to reflect my change of details. I

f relevant to your desire to contact me I am sure they will pass this information along in due course.

 

I await your response to my formal complaint (letter dated 20th January), the main points of this complaint are stated again below for clarification:

 

1. The letter received disclosed alleged debt details, nature of contact and amount, without any attempt to be ensure that

“data and information used in the identification process is, to the best of their knowledge, accurate and adequate”.

This failing may relate to CapQuest or their client.

 

2. CapQuest also somehow obtained the telephone number for INCORRECT_ADDR and contacted them about the account number above,

which contradicts the intended recipients right to privacy.

 

Attached file is a copy of my complaint letter and their most recent letter.

 

Thanks for reading

Capquest_name_confirmation.pdf

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that letter looks a bit freeman of the land twaddle to me........

 

tell us about the debt please.

 

you certainly need to ring the ICO and let them know about the neighbours involvement too

 

they have certainly breached the FCA conc rules too

 

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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Original Creditor: MBNA

Date of agreement: 12/10/2005

Current owner: Arrow Global

Current balance: £4223.87

Default date: August 2010

Last payment: 2013 (?)

DCA: Capquest

 

Got into problems in 2009,

tried Baines and Ernst,

realised they were a rip-off so set up my own DMP;

 

 

have had 2 children since so started making only token payments in 2009,

then stopped payments to MBNA/Arrow in 2013 (can't remember why).

 

Account was in "Arrangement to pay" from Jan 2009, defaulted August 2010

 

Total balance when I fell into difficulties was £4,598.87. SAR sent to MBNA yesterday (definitely had PPI), CCA sent to CapQuest 18th Jan

 

Let me know if you need to know anything else. THANKS

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ticking along nicely then.

 

 

lets await the CCA failure I suspect.

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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