Jump to content


  • Tweets

  • Recommended Topics

  • Posts

    • Credit file: One account(showing balance of £0 due) for main line showing missed payments from December 2020 (when the contract itself was terminated in August 2020). One account(showing loan of £204 due) for second line showing as being in default since November 2020. As a result of these my credit score has gone down-this is due directly to these two accounts which showed on my credit report as a 'negative factor'   Credit disadvantage: When my Virgin contract ended, I attempted to take up a new contract with another company. I was prevented from doing so at Vodafone as they required a deposit of £150, plus I would not be entitled to the free handset, but would have had to pay £179 for it and the monthly payments would be increasd. I was able to take out a handset at Three, but again instead of being entitled to it free, I had to pay £189 for it.   I will check carefully to estimate the amount of time involved-I have queries going back to October 2019 attempting to deal with this.   I have also received from Virgin another letter giving me the password to unlock the files they sent me(shame it doesn't actually work) and a second email again confirming they will erase my data unless they have to keep it.   I'm wondering if they're planning to use that email as their response for the ICO where he gave them until March 11 to either tell me what they are going to do to put things right or explain why they believe they have met their data protection obligations'?      
    • “We want to get Amigo back to life again” – CEO’s statement as lender posts £87m loss View the full article
    • My case is adjourned to this Month. I'm about to send out my Supplementary Witness Statement. Could someone please check if the following is efficient? My court cost is now over £1000 as it was adjourned 3 times  Thanks!   Supplementary Witness Statement to address the new case exhibits introduced at the hearing on 10 November 2020   VCS v Ward  1.       This case is often quoted by the claimant as assisting their case. However in this instance it actually assists mine. It is contended that the act of stopping a vehicle does not amount to parking. This predatory operation pays no regard to the byelaws at all. It is likely that this Claimant may try to rely upon two 'trophy case' wins, namely VCS v Crutchley and/or VCS v Ward, neither of which were at an Airport location. Both involve flawed reasoning and the Courts were wrongly steered by this Claimant's representative; there are worrying errors in law within those cases, such as an irrelevant reliance upon the completely different Supreme Court case. These are certainly not the persuasive decisions that this Claimant may suggest.  Semark-Jullien Case  2.       Whilst it is known that another case that was struck out on the same basis was appealed to Salisbury Court (the Semark-Jullien case), the parking industry did not get any finding one way or the other about the illegality of adding the same costs twice. The Appeal Judge merely pointed out that he felt that insufficient information was known about the Semark-Jullien facts of the case (the Defendant had not engaged with the process and no evidence was in play, unlike in the Crosby case) and so the Judge listed it for a hearing and felt that case (alone) should not have been summarily struck out due to a lack of any facts and evidence.  3.       The Judge at Salisbury correctly identified as an aside, that costs were not added in the Beavis case. That is because this had already been addressed in ParkingEye's earlier claim, the pre-Beavis High Court (endorsed by the Court of Appeal) case ParkingEye v Somerfield  a. (ref para 419): https://www.bailii.org/ew/cases/EWHC/QB/2011/4023.html  ''It seems to me that, in the present case, it would be difficult for ParkingEye to justify, as against any motorist, a claim for payment of the enhanced sum of £135 if the motorist took the point that the additional £60 over and above the original figure of £75 constituted a penalty. It might be possible for ParkingEye to show that the additional administrative costs involved were substantial, though I very much doubt whether they would be able to justify this very large increase on that basis. On the face of it, it seems to me that the predominant contractual function of this additional payment must have been to deter the motorist from breaking his contractual obligation to pay the basic charge of £75 within the time specified, rather than to compensate ParkingEye for late payment. Applying the formula adopted by Colman J. in the Lordsvale case, therefore, the additional £60 would appear to be penal in nature; and it is well established that, in those circumstances, it cannot be recovered, though the other party would have at least a theoretical right to damages for breach of the primary obligation.''  
    • I'm ready to reject Hermes offer and issue the letter before claim. I've registered on the MCOL website and filled in my claim with the below particulars.   Should I tick the box to send the particulars directly to the defendant?   Should I also tick the box for the right to claim interest. If so do what date would I put for when the money became owed,  what is daily rate of interest up to the date of judgment?    Thanks again      
    • Zoom boss calls working from home "new reality" and predicts growth - but not at last year's pace. View the full article
  • Our picks

    • 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
    • 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
      • 33 replies

HL Solicitors and ceasing of trading


Please note that this topic has not had any new posts for the last 1607 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

years ago when my child was a toddler she was in nursery,

due to severe ill health and also a botch up with my then husbands student grant

we ended up in a situation where we needed to pull the toddler out of nursery for financial reasons.

 

 

The nursery were a nightmare about it and insisted we paid full fees for a term afterwards

plus the term we were already in.

 

I agreed to do this in payments but they insisted they get a court order in place anyhow.

 

Due to a massive change in circumstances and severe ill health

I have been paying around £10 per month for the last nine years (!)

 

 

I was originally paying to Incasso and then HL Solicitors when they took over.

I made my last payment in January.

 

 

By chance I looked up HL Solicitors today to find they ceased trading in December.

I have moved but they had two email addresses for me and I have had no contact.

 

There is no info on their website on who to contact if I am not a client so I am looking for advice!

Link to post
Share on other sites

stop paying

they'll soon come out the woodwork

 

 

urm..who took you to court?

DID they get a judgement?

 

 

or you simply blindly started paying someone that demanded money?

 

 

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

No they got a CCJ

 

I offered to pay in instalments immediately,

they gave it to Incasso who refused instalments and took me to court,

It was at least nine years ago.

 

If I stop paying and they come out of the woodwork would the CCJ go back on my record?

Link to post
Share on other sites

How much was the CCJ for and how much have you paid over the last 9 years ?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites
No they got a CCJ

 

I offered to pay in instalments immediately,

they gave it to Incasso who refused instalments and took me to court,

It was at least nine years ago.

 

If I stop paying and they come out of the woodwork would the CCJ go back on my record?

no.

 

 

it puzzles me why a debt buyer got this debt.

if the nursery were so confident they were correct

why sell the debt on to a consumer credit debt collector..

..urm...

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 bet they filled your child's place straight away and still got the 2 terms out of you through the court - it's a shame you didn't think about that when defending the court action, if they filled the place then they suffered no loss........

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

I have no idea dx100.

 

All I know is I stopped because I was very ill at the time.

The nursery insisted that I had to pay the rest of the term

AND give a terms notice as they had taken on new staff to cover the increase in children.

 

 

I argued with them over this as this was not the case at all.

The staff member had been there years.

They insisted I still had to pay.

I said I would pay instalments and asked them how much they would accept each month

(I paid monthly anyway for fees) they refused, I said I can only pay monthly.

 

 

The next thing I heard from them was from Incasso

who I presumed was a solicitor but now I think they were just a DCA?

 

I replied I did not despite and offered to pay instalments,

They took me to court,

I paid them and they messed me about and payments went 'missing' all the time

so I contacted the court and said to them I wanted to pay the court.

 

 

I did so for a while until Incasso said they wanted it paid directly,

I did so until HL Solicitors acquired them.

Link to post
Share on other sites

I have managed to speak to someone dealing with the closure.

 

 

They say neither they or Incasso bought the debt

but they were acting on the nurseries behalf

and forwarding money to them which I am not convinced about

 

 

but apparently I now have to get in touch with the nursery myself

to arrange payment of the remaining balance...

Link to post
Share on other sites

well id be getting a statement out of them too

PROVE that money WAS getting to them.

 

 

sar to incasso for a start

 

 

something not right here.

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
  • 7 months later...

I'm in the same position, got into debt years ago with Natwest, who sold the debt on and ended up with ccj about 11 years ago, from H & L solicitors.

Today my monthly payment has been returned by their bank, so i did research and found they had ceased trading in December, so now i'm clue less, have no paperwork, received no mail regarding debt, i haven't moved, i cannot pay as bank returns payment. What next?

Link to post
Share on other sites

best to start a new thread

of your own

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
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...