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    • FAW counts Red Flag limousines, used by China's communist party leaders, among its products. View the full article
    • Thanks for your reply...much appreciated. Last payment date was December 2018. She had been paying £50/month from July, and they wanted £150/month, despite my partner losing her PIP (which was eventually reinstated after appeal). She stopped paying anything after they failed to supply a true copy of the original CCA (which she took out in 1981). Her name and address were different in 1981 due to marriage (and subsequent divorce!). Again, no mention of that in the “reconstituted” agreement which they supplied. Once again, many thanks and we both appreciate you putting time in to helping with this, especially due to the increased financial pressures of Covid on many people who also need your help.
    • never get a cca for a debt of that age when was the last payment date?   dx  
    • i have shrunk the uploads earlier as they exceeded in total your upload limit try now in pdf.   BTW: the file a few posts up renamed burlington comms is very damning for them they knew they had done wrong having just read it.   now this subject needs addressing and sorting. where has all your available income been going for the last 12mts...why has this debt not been paid and why did you resort to even taking out an LBL in 1st place..usually its as a result of shear desperation and financial mismanagement as you could not get money elsewhere ...why ?   this debt is a priority ...2nd to everything other that what keeps a roof over your head like mortgage , rent. CTAX. gas/electric.   mobile phone/sky/broadband/credit cards/OD's/catalogue debts or accounts and anything else you payout for needs to be either cancelled or dropped to <£5PCM..they can't do anything to your roof or your car.   spill the beans..why were you in such a whole in 2018 that you ever had to goto these sharks and expose yourself to this grief..          
    • For general info, I have a Life Fitness treadmill which has been in my garage for the past two years.  It cost around £2k so in the same ball park as yours.  It was installed for us by professionals and there was no hint that it is an unsuitable environment - because it isn’t.  The gym I use (when I can) is even less salubrious than most garages, think bare aircraft hangar rather than carpets and smoothie bars.  It is not heated.  It has a range of top end cardio equipment all working just fine.        
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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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NZ Citizen, Living in UK - Credit Corp Debt


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Good Evening Guys,

 

I've posted here previously and received some fantastic help so I am hoping the same can be done again.

 

My partner has got herself into an interesting situation.

She is an NZ citizen who lived in Australia for three years (where we met), before moving to Scotland with me when my Australian VISA expired - 12/14.

 

 

When she left Australia, she left behind approx. $1500 worth of debt split between a credit card and a mobile contract.

At the time we didn't have the finances to worry about it as the move to Scotland was priority.

 

Since 12/14 she has had no communication from the credit card company,

and only one email from the mobile provider asking/seeking payment which was early last year.

 

 

However today we received a message from a family friend of ours in Australia advising that they had been contacted by a company looking to speak with my partner,

they claimed they needed to speak with her or her family about a personal matter

and wouldn't give any other details (apart from her fathers first name - which was weird).

 

 

From checking the forums and contact number I now understand this to be Credit Corp.

 

My questions to you brilliant people is

- they clearly have limited info on her whereabouts,

should we make contact with them and try and rectify the debt, or let it go away?

 

 

Her main concern is that she is on a 5 year VISA here in the UK,

after which she will apply for residency and we're not sure if that would affect it.

 

 

Can they pursue it in the UK?

 

I've read some of the previous threads on here however her case is a bit specific

and I'm looking for a clear answer.

 

 

Any help would be greatly appreciated. I

 

 

'm off to bed now (23:20, 3/5/16) however will be available to answer any questions tomorrow morning.

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ok its debt avoidance in 'a' form

but my personal view is stuff 'em...

 

 

prob find most of the debts are interest and penalty charges

or exit fees or resulting contract monthlies that in all truth are not owed anyway.

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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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 The National Consumer Service

 

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

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Should not affect any UK visa. UK credit records only relate to the UK. I guess that they only look at how well she us managing to live in the UK.

 

I suspect that they have no clue where she is resident. For such a small debt, i would think it is not worth any debt collector like Credit Corp pursuing this outside of Australia. If the credit card terms allow any debt to be enforced outside of Australia, then a UK court would look at the debt. But i doubt any UK Solicitors would want to handle such a small debt, as it would not be worth it.

 

Tell the family friends that if Credit Corp call again that the person they are seeking is a Kiwi and is not a resident of Australia. That they do not currently have any way of contacting her. Credit Corp should stop phoning.

 

The debts will become statute barred under relevant limitations law at some point. Credit Corp appear to have a reputation of being an unprofessional bunch, who will even try to annoy third parties, to see if they can gain contact from a debtor. They will have checked public records to try to trace, which is probably why they knew her Fathers first name. Once the trail runs dry they will give up.

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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A UK credit reference check can be undertaken in the UK but ... The company making the request must have a registered address in the UK. For example ... HSBC Philippines can ask HSBC in the UK to credit check. Confirmed by the ICO

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Guys - apologies for the delayed response. Thank you so much for your help - unclebulgaria67 she is managing fine in the UK, near perfect score so I am happy that if we just let it lie and make no formal contact we should be OK. From reading some other forums on here today I understand Credit Corp's reputation for harassment.

 

Once again guys thanks for putting my mind at ease.

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  • 8 months later...

you need to start a new thread

of your own please

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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