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    • Hi -I bought a £500 bike on EBay from a private seller - listing stated “collection in person only” but after asking he agreed to post it - I bought a Hermes label using Parcel2Go, filled out all mine and seller’s details, and sent it to him. All he had to do was to stick it on the box and wait for courier to collect  - on the day of collection I received an email that “courier wasn’t able to collect the parcel” (seller assured me no one showed up for it as he’s been waiting) - same thing happened the next day. I knew Hermes tried to collect x3 and didn’t want to miss the third attempt so I asked the seller if he could drop in off and the nearest parcel drop off point.  He agreed and dropped it off. - Few days later the parcel arrived empty. It was half opened. I opened it in courier’s presence only to find bubble wrap and empty cardboard box. I asked him if there is a report we should fill out in situations like that. He said there wasn’t and that this is how he collected it from the local depot. He handed me blue card with a phone number to text ( texted 3 times heard nothing back) I took photos of the box (with courier in the background and said I don’t accept it because it’s been robbed) - I contacted the seller. He informed police about it so he could get cctv video from the parcel drop off point proving the box was heavy and needed two people to carry it.  -I informed police on my end hoping they could take a statement from the courier who delivered the box. They listened to my story but weren’t too bothered. They said I’ll get my money back if I paid with PayPal. - I got my money back. - police said I’m no longer at financial loss so to them the case is closed. - I want to fight with Hermes and P2G to get the £500 back from them so I can give it back to the seller. I’m convicted he sent the bike. He showed me the package before sending, we are in ongoing contact. He got the cctv footage etc. I feel horrible because it was me who chose the courier and it was me who asked him to post it, and now he has no bike and no money.  - I contacted P2G on live chat (since there’s no possible way to contact Hermes). They said to allow them 14 days for investigation. They were supposed to check cctv from depots and weighting points to see where the parcel went down from 15kg to nearly 1kg - after 14 days I contacted them again only to be told that Hermes hasn’t provided any information and now an automatic claim has been opened. - I provided all documents they asked for and now I’m waiting for the outcome but I already got email saying I can only count for £20 since I haven’t opted for extra protection. I haven’t paid for extra protection since stealing is illegal no matter for paying extra or not. I figured they won’t loose my parcel since it was a huge box and was ready to risk the damage. The point here is that they haven’t damaged it or lost it- It Has been delivered- Robbed.  - I’ve got all the chat scripts, emails between me and the seller, listing details, crime/ incident number/ photos of empty box delivered, photos of seller dropping it of, photos of the parcel before sending etc. I also have time and will to take them to court and open small claim. I think I might qualify for the cost relief too.  My main question here is - Do I, as a person who bought the servis and haven’t received the item can open the small claim against Hermes and/or P2G. Can I do it even though I’m no longer at “financial loss” (since PayPal refunded me). Do I need to tell them that at all?    I hate this whole situation and hate the fact that I can’t afford to give the seller his money back and be at loss too. It was a used bike, a gift for my daughter’s 10th birthday. I don’t want the time to ease my anger and forget about it because at the other end of this, there’s an honest guy who did everything he could send me that bike.    I know there are other posts that are almost the same as this one. Please can you just read through it and say what rights do I have to ask them for money back if I already got them from PayPal. 
    • I definitely have photos somewhere, but as yet, I’ve not recovered them.
    • you dont file anything specific when filing a defence for a speculative invoice    1000's of PCN claimform threads here to read if you are that worried this early.   use our search in the top red banner....    
    • Sorry what I meant was should it go to court should I include all the above in my defence? is it all worth mentioning or should I just go with they have me in the wrong place
    • ^^^   so proceeding as a std court case now..... exchange of witness statement next but await the n157 with the details you don't need to contact lowells no.   as for this £200 payment , if it was for this card debt sold to lowells then yes they would fwd it, lloyds no longer owned it, but im still very puzzled where it came from, who made it, and was it supposed to pay this mystery credit card debt in the 1st place  
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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
      • 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

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Hello all!

 

I have used CAG before but a significant time ago,

ive been avoiding problems for most of my young adult life

and have foolishly decided to never take charge or responsibility and my own actions.

 

 

I am now 28 and a father of 2 i have turned my life around in the general aspect I work and provide and want to fix all the damage i have done.

 

The problem is i have debt with a alot of companies,

I have access to my credit report through Experian And through Noddle.

The credit file is showing allot of defaults.

Some debt has dropped off and some debt is due to drop off soon.

 

My question is

i don't know where to start with dealing with it all, do i contact the stuff that's due to drop off? or do i leave it disappear.

My total Debt Value is around £2000 that is left owed to 3/4 debters

 

Another query i have is that Noddle holds debt info that experian doesn't ?

who do i follow here?

 

Any help provided will be seriously appreciated

 

thank you

 

Debts -

 

EE (Orange) £10 - Default date - 08/12/2014

EE £650 - Default date - 05/05/2015

NAtwest £502 - Defaultdate - 31/08/2010

VirginMedia £150 - Default date - 07/04/2012

 

The total balance of your defaulted accounts is £1,308.

 

"Credit Score" of 435

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are the debts still with the named companies

or do DCA's have them?

theres not really much you can do about the defaults

they are there for 6yrs regardless to paying the debts off or not

 

 

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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Im pretty sure the Debts are with DCA's

for example natwest is 6 years in august

is there even a point in dealing with this now ?

 

 

sounds terrible to say my most recent is 2015 and its already defaulted

so, isit best to just pay that off and then not take any more credit out until all my defaults are whiped clear in 2022?

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you certainly wont get the defaults remove

poss wait yes.

if the debts are owned by a DCA

their name will show as the owner of the debt, not say natwest

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'd just sit tight and wait for a letter to come from whoever currently owns it. If more than 6 years have passed between the date of last payment to those debts and current date, then theyd be statute barred, and you can write them off.

 

Just remember, the default date on your file has nothing to do with the SB date. The default date could be added months after the cause of action that caused the account to go into default.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ive had debt letters for atleast the natwest one before though ? does this mean they have returned it to natwest?

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Maybe, maybe not. Just sit tight and wait for the next round of letters IF they come. Then you will know for sure whats gone on. I wouldnt waste time or money writing to natwest or calling them. Theyd prob take that as a signal to update your file, and any DCA opening the floodgates

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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