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    • So, in summary  it says that Johnson is an oath breaking liar who either cant see beyond the end of his dick, or doesn't care as long as it can be spun that his problems are more somebody elses problem to solve than his, and who (with the UK dragged along) certainly can't be trusted. - No surprises there then   More on that: https://www.reuters.com/article/us-britain-eu-finance/eu-says-it-expects-financial-services-deal-with-uk-but-trust-an-issue-idUSKBN2AW0TF?il=0 https://www.irishtimes.com/news/world/brexit/eu-forced-to-take-legal-action-as-uk-cannot-be-trusted-on-protocol-says-coveney-1.4500990   and the 'loyalist' paramilitary groups stepping up a gear with the DUP rabble rousing https://www.theguardian.com/uk-news/2021/mar/04/brexit-northern-ireland-loyalist-armies-renounce-good-friday-agreement https://www.irishtimes.com/news/world/brexit/loyalist-paramilitary-groups-withdraw-support-for-belfast-agreement-1.4500982     Lets not forget that Johnson whipped this 'solution' and spun it as a great deal, marvellous for the UK and that was easy for the UK to implement rejecting all other options     Like sunaks budget, great for those looking to buy a second property in the spate of evictions that has started, or corporations that have money squirrelled away in tax havens who might be persuaded to buy up the best bits of failing companies with  25% tax relief all funded for decades to come by those people and corporations stupid enough to actually pay tax in the UK  .. all while reducing the NHS budget by billions and shunting that into the private sector    
    • Ive looked for a template for the IRL claim but cant find one. Where sre the templates? thanks   ive told her ill take the mediation call instead of her, ill be a lot better at it
    • Yep it's absolutely shocking, I hope more people take them on and win and hopefully one day their charlatan scheme will crumble.    I was advised on the mediation phone call to await an email with the full write up before emailing hermes my bank details, but I'm still awaiting this email. Advised payment will be made within 14 days. 
    • well had their costs schedule today -ridiculous,   claiming over 5 hours or letter writing twice at £201 an hour -so £2000 in fees alone for that compared to our 1 claimed hour for both of us in reply!   claimed £650 for photocopying trial bundle 122 pages (and was one by admin or secretary not a £200 and hour solicitor   claiming all the hours of attending the hearing even though barrister attending the hearing on their behalf.   absolute joke, unreasonable and not capped at any fast track rates. nor the court fees claimed
    • total charges is approx £96 out of £1680   but actual amount they are claiing is £2k    
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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

Capquest Think I Owe Them £24k HBOS 'debt'

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I'm typing this from a tablet so it will be to the point.

I got several texts from this company trying to bluff me into ringing them so I googled them, saw what they did and decided to ignore them.

Next arrived 2 letters saying that I owed them £24,000 for an account they bought from HBOS!

I've never had any accounts with HBOS and I do not know what the heck is going on!

I've read that these parasites are in the business of phishing for debts etc.

What can I do?

Is there a letter I can sent them to get them to feck off?





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If you have never had an HBOS account, and don't owe anyone thousands

: they have you confused with someone else, and are just looking to see who responds.


So, you have 2 options:


1) Send them a letter (just one!), saying you have never had an HBOS account and to stop writing to you. If they believe that not to be correct, then they should issue a court claim against you, so that you can let a court decide. The risk to this is that they think "aha, we've had a response!," and they will write again, inviting a game of 'letter tennis'


2) Don't reply at all. They then may write saying they will send out a 'field enquiry agent'.

(So what?, you still don't owe it),,,,,. If anyone does turn up, just say "I didn't answer the letter(s) as it isn't me who owes this debt, now get off my property!".


Either way, interact with them just the once, otherwise they'll think it is you they are after, and they'll just keep trying!.

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cabot dont enforce legit debts, so if they persist, then its time to put them to proof.



If you have never had an HBOS account, and don't owe anyone thousands : they have you confused with someone else, and are just looking to see who responds.


exactly. theyre so depserate, the person they could be after might be on the opposite side of the country, but they send everyone who has the same name a letter, hoping one or more pay up.

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


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Check your credit files if you haven't already.


If [email protected] have marked your files, then you could sue them for defamation and it's money in your pocket!


Most 'authorities' who police this industry only do so when you've made a formal complaint to the parasite who's blindly phishing for money.


The problem with corresponding with [email protected] is they'll then believe they have hit their intended target, so the best bet is to ignore them, check your files, and then continue ignoring them, but keep a diary of events with a view of reporting them to the police for the criminal offence of harassment.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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any old Lloyds BOS or TSB accounts ever..

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 meant capquest. I was reading another thread at the same time

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


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chances are they have contacted several people with the same name as their person they are chasing and have targeted you because you live closest to the last known address of the target.



I would ignore them for the moment but if they persist you should tell them that you are not the person they are after and to cease writing to you and to remove your details from their database.



If they dont then you can take the matter up with the relevant regulatory authorities

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