Jump to content


  • Tweets

  • Posts

    • Some added info. This is a Toyota Corolla, 2002. I took it to Toyota where I do my service. Last service was July 2020.
    • I took my car for an MOT early at 08:00. I was first in, no other work, the appointment had been made a week before, so I was told it would be done immediately. After an hour I got a call that the MOT had failed with back bushes cracked and front suspension work (which I currently do not remember - nor do I have a record for as I will explain). I told them then to do all work needed for the car to pass MOT, as I have to by the laws around a failed MOT, the parts and labour would be around £700 I went to check the MOT database but did not see my failed MOT, just the pass from last year. I called them again and asked why I can't see it. They said that it will be recorded shortly. Later that afternoon they then call me and tell me it's all ready and it will be £500+ now, since they reviewed it more closely. I check the MOT database again and all I see is a passed MOT. No failed MOT has been recorded. That is why I cannot tell you exactly what they have fixed. I still have not gone to the garage.   I thought a failed MOT has to be recorded by law. I'm suspicious of this. Am I right to be suspicious?
    • Couldn't get through to MCOL yesterday afternoon - looks like the claim was issued on 15th December not 21st like I was told.  Will try again today but not looking good time wise.
    • If its a 'cabinet minister' then its a poop-ulist We shouldn't expect reasonableness or common sense let alone competence, or anything other than self interest and self promotion.   oops - and their private sector mates ewho will pay them megabucks for a few hours a year roles - as long as its not their money thats wasted   https://www.independent.co.uk/news/health/nhs-test-and-trace-dido-harding-b1789098.html
    • Yes, I agree that you should simply wait until the 28. Give them a couple of extra days and then send a letter of claim on the 1st of February. Make sure that you are actually happy to issue the claim on 15 February and that you are bluffing. Register onto the moneyclaim website and start preparing your claim. Post your particulars here before you click them off. I suggest that you claim a very modest amount – £50 for the moment.  
  • Our picks

    • 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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Please note that this topic has not had any new posts for the last 1467 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

Me again. Trying to sort out my partners debts.

 

He's got a debt with Opus and is being chased by 1st Credit.

 

 

Sent off a CCA request on 28 October

 

 

on 21 November got a standard letter saying that they are aware a dispute/query has been raised and they would contact the original creditor in order to request any information they hold but it may take several weeks for them to gather this information.

 

Can I presume that they haven't got the original CCA?

I'm not going to suggest any response to them anyway.

 

The other question is all correspondence goes to his parents house which he only goes to every couple of weeks.

Is it safe to request that all correspondence is directed to his new address?

Link to post
Share on other sites

Until they provide a compliant response, you ignore them.

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

Link to post
Share on other sites

opus are citi

and they'll never get an enforceable CCA out if citi there are none

esp if its years old.

 

 

when was the card taken out?

 

 

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

What address is on his credit file?

 

You need to ensure that they cannot obtain a CCJ via default, ie, sending court claims to his old address.

 

Not that a CCJ is likely, but they use underhand tactics, and if they get so much as a sniff that they can obtain a judgement by default, they won't hesitate.

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!

 

 

Link to post
Share on other sites
opus are citi

and they'll never get an enforceable CCA out if citi there are none

esp if its years old.

 

 

when was the card taken out?

 

 

dx

 

What address is on his credit file?

 

You need to ensure that they cannot obtain a CCJ via default, ie, sending court claims to his old address.

 

Not that a CCJ is likely, but they use underhand tactics, and if they get so much as a sniff that they can obtain a judgement by default, they won't hesitate.

 

Card taken out in Feb 1999

 

Currently his old address is on his credit file but he has now just registered at mine on the electoral roll so that will show next month

Link to post
Share on other sites

Well as they are unable to produce the CCA, then ignore, don't enter into letter tennis with them.

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!

 

 

Link to post
Share on other sites

was the cca send from where he now lives?

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

then send a new CCA request from the correct address

then they have it and cant argue

nor get a backdoor CCJ

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
  • 1 month later...

no just invites letter tennis.

 

 

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

Mark the emails as Junk, and forward the text messages to 7726 (SPAM on your phones keypad)

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!

 

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...