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    • Thanks for your reply Andyorch - Unfortunately there are no credit card account numbers quoted in the letter to identify which credit card company is involved. It just states the outstanding balance and that the original lender is SAV Credit. It only has the Cabot/Global Debt Recovery reference numbers for this debt.  Did a quick internet search and SAV credit was also known as Newday Cards Ltd - neither of which I recognise.   Thanks Paul
    • Ian Ackerley blames an increase in customers, the pandemic, cuts to interest rates and the decision to phase out Premium Bond prize cheques for soaring wait times and a rise in complaints. View the full article
    • 20210121_141933.pdf   I received a letter from the 7th saying their client is willing to conclude this matter and to contact them. The only other letter I received is attached as PDF. If its not this one, I dont think i got it through the post yet.  
    • Well before you can determine if its Statute Barred you need to find out what it is......do they refer to an account number ? If so send them a CCA request section 78...see if that throws any light on the alleged debt.   Andy
    • Hello All - I've received a letter today from Cabot Financial advising that they are passing on a debt to Global Debt Recovery Ltd as they haven't been able to contact me. I haven't received any letters from Cabot for a couple of years and those letters didn't quote any amount like £7000. I haven't ever contacted Cabot either. My address hasn't changed for over 10 years.   The letter states that the outstanding balance is around £7000 and the Original lender according to this letter is SAV Credit. I don't recognise this debt amount as I've never had a credit card with that sort of credit amount (4000 was my max limit) and I don't recognise 'SAV Credit'. I've checked my credit file and nothing new has been added. I have one CCJ granted in 2015 for £3500 which I assume expires at the end of this year.   On the other side of the same letter Global Debt Recovery are asking me to contact them to arrange a repayment on this debt. My financial problems are from around 2012/2013 and I'm sure I was unable to make any repayments to my debts from around that time so I'm assuming that this would make this debt 'statute barred' anyway. I was made redundant a few years ago and I'm on Universal Credit at the moment and have no way of paying this kind of money. I'm not too keen on just ignoring this type of letter as that has caused me problems in the past.   Would appreciate any advice Thank you           
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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Reclaiming Credit Card PPI & Are There Any Creditble Compies?


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Hello

 

With all the PPI exposure now days, i didn't realise that it was applied to Credit Cards also. I would like to ask if anyone can recommend any credible companies?

 

Thanks

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I suppose that you are talking about companies to help you claim back your PPI.

 

We don't make recommendations here – but even if you find some who do a straightforward and decent job, they will take a huge percentage of your own money.

 

With our help here you can do it for nothing – although if you're feeling a bit generous then you can give us a donation if you get a result.

 

It's your money. Why on earth do you want to give some of it away for something that you can do yourself.

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there are none

at theend of the day

with fees, vat, tax, and their share

you can lose upto 50% to them.

 

 

do it yourself its easy free and we've got everything.

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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Please don't ask a CMC to deal with your PPI refund, all they do is fill in the same questionnaire as you would, often with generic complaint points, stick a stamp on it and if its successful charge you a large percentage of the win. They don't have special access to your PPI records.

 

 

You can get all the advice you need on here and if you look at the lenders website they often have their own PPI section and claim form that you can fill in online. You need the account number, proof of payment and valid mis-selling reasons.

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