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    • HI   Ah that little lets downgrade it to a Stage 1 Complaint so it looks like wee dealt with it properly if the Regulator looks at our books/files.   It's a tactic Housing Association use even my own recently tried that and I refused to let them get away with it.   So you respond to the Customer Service Manager NOT BY PHONE unless you can record the call.   To Customer Service Manager   Following our telephone conversation on XX/XX/2021 reference my Formal  Complaint you informed me that my Complaint was being dealt with as a Stage 1 Complaint.   I find this unacceptable as this Complaint was made via T&C online Portal with Acknowledgement receipt from T%C of my Complaint in July 2021 and T&C have now only decided to deal with this after I recently had to Hand Deliver (16th Sept 2021) that Complaint to your Office which is  unacceptable.   Therefore T&C have had from July 2021 to resolve this Complaint as per your own Stage 1 Complaint procedure and I quote:   Stage 1: Your complaint will be allocated to a member of staff who will contact you within 2 working days to discuss your complaint and understand the problem. We aim to resolve complaints within 10 working days, but sometimes investigations can take longer. In this case we’ll let you know, keep you updated and agree a timescale for our response with you. As the above has not been carried out and was only acted upon as previously stated when I hand delivered  my Complaint again on 16th Sept 2021 to your Office this is not a Stage 1 Complaint as T&C have Failed to carryout the above Stage 1 Complaint Procedure since July 2021 therefore my Complaint should be Escalated to a Stage 2 Complaint as per your own Complaints Procedure. If T%C refuse to escalate this Complaint to Stage 2 I require full Clarification as to why.        
    • Hi guys, I have recently found this website and have been reading a lot regarding Hermes scandals. Thanks a lot to all the people running and supporting this forum. Doing lord's work. Here is my case, hope I can get some help. On 07/08/2021, I used Hermes service to ship my laptop however the laptop never reached its intended destination.  On 16/08/2021, I had a chat with their representative over the phone to get an update on the situation. I was told they will start a brief investigation to find my laptop. After a long wait, on 14/09/2021, it was confirmed that my laptop was indeed lost. On 25/09/2021, I filled in the compensation form.  On 27/09/2021, I received compensation of £20 + postage of £5.80. On 28/09/2021, I asked them to review their compensation and reimburse me in full. (Formal complaint) The laptop was purchased on 02/08/2021 priced at £1049. Do have a PayPal invoice for it. I did not use Hermes insurance as I didn't have any trouble with their deliveries in the past. The parcel was declared as a laptop. I have prepared a letter of claim to send them as soon as they reject my request to pay in full. Few questions, I couldn't find answers about: Do i need to send email to Hermes with letter of claim or post? Next steps: Wait for formal complaint's response..  Submit letter of claim, wait 2 weeks, then register and issue complain on money claim county court website? Hope i can get some feedback on my letter of claim.   Letter of claim1.pdf
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    • Funny you should mention it-I have today got a letter from the court telling me the judge's comments 'there is no record of an email of 23 July 2021 with the Help With Fees application' 'the Help With Fees code was not generated until either 21 April 2021 or 18 August 2021 and so cannot have been included in an email sent on 23 July 2021'.  'If you want to set aside the order of 2 Aug 2021(I assume that's the one that no-one vhas received,vacating the case) you must make an N244 application  and pay the fee of £255 or submit a Help With Fees application'.   They don't even know when the code was generated and have no idea whether this was before or after the email was sent to them...    
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Amex


Mike J 1973
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sar get all the statements and everything else

and a CCA request too.

 

 

lets get to the bottom of what is actually going on

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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  • 2 weeks later...

Yesterday I posted CCA & sar requests, I sent them signed for which tells me they haven't been delivered yet, but does show I posted them yesterday.

 

Today I have recieved an email from Amex asking me to contact them to discuss a settlement offer / repayment plan.

 

How should I respond to this email?

 

I got a letter in reply to my formal complaint a couple of weeks ago, in that letter they said the account had been passed to FirstSourceLLP, I have had no contact from them.

 

Today's email appears to have come direct from American Express.

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let in run.

 

 

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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they'll soon find out

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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  • 3 weeks later...

I sent the CCA request and SAR to Amex and they were both signed for on the 12th April.

 

Today I get a letter saying they can't supply the SAR as they are unable to establish the identity of the requester. They are asking for a copy of my passport and a utility bill.

 

Should I send the documents?

They happily send bills and letters to me,

also why has it taken them so long to ask for these details?

 

In terms of the CCA, I think their time is up tomorrow, 4th May, should I be chasing it up?

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have you moved since you took the card 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... 

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Share on other sites

Yes I have moved,

 

today I get the reply to the CCA request (with my £1.00 returned, I dont know if that is significant) ,

 

there is probably 50+ pages mainly changes to t&c's

but I have scanned in what I believe is the relevant pages.

 

At the top of the first page there is a reference number that I have written on,

I am assuming I will have been given the reference number and told to write it on but cant remember it is over 10 years ago.

 

Does this appear to be enforceable?

In terms of the SAR, should I send the info they have asked for

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pop the stuff up into ONE MULTIPAGE PDF please

follow the upload

 

 

as for the SAR

if you go read the clickme link where you got the sar from

it clearly says if you have moved

you need to include a copy of your most recent ctax bill and why.

 

 

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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Share on other sites

Ok the CCA should be attached in PDF format, any advice / thoughts would be great.

 

I think the quoted APR is incorrect as I am sure it was 6.9%

the document is from 2006,

the ref number that I have blanked out on the top is in my handwritting so I assume I must have been given the number to write on at some stage.

 

I will send a copy of my passport and a utility bill to get the sar completed that I guess will give me all of the statements and therefore the interest rate.

 

Thanks

Mike

CCA return.pdf

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please read post 35 with regard to the SAR.

 

 

as for the CCa return

you say the doc is from 2006

what date did you sign the agreement

and that set of T&C's...what date are they from?

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 signed the doc on the 31/01/06

 

As well as what I have scanned in I have a document titled 'Credit card Agreement Regulated by th consumer credit act 1974'

 

At the top it has issuer which is filled in next to that it has 'debtor' and 'the cardmember' both are blank and there are no dates. That is a 13 page document.

 

They have also sent a document titled 'your insurance documentation' That's an 18 page document, again no dates.

 

I have a letter dated May 2006 which references changed to T&C's and a notice of variation in accordance with the consumer credit act 1974.

 

I have a number of those changes if T&C's. I can scan this all in if it would help, it all looks very generic.

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any additional T&C's at as they say important changes

must have your name and address and theirs in the top sentence of each copy.

 

 

gotta admit somethings not sitting right here

as theres noway a big creditor like amex would give a 50% discount

 

 

now on the agreement

I cant see PPI ticked

but you say theres a PPI documentation, I wonder if that's the discount?

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 believe the insurance was to do with cared holder benefits i don think i had any ppi but will check when i get the sar.

 

i have scanned in the next document, you will see there are none of my details on here, i haven't blanked anything out.

 

this is the second part of the second document.

 

Everything else is just periodic changes to T&C's, i can scan those as well if they would help?

CCA 2 Part 1.pdf

CCA 2Part 2.pdf

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cared?

 

 

don't worry about the T&C's if they've not got YOUR name on them

bogroll

 

 

think you are going to have to await the sar and all the statements.

 

 

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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haven't done that in a few years....

 

 

the cca could be ok as such

but i'm more interested in bottoming out this massive discount.

 

 

so at present you've no statements?

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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Shame about the CCA, I was hoping as it lacked a signature from there side it maybe unenforceable, I only have recent statements, im sending the ID for the sar today. When I get the SAR what should I be looking for?

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use copy of CTAX bill too as the sar told you in the first place..................

 

their lack of sig does help you no...

 

obv when you get the statements

I bet theres £1000's gone out to PPI [or whatever they call it ] every month in dribs and drabs that you never signed up too.?

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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no you do not deal with any powerless dca

 

 

they ARE NOT BAILLS

AND HAVE

NO SUCH LEGAL POWERS.

 

 

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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Share on other sites

  • 2 weeks later...

I have the SAR,

I've gone through my statements and as I thought there is no PPI,

there is about £50 of late payment fees from just before I put the account into a DMP.

The vast majority of the debits are the interest charges as you would expect.

 

Apparently the account is with FirstSourceLLP but they have never contacted me, not really sure what to do.

Amex have not registered a default and the account does not show on my credit file

but I really don't want it being added back on and adding a default.

 

Should I go back to Amex or FirstSourceLLP and see if they will still go with the 50% settlement offer which is about 4K which they had said they would accept over 2 years.

 

 

I'm tempted to offer the 2k paid by the end of the June which I could just scrape together.

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look at the sar comms/account log

find the old default or default notice date.

then it cant comeback on your file

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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