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    • have you written evidence it was hacked?    
    • well you see the thing is that document could have come from anywhere here on CAG their filing cabinet then all they do it type your details in....no they wouldn't do that would they....   its supposed to come from the original creditor, and a correct return typically does have a tick box with your typed name by it and the IP address used and the time of it etc etc.   sadly cabot are masters and have alot of filing cabinets..... lots of claimform threads here on cat debts   is the address the correct one for time of sign up?   dx    
    • OK got access to the SLC portal and there is absolutely nothing there for the 1996 loan that Shoosmiths are dealing with, only a subsequent loan I took out in 2002.   What does that mean, if anything?
    • My son is in his 30's and he is very gullible.   The letter from his bank states " that they have contacted the retailer's bank and they believe the transaction to be yours. If you do not recognise this payment contact the retailer as they will be able to provide you with a more detailed information. Should you be able to provide further evidence to support that the transaction was neither made nor authorised by you, please contact us."   The bank also provided the delivery address and the name of the retailer.   How do you provide further evidence to support a transaction that was not authorised by you when the account was hacked through scammers?
    • So they have to basically provide full proof that I checked a box in agreement to validate that CCA? And at the minute it's basically just a piece of paper with my name and (old} address on it?   Is it worth putting in another IA a little nearer the time demanding this again? Stating that? Giving them enough time to legally comply, but not too much time?
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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,

just to give some basics.

 

The past couple of years has been seriously bad healthwise and has caused the obvious roll on effect of being skint because i am stupid enough to be self employed.

 

Money being tight and getting even tighter i have allowed myself to get in trouble with my council tax.

 

On my 2016 account i owe £116 + £75 compliance stage fees, this is now with Collect Services.

 

I have agreed to pay £20 per month on this which should get me out of trouble.

 

Unfortunately,

and please don't judge me as i have suffered and still am with severe depression along with many "real" ailments

,i have now got into trouble with my 2017 council tax.

 

I received the bill in April with imstallments,but i have not paid any.

 

So far the council for whatever reason have not contacted me,

i am going to start paying the minimum amount plus additional to catch up,

 

 

however i do not see the council accepting this and fully expect it to take the same route as the 2016 account and end up in the hands of the bailiffs ...

 

ANY ADVICE ON HOW TO DEAL WITH THIS WOULD BE GREAT.

 

Thanks

Dan

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so which year has the

Intended notice of taking control of goods [you write about in your header?]

 

 

been served for and when was it served?

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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Hello,it was served on 22nd May for the 2016 account for which i have now agreed payments terms with them,so really 2016 is not a problem (hopefully).

2017 is what worries me,and i mean really worries me.

Dan

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ring the council and tell them then.

 

 

just have a look at what you spend money on

 

 

mobiles credit cards catalogue debt loans etc ALL need to take a backseat - drop them down to £5pcm or less.

 

 

CTAX, rent/mortgage , gas/electric are priority debts and must come first

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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Good advise from DX

I got myself into a similar position but worse,

now under control,

I have 3 LO's outstanding having paid off 2 others.

it spirals out of control, you must be firm but fair with the council,

if you get some like Citizens Advse involve the council may listen.

 

speak to the council . come to an arrangement to extend over the full amount, of time remaining to March next year,

it may help to spread the burden.

try not to get in the same position as it cost me £95 x 3 LO's 3 x £75, on top.

 

Leakie

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Thanks for the advice.

I am waiting for a call back from the council and i will tell them that i can pay the complete outstanding amount spread over until next March.

Dan

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I definitely agree with the above sentiments, about cutting back on mobiles TV subscriptions etc. However, you are making this way too harsh on yourself. I may only have a couple of posts but I have been through years of Bailiffs, AOE's, etc and have been in far worse arrears than you are. I am now up to date with everything to the current month so finally feel qualified to share my experiences.

 

1. Your local council's own code of practice will take into account your illness, especially depression (classed as a vunerable person). You want to make sure that you are talking to somebody in the revenue collections department, as opposed to a call centre operator, preferably as senior as possible. You will find they will (mostly) be incredibly sympathetic! There is also absolutely no way they will go down the bailiffs route either in the illness situation. A letter from your GP may be needed here if they ask.

 

2. You are safe from the AOE route, being self employed !

 

3. If they still insist on an arrangement that will cause you hardship. Phone and email your local councillor / head of Council. In the email along the lines, of

 

' I want to pay as much as I can afford, but it's not much because of xyz illness and XyZ financial problems' The council have demanded X amount, I am happy to pay x amount reviewed in 6 months , as I want to be able to clear this debt'

 

In my experience it's these local councillors who have done the impossible. Providing you show willing to pay, often things will be sorted out within 24 hours using this route !

 

Any questions feel free to ask ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Some good points from London 1971, the only issue is that problems arise when a council is infested by Capita.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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