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    • ok well next time never use email esp when entering into what seems like pointless letter tennis on your behalf.?when you had no real need to reply to them in any manner or form.   it only encourages them you are a mug and gives them a free way to intimidate and harass you by email.   get some kind of records from saas/slc on what they believe is your current status as they do still do the Adminmost of these loans .      
    • ignore ...yes its not a letter of claim from a solicitor with their client being the Uni. until/if you get one of those pop back here.   no-one can add anything to any debt ...so can't increase it.   nothing to do with 'credit' but yes ofcourse you can request and they will have to produce all paperwork inc how they dealt with your dispute if the time comes and they move to court.   redwood or harwood are good names to put in our search top right in the red banner.        
    • Someone that specialises on the subject might be a better way to put it. 
    • Vauxhall's parent company has previously said its fate depends on the government's commitment to the car industry. View the full article
    • Apologies I hadn't seen that uploads need to be in PDF.   I have received the attached letter from STA which I assume is a standard letter as I've never spoken to them on the phone. I'm not sure what they mean by 're-commence recovery action'? Do I just continue to ignore them?   I have been in contact with the Uni who insist I need to pay the fees as I left the course after the first three weeks. They have not provided any evidence/documents that I signed an agreement to pay the fees or that I acknowledged that fees would be due if the course was left early. They referred me to their website which undoubtedly has changed since I was there.    I appreciate I shouldn't reply to STA however I'm not sure how to proceed with this overall.   I've read the claim form page and I'm not clear if I can request a copy of a credit agreement from the Uni as I'm not sure if its standard for a University to have required a credit agreement to be signed?    I'm not really clear what happens next and at what point I need to act. I've read about lots of different cases (fee related and non fee related) but can't find information on a case that is similar to mine. Do I wait until the Uni begins a formal action? I am concerned as I don't want the amount to increase from the already significant amount they are demanding.     Many thanks for any help you can offer.  staletter.pdf
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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
      • 31 replies

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hi just thought id post this see what happen

 

 

i have had a love hate relationship with the halifax for a number of years and just thought id see what anyone thinks on here as i keep hitting a brick wall .

Right i opened a credit card account with these jokers a number of years ago and having tackled them on two seperate occasions and won :whoo:

i thought id have a go at ppi

 

 

the way i remember it is i opened my account and i was forcefully persuaded that i should take out a ppi with it :|

fair enough my memory isnt what it used to be and we are talking more than ten years ago prob closer to 20 :!:

 

 

i could be remembering it wrong and i could of said no to the ppi

but way i remember it i signed up for it

 

 

they are saying i definetly didnt have one last letter off

them they got very shirty and said having checked your account again :oops:u did not have this with us

 

 

now what i want to know is

do i still persue this cos have started to do this 3 times now and then backed down when i got the fob off letter

cos am really not sure what to do cos

 

 

its 50/50 and is it worth the fight is this a standard fob off letter

or is this exclusive to me cos i cant keep starting this then getting stuck when they fight back yet again any ideas ppl ? xxxxxkia

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Well if you have been paying PPI then the payment should appear on your statements. On the basis that you don't have your statements you need to begin by sending them an SAR.

 

Do that now. Ask for everything they have got on you going back to the beginning of the account – in any form.

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Already tried that ages ago and they didn't send me true copies just a load of print outs which is wrong as it's not what I asked them for and doesn't show any of the payments I made or what I was been charged for so kinda hit a brick wall there 😧Xxkia

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when?

was this the one that cl took you to court over?

 

 

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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In addition to the questions asked by DX above, are you telling us that you send a subject access request – a statutory demand for disclosure which imposes legal duties, that they didn't comply and that you just let it go?

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Well if you have been paying PPI then the payment should appear on your statements. On the basis that you don't have your statements you need to begin by sending them an SAR.

 

Do that now. Ask for everything they have got on you going back to the beginning of the account – in any form.

 

I can do that but it dates back the account over ten years although I only decided recently to go after them again

 

they have continually fobbed me off at every turn saying I never had a ppi with them and as I couldn't prove it as no proper statements I gave up ��

 

Prob big mistake that cos it's been like an itch I can't scratch I always felt I should of pursued it xxkia

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