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    • Hi,   So, I received a letter today from a debt collection law firm threatening CCJ action on behalf of Volvo/Santander for a voluntary termination of a vehicle. (I did request Volvo/Santander that a complaints procedure be started as I think the terms of the contract were miss sold but alas, they ignored me and went straight to CCJ action via a debt collection law firm!).   I digress, anyway, so the letter was addressed to me, it included my original signed contract, but, there was another document inside. This document was another hire contract with some other person details on it!   It includes:   Their full name Their address and postcode Their handwritten signature Their email address Their mobile telephone number Their debt amount Their vehicle registration    Is this a breach of the data protection act? On the flip side, my details could be in the hands of someone else, who knows?    What should I do now, is this a trump card that I could use if this matter does actually go to court? I did intend to argue against this debt in the first place.   Any advice on this would be most grateful!   TIA         
    • Hi guys   I received a county court claim form on Thursday dated 18/02/2021 saying that the claimant (CABOT FINANCIAL (UK) is claiming for the sum of £2140.14 on behalf of  NEW DAY LTD RE MARBLES. but it requests all documents to be sent to MORTIMER CLARKE SOLICITORS.   Now i think i did have a marbles card a while ago although my partner says that that was a capital one card.   But either way i don't like the idea of these parasites chasing me for money for a debt they probably bought for £10.    From looking around here it seems that i should be sending them a CCA request and a CPR 31.14.   I've bought a £1 postal order.   Is there anything else i need to do?   Thanks for any help given
    • Yes that is an absolute must. Generally the Council has no wish to see people committed to prison for Council Tax debt. They want to see the debt recovered where it is properly due and the debtor has the ability to pay. If he hasn't that ability they will take into account the debtor's financial situation and make any arrangements they can. But only a court can remit some or all of the debt. The more you engage with the Council the easier this will be.
    • I think you'd need to have formally noted you were working under protest at the time. 
    • I just wanted to say hi guys   Hopefully i can learn from you guys and then help others on here.
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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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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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