Jump to content


  • Tweets

  • Posts

    • but the other debts are part of this big picture and its eventual solution a rough idea will help.   if if if they ever get another powerless repo/dca involved, they will tell you well in advance.   help us please
    • to do what they are powerless...   you like 10'00'000 of other s jump because a dca says this or that a DCA is not a bailiff and has zero legal powers on any debt no matter what its type.   another one of your issues is following stupid freeman of the land twaddle. very dangerous.don't   moorcroft dont by debts they only act for clients.   as long as you don't run from debt and insure the debt owners or 'the client' has from you a letter which states your correct and current address or you did so to the Original creditor before any sale or your haven't moved since taking 'the credit' out you are safe from backdoor CCJ's to an old address.   sit on your hands and see if the owner of the debt want to issue a letter of claim. if they do  you return here   A CCJ - which is the only tool they have - because just like us joe public, its the only thing we can legally do if we claim someone owes us money - they have no more powers that you or me
    • That is why I (specifically) said "the lender".
    • eeeh i see ... I just really need a little help, that's why I am here. Being funny does not mean that I am a troll or something and English is not my native language. I just don`t know what to do next, that`s all
    • Just to be clear the dca doesnt decide where a debt shows the oc does that upon their backdoor sign ups with contractors.   lets await the sars    
  • Our picks

    • 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

Please note that this topic has not had any new posts for the last 1271 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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

Link to post
Share on other sites

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.

Link to post
Share on other sites

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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?

Link to post
Share on other sites
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

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...