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    • Hi there, sorry to hear of your situation but I have some excellent help for you, as unfortunately I have been in the same place at one point, owing more than £6000 in back council tax.   None of this is your fault, we are in the most serious public health and economic crisis for 100 years, councils are desperate to shore up their finances, unfortunately this means they are taking a rather blunt sledgehammer approach.  Right now, speaking to the call centre or recovery team is utterly pointless, I remember them sneering at me on the phone when I had no money to pay my rent. All it will do is get you nowhere and stress you out.   If you listen to me this can all be sorted out by tea time tomorrow, but before I explain, I need to make one thing clear.  You will not go to prison, end of.   So here is your course of action for Monday AM   1. Google your local Councillor and Elected head of council. Their mobile numbers and Emails should be on Google.  2. Ring your local councillor and explain everything, just as you did here. 3. If you don't get through to the councillor, leave a Voicemail and send an email explaining everything. 4. Ring up your GP / Consultant and ask for a medical note explaining what your illness is and all of the treatments with Side effects.   5. Google or ask for a copy of your local council's code of practice for collections.   Your councillor will likely be very concerned about poverty levels, and they have complete power to override  anyone in collections at the local council. Unlike the Finance team or call centre who probably don't care a fig.   Email to local councillor along the lines of   Dear XYZ   I am in a situation where I am unable to work because of my illness, and am now on Universal Credit, as I result I have fallen behind with my Council Tax. Unfortunately the demands I am receiving to pay up or receive a liability order I simply can't afford .  I understand the importance of Council Tax and know that finances are tight but paying this amount would mean not being able to pay my rent.  I hope you can understand the dire situation that I am in and would accept an offer of £x per month, to be reviewed after 6 months.  I am happy to send in any medical information from my consultant if needed. I look forward to your reply,   Kind Regards              
    • Thank you so much. I'll submit this tomorrow. I also visited the location yesterday, its 100 miles from my home. They've changed the signage, there's now a lot more small signs. There is an erected sign on entrance, damaged and the ANPR is actually fixed to the side of the burger king building.
    • Hello, I'm reading this as I have a similar problem - booking.com are refusing a refund and the accommodation are not replying to my emails. I have found the details for the CEO of booking.com but not the UK director of customer services. Please could you share this with me? Thanks. 
    • Did you send the note giving them the extension of time? When does the extension expire/date for issue of claim? I see that this thread started on 25 October. I have to say that when it started I thought it was going to be a quick fix and hadn't bargained for virgin's ineptitude which has certainly made it a lot more interesting but I'm hoping that March is going to be the month that it will finally all get sorted out. Surely someone responsible within Virgin has got to start taking a look and understanding the extraordinary mess that they have built for themselves and want to sort it out.  
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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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Tried to do IR lending compaint with Quick Quid. They said No as loans are over 6 years old.

 

Its not much but its a lot to me right now.

 

Also I didnt pay back one of the loans but it has been sold on, to PRA Group I think ....

 

Should I bother sending to Ombudsman? Or write this one off?

 

Have included the statement

 

Thank you all.

QQredact.pdf

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is the sold loan over 6yrs old last payment?

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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Ah! Not quite no ... looks like it was 29/12/11 unless I started to pay to whoever it was sold to ... which I think was mckenzine hall, but sure I had a letter from PRA group about this about 2 months ago.

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mucky hall don't buy debts so who was their 'client'?

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

Not too sure, this was in an email from QQ IN 2012

 

'As a result, we have SOLD your debt to a third-party collection agency. This agency owns ALL legal rights to the amount owed. All inquiries regarding this debt should be directed to the agency listed below.

 

If you would like to make a payment, please contact the debt collection agency:

 

Mackenzie Hall (0) 1563 554 788'

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their client should be listed on their letter

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
Tried to do IR lending compaint with Quick Quid. They said No as loans are over 6 years old.

 

.

had thought the fos could still look at matters over 6 years, depending on the circs?

IMO

:-):rant:

 

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No harm in trying

Its when you discovered you could complaint not any other clock start event

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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