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    • Please start reading around the Hermes and P2G threats on the sub- forum. There's lots of material here and it's important that you go through them and understand the principles which are recurring all the time. There are huge number of similarities. Once you've done that, you will understand the basics of what needs to be done. And we will help you. You will need to give us a bullet pointed chronology what has happened including values, whether you are insured, et cetera et cetera. It would be nice that you deliver us the whole story without us having to follow up with too many questions. Start off by reading around
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    • I am hoping for some help. I noticed some readers state they have successfully challenged leaseholder charges. I am now being charged in excess of £2000 leasholder service charges on a garage in Kent. It is a simple garage. As it is a  non-residential the normal tribunal routes to appeal  the garage charges are unavailable. I requested an explanation of the charges. All the service company have provided is a list of charges nothing to say how these charges relate to my garage which has never been visited or maintained. I am charged management fees, account preparation fees, audit fees. The leaseholder forwarded my account to SLC solicitors three years ago. Three years ago I sent SLC a cheque to avoid legal action. SLC did not bank the cheque as they agreed that the charges are unreasonable. However the management company continued to issue charges on the garage. SLC have issued legal action again. I would love to hear from readers who have successfully challenged unreasonable leasehold service charges.
    • i can't find a lost scottish court claim for a speculative invoice... likewise i haven't seen any gauge of an increase in PPC's issuing court claims in scotland since the much trumpeted POFA changes in Scotland - if they even happened or changed anything   it pers concerns mea bit  more as you say you've read up....focussing on POFA.. that you still appear not to have understood the very 1st basic principle of PPC things ..they are not FINES.   if they did get sheriff officers to issue a claim, and again there is no data to indicate any increase at all in them doing so, bar a handful of cases you can count on one hand in the years before, there would be plenty of chances to fold .
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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
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Backdoor Arrow CCJ for MBNA CArd debt - now N56 ***Dismissed***


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looked at the credit file

it's not good reading

id say 5 ccjs in total and no real way of paying them off

 

she had an iva for them and when she couldn't keep up the repayments they have it seems gone for her

 

i thought bankruptcy as she won't ever be able to pay them off

 

any idea

of course she can fill in the form and they can take it from her wages but as she has so many she will never be able to repay them

maybe the judge will see this but they seem to be on the side of the banks

 

any help appreciated

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It's only one of them, don't kick the others if they are not chasing.

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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agreed

 

so

 

still no wiser as to who she owes the debt with !!!

not on her credit file

what can we do to trace the debt to see if its sb

she can fill in the form and send off, however, what if she doesn't owe???

which should i do first

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Post 19

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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Court call found that the debt is from MBNA

we have asked for the original copy of ccj and the claim form to be posted which they are doing today

- if anyone is following this, the best time to get through is early. Press 2 then 3

 

attachment of earnings sent off

so what would the next step be

shoosmiths holds the debt/ccj - I don't think they should be called

who would I go to

mbna?

what if we don't have any data at all such as account no etc etc

 

bump

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Depends what you want to do next......accept the CCJ and comply with the Attachment of Earnings (which you have completed and sent off)

 

Or do you have a valid defence and wish to set a side the judgment and defend the claim.....in which case you should have ticked suspend the attachment of earning (N56).

 

Andy

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

 

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well yes, id like to defend it if it is defendable andy.

so I want to cca someone

also, she was with payplan it seems so its more convoluted

 

I don't think she ticked suspend the action

we didn't know to do that

i do now

 

thanks

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when do you think her last payment was?

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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done it

 

go ring MBNA and ask then!

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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urm..last payment date:madgrin:

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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here is the response

 

can I get a definitive answer to what this actually means from the mighty forum - dismissed to me means dismissed however that does not mean that the end of this story

thanks for looking

NO44.pdf

Edited by stu007
PDF Redacted
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You must redact things!!!

I 've hidden that

 

They have 14 days to object

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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i thought i did!!!

sorry

 

but what does the term dismissed mean - that the judge has decided to dismiss it on the grounds of her statement of earning?

what have they dismissed - the case of her repaying something?

 

thanks

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no redaction at all every pers number and names still shows.

 

read it slowly and properly..

 

after reading the N56 means statement he has ordered the AOE is dismissed.

if they object the claimant has 14 days to do so.

 

 

if I dismiss you from your job that means??

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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Post 30 Attachment hidden

All pers details showing

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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  • 2 weeks later...

hi

 

we have a response from shoosmiths

I am worried to upload

i did everything correctly yet it still shows all the personal details

i will attempt again

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I dont think its any of their business how you intend to sustain you current level of expenditure and deficit.....offer what you can afford.

 

 

Andy

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 The National Consumer Service

 

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

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its been dismissed by the judge

she hasn't a spare anything really

we offered 2 pounds the judge still threw it out

 

thanks for looking in

any observations appreciated

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what been dismissed? the AEO?

if so well done bloody nose for arrows again...

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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  • Andyorch changed the title to Backdoor Arrow CCJ for MBNA CArd debt - now N56 ***Dismissed***
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