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    • So 2 days following the warrant issue.. Hermes finally contacted me to arrange payment and said they had not received my prior claim letters hence the lack of response? But they received this one though didn’t they before the bailiffs are in!   Am incredibly pleased and thankful to CAG! I didn’t know this great  community would be what I find back in Dec from a quick search! Really appreciate the time taken to help me on this and I wouldn’t have a clue without it! I have just donated. Its forums like these that really makes a difference to society, so we need to keep it going!   Key points to note: Hermes Parcelnet Limited (UK entity and HQ in Leeds - address to this) Don’t use packlink for high value items (it links ebay details to the courier selected) Never use Hermes for high value items EVER!
    • ???   you ignore them until they comply and we confirm the filing cabinet copy and paste bogroll they send IS enforceable. cause i bet you 100% it won't have come from them awaiting the OC to send it....their raiding their filing cabinets now i bet..
    • Still waiting for these diagrams. We've been dealing with this story for nearly 48 hours now and we are only starting to understand exactly what happened and we still haven't got information that we've asked for.  
    • Dx100uk well not really, considering he pulled out on me from the side of the road. He should have gave way. Why do you think he has told a different story to his insurance ?   Because he knows if he has said he pulled out on me he would be held liable.   He pulled away from my left hand side then braked- leaving his van in an angled position, it literally happened within the space of a split second  
    • Update: the lawyer friend sent a very good legal letter last week  The third letter will be sent over the next few days - here is the proposed text - your comments welcome as ever: Dear Will & John Letter Reference:xxxx I write with reference to your recent letter in relation to PCN numberxxxxx You threaten Court proceeding on behalf of your client yet your client’s rationale for charging me has no legal substance. An alleged parking offence as a breach of an alleged contract.  I have no contract or terms and conditions with your client.   Furthermore, the sum you are requesting is fictitious. I have no intention of paying any monies to your client. You had no legitimate reason to access my personal details so are already in breach of GDPR by texting me several times on my personal number which I have not given permission for you to use.  Coupled with the several letters you have sent your persistence amounts to nothing short of harassment. Should this continue I will have no hesitation in contacting the ICO to report the breach. The letters I have received will be useful as tinder for the open fire in my living room now the weather has turned cold again. Should you wish to take me to court, I will be seeking full costs through a recovery order under CPR 27:14 which will come in handy now I find myself in the unenviable position of redundancy as a result of Covid. Yours Sincerely   Copied to PCM UK "you don't want to be Gladstoned"   Thanks AJJM
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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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I took out a 10k loan with Moneyway in 2014 which is now been paid back through a DMP with Stepchange, I received a letter to say it has been transferred to Alpha Credit Solutions, who are these people and what can I expect next - I literally cant find any info on ACS

 

Thanks

PB8111

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

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did y ou check the enforceability of the debt? FOr a creditor to sell a 10k loan to a DCA is pretty suspicious.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Good Evening Renegadeimp.

 

I wouldnt know where to start, in my opinion i borrowed X and havent paid back Y - I would welcome any advise this forum can offer in the next step, despite making numerous payments the debt still stands above 13k.

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

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What does your credit file say?

 

 

Have you got the original agreement for this loan?

 

 

Moneyway IS a trading name of Secure Trust Bank, who have recently sold a portfolio of unsecured personal loans to Alpha Credit Solutions, so this will be the reason for the sale.

 

 

http://www.iii.co.uk/alliance-news/1513876730656020000-3/secure-trust-bank-sells-portfolio-of-unsecured-personal-loans

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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throw the morality card out the window

this was car finance yes?

what happened

tell us the full story.

 

prime or alpha are based abroad and typically buy unenforceable agreements credit for

and then fleece people for the whole sum

they are a Debt buyer with ZERO legal powers

and NOT BAILIFFS

 

what others debts are you paying blindly to DCA's thru stepchange

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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thank you for your responses.

 

The Moneyway was a personal loan sold in 2014 - i do have the credit agreement which i can dig out if need be.

 

Also repaying a Zopa loan through DMP - originally amount with Interest 15k, now down to 8.5.

 

Paying Link Financial for OD on Halifax and HSBC

 

2k owed to Capital one for 2 x credit cards.

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

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Link

Stop paying them

If they are both OD's you are being cash cowed blind!

 

Hope you dmp is not with a fee paying fleecer too??

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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DITTO!!

 

 

DUMP paying Link for an overdraft, you need to reclaim ALL of the fees/charges including interest first.

 

 

Same for [email protected], reclaim all of the fees/charges, then drop them down to to £1 a month for the life of the debt. How did you manage to run up two debts with them?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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II had two credit cards with C1 - i think one of them was through a broker which ended up being Crap1.

 

Need to find a template to send for the charges and interest and fees etc if anyone has a template.

 

Will get them a letter sent off, need to do the same with Alpha as well if they have the credit agreement etc

 

Just checked and my barclaycard CC - £1100 is with a Cabot financial?

 

The debt peaked at 45k and managed to get 10k of it paid off but if im being fleeced blindly then i need to start getting some letters sent ASAP dont I,

 

Ive told Stepchange this month that i am receiving legal advice so wont be making this months payment until Ive had some replies...

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

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Leave the charges for now

 

Bar link

 

Send everyone you are paying any of these debts anything on a cca request

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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Thank you, ill get them sent over the weekend

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

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Letters sent at dinnertime - see what we get back, thanks for helping and im sure i will need help with advice once i get the responses.

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

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Letters sent at dinnertime - see what we get back, thanks for helping and im sure i will need help with advice once i get the responses.

 

 

Excellent well done, did you get proof of posting by any chance, or just posted them?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just posted them, but i am a patient man - if i dont get a response all the letters are saved on my desktop so ill send them again recorded

45k Debt - June 2016

35k Debt - May 2018

24k Debt - April 2020

 

The battle is slow but I will win the war

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  • dx100uk changed the title to Moneyway - and Alpha Credit Solutions
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