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    • not sure what you think is going on but they are nothing to do with any official court forms... it's merely a process and fleecing debt buyer must go thru should they be thinking of requesting northants bulk issue a speculative court claim on their behalf.   just send it as is dont change it.   as for d: just put .....the debt purchaser has yet to provide any or all of the required documentation.   dx    
    • if you type in auxillis is our search top right in the red banner you'll see this con over auxillis and supposed courtesy cars , but it's not its an HP agreement is well known here.   9/10 it's ends up with you fronting a court claim out of your own pocket for auxillis against the other parties insurance company that you don't stand a chance of ever winning for a claim against them for the excessive HP hire car costs you got scammed with.   may i be frank that whomever told you looking at the circumstances of you incident that you'd ever win a claim and it not be 50/50 was wrong.   you were in a narrow road in a housing estate with cars parked down one side on a blind sweeping bend exceeding the speed you should have been doing for the stated weather conditions. running into someone's side that pulls out infront of you in such an area and it being where you live too so you know it well would never be the other parties sole fault even without the poor weather. if this were to go to court IMHO you would lose.   sadly shows you were not p'haps driving with due care and attention. hence your ins companies stance.
    • I did see not to give those details out, but as these could wind up official court forms, I dont want to be on the wrong side of it.   the areas in boxes D and I, is it ok to say ""refer to appendix A, refer to appendix B"? There s a REALLy long list of "what the hell" I want out of them as this is making zero sense. Not only that, I've got a long list of "this is the hell" I need to send back in the dispute too.
    • the debt has been sold not passed on and yes there is no legislation that prevent a disputed debt being sold.   as for your other questions go read post 4 of that thread again carefully it's all there.   dx  
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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 all

I was a virgin media customer for years before someone manages to hack into my connected sipura voip modem device making it dial prem rate numbers and ran up a bill of £8000 in a matter of 3 days somehow bypassing the credit limit on my account.

I have sent an email and called vm to try and sort things out to no avail Vm have made us responsible for the bill blaming the third party device and saying I shouldn't have had a third party device on the line?

 

Somehow I think that vm are not telling me everything and that it could be someone inside vm that was the person who made the calls how was my credit limit bypassed?...

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Simply refuse to pay it

Stuff all they can do to tou

 

No harm in reporting it to actionfraud either

 

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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Hi and Welcome to CAG

 

How do you have a credit limit with VM ?

 

 

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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Thanks for responce...

I have been in contact with action fraud.

... loved my vm connection and would love to get it back.

...i just wish vm would take it to court as it's been passed around different debt Agencies...

would like to get this sorted so we can get vm connected again...

 

Vm have a had max credit limit on my account to stop very large bills...

 

even the person at Vm fraud team said he did not understand how the bill could get that much without alerting me that something was happening,,

,£8000 in 3 days thats a lott!

 

looking at my bill its numbers is nigeria and some other numbers that the person prob owns and he calls them to make ££££

 

the same thing as the dialers in the dialup days but this was not a dialup modem.

it was a sipura spa-3000 a voip gateway device..

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even the person at Vm fraud team said he did not understand how the bill could get that much without alerting me that something was happening,,

,£8000 in 3 days thats a lott!

 

.

 

 

Presumably you didn't record this. Read our customer services guide and implement the advice there. Then have further phone calls and see if you can get someone to say broadly the same thing – but this time recorded. Then I think you have a basis for a good case.

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So was your VoIP account with VM?, Normally the VoIP modems just use the data side from your BB provider and you pay someone else for using their VoIP service.

I would have thought the bill would be from your VoIP provider?

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Isn't the Spa-3000 a PSTN/LMCE/Asterisk gateway, rather than VOIP? So although connected to your network, it still uses the PSTN line to make calls.

 

 

If this was a call to Nigeria, standard VM rate is 168.51p/min. So assuming that it didn't get cut off, or it re-dialed each time it did.

 

3 days is 4,320 minutes.

 

4,320 times 168.51 is 727,963.2p or £7,279.64p

 

 

But that doesn't answer the question of how it seems to have busted through the cap that you had on the line/credit limit on the account. The only suggestion I have for that is that it wasn't properly applied by VM. So VM are going to have to swallow it.

 

 

 

As for being told by VM that you should not have connected it. Their standard terms & conditions do not exclude attaching your own equipment to theirs (although not replace their actual modem (which you didn't)), the only mention of it is that they will not guarantee that it will be compatible, so that's a non starter as a get out for them as well.

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Isn't the Spa-3000 a PSTN/LMCE/Asterisk gateway, rather than VOIP? So although connected to your network, it still uses the PSTN line to make calls.

 

 

If this was a call to Nigeria, standard VM rate is 168.51p/min. So assuming that it didn't get cut off, or it re-dialed each time it did.

 

3 days is 4,320 minutes.

 

4,320 times 168.51 is 727,963.2p or £7,279.64p

 

 

But that doesn't answer the question of how it seems to have busted through the cap that you had on the line/credit limit on the account. The only suggestion I have for that is that it wasn't properly applied by VM. So VM are going to have to swallow it.

 

 

 

As for being told by VM that you should not have connected it. Their standard terms & conditions do not exclude attaching your own equipment to theirs (although not replace their actual modem (which you didn't)), the only mention of it is that they will not guarantee that it will be compatible, so that's a non starter as a get out for them as well.

 

Yes - It connects to both the router and the PSTN socket on the wall. Because calls are dialled in - Mobile to the gateway where it then dials out over the internet to permit cheap calls.

So technically it is a PSTN Gateway but also does use VOIP. Im guessing that someone hacked into the box and busied up the landline for a few days constant dialling to Nigeria of all places.

 

Tollfraud is a nasty thing. If they have Telnet'd into your VOIP Gateway... They can make some funky things happen!! :/

 

As for VM well... Difficult to say. They are technically not liable for it as was a 3rd party gateway. However you would think tthat their Tollfraud teams would have picked something up and also why didnt the credit limit kick in and bar the line?

 

Nigeria is classified as a high risk country - VM should do more - Have you emailed the CEO?

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I knew you'd know. :lol: Thanks for the much better explanation than I could manage :thumb:

Please note that my posts are my opinion only and should not be taken as any kind of legal advice.
In fact, they're probably just waffling and can be quite safely and completely ignored as you wish.

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Thanks fko

 

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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