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    • Thanks very much indeed for this. I'm very pleased you've had a result – and also it's very satisfying to have had the result on the back of a judgement and having issued the warrant. Did you get everything back including all of your costs and the cost of the warrant? Did you get the full value of the judgement – including the compensation for conversion of this apparently damaged bag?   It will be very interesting and appreciated by many people if you would post up a copy of the judgement please. I think maybe we will use it as a trophy! We've received a donation – I'm not sure if it was from you, but I responded by email. Thank you very much indeed once again  
    • 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  
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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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Cabot chasing SBd black horse loan debt***Account Closed***


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Hi all.

 

Really appreciate an opinion on next step, if indeed I should even bother.

 

I had a debt with Black Horse which I disputed with them in 2008 approx.

I received many letters from various agencies over the next few years, Clarity, DLC, and Lucas, up until 2013. I didn't ring or write to them and certainly never gave them a penny.

 

This became Statute Barred in around 2014.

It hasn't been on my Credit Report since about 2014.

 

Out of the blue today I received a letter from Cabot saying they now have my account and list some methods of payment etc'!

 

Love to hear your thoughts.

 

Cheers,

Billy.

Edited by dx100uk
Spacing..move
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Ignore or at the very least send our Statute Barred letter..although you may get into letter tennis.

 

 

Andy

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Have you moved since taking this out?

And did you inform the OC or the debt owners of the move?

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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Thanks Andy. Wondered if it was worth just ignoring them.

 

No dx100uk I haven't moved. Been at this address 12 or so years and it's the address they were writing to me previously.

 

Also dx100uk I should point out I have financed another vehicle with Black Horse since then and have paid it off.

 

Cheers

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Let it run 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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By that I guess you mean ignore them?

 

Cheers

 

 

Yes, see if theyr'e dumb enough to go for a claim.

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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wasn't a secured loan was it?

probably car finance?

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

Send them our sb letter in the debt collection section of our library

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
Send them our sb letter in the debt collection section of our library

 

Thanks I will. I assume it's ok by email? Then I have a record of it being sent.

 

Appreciate your time.

 

Regards,

Billy

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No post it

Get free proof of posting from any po counter

2ndclass will do

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
I assume it's ok by email? Then I have a record of it being sent.

 

 

Never EVER communicate anything via email, keep EVERYTHING in writing, and ALWAYS obtain 'proof of posting' (which is free at any PO counter) that is the ONLY way to prove it has been sent.

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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Never EVER communicate anything via email, keep EVERYTHING in writing, and ALWAYS obtain 'proof of posting' (which is free at any PO counter) that is the ONLY way to prove it has been sent.

 

Thanks mate. I will post it.

 

Cheers,

Billy

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don't waste money

all you need is proof you SENT it

use 2nd class post and free Proof of posting from the PO counter

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
don't waste money

all you need is proof you SENT it

use 2nd class post and free Proof of posting from the PO counter

 

I will. Thanks so much for your help.

 

P.S Just noticed that on my letter with a Cabot letterhead the letter starts with "Welcome to Cabot" but goes on to say this " In order to continue providing you with the best possible service we have returned your account to Cabot to deal with you directly"!!!

 

That sounds an awful lot like one person working for Cabot and dlc and he forgot which company the letter was from midway through writing it.

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Yes, unfortunately they're not very bright :)

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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nope they should now cease all comms

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

haha you do know how DCA's work don't you...

admit its sB'd...:lol:

very rarely

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
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