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    • I purchased a bathroom tap for £125 from online company, 'QS SUPPLIES', in May 2020. It was duly fitted and all was fine until December 2020 when the top lever came away from the base of the tap rendering it useless. I immediately contacted QS SUPPLIES using their online complaints procedure and submitted a photo, as required. When after a few days I had heard nothing from them I called their CUSTOMER SERVICES team and was told that they were waiting for a response from the manufacturer, a company called 'SANEUX', I pointed out that my contract was not with the manufacturer and that I expected QS SUPPLIES to deal with my complaint. I was then advised to email them again, which I did...twice.... when they finally responded to my second email they asked me to send another photo of the faulty tap. This time, their response was that their,  TECHNICAL TEAM had looked at the photo and decided that the tap, "APPEARED TO BE FORCED", and therefore they would be, "UNABLE TO OFFER A REFUND ON THIS OCCASION".  So after  7 months of use and at a cost of £125, this company, on the strength of one slightly grainy photo have decided I am entitled to nothing. I have applied to be reimbursed by my credit card company under Section 75 but I am still determined to attempt to get QS SUPPLIES to take responsibility and would really appreciate any advice about the best way to go about this.  
    • Good news for me is that the Bounce Back Loan came through so I can pay the full car payment!  Thanks for reply.
    • Welcome. please follow the advice given above as to reading around the various stories and then monitor this thread for a full reply tomorrow  
    • Hi Everyone,  I am the seller in this case and want to thank the buyer for their support.  The bike was delivered to the local Hermes Parcel Shop really well packaged and sealed on the 3rd Feb with a receipt obtained.  Sadly the parcel was emptied on route to the buyer.   I had listed the bike for collection only however the buyer messaged and asked if we could arrange a courier to which I agreed and they organised that.  When the bike went missing I contacted the local police as the Hermes parcel shop said they would not release CCTV to me.  We got all this from the Police.  since then the buyer has tried his very best which I am grateful with Hermes and parcel2go but is struggling.  Any help is appreciated. 
    • Also, you should start a claim against Hermes. Post your story on the Hermes sub- forum. Give us a full breakdown – including dates and value et cetera. We will help you get your money back
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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

Advice wanted for old DCA debt.

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Hi everyone


Looking for some advice regarding debts my wife and I have.


So a little history. We took on several credit cards and a catalogue account. I lost my job and was unable to make the minimum payments after racking up the debt.


Debts were eventually passed on to DCAs. Here is a list of them with current amount owed:


Cabot £1200 (Wife, originally HSBC - 2007)

Moorcroft £1800 (Myself, originally HSBC - 2006)

Capquest £2200 (Wife, originally Littlewoods - 2014)


Debts have been through various other DCAs such as Fenton Cooper, Arrow Global etc. apart from the Littlewoods debt.


We were making token payments based on the advice from CAB while unemployed.


We have offered settlement amounts to all of them several times over the years only to be ignored or refused (around 40 - 50%). Capquest's best settlement offer at the moment is 29% off.


Anyway, eventually got back into work and have been for a few years, and wife increased repayments to £50 each per month in the hope of eventually paying them off to be debt free.


Today we applied for a mortgage since we're paying a fortune in rent and were refused on wife's credit rating. We had a look at her credit report today and found that when Littlewoods sold the debt they closed the account with a default notice in 09/2014.


From what I've learned, Capquest can no longer add any more default notices and it should disappear off her credit file eventually and we'll have to wait until then to re-apply for a mortgage.


After spending some time today reading through various forums including this one, I have realised we been complete mugs paying the amount we're currently paying as it doesn't appear to have any impact on our credit ratings.


Should I still be paying these idiots? Should I go back to token payments for the rest of our lives? I now realise there is not much benefit in us paying these debts off. Or is it worthwhile persisting with them to get a reasonable F&F?


Any advice would be most appreciated. Thanks.

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Hi soldat and Welcome to CAG


Cabot and Capquest buy debts so they may be the legal owners of the debts now...(Littlewoods to Capquest ?) I would send them a CCA request for a copy of the agreements


With regards to Moorcroft..they dont and only collect on behalf of ...so send their client a request for that agreement.


They have 12 + 2 days to comply and if they fail the agreements are unenforceable in court unless with the courts permission.


Subject to their responses you can then review your current payment options.





We could do with some help from you.



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

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Thanks Andy


I believe Arrow Global are the people Moorcroft are collecting on behalf of.


I've read up on CCA requests so will get those sent off. Do I continue to make the same payments as normal between now and the date to comply? I feel like I'm chucking money away if they don't come back with the agreements. (one can hope)





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Yes...as they make come back with valid copy agreements.

We could do with some help from you.



 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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Cheers again Andy


Wife is panicking. Found some info about on another debt advice website stating if we've sent F&F letters in the past that we've admitted responsibility for the debt. I assume that these hold no weight legally if they don't have the CCA?

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F&F offers are not necessarily an acknowledgement of debt...it could have been made under duress by anyone...even by the the wrong person unconnected to the agreement.


An acknowledgement of debt, commonly referred to as an “AOD”, is a document which contains an unequivocal admission of liability by the debtor.

We could do with some help from you.



 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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  • 3 weeks later...

Hi Andy


I posted the CCA Requests off on the 6th August.


I've finally had a reply from all three DCAs.


Arrow Global: We do not accept we are the creditor as envisaged but are willing to assist with the request. Collection is meanwhile suspended. Find enclosed your postal order.


Cabot: We've been unable to get the information requested from the original lender so your CA is unenforceable. But please continue to pay us (pretty please).


Capquest: We've forwarded your request for documentation to Shop Direct Finance.


Since it's been 10+2 working days, I assume its safe to stop all payments?





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2 debts now removed from the cash cowers milking parlour

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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Received another letter from CapQuest today. Placing our account on hold for 28 days while they wait for a response from Shop Direct.


Thanks for all your help guys. Only wish I'd found your excellent forum earlier.

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