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By BankFodder · Posted
I think you need to start giving us details of the alleged debt including date, payments made, creditor, give us the whole story. It's really difficult to give any advice without that basic information. I expect that my site team colleague @dx100uk will be along later more maybe tomorrow and we'll give advice but probably also ask for more information -
Hi Back in October 2020 I received notification from Link Financial for a defaulted Barclaycard (Taken out in August 1991, Defaulted August 2016, Debt is a little over £9K) and requested a CCA. Early December 2020 I received a letter saying that they did not have/could not get a CCA and the debt was unenforceable. Now I have received a reconstituted CCA and the debt has now become enforceable. I have had no contact with link besides send the CCA request and £1 postal order. They have tried calling me several times and have left a couple of messages to contact them. There are several issues I have with the reconstituted CCA. · Uses my current address - not my 1991 address · Uses Barclaycard Headquarters address of Pavilion Drive Northampton NN4 7SG – I found an article on the internet (East Midlands Business Link (Barclays purchases Northampton Pavilion Drive headquarters - East Midlands Business Link) which quotes ”Pavilion Drive, which currently houses 3,250 employees, has remained the UK headquarters for Barclaycard for more than 20 years since the building was opened in 1997.”, so not their address in 1991. · It states “If your card is Contactless” – Barclaycard issued first Contactless cards in 2007. · The Barclaycard contact phone number of 0333 200 9090 - Ofcom introduced 0333 numbers in 2007 These are just the obvious anomalies that I have noticed. Does this still constitute a “true copy” of the original? It looks like they have just used a recent version and inserted my current details. How do I respond to this? Any advice will be much appreciated. Thanks
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By honeybee13 · Posted
tomtom knows far more about this than I do, but I'm wondering if it's possible there would be 'bedroom tax' issues with having three bedrooms if the housing benefit people deem that you only need two. Sorry to be negative, I think it's worth checking in case it's a problem. I wish you well with this. HB -
By honeybee13 · Posted
Hello and welcome to CAG. As you're at the pre-court stage with this, please could you let us have the information requested in the forum sticky? That way we can start to advise on how to deal with your case. Please sit on your hands until the forum guys are able to get here. https://www.consumeractiongroup.co.uk/topic/391121-have-you-received-a-parking-ticket/ Best, HB -
By webbscatering · Posted
this is part of the pack Shoosmith sent the entire contents are 54 pages and when merged into pdf it come to 33mb even with the images at 200dpi. The parts I have not posted are the statements from June 2017 to Sep 2020 and a financial means form. Doc 2.pdf
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Our picks
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Post in Court Claim Against Hermes - item sent via Packlink was lost/tampered with **WON**
jj58 posted a post in a topic,
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!
Picked By
BankFodder, -
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***Hermes and mediation hints ***
BankFodder posted a topic in Postal and Delivery Services,
Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003-
- 1 reply
Picked By
BankFodder, -
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Natwest Bank Transfer Fraud Call HMRC Please help
waz70 posted a topic in NatWest Bank,
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-
- 31 replies
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waz70, -
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Hermes lost parcel. **WON**
murraynt posted a topic in Postal and Delivery Services,
Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/-
- 49 replies
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Parking eye ANPR PCN - 10 mins stay - lido car park Margate Kent
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