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    • Yes, but they definitely haven't supplied you with any data relating to that account?  
    • Whinge, whinge, whinge - there can't be a bigger pair of whingers in the country than you two.  All day every day that's all you do.    
    • Yes,the last letters I have received dealing with my complaint and SAR request all explicitly state  Complaint Reference:xxxxxxx Telephone Number: <the unknown line>      
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    • Hi everyone,  Recently I did a financial statement for the CAB and it turns out that I have been overpaying my rent by £48 per month for at least 5 years.  I am on Housing benefit and have been paying £100 per month to cover the short fall in the benefit payment. I contacted my letting agent querying this and was told that my account is showing that I am just current in the amount I owe, not showing a credit balance as my calculations seem to show. My rent is                £700 per calendar month  or          £8400 per year Housing benefit     £594.08 x13 - 4 weekly payment   £7723.04 per year My top up                £100 x12 calendar month              £1200 per year                                                                                              £523.04 over payment per year   I think the maths is correct and I think this situation arose because a one point we were in rent arrears of about £1000 and agreed to clear the arrears by paying £100 a month rather than the £52 needed to cover the HB shortfall. We have continued to pay the £100 per month since that date.    My question is how do I go about getting a break down of all payments to my agent and what to do if they refuse to cooperate.   Thanks in advance  Gary44
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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

Full and final settlement - can I still offer?


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why?

what are the debts please?

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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More infobplease. You should always think hard about a debt owed to a dca. Very rarely they're ever enforceable

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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More infobplease. You should always think hard about a debt owed to a dca. Very rarely they're ever enforceable

 

The debt to Studio I have been paying for about 2 years at £50 per month. There is a balance of about £550

 

The Barclaycard debt I have been repaying at £25 per month for about 10 months. The balance is about the same.

 

They both appear on my credit report. I just want rid of them now, I have a chance to knock a hole in both.

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Are you sure the debt balances are fair and accurate ?

 

If not, get hold of statements from studio and Barclaycard.

Also ask the DCA's for statements of what you have paid them.

 

Perhaps charges and interest applied are unfair or wrong ?

 

You don't want to be handing more cash over, before you have investigated what you owed originally was fair/correct and the repayments are therefore fair/correct.

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Actually I have started an irresponsible lending complaint against Studio.

I have had several cases upheld by the FOS recently which date to the same time as this so I may just hang fire against them and keep paying off.

I made an SAR to Studio who haven't sent it to me within the timescale they said they would. Still waiting.

 

Barclaycard I was just paying the minimum payment each month by DD but it was over limit and the charges piled up.

I stopped paying to make it go into default and prevent interest and charges accruing further.

Stupidly I ignored their letters and they did reduce the balance but I continued to ignore until it went to a DCA.

I think they still own the debt.

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I would.have sent a cca request. I've a very strong suspicion you're being cash cowed hard.

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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Send each dca you are paying a cca request

 

Never blindly pay a dca

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

we haven't said stop paying...yet!!

but if they don't hold enforceable paperwork..then you are being cash cowed.

 

throw the morality card out the window

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

Cash cowed means you are willingly giving them money for no reason.

Just because you morally owe it doesnt mean you legally do.

 

DCA's buy debts for 10p in the pound and then try and chase you for the full amount. T

hey rarely have the paperwork needed to enforce the debt and they do NOT care about law or regulation.

They will do anything to get money from you.

  • Confused 1

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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In terms of what?

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 would expect your debts are already defaulted and/or not showing now anyway?

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

Both debts show on the credit record.

One as payable to the DCA (Cabot, but The Studio account shows as closed and satisfied) and

the Barclaycard shows as a default with reducing balance,

I pay a DCA for that one but it doesnt show.

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If cabot have the account CCA them asap.

They dont chase enforceable accounts.

They are bottom feeders.

 

Which DCA do you pay for the barclaycard?

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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A debt is removed from your file on the defaults 6th birthday paid or not paying or not

Makes no diff

Once its gone it cant return

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

Bet its link or robbersway for hoist

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

Moorcroft dont buy debts. Pay barclay card direct . Not their pet sheep who try and add on charges.

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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