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    • Thanks dx. I will ignore until I hear anything further from them.  
    • So, so far we have -   1.  Appalling signage with the £60/£100-ish charge in particular being illegible.  No PP either.   2.  Double dipping, you actually obeyed what was on their silly signs.   3.  No locus standi.  A blank unsigned template is not a letter, let alone a contract.   4.  Double recovery.  As well as £50 legal costs they have invented £60 Unicorn Food Tax.   WS in post 99 is useful for (1), (3) & (4)  https://www.consumeractiongroup.co.uk/topic/417771-cel-pcn-claimform-tenerife-buildings-station-road-south-gosforth-newcastle-ne3-1qd-claim-discontinued/page/4/#comments   WS in post 87 is useful for (1), (3) & (4)  https://www.consumeractiongroup.co.uk/topic/421029-opcdcb-legal-anpr-pcn-paoloc-now-claimform-overstay-st-johns-retail-park-wolves-claim-discontinued/page/4/#comments   WS in post 122 is again useful for (1), (3) & 4  https://www.consumeractiongroup.co.uk/topic/410445-ukcpmgladstones-windscreen-pcn-claimform-vista-centre-salisbury-rd-hounslow-tw4-6jq-claim-dismissed/page/5/#comments   WS in post 58 with comments in post 59 useful for (3) and (4)  https://www.consumeractiongroup.co.uk/topic/422971-excel-anpr-windscreen-pcn-claimform-brewery-st-car-park-chesterfield-on-0207-2018-claim-dismissed/page/3/#comments   I haven't got time to look at the lot, but there are probably useful WSs in the following (scroll down the pages till you come to the WS, which will always be an attachment)   https://www.consumeractiongroup.co.uk/topic/419899-ukcpmgladstones-spycar-pcn-claimform-no-stopping-trinity-park-birm-airport-claim-dismissed/   https://www.consumeractiongroup.co.uk/topic/414313-cpmbw-windscreen-pcns-bw-pap-loc-now-claimform-residential-car-park-the-citrus-building-maderia-road-bournemouth-claim-dismissed-with-costs/   https://www.consumeractiongroup.co.uk/topic/421756-vcs-pcn-claimform-broomfield-developements-broomspring-close-s37xa-claim-dismissed/   https://www.consumeractiongroup.co.uk/topic/429200-excel-pcn-claimform-broomhill-roof-car-park-in-sheffield-claim-dismissed/   https://www.consumeractiongroup.co.uk/topic/419312-vcs-pcn-claimform-no-stopping-in-restricted-zone-bristol-airport-claim-dismissed/    
    • I don't understand why Leave.eu would want to leave and then stay in Europe anyway. I'm sure you don't either, TJ.    
    • Because we've seen the PPCs' antics a thousand times.  They always refuse appeals.  On every occasion they send out the same standard "threatening" letters.  In each case they then involve a third party to pretend the matter has somehow got more serious and the sum owed has increased.  It's got nothing to do with "sticking by their guns", it's what they always do, whether their case is good or if it's pants.   What do you think an unbiased judge would decide when you prove there was no sign at the entrance, just one in the car park at the height of the stratosphere, that the cafè owners had to stick up their own signs to protect their customers, that ages after your visit PCMUK finally installed decent signage, etc., etc? 
    • Thank you Andy    The Court have not confirmed solicitors so we shall proceed as agreed with the DQ by 25 January 2021.
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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
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Hi i have been following this site for years and know you have given some great help and advice.

So here I am asking for help for my daughter.

 

Background is

she over the last 2 years she has earned around £1300 a month and in this time she has managed to get herself in a right mess.

 

She started with catalogues from

Fashion world,

Littlewoods,

very and

studio

who have all been increasing her limit until they reached around £1500 to £2000

 

then came along credit cards Barclaycard,

marbles and

capital one with about £500 limit on each

 

then a 118118 loan of around £5000

 

To be fair she was managing all these payments but then she started on Payday loans which have completely messed her up.

She has been trying to make payments but she hasn't got a penny to her name.

 

Since august she has moved into her own property so things are even tighter now plus her work place has messed up her sept and oct pay so she is still waiting for payment from them for £1200

 

She has also from Monday started a new job with a slight drop of pay she will now be bringing home around £1100 a month.

 

My daughter is very depressed and I am quite worried about her to be honest I am sick of seeing her cry over money.

No 21 year old should be going through this.

 

My question is

I want to help her and get some letters sent to her creditors offering token payments

(she has agreed a payment plan with some but at silly amounts she can't afford.)

 

Where do i need to start?

 

Her contract phone has been cut off so the phone calls have stopped but she is consistently getting emails and letters.

(letters come to my address as ive told her not to change the address yet)

 

Does the irresponsible lending work?

as I am gobsmacked on how easy she could get a payday loan in 3 minutes from lots of different companies.

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well if her credit rating was ok [no defaults etc] and it showed she could meet the payments, then p'haps ORL is not the way to go.

 

using the prorate letter from our debt collection section of the library

send each one a copy.

see what they say.

if they will freeze int then agree and pay that creditor

if any refuse send the £1PCM letter and stick to it!

 

I would guess all of her credit is post 2007 so little point in a CCA request as debts are still owned by the original creditors?

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 ive found the letter she needs to send

 

Some have gone to debt collectors does she write to the original creditor or the debt collector?

 

 

 

Also one of the debts is from company called safety net credit who had constant access to her bank account and would snatch money off her when it went in then re lend it her . I got her to have her wages paid into a different account. are these a legit company when she shown be the account it was hard to understand.

Edited by worriedmum1972
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Urm they are terrible lot!!

Poss needs its own thread

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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as for the dca's are they simply collecting for their client to OC's or are the owners?

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

PAYDAY LOANS

Safety Net – Credit Resource Solutions ltd - £594.00 collecting on behalf

Lending Stream -

Loan one - - £288.59 £48.62 2 payments behind

Loan Two - - £273.08 £54.37 2 payments behind

--------------------

CREDIT CARDS

 

BARCLAYCARD - - £550.00 default

CAPITAL ONE – £499.49 one payment missed

------------------

CATALOGUES

 

FASHIONWORLD – balance £1769.94 had payment plan but still adding interest -last paid 24th aug

LITTLEWOODS - £961.79 last made a payment 2nd oct of £20.00 arrears £912.68 Account Limit £1025.00

VERY –£1349.06 last payment made £50.00 24th Aug - Arrears £540.00 Limit £1200.00

-------------

Loans

118118 – £7171.77 – Default

Provident - £400 = No contact for 12 months from them

 

Moorcroft tesco phone contract £799.00 paying £30.00 upto date collecting on behalf

Edited by worriedmum1972
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Stop paying that money to moorcroft!!

Probably unlawful full term contract payments??

Not using it?

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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Yes she missed two payments on her contract and they cancelled the contract she even tried to pay the missed two payments but they wouldn't let her just passed it over. It was her second contract with tesco and had never missed a payment before.

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They cant charge her the remaining months of a contract /service she is not using..

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

Stop paying let them sell it on.

Ofcom have clearly stated charging a customer till end of unused contract (outstanding months) is unfair termination penalty.

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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