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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

TBI Financial Services Ltd - WHO ARE THEY???


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Hello

 

Hoping someone here can offer some assistance please.

 

Having checked my credit file I note an entry from 'TBI Financial Services' who I now know are a debt collection agency having done some basic checks. I have no idea why they appear on my credit file and do not recognise the debt. Its been added to my credit file this year and appears as 'closed / defaulted'.

 

TBI have not made contact with me either by telephone or letter and I honestly do not recognise the debt or entry. Never heard of TBI until yesterday. Could someone advise what the best cause of action is if I want to get to the bottom of this?

 

My fear is that if this is indeed one of my old debts, I will open a Pandora box which I don't particularly want to!! 😏

 

Many thanks

 

MBK

 

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Should tell you the debt type

Typically HFC stuff

 

When was your last payment?

Have you moved in recent years?

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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Hello dx100uk

 

Not had any dealings with HFC as far as I am aware.

 

Never made a payment to TBI, but my credit file is indicating the account was opened in Jan 2019 and payment made in Jan itself. Feb, Mar and Apr are blank.

 

My credit file has open and closed accounts. This one is 'closed'.

 

No, lived at my current property for over 20 years.😑

 

Regards

 

MBK

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check noddle usually has better info.

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 for your help thus far dx100uk.

 

Checked Noddle as suggested. The debt appears to be a 'loan' taken and added to my file in Jan 2019.

 

I have not applied or taken out a loan. This is baffling!🙄

 

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sounds like id fraud then

quite easy to do.

 

contact noddle dispute the entry

tell them its not yours and you've never had a loan

bit quick for it to appear on credit files if it was taken out in jan 2019 mind

something not right here

 

creditor wouldn't default for 3 mts

and certainly not sell that quick either!!

 

 

 

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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Agree - This seems odd.

Send  a dispute through Noddle to them - You dont have to phone the DCA that way and you may get an answer as to what to relates to :)

 

Avoids them conning you :)

 

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Many thanks dx100uk, fkofilee

 

I have made contact with Noddle. Just waiting for them to get back to me.

 

Cheers

MBK

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sounds like they have got the wrong MBK and closed the file rather than admitting an error and facing the consequences for that.

Noddle will not tell you much other than to contact TBI and ask them nicely, which isnt going to help you.

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