Jump to content


  • Tweets

  • Posts

    • as it was obvious what it was lets hope its not suffered the fate of other like object and goes 'missing' as a useful item whilst in the chain of people that deal with it, sadly a very common thing.   there are 1000's of thread here like   Parcel2go Hermès Lost/Damaged Item - court claim issued ***Won*** - Postal and Delivery Services - Consumer Action Group   the fact you didn't take the extra ins is of ZERO relevance 
    • their system often have issues over w/ends till someone goes in tomorrow and resets things. don't worry.    
    • Stu007 and team-   My apologies for not getting back to you sooner-   Yes, I'm assuming the mattress is their own property, this assumption being that the supplied receipt is in their name.   Tenants supplied the pic on 5th June and vacated property 7th June.   Today I gave them a price to deal with all the garden issues, if they don't get back to me am I In my rights to let the work go ahead and deduct it from the deposit? There is a time issue here as a new tenant is due in next Monday 21st.   If by any chance  they do have contents insurance, what are the chances of them succeeding with their claim for the mattress- zero/maybe?   I understand that the deposit is being held by the TDS, sorry my knowledge only goes that far.   Should I be wary of asking the TDS for guidance here? If this all goes t*ts up, they will be dealing with it anyway.   I'll let you know what the Solicitor advices when we speak tomorrow.   Thanks again
    • @[email protected] quick one - just about to complete and email the N215.....where it says 'What documents did you serve? Please attach copies of the documents you have not already filed with the court', what does this mean, please?   It's OK, I included the additional POC. However, worth noting that I received this bounce back email:   Thank you for emailing the County Court Business Centre's (CCBC) MCOLAOS inbox. This inbox is now closed - any emails should be redirected to the below email addresses:     IMPORTANT You will need to send any ‘claim response’ which includes the acknowledgment of service, part admission or defence/counterclaim forms as well as directions questionnaires (DQs) directly to [email protected] to ensure that they are filed correctly. Your email has not been forwarded.   N244 and N245 applications should be sent to [email protected]   All Other Correspondence should be sent to [email protected]   The deadline for documents to be received is 4pm, any documents received after this time will be classed as received on the next working day.     The office will be closed on all bank holidays.   So I did and got this rather frustrating reply:     Your message to [email protected] couldn't be delivered. ccbc wasn't found at justice.gsi.gov.uk.
    • Please can I seek assistance in making a claim against Parcel2Go -   The full circumstances are as follows -   I successfully sold my old mountain bike via Ebay for over £200.00 and used the portal Parcel2Go and selected Hermes. The bike was packaged in a full size box from Halfords secured with tape and the Hermes label printed off and secured to the box.   At the time of paying for the cost for the courier I elected to select no additional cover for loss or damage (reason for this was how can you lose a large box, how wrong was I).  The full cost of the bike was however declared when booking the courier.   The bike was collected from my home address by the courier on 14th May and after a short time I decided to check were the bike was and via the Hermes tracking facility it stated - We’ve got your parcel and we are processing it   I raised a query with Hermes who said they would look into the matter and eventually received notification that the parcel was missing.   I queried how can it can go missing and asked them to provide me with the address for the local depot along with asking what enquiries have  been conducted, no response  received to these questions. Eventually they responded to say that I must go through Parcel2Go after I sent them further messages.   Therefore I contacted Parcel2Go submitting a claim for loss / compensation, they asked for specifics including a detailed description of the item and the size of the box it was posted in. After the elected date nothing was heard from them so I sent a prompting email and eventually I received notification from them saying that the parcel was missing and due to the fact that I had not elected for additional  cover for loss there would be no compensation and the matter was closed.    There has been no explanation from either party as to how the package has gone missing or what investigation has been carried out and neither party has supplied me with the local depot address. I have informed Hermes that suspect foul play possible theft, no response.   I have written a letter of intent and I would like your opinion on  the content before it is posted to Parce2Go.   I am willing to pursue the matter.   My arguement is this. I accept that I have not elected to pay for additional cover and I would even accept that if the bike were delivered and went missing at the recipients end that I would not have a leg to stand on for a claim. But for a parcel, a large parcel that is not easily mislaid to go missing whilst in Hermes possession is a clear case of negligence on Hermes behalf.   I have digested part of the consumer rights act and also read through some of the terms and conditions of Parcel2Go and the main argument I have is that a parcel, of some size has been lost therefore the following has not been adhered to -    Extract from the consumer rights act:   “Every contract to supply a service is to be treated as including a term that the trader must perform the service with reasonable care and skill.”       I look forward to your response.
  • Recommended Topics

  • Our picks

Problems with perfect home, wrong info on credit file.


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 737 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hey guys hoping you can help.

 

Perfect home causing me no end of problems.

 

firstly I changed address two months ago,

emailed perfect home (still have the email) and got no response,

 

 

I got a really angry call from my dad today saying perfect home had been at my door.

My current balance is £21.22 outstanding.

The man drove all the way from Glasgow so a 100 mile round trip for £20.

 

It's caused no end of grief with my parents as I've had debt problems previously and actually managed to get on top of most of it, but now obviously they doubt my honesty which is really frustrating.

(in their defence as they said "why would someone drove all the way from Glasgow for £20" something I'm yet to figure out)

 

I've called perfect home and updated my address,

also removed their implied right of access to both property's. I

 

 

s there anything else I can do?

I've been paying £45 a month for a ps4 since last October and I currently still have £580 to pay!

 

 

That's two more brand new ps4's

I just want nothing more to do with them,

they have embarrassed me and my family and haven't at all been helpful.

The man on the phone said the home visit was "too help me"

 

Anything else you can help with or offer advise id really appreciate it.

Link to post
Share on other sites

well tell your dad they aren't bailiffs and have no legal powers whatsoever

 

 

no point in following the useless implied rights stuff on those freeman of the land sites either

total waste of time.

 

 

WRITE to PH and legally tell them of your new address

I bet if you reclaim all the compulsory insurances you owe them nothing

and get back the unlawful penalty fees too

and I bet they charged your account with a visit fee aswell.

 

 

dx

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
  • 1 year later...

Hey guys hopefully someone can help me. 

 

I'm currently going through the process just now of trying to get a mortgage (very early stages)

my mortgage advisor pointed out that perfect home had not logged a default on my credit file but instead had it marked down as a late payment,

it's been like this for 14 months now,

she advised maybe we could catch it before the mistake is realised and obviously knock it off. 

 

I contacted perfect home who advised the debt had been sold to JCI accusation, who then sold it to imfs, imfs offered me 50% off the settlement and I have accepted and cleared this (i don't dispute the debt btw) 

This was cleared on the 30th of April and as yet absolutely nothing has changed on credit file,

I have contacted perfect home who have been absolutely useless to be honest.

 

Perfect home say they haven't received anything to say the debt has been paid and Futher to this are just planning to mark is as defaulted anyway which sort of has made paying it a bit of a waste of time.

 

Is there absolutely anything I can do to rectify this or to have any kinda of outcome here where the default isn't logged.

 

I should say as well I've already tried disputing the information on credit file with two agency's and have received a flat no that the info is correct and that it shall remain, even though it isn't correct. 

 

Any help is greatly appreciated

Link to post
Share on other sites

opps spoofing DCA fleeced you.

even if you pay it off

it wont remove any past markers

 

so what is your actual problem?

 

dx

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

not sure what spoofing DCA fleeced me means exactly? 

 

I'm not suggesting it should remove the marker but clearly it's listed incorrectly on my file. That's what I'm looking to rectify. 

Link to post
Share on other sites

 

 

who is IMFS?

 

old and new threads merged

you should have sorted this in 2017, but you appear to have just vanished.

 

has the mortgage lender told you it will help your situation?

if you mean the marker is showing [1] for 14 mths then its just a single late marker

he shouldn't be paying attention to that at all

or does the summary line just say late payment

[he shouldn't have access to the monthly calendar markers anyway ...unless you gave him a full copy of your file??}

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

They are completely different items, the one I mentioned previously is paid in full so i may have vanished but they are unrelated 👌

 

Well it's one less potential default, the summery line says late payment, it keeps ticking over month by month. I gave them full copies. 

Link to post
Share on other sites

opps you should never give them info they cant find themselves.

 

would of though you'd have learned your lesson in 2017 to stop using these treble the price on credit companies !!

 

a late payment marker should not harm a mortgage at all.

 

id be more interested in where your money has gone...

probably paid for a staff holiday for whomever IMFS are?

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

I'm sure your just trying to help but your assuming I've just went and taken out another item, I had them both at the time, I don't need any education on how terrible these company's are 👌 

 

IMFS bought the debt from JC international or whatever they are called. 

Link to post
Share on other sites

pass the parcel.

 

what ever made you think paying a powerless dca was ever going to help you?

a dca is NOT a bailiff 

and have 

ZERO legal powers.

 

how long ago did you pay them?

and how

did they phone you up or you phoned them?

 

have you a copy of the settlement letter and proof you paid it?

that might encourage your mortgage lender to ignore the debt.

 

a late payment marker is far better than a default !!

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

I know this. I phoned them, I was happy to pay it. End of April. 

 

Yeah I have it in writing that it is settled. 

 

It is I agree,

but there's absolutely nothing stopping that being changed to a default surely?

 

They should have done it over a year ago, would paying it now make any difference?

 

If not it's not a big deal, wasn't much.

 

Just thought paying it might be a bit of a preventive measure should they notice that it is listed incorrectly.

Link to post
Share on other sites

in the calendar section 

these 14mts 

are they all showing [1] or does it progress to 6 and its been that way for months?

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

so PH have sold the debt

a debt is typically defaulted before sale to a debt buyer regardless to any markers if there is an outstanding debt.

 

 

 

 

 

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

not that I can see

a late payment flag is certainly better than a default.

 

unless the defaulted date should have been almost 6 yrs ago and if registered then, would soon cause the whole account entry to vanish from your file.

the fact that you paid it, is of little matter, unless the mortgage advisor would rather see proof of it being settled??

 

pers i'd say he is using this to poss bump up your mortgage rate.

we've seen defaults ignored before so a late payment marker should not even be a problem to him.

 

if this were me i'd be demanding the fleecers you paid this debt off too remove it totally but me thinks that's not gonna happen.

 

the only ref I can find is:

 

 

 

 

 

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

Thank you for all that, really helpful. 

 

Yeah I think it's just to help us both get a slightly better rate to be honest, don't think it's a deal breaker. 

 

Yeah I think that's them, spoke to them a few weeks ago and just referred me back to perfect home so a dead end there. 

 

I'll just leave it as is,

the last thing I want is to push perfect home too much and they just retroactivity put on the on the default marker,

if they were gonna do it I'm sure they would have by now. 

Link to post
Share on other sites

JC international are a debt buyer

I cant see how PH still own the account now so cant default you.

have you not previously gotten notice of assignment from JCI?

 

and what date was that?

 

who is shown as the owner on the credit file 

Perfect Homes or JCI?

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

so looks like full circle and the debt was sold back to PH?

ive not know JCI etc to just chase

but never mind.

 

send PH a copy of the settlement by royal mail

 

I would suspect there is no marker in the calendar for MAY?

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
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...