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    • Letter of claims   Parcel reference number – xxxxxxxx– claim reference number X X X Letter of Claim   On 22/03/2021 I used your service to send a parcel under the above reference number. The parcel did not arrive at the destination and after several exchanges with your customer service staff, I was told that the item was lost. I was also told that I would not be entitled to make any compensation claim because I had not purchased an additional compensation cover. My position is that I have paid the delivery fee and it is not for me to insure against the negligence of Hermes. It is for Hermes to protect themselves against liability for their own negligence and not pass the buck onto their customers. I see this requirement as an unenforceable unfair term designed to exclude liability and to prevent me from taking a legal action. I am preparing to take you to court. If you force this to a court hearing – you can be certain that I shall be producing evidence from many different sources to show that you systematically lose parcels and decline liability on spurious grounds which are unfair and unenforceable. The contents of my parcel were valued at £530.00  plus the delivery fee of £5.09. If I do not have reimbursement in full within 14 days then I shall issue a claim in the County Court to recover this money from you plus interest and without any further notice. Yours faithfully   Particular of claims  Parcel reference number – xxxxxxxx– claim reference number X X X The claimant used the courier service provided by the defendant courier company to send an item to a third party. The defendant company has admitted that they have lost the item and yet they refuse to compensate the claimant. The value of the item sent was £530. The delivery fee was £5.09 The claimant claims full reimbursement of 535.09  plus interest pursuant to section 69, County Courts act 1984.     please let me know if this will require editing? I am still waiting for Packlink to confirm the value for compensation before I go ahead and send the letter to Hermes
    • yes and like the previous IA don't forget the failure of no default notice too.   specifically pointout the agreement cabot have sent appears to be a manual agreement whereby there should be an area to be signed to comply with the relevant rules of THe CCA and that it appears to be a blank template PDF document whereby anyone can type in/change any pers details they like (easily editable in any PDF program)    i would also again pointout the number of times cabot have been asked for various documents that are required under the act to enforce an agreement and many are still missing or what appear to be simply templates. dont forget to add you wish the sheriff to issue an absolvitor and request costs.
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    • i've moved you to the local authority parking forum as these are not fake notices from a private parking company (which in most cases can all but be totally ignored) but are Penalty charge notices (fines)  from a council.   you don't appear to have any reason to appeal either as it's clear? you drove through no entry signs for your of vehicle both times and there appears to be ample warnings.   i can't see any route to appeal, nor any other forums indicating there might be a chance of successful appeal. might be better to take advantage of the discount and argue later?        
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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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!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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I've been with gregory pennington for 10 yrs - should i leave?


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hi...looking for some advice please...
I've been with gregory pennington for 10 yrs its for 5 debts .
I'm thinking of cancelling them now as I'm sick of the harassment to do a yearly update..
even though nothings changed and I'm paying them 38 quid a month for the honour.
my debts have all been moved from the original creditors to debt collection companies.
heres a list ...
Cabot Financial Services Ltd £2307.66 (overdraft ex rbs)
Link Financial Outsourcing Ltd £459.40 (credit card ex mbna)
Cabot £2614.25 (credit card ex rbs)
Wescot Credit Services Limited £5134.48 (credit card ex santander ex
Wescot Credit Services Limited £5182.93 (loan ex santander)

ok heres my questions..
what can i do ?

do i stop payment to greedy pennies and wait till the credit companies get in touch, then send them a separate car for each account..or cancel GP and
get in touch with the companies to make new payment arrangements .

i don't want contact from these leeches as i did and still do have mental health issues with anxiety.

help....any one ?

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I think you will need to start giving details of the debts.

It might be an idea to give a quick overview of each one in this thread and then somebody will advise you as to whether or not you should start a new thread for each debt.

In particular, we would need to know the dates that the debt was incurred, original creditor, –

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Bar the od debt

send every dca a cca request

as for those with wescot - send it to their client from their letters

 

yes dump greedy pennies today

send them an sar too

get that hidden f&f pot back they have i bet

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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all the debts were pre 2009 i did included the amounts and original creditors in the list ..some of the debts..the overdrafts with rbs go back to 1999 

 

 

why bar the overdraft 

 debts please ?

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Cant cca od's no agreement

Just put them on the back boiler

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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for now yep.

 

I suspect as with all your debts

you are being cash cowed blind.

 

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... 

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  • dx100uk changed the title to I've been with gregory pennington for 10 yrs - should i leave?

ive moved you to the DMP forum

lots of threads here to read.

get upto speed.

 

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... 

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here is the reply from greg pen.

 

Dear xxxxx

 

Thank you for your email regarding closing your Debt Management Plan. To confirm, I have now suspended your plan and also sent over your creditor list as requested. Unfortunately, we aren’t able to provide bank details. I would like the opportunity to discuss this further to ensure there isn’t any further help we can provide. Please provide a suitable time and day to allow us to call.

 

If you have any further queries, please do not hesitate to ask.

 

Kind regards,

 

xxxxedited Client Request For Creditor Information.pdfedited Client Request For Creditor Information.pdf

gp response.docx

 

Sar sent to gp via email ..

 

now waiting for the worms to appear round the corpse of my old debts 

 

just got this email....how do i respond ?

 


Good Afternoon,

Thank-you for your email.

Can you confirm you have received the creditor list which will detail a lift of the creditors to which you owe funds to?

Is there any further information which you require in addition to the creditor list? We can of course arrange to send you any additional information regarding your plan you require.

Also, we are sorry to hear that you want to close your Debt Management Plan and leave Gregory Pennington. We value your custom and would love to continue to help you on your journey to being debt free, is there any particular reason why you have come to the decision to leave Gregory Pennington?

I look forward to hearing from you.

xxxxx
Customer Service Manager
 

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yea I don't wanna be fleeced by my supposed creditors and you at the sametime😂

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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sorry..im a little confused...

 

I've sacked off greg pen

 

I'm now waiting for the stuff to hit the fan..

 

do i wait for the individual companies to get in touch?.

Also do i send them an sar or a cca letter ..sorry to be stupid..but I've spent years perfecting it 😉

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re read your thread and others here in this Self help DMP forum..get upto speed.

you should have sent a CCA request s as detailed in post 3

 

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... 

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cca requests all sent now except for the one to cabot as they have the overdrafts in one account ???

 

only found out that one going through paperwork .

 

waiting game now ...

 

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  • 3 weeks later...

ha ha ha..so far 

I've had one letter from cabot saying they can't find the cca so its unenforceable but they'd like me to keep paying....

not going to happen...

 

santander debts...they are looking for the cca 's

 

wescot...nothing so far...this is great ..illl be making a donation on pay day ..thankyou 

Edited by badguitarman
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wetcloths??

we never said send one to a chaser dca it goes to their client...

 

see told ya.. cash cowed..well done¬!

 

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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for debts of the age these are very unlikely and ofcourse more than likely unenforceable 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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  • 4 weeks later...

start a new thread and post those up as ONE PDF file only please

 

read upload

 

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... 

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