Jump to content


  • Tweets

  • Posts

    • @Tom Price   Thank you for your note, which is very helpful.   Did VCS cite the following cases?   1. VCS v Ward 2. Semark Jullien   VCS threw the two cases to me in the last minute at my previous hearing. The judge accepted the extra WS and adjourned my case for me to read/defend it. My case is going to be held on 30th March.   Thanks!      
    • Hi,   So, I received a letter today from a debt collection law firm threatening CCJ action on behalf of Volvo/Santander for a voluntary termination of a vehicle. (I did request Volvo/Santander that a complaints procedure be started as I think the terms of the contract were miss sold but alas, they ignored me and went straight to CCJ action via a debt collection law firm!).   I digress, anyway, so the letter was addressed to me, it included my original signed contract, but, there was another document inside. This document was another hire contract with some other person details on it!   It includes:   Their full name Their address and postcode Their handwritten signature Their email address Their mobile telephone number Their debt amount Their vehicle registration    Is this a breach of the data protection act? On the flip side, my details could be in the hands of someone else, who knows?    What should I do now, is this a trump card that I could use if this matter does actually go to court? I did intend to argue against this debt in the first place.   Any advice on this would be most grateful!   TIA         
    • Hi guys   I received a county court claim form on Thursday dated 18/02/2021 saying that the claimant (CABOT FINANCIAL (UK) is claiming for the sum of £2140.14 on behalf of  NEW DAY LTD RE MARBLES. but it requests all documents to be sent to MORTIMER CLARKE SOLICITORS.   Now i think i did have a marbles card a while ago although my partner says that that was a capital one card.   But either way i don't like the idea of these parasites chasing me for money for a debt they probably bought for £10.    From looking around here it seems that i should be sending them a CCA request and a CPR 31.14.   I've bought a £1 postal order.   Is there anything else i need to do?   Thanks for any help given
    • Yes that is an absolute must. Generally the Council has no wish to see people committed to prison for Council Tax debt. They want to see the debt recovered where it is properly due and the debtor has the ability to pay. If he hasn't that ability they will take into account the debtor's financial situation and make any arrangements they can. But only a court can remit some or all of the debt. The more you engage with the Council the easier this will be.
    • I think you'd need to have formally noted you were working under protest at the time. 
  • Our picks

    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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

Henriksen DCA chasing - Barcalys/ Providian / Monument / R Raphael credit card


Please note that this topic has not had any new posts for the last 383 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all,

I received a phone call from an 03 phone number and they left a message asking me to contact them about a debt but no other information.

The name of the company was Henriksens, who appear to be a debt collection business.

 

I've never had contact from them before.

I am assuming that they have been given my details by a DCA.

 

Is this legal under GDPR rules for this information to passed on?

 

Has anyone else had any dealings with them as I suspect the DCA may be cabot who have been actively chasing hard with multiple phone calls and messages recently.

Regards

Murph

Link to post
Share on other sites
  • dx100uk changed the title to Henriksen DCA Phone Contact & Message Left

blimey ...not heard of them Henriksen in a few years now

don't know who owns them now.

but safe to ignore 

 

but no its not breaking gdpr rules 

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

Although Henriksen have a Scarborough address they share the same offices in Leeds as LCS.

Henriksen or HCollect are the same Company and tried to collect a Statute Barred debt from me late last year but a quick Statute Barred letter sent them closing the account and returning to their clients.

 

Henriksen are collecting a lot of work at the moment from JC International who have purchased a lot of old Talk Talk debts.

 

Do you have or know of any Statute Barred debt that has been sold to JC International?

 

Stigman

 

 

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

Hi, seems was an old Barcalys/ Providian / Monument / R Raphael credit card.

 

Been through a number of DCA co's (Last CARS who were acquired by JCI in 2013).

 

Only proof offered of a CCA was a copy of a Reply Card application in 2003 with a "Providian" stamp on it and "Subj.2 Cred App" stamp.

 

Monument suggested this was their copy of the CCA along with a copy of basic Monument T&C's copy and some pages headed Monument but referring to R Raphael & Sons

 

The last agreed payment to CARS was in mid 2017.

Now stopped!!

 

Will write and advise no further contact except in writing letter plus not acknowledge debt as no CCA proof.

Link to post
Share on other sites
  • dx100uk changed the title to Henriksen DCA chasing - Barcalys/ Providian / Monument / R Raphael credit card

all makes sense now

you got [email protected] by previous DCA's into paying as you thought they had some magical powers over you.

so  they passed it around saying here you have some, this mug is being cash cowed nicely.

 

don't write unless you have moved since your last address update to whoever was [email protected] you out of money

 

simply invites pointless letter tennis.

 

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

JCI got there hand on these old R Raphael credit card debts many years ago

shame you fell for the scary letters and paid anyone mind..

 

your saving grace is they will never be able to get ahold of your signed CCA for your card timeline (probably early 2000's sign up) as they were all shredded years ago.

the card admin then went to monument then they got swallowed by Barclaycard and they dropped the whole portfolio like a hot brick when they found out.

 

past writing to their minions with your address might not be sufficient - i'd consider a CCA to JCI, kill two birds with one stone.

never deal with someone who says 'our client is' - always deal with the debt OWNER.

unless its a letter of claim.

 

 

 

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...