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    • They are not going to continue chasing for £37, so will stop at some point soon.  Will go back to Eon, who will just make a note of the debt on their records.
    • When a Debt Collection Agency (DCA) is assigned the debt after purchasing from the original creditors, they will add the debt to the credit record replacing the previous entry from the original creditors . The debt should be less than 6 years old from the date you defaulted making payments.   When you receive letters from a DCA, they should state the name of the original creditors you had the credit card, loan, overdraft or other debt with.   Do you still have the letters from the DCA's ?  If so, please provide details of the DCA, the original creditor named and the debt amount. If not, your online Credit Record history should contain information.   Never throw away any letters you receive from DCA's or Banks etc where they concern debts you owe. The letters may contain useful information.   Have you moved address since getting into debt ?  Did you provide your new address to all companies you owed money to ?
    • These vaccinations are going to be regular, I believe about every 6 months.  This is going to require local vaccination centres for years until they have a vaccine that provides longer protection.   Most GP surgeries are not going to be able to continually provide this vaccination service and provide all other services. They might help out during lockdown as a one off, but to continue having a constant flow of people for vaccination is not going to be possible.  My local GP surgeries are over subscribed, with it taking 3 weeks to get an appointment, so they are not taking part in this. Luckily we have a privately run NHS minor injuries unit with more room and they have been vaccinating patients.    
    • British households could be set to save less money than they did before the pandemic over the next five years as the country embarks on a £45billion spending spree, it has been forecast. View the full article
    • Just for info   Family member had oxford A/Z jab and had 40 degree temperature for 24 hours or so the day after Seems to be OK now and lateral flow showed negative for what thats worth
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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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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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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
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  • Recommended Topics

Link and Old Barclaycard debt acount 2 of 2 £2957.74. owed


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so a diff barclaycard to the one already here then?

 

dx

 

  • Thanks 1

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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did they reply to a CCA request on this one or you never sent one?

 

dx

 

  • Thanks 1

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

 

Hi dx.

I did a lot of digging through my paperwork and i does not look like i did send a CCA to Barclaycard.

Reading back in the thread i did send a SAR to them but it looks like i never received them.

 

At the time of doing that in 2016 i was in temporary accommodation.

I was lodging with a girlfriend at the time, we broke up too at that time too and she did not talk to me so i have no idea is Barclaycard did send a SAR or not.

 

I did get a SAR from BOS and Ulsterbank.

At the time Moorgate (mbna debt) refused to supply me with the 2 x CCA's due to them not knowing my new address, which i was told was rubbish at the time.

 

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CCA link not BC.

 

dx

 

  • Thanks 1

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

makes no odds as you are now in England other than the statue barred rules.

when did you last pay this..save us looking back?

 

dx

 

  • Thanks 1

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

ok just follow post 2 in that thread andy pointed too.

 

dx

 

  • Like 1

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
  • 2 weeks later...
  • 2 weeks later...

Hi Guys

here is the latest reply from Link Financial,

can someone please have a look at it and see if ineed to do anything to respond?

 

The date of the letter was the 12th feb 2020,

the letters are sent to my daughters address so there is a bit of a delay in her opening the letters for me.

 

Many thanks ;)

upload pdf link 12-02 - Copy.pdf

 

Im not 100%  sure of the way they have worded it, are they saying that they are taking no further action.?

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they are saying it's unenforceable until they can comply.

well the sb clock is ticking.

 

they are quite correct they can report on it

but that makes no odds

 

it will vanish from your file on the OC's defaults 6th birthday, and they can't change that original default date.

doesn't mean the debt is not owed mind, until SB kicks in.

 

i'm still not happy that BC did not default the debt before or at the time you entered the DAS

you could complain to them but you'll need to sar them 1st

 

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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Share on other sites

Many thanks dx 

 

I looked at my spreadsheet and from what i have noted there was a default on 11/01/2011 from BC. 

 

I thought the SB clock was ticking from the last token payment in 2016 and not the original default date. 

 

On the other BC account i have, it was also originally defaulted by BC however Link also put a default against my credit record,i had to go to the Ombudsman to get the default removed. I will check my credit file and see if link have defaulted me again or not.

 

cheers ;)

 

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last payment or OC defaulted date+14 days, whichever is the latter .

neither account should be on your credit file now nor comeback.

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

the accounts don't show..?

 

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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