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    • Please would you give us the name of the appeals company which you went with. I'm curious but alos there may be others who have been let down by them and I think that it would be helpful to know. Thanks   I see also that you have been asked to post up certain information/documents and you haven't done so yet
    • The boiler had started losing pressure. I was getting concerned about it. ASG sent me  a letter saying that to keep the warranty valid I needed to power flush.  On the morning of the power flush the boiler failed completely and I turned it off.  The flush technician decided not to flush through the boiler as he was unable to get it to work and reported it as leaking.  I then got ASG to come out the next day. ASG refused to mend the boiler stating that the power flush had damaged it.  I have spoken to the flush technician who has explained he did not flush hot. He has done power flushes for many years and has never seen the damage alleged caused by a power flush.  An independent gas safe engineer has also stated that the damage could not be caused by a power flush.  The boiler was maintained annually by ASG according to the contract. It includes a fifteen year maintenance contract.  I was g I NG to sar them and try going either via the FSA or possibly court. 
    • The Royal Mint has struck a special 50p coin to celebrate 50 years since decimalisation. This coin won't be released into circulation, but what are the rarest and most valuable ones which have? View the full article
    • Thanks very much that makes absolute sense. That’s exactly my aim at the minute to secure my vehicle. That has to be priority before I worry bout unfair payments etc. I sent the letter of complaint in the hope they may enter into a payment plan still. If I thought I had the time until the 31st January then it allows me time to prepare next steps etc.  only problem is If there is a ban on repossessions why were they attempting to do it the other day and saying they still are. 
    • Yes ban ends  31Jan Time order would be good  but Just suggesting a free urgent alternative to buy a 30 day stay BOS are still the Wild West of lending  Law Commissions proposals were dropped by the Government  However once you have secured your car you have grounds for complaints IRL, unfair treatment ,etc Problem is once you sign a bos you have effectively transferred ownership of your vehicle 
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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

Barclays CDL Loan (Career Development) 2012


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well lets see

typically Barclays do inc agreements in their SAR requests ...strange they haven't..urm..you might be on to a winner dinner here.

 

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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not proof of signing it yet..

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...

I had my CCA sent back to me stating the address didn't match the account and Ill need to take 2 proofs of iD into a branch and then resubmit the request again. Is this right?

 

I told them in the letter of my new address (and included the previous address of the account), I also had recently communicated this with the SAR team before that which they posted to me. 

 

Have I done something wrong? 

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no just them being pedantic.

you could send them a reply stating the sar dept at ...has already verified my details

 

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

It's now been well over a month since I've sent this, do you think i'll have to go into a branch, update my details then send the request again? I'll do I don't mind as much, but just annoyed as they already have the details.

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ring and ask?
 

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
  • 3 weeks later...

Hi DX 

 

Update- Spoke to Barclays finally on the phone with their customer relations team -they stated my address is correct on their systems.

 

They also checked Barclaycard (stated they used to be separate from each other, but they can now access certain system FYI just in case that's of interest to some.) and it was correct there too. Had no idea why I had been refused. 

 

So I'll have to send yet another request I think.. explicitly stating I've spoken to people at Barclays stating the address is fine.

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how weird!!

 

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

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