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    • Hi. I posted on the facebook group about Hermes queries re: a parcel that Hermes said delivered but i didnt receive. It was a private sale of a mobile phone from a seller in Wales to me in Edinburgh.   The seller has stopped contact with me now so I cant get any help from them. Hermes are saying it was delivered but it wasn't.   I have got all copies of emails to and from the seller and to and from Hermes. A photo of the actual parcel that the seller sent me prior to posting.   There also seems to be a some confusion on the Hermes tracking info about which day it was actually delivered but either way I was in my house both prior and after the delivery.   There was no photo but it stated the driver got a signature. Not true cos it was a covid thing not to get signatures. No calling card to say it was left somewhere else or in a safe place. It just simply wasn't delivered.   I've been told to ask for GPS info in order to trace the delivery or driver. I cant even talk to a human or get a valid address to write to.   I sent an email to the CEO guy and still no reply. I've not reported anything to the police but I'm getting all sorts of contrasting advice to do this and not do that etc that im totally lost now.   If you read this David, please get back to me please. Much appreciated.   This happened in June/july so hope im not too late to still do something about it. It's just took this long to only get to this stage. 
    • PAC code   https://tinyurl.com/yxhxcsxf   ...
    • Noted! Hopefully there won't have to be another time though!     I did respond to the email, I just basically said that he cannot deduct any costs incurred for collecting / picking up the vehicle and if it heads down the route of ADR which is a total new concept of me having any evolvement with, that he would have to pay a refund/the cost of the car and the cost associated with the collection of the vehicle.    Apon further checking the legislation because he gave me no cancellation rights prior to the contract starting he is indeed guilty of an offence, which is the likelihood of what trading standards are dealing with in regards to his local TS contacting him.     
    • hi,     Just asking for some experience or knowledge.     I purchased a puppy on the 30th of august. On numerous occasions I was in contact with breeder and asked if the puppy showed signs of entropion.    I was told no.   On the 26th of August puppy had first jabs. And apparently their vets said none of the litter showed sign of entropion.    On collection of puppy I noticed he was covered in green mucus. The pen had dog muck spread in there so assumed it was just from pups playing and maybe getting it in each others eyes (poor hygeine on breeders part)   Anyways,   Asked breeder to wipe pup and we left       With in 3 hours we realised that the puppy wasn't well. He physically couldn't open his eyes and when we attempted to clean them his eyeballs weren't visible.    We phoned an out of hour vets and contacted the breeders immediately.     The pup was taken to the vets and we were informed he had a severe eye infection which was a result to entropion.    The vet bill came to around 900 after tacking and meds etc. I asked the breeder to cover the costs. They said no because their vets said their was no issues.     The state on this puppy my vets think he's suffered from birth.     And most certainly not 5 minutes before I turned up.      I've filed a small claims for the cost of the vets and the cost of the puppy.      Where do you think ill stand?    What type of evidence will the judge want to see. Thanks
    • This week, Nationwide has launched a rival account to NS&I's highly popular Premium Bonds giving savers the chance to win £10,000, on top of ordinary interest. View the full article
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
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      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
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      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

My Credit File no longer shows my big debts


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I just arrived here to try and work out what is happening to me, could be the Pandemic is the reason.

 

I have access to Clear Score and MSE Credit Club which I think use the same data, I have been on previous 'free' systems until they closed down.

I used to use them to see how much I still owe, that was useful.  I had a mountain of debt but over last 4-5 years I been getting them down to two left.

 

My biggest one is with Natwest who them let it go to another and then Caboot.

It's no longer on my file as of last month, why? I don't get it.

 

The only other change is I got a PPI agent to send letters out and that's all I can think of as I had a payment for Barclays but Natwest I never heard anything.

 

1: Has Caboot Gone?

2: Has Credit Files been somewhat 'paused' while we going thru a pendemic?

3: Do I stop the automatic low weekly payment?

 

 

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once a defaulted date reaches its 6th birthday the whole account disappears.

 

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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who are you blindly paying every week

have you ever sent them a CCA request ?

 

 

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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I suspect I will study the latest info as I not been on a site like this for a long while... way I look at it is if I owe something I should pay it back to get my credit in shape.  

Yes 6th birthday is likely, but when you used to look at the reports, you would see it marked as 'default' for each month regardless if paid or not, maybe I am miss-reading as I have been paying and is up to date.  I always presumed that the last month was registered as a default and the six years would be from there.

 

 

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Disappears off your credit file for ever, invisible to anyone, without any evidence that it ever existed on the 6 th anniversary of its default.

 

it stopped affecting your credit score years ago. If you are still paying anything you are a mug!

 

Sorry to sound harsh but it’s true.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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forget the calender section no-one bar you and the owner of a debt can see that

its the defaulted date in the debt summary it runs from...

 

so you've been blindly paying DCA's money because you thought paying your debts off improved your score and/or that they have some magical powers and were BAILIFFS, which a DCA is NOT

they have zero legal powers on ANY debt.

 

list your debts, showing or not

 

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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But to be fair DCA’s love to sound and act like bailiffs, and there is zero information out there to say otherwise . Which is why you have been very fortunate to stumble across this site, where we can tell you that it’s an utter and complete waste of your hard earned cash paying those charlatans!

 

As for your credit score , that’s about as useful as a chocolate fire guard. 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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No MSE and Clearscore dont use the same Data

 

Credit Karma - Transunion 

Clearscore - Equifax

MSE CC - Experian. 

 

Your milage will vary with each. Go check with all 3 :) 

Also try to get your report direct from Equifax - Its been known for Clearscore to be inaccurate sometimes

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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And don’t sign up for their paid for service . You are entitled to see your online credit report free under GDPR.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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interesting.

 

I have stop the weekly payment, will review CCA.

 

I had a look on Karma and similar pattern to the other records I seen.

 

Thank you

 

 

 

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who are you blindly paying weekly and for what?

 

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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