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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
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old RBOS CC debt passed to Cabot ? what to do?


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I have had a letter from RBOS saying they have assigned my debt of £3600 to Cabot however it must be at least 6 years since i did anything with this debt, the letter was sent to my old address.

 

i have had a look around on the site but cant see a FAQ to do with these issues ( probably me not looking the right area) 

.

can anyone advise me on what the next steps are as i assume this debt may be statute barred ?

but im loath to ring Cabot and go through any details with them and would rather do it via letter.

 

as back ground

i have other debts with other banks and currently have CCJ obtained via backdoor so im obligated to pay that debt.

 

also did a stepchange thing that showed i have no other available funds to pay these other debts off.

 

any help appreciated

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you never ever ring a DCA nor email anyway no matter what you might think is a good reason

 

if the debt is SB'd

then send cabot our SB letter from the debt collection section of our library.

 

dx

 

 

On 08/01/2020 at 19:56, London1971 said:

Correct.

 

No need for them to prove anything.  They have got you on this one. 

 

Best to come to an arrangement on this CCJ and put your energy into making sure any other creditors have your current address.

 

so you didnt follow the advice on your other thread from earlier this tear?

 

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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Posted (edited)

i did but for the rest but for some reason RBOS haven't altered it on th clearscore app it still shows my old address 

Edited by duffblade
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What is the debt ...Loan/ Credit Card ?

We could do with some help from you.

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

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Posted (edited)
19 hours ago, London1971 said:

What's the default date? It should be on your Credit File

shows as June 2014 when payments were missed but shows as in default but shows a date of 2015 when it was updated

Edited by duffblade
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forget the calendar section

what is the defaulted date from the debt summary section?

it will say date defaulted xxxxx

can you clarify that please?

and who is shown as the owner cabot?

and what is the type of credit?

 

 

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'm sorry I'm using the clearscore site

the experian one tells me nothing without paying

 

all i see is the card name and number

it says in default

but there is no date

then the amount

and below that a calendar depicting on time/missed or no data

 

it the then say the date opened and the date updated

 

is there another that could give the date you'd recommend

 

 

 

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well to sell the debt RBS would of have to have issued a default notice upon sale or before.

now to take since june 2014 to issue a DN is outrageous so i suspect you did received a DN from then years ago but have forgotted

 

RBS had your correct address ...thus so do cabot 

they can't issue a back door CCJ claim then like your other one (M&S CARD) 

and must abide by the pre action protocol.

 

await cabot to start waving their arms at you

 

in the meantime, send RBS an SAR.

 

 

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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is that a subject access request ?

just for my curiosity why am i requesting this?  and what do i do when I receive this info?

 

cabot have started calling me but leave messages for me I've avoided them for now do you suggest I send them anything?

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 sar to RBS will get you everything they hold on you

inc the statement

which might well prove useful for last payment date 

and default notice issuance in their account log pages.

 

as for crapbot...until or unless your get a letter of claim 

you are safe to ignore them 

 

 

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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  • 2 months later...

sent off for the SAR

still haven't heard anything from them but

 

today received a Cabot letter saying as they haven't heard from me they will instruct a company called resolvecall to visit my home.

 

should i be worried about this or is there a generic letter i can send to cabot 

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resolvecall are a powerless dca and a dca can never be a bailiff.

 

go chase that SAR, they only had 30days!!

 

 

 

 

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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