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    • CCA/CPR should have gone off 2 weeks ago!!    
    • Hi,  Sorry about the late reply its been very busy.  CCA and CPR are being typed up now ready to go out tomorrow.   I had her look at her credit file and she thinks she has found the correct one for Cabot with a date that matches the one on the claim but it has her current address not the one she was living in at that date.  No information on last payment or defaulted date.  Also, no account number on Cabots claim form either.   Honestly she has had multiple accounts with JD Williams various outlets over the last 20 years, at least 3 with Jacamo who keep lending to her despite her having no income.  She is trying to get herself out of that debt cycle, but she is disabled and easily led by others to do silly things.  
    • Deepfake, or AI-generated videos, are increasingly being used commercially. View the full article
    • hi please check the content of letter.  To Hermes Parcelnet Ltd, Capitol House, 1 Capitol Close, Morley LS27 0WH   Dear Sir I posted an item through (Pacelink)Hermes on 7 February 2021 with tracking number: 1732380759006010. The customer received the item but the package was tempered and content of package was missing. Please see the photos which customers sent, he found tissue papers inside the box but the graphics card worth of £780 was missing. Now because of your poor service my item worth of £780 was stolen by your staff member. I had to refund the customer with full amount of £780. In my view you should pay me £780 as soon as possible. Otherwise, I will be taking this matter to County Court as well as I will be claiming for all the damages with interest. You have 14 working day to give you response after you received my claim letter. If I did not get a satisfactory response you, I will take this matter to county court.   Regards my details with phone, email and address (do i need to mention my address?)
    • nothing....   other than insuring their client is informed by you of your correct and current address in writing.    
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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
      • 1 reply
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Link and Halifax Loan + sep Halifax OD


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Yup, you are right i just read right back through the thread.

 

Just go somewhere quiet, and take a good look.  I found that most fees are £12, so pretty easy to spot.  

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all fixed sum fees are unlawful..

 

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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AP or Arrangement or DMP will appear in the debt summary line, that prospective lenders can see if they undertake a credit worthiness search, from the day you make the arrangement - till 6 yrs after the last AP payment. that can be for more than 6yrs.

 

plenty of threads detail that here already.

 

as for the arranged OD fee HWT... did you ask for an OD or was it a packaged account fee - whereby you got free insurances too.

 

an arranged OD fee should only be charged if you are in an OD situation on that month

if the OD balance at that point in time is solely made of the sum of any OD fees+any other unlawful fixed sum fees - then it's there charges that have put you in that position, so no OD fee should be levied.

 

this is where a spreadsheet comes into it's own.

if the OD fees and penalty fees to that date are more than the outstanding OD sum, you include it.

 

 

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 have been through all my bank statements provided by Halifax and I only have arranged overdraft fees and some unplanned overdraft fees these total around £1900.

 

I have requested Halifax repay them back to go towards my debt as I am in financial hardship don’t know if I’ll get anywhere. I used the details on the Martin Lewis website.

 

But other than that I don’t have any charges from Halifax 

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hope you charges them interest at their rate from the date of every charge!

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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Oh yes, I’ve asked or 3k in total with interest for two accounts 

 

just shame can’t do with all the interest I’ve paid on my loan 

Edited by Halfwaythere
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  • 2 weeks later...

safe to ignore

safe to stop payment..

 

OPPS the fleecers have been found out...

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’ve stopped payment which is due to come out tomorrow but I’m sure Wescot will try chase the debt for them I will just send them a copy of the letter and no more.

 

the debt is a Halifax loan taken out in 2016, It paid an original loan I was paying Halifax for from a few years previous and to try and consolidate other debts as a last ditch attempt to get control on my finances which failed.

 

My question is would they need to find the CCA of the newer loan or the one it consolidated or both ?

Your time is appreciated and your patience !

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They never found Jimmy Hoffa, that’s probably more likely than them finding  your agreement

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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new thread created for the halifax stuff.

 

post here now for these debts

 

 

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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  • dx100uk changed the title to Link and Halifax Loan + sep Halifax OD

and did you enter the electronic password.?

 

i cant quite understand why they sold this on so quick.

i will gether there was serious compunding issues with further payments to everyone when you approached the debt help charity?

 

 

 

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

I presume I entered the password.


no all payments were up to date when I entered the DMP I hadn’t missed any it’s just I owed out nearly 50k and payments weren’t making a dent as I was paying so much on interest. I don’t know why they sold it on don’t really understand the whole process

 

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well the further you come away from the 2007 changes to the CCA the more difficult it becomes to use a paperwork wriggle .

 

 

i suspect they are frightened of an irresponsible lending claim.

when you took this loan out you used it to settle a previous loan with them & other debt too you indicate?

 

was your credit file already shot and you had lots of addition lending?

 

is there evidence of this in their comms/account log in notes people have made on the account?

 

 

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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Just been through it all again I can’t find anything in the comms I can identify but that’s me looking. 
 

Yes I was deep in debt when I took that loan out. lots of unsecured debt with no assets. The loan was to consolidate the other loan I had with them and debts but it didn’t touch it. I also had a overdraft with them that they didn’t sell but passed to Moorcroft to collect.

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well as said before ignore moorcroft totally.

 

tell us about this previous loan please..

 

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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I’ve paid the Moorcroft one.

 

from vague memory I think the original loan was taken around 2013/14 and think was for 15k.

 

the second loan was taken out March 2016 and was for 19k. There were some repayment holidays on it: I have linked here some documentation on the application and the process of it moving to collections and sold included in the SARs, wonder if you can understand it? Or would be kind enough to look 

2020-08-16_14_21.45_(Merged)-1_copy.pdf

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Details of the old loan from Halifax should be in the sar!

 

was the 1st taken out in branch?

and who advised you to consolidate your debts into this online 2nd one?

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

So they refused you twice for this 2nd loan..2013+14.

 

Makes me think even more that they already knew you were a risk and should never have loaned to you.

 

Fast coming to the conclusion you should stick in an irresponsible lending 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
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