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    • Thanks! I've had several successes in the past 4 years or so which stemmed from a financially difficult part of my life around 2011/13. Basically I was financially trapped with Quick Quid, in a cycle of increased borrowing, during this I'd opened three catalogue accounts: Studio, JD Williams and Simply Be , 2 credit cards (Aqua and Barclays) and was juggling finances. In that time I had got 2 CCJs plus 2 defaults so things were pretty tight. I was using most of my available credit until things eventually became unsustainable. When I moved house I used the deposit to pay off Quick Quid and got into arrangements to repay the catalogues. The credit card limit was still rising until 2017 when I borrowed the balance of nearly £6000 from a family member and cleared the Aqua card. The Barclaycard had already defaulted. In 2017 I began action for irresponsible lending against Quick Quid. Basically they could not show the criteria they used to make lending decisions  and kept lending to me so I won the case. I was refunded all interest and fees  and charges plus 8% pa. When it was upheld it gave me the confidence to challenge JDW and SB. These were also upheld and they had to repay interest, fees and charges plus 8% from the second credit limit increase which amounted to about £1200 each. I challenged Aqua where my redress covering 6 years fees, interest and charges accrued to nearly £9000.  Barclaycard was not upheld but the default was moved back to an earlier date meaning it expires sooner.  All my IRL cases succeeded because none of these companies could prove that they had diligently checked my financial history. My credit report clearly showed that I was using a high or at limit proportion of available credit and that I'd accrued two unconnected CCJ's and 2 defaults throughout the lives of these accounts. Whether they should have given me the accounts in the first place was also brought into question but it was the sustained but gradual increase of CL's time and time again without proper checks. JDW were unable or unwilling to show the ombudsman what criteria they used. It only appeared that because I paid on time they continued to offer increases where in reality I was actually juggling finances like a fine balancing act.  It would appear that the FOS are looking at catalogue debt as I know when my cases against JDW and SB were being investigated they mentioned this.  My case against Studio should conclude soon. I was curious as to why now Cabot are trying to cut their losses by offering such a hefty discount. I can only summise that Studio are trying to buy back the debt for less.  
    • They have made an offer  Remind them in no uncertain terms that under CONC they are responsible for the conduct of their agents , (research and quote this) and negotiate a payment plan of their offer As dx says we really need all the details to understand the full picture 
    • Ben Gulliver saw a chance to make money, selling items people struggled to get during the pandemic. View the full article
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    • IMHO yours is not the next move.  
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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

CEL ANPR PCN - Morrisons, Butterfly Walk Car Park Denmark Hill Camberwell, London SE5 8RW - paid-did not enter Reg No - POPLA rejected appeal


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They rely on threats and an ever increasing bill to persuade people to pay, just ignore as stated until they try it on with a letter of claim.

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Where have you got the idea any debt can have bailiff s involved before you've lost in court????lll   you paid, just because their stupid system shows an extra mystery payment and your reg n

Perfect, so basically make a lovely file of future origami fodder until or if a Letter Before Claim arrives.   At which point it's time to get my legal ducks in a row.

And this is exactly why you never appeal, they have pointed out that they are now pursuing you as the driver, not the keeper.   Assessor supporting rational for decision The appellant

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Hi all,

 

Just wanted to check in with the latest nonsense from these guys. They say the debt will be passed to a collection agency, is that even possible with out going to court? Their threats seem to just skip this part of the process out?

 

Should I be responding to them that I will happily discuss the case in court. Just getting wary of sitting on an ever mounting, if total tosh, bill.

 

All the best,

 

David

IMG_9270.jpg

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If you & I were in legal dispute, I could sue you and you could sue me.  My next door neighbour couldn't sue you, your best mate couldn't sue me, the case would have nothing to do with them.

 

Similarly debt collection agencies have no power and can do absolutely nothing - it's not their case.

 

The involvement of DCAs may sound scary, but in reality Civil Enforcement aee threatening that, if you don't cough up, er, you'll have to open another envelope.  Not really a grand, apocalyptic threat!

 

Sit back, relax & ignore.

 

 

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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Only letter to action is a Letter Before Action/Claim

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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  • 4 weeks later...

Hi,

 

Has anyone got an update on this? I recently got a parking charge from this same car park for parking there for 20 minutes.

 

My mum is disabled and she needed the toilet so I stopped in this car park so she could go to the toilet in Morrisons. I did not see the parking charge as I stayed in my car to monitor my car as I didn't realise it was a camera controlled car park. Also not sure if disabled parking is free anyway as I don't know what the signs say?

 

I haven't replied to this yet but I'm not sure it is worth trying to appeal or just go down the route of ignoring them?

 

Would love any advice on this please? Thank you

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Your case is quite different from Yewneik's, so it would be better if you started a new thread.  Simply click on "Start New Topic" towards the top of the page on the forum.

Edited by FTMDave
Usual typo!

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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  • 3 weeks later...

Just to keep things updated, Just received the below, it appears a debt collection group have taken over the case and will be the ones to take me to court. Also very useful that I received the letter on Sunday, missing the payment date stated in the letter. Just wondering if now is a good time to contact Civil Enforcement Limited regarding the CCTV footage of the Carpark, as if it does go to court this will be the best piece of evidence in my defence?

 

Will have a look for a letter template for requesting this in the forums, but if someone has a direct link I'd appreciate it.

 

As always thanks for advice in advance.

 

All the best,

 

Yewneik

 

 

IMG_9500.pdf

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read the letter carefully and a few threads here in the same forum

doesn't say WILL anything

and a DCA is not the debt owner.

 

and that id not a letter of claim

 

ignore

 

PDF next time please

 

 

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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ZZPS are paper tigers, they can no more take you to court than Larry the No 10 cat can.

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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