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    • That's great news...glad you got it all sorted...
    • Thanks dx  This is the only one which is paid by standing order from an old account I use for a few bills so forgot all about it.  I don't think BC ever did default it but know that know link can't add the default now after all these years.  I would have cca'd BC along with all the others in 2003 so they must have sent something.  I've just checked with my bank and they haven't refunded me  so must have been passing it on.....which is a shame.  I'll cca link.  Can you still tape a pound coin on to the letter or does it need to be a postal order?   (Old username would have been something like tartanbarty or similar)    
    • By and large this was predicted in my previous post. I completely agree with you that you shouldn't be required to have read the manual before you enter the contract. I think your position is broadly that which I suggested in my earlier post and your next action is to send a letter of claim – but this assumes that you understand the steps involved in bringing a small claim in the County Court and you are prepared to go ahead. There is no point bluffing. It won't get you anywhere. I think that you should rely on their so called treadmills buying guide https://www.sweatband.com/treadmills.html and if I were you I'd make sure that you take a copy of the page in case someone decides to get a bit fancy with it. I would also take a copy of their specific Q&A's in relation to that particular treadmill just in case somebody mysteriously tightens up the wording. At the moment the wording is really simply a general recommendation and nowhere does it specifically one you that by doing this you risk the machine and also it will invalidate your warranty and any statutory rights. I suggest also that you start going over the Internet and find anyone else with the same experience – I believe that you said that a number of people are stunned to find that their treadmills are breaking down. Start finding out if they have put them in the garage. If you want bring along to this forum we may be able to help them as well. You need to get as much evidence as possible that there are issues here and that the manufacturer and/or the retailer are not properly warning their customers. Prepare a draft letter of claim and post up here. However, make sure that you have read around and you understand the steps involved in taking a small claim in the County Court. It's not difficult but it will help you to understand the journey and it will give you confidence.  
    • Ok here goes for a first draft... .    Dear Will & John.   I must admit I was in awe of receiving a letter from your esteemed law firm thinking what have I done to deserve such an honour. Perhaps you have discovered a long lost relative has left me a fortune in a will and I could give up work to pursue my love of goat farming using the money to set up a small holding in the outer Hebrides producing fine cheese and goat hair sweaters. Alas no! In bold letters it stated Letter before action almost if one had to get ready for battle and my power ranger pyjamas will have to be on a boil wash first before I can even think about action. Anyway I digress after further research I discovered this is in relation to some parking shenanigans of which I have no knowledge, so as the Private Parking world's best solicitors you should be aware, I know that you know a case isn't going anywhere on the facts as presented. I may add that that not all is lost, as I used your letter to line the cat litter tray. Mr wiggles is most pleased with his firm and absorbent lining beaming happily away as he does his cat business before securing a warm spot in front of the fire as we sit down to watch cash in the attic. Good luck with the soliciting business I hear it can be quite lucrative. P.S – it is uncle Herbert who apparently left a fortune so if you do come across him please let me know…      
    • I don't know the answer to that one. Should I do the portal thing or call Drydens?
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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
    • 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

Being chased by debt collectors for a vet's bill


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Its just come to my attention that a friend has been getting pressure from a company called ACT credit management.

They are collecting a debt on behalf of a service provider.  My friend has been pressured to pay far more than they can afford and I've suggested that they request an income and expenditure form.

This has been sent but insists on evidence for all about goings. Bank statements etc. Can they legally insist on this evidence.

 

I'd also like to know if it reasonable to request details of the debt. it wasn't  credit agreement it was for an essential service that should have been paid when the invoice was presented. I'm not convinced that the original cost was fair. 

 

Thanks in advance

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Who is the service provider?

 

IS it leccy gas water??

 

What income does your friend have, WHO set up the repayments, your friend or these clowns?

 

How are they making the payments, DD cheque, standing order?

 

No one, less for a judge, can request to see I&E forms, although  depending on what figures were talking about they may help in limited circumstances.

 

Name names  and figures please.

 

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes, I think it will be helpful if you simply lay out the entire story in a bullet pointed chronology.

If you want good and detailed advice then you have to give us a reasonably detailed account so that we don't have to ask any questions

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Thanks for your response

Emergency vet bill. I don't think they've bought the debt judging by the way they word the letters

Value is about 2k, Paid online monthly. 

Original arrangement was set up over the phone a couple of years ago. They call every month and refuse to drop the payment to a reasonable, affordable amount.

 

No problem filling out an income and expenditure form i just don't think asking form evidence is reasonable.

 

Thanks again.

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I'm sorry, but that's really still not a very understandable story. You are simply abbreviating things.

We asked for a bullet pointed chronology – and that's probably what we need. Just as an example, when you first laid out the story, it sounded as if you are dealing with an energy company. Now it seems that when dealing with a vet.

You don't need to make this hard work for yourself or for us.

Please just lay out a bullet pointed chronology of events from the beginning to the end. Not too much narrative

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i was gonna say i bet this is a vets bill

it's ACT's favourite food along with bogus private school fees.

 

just remember the red bits below my post

and no they are not entitled to any of that info on their I&E forms!!

 

 

  • Like 1

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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10 minutes ago, dx100uk said:

i was gonna say i bet this is a vets bill

it's ACT's favourite food ...

 

 

 

😃😄😄

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Thanks for responses.

 

The post thats been deleted was posted before the post requesting bullet points. I was deliberately vague on the type of debt it was. However a utility company is not a service provider

 

The answer provided in respect of the income form is great.

 

The only question i have now is if its reasonable to request  breakdown of how the debt has been calculated and any contract hey may have been in place.

 

Thanks again 

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pers i'd certainly not be paying a powerless DCA anything EVER. esp when they dont OWN the debt, which in this and most cases they don't

and most certainly NOT over the phone or use the phone to a DCA ever, no matter the reason.

they lie and threaten all kinds of illegal things on a phonecall that they'll never put in a letter which is why it is sO important to record their calls, then you can raise a complaint against them.

 

cut the DCA of totally

ring up the VETS and set up an affordable repayment schedule with THEM directly

but 1st ask for a balance i bet that doesn't match the sums paid to the DCA.

 

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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A utility company is certainly a service provider and they are generally treated as such by courts, regulators et cetera.

 

Please don't be vague about any details that you give us if you want help.

Were the advice we give here is free of charge – and it is generally speaking excellent advice and we help thousands of people, you should treat it as if you are paying £300 an hour for it and that means your best to help us so that we can help you solve your problems quickly and efficiently

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  • BankFodder changed the title to Being chased by debt collectors for a vet's bill

And to add to my site team colleague' s advice above, if you phoned the vet, they may well say that it is out of their hands now and with a debt collection agency. Insist that it is with them and if they maintain their position then it is probably worth writing to them to confirm that you asked them for details and that they refused.

It's a good idea to develop a paper trail – especially where they are acting unreasonably and refusing basic information such as an account. You could also serve them with an SAR which will compel them to provide you all the information you want

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Please keep us updated

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