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    • Thanks BN. I should add, that any Bailiff action is, to my mind unconscionable, and the point should have been raised by the Master IMO. As usual our problem will not be, what the amendment says.  But more, what some EA will imply it says, on the doorstep.    
    • Yes agree UB it will be unworkable in practice, the issue being that some EA will regard the Virtual CGA as allowing them to physically force entry later if payment not forthcoming.  Or like some bailiffs used to try to imply that phone call a desperate debtor makes at Compliance stage is in effect a Virtual CGA when itn is nothing of the sort. Rule 1 it is known some  bailiffs Lie. Rule 2 Treat all bailiffs as liars until they prove they are not.
    • I cannot see many people agreeing to any virtual webcam review of goods to be controlled.     Many people in debt may not even have the facilities to be able to do this.   And the few that agree may try to have a laugh at the enforcement companies expense.  e.g. this painting is by well known local artist Peter Ist, but he signs his paintings as  P Ist and this other painting is by Brian Roke who signs his paintings as B Roke.     Who would agree to this without understanding the consequences ?      
    • Well poss unenforceable cca both lets see
    • Although I will be submitting another request as DVLA haven't stated when they responded to VCS with the information.  18th was a Friday,  VCS say they posted the letter on Mon 21th.  Seeing how this SAR has taken this long, I doubt the DVLA went all out to clear the request over the weekend, but we'll see.
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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

Link financial outsourcing Ltd and co operative bank plc


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Co-operative Bank 

 

The bank did not contact me during the covid 19 and I was self shelding during the covid 19. 

The fca website i am entitled to have 500.00 overdraft.

The bank did not offer me overdraft because I have 200 overdraft. 

 

I have a look at the fca website its give us that the banks shouldn't give any late markers on my credit report which they have.

They default me on September 2020. 

Now I am with the Financial Ombudsman Service for help. 

I notice that default amount is £214 which I dispute them first 

 

Link financial outsourcing Ltd £215.00

I received a letter from them saying my account has passed from the bank to link financial outsourcing Ltd. 

During the lockdown I suffering from generalised anxiety disorder due to the bank and debt collector actions. 

They were rude and threatening me on the telephone.

I also report it the lender and they don't help me at all.

 

I do have their final response from them its off to 

Credit association and financial services Ombudsman 

 

I will keep you updated 

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you should never be phoning powerless dca's

they are not bailiffs.

 

are their clients stated as the co-op or have they purchased the debt?

 

 

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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On 10/11/2020 at 16:57, Debtorproblem said:

The fca website i am entitled to have 500.00 overdraft.

 

the above is not true.

you are not entitled to a £500 OD.

 

was there any debt before covid start with the co-op?

it's very telling they have so quickly sold the debt to link.

pers i'd simple ignore them

nothing link can nor will do for a £200 OD debt 

 

as for the markers on your credit file.

answer my above question, but as far as i am aware, there are again no covid rules that state a creditor cannot mark you file.

 

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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Ignore Link, don’t call them. It’s only a £200 default . Mind you I’d be giving the same advice if it was £10,000. Don’t get into any payment plans with them either, just let the statute barred clock start ticking. In a year that default will be irrelevant anyway in terms of your credit history.

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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From the perspective of a mortgage for example a small default on its own more than 12 months ago won’t have an effect. 
 

If the default is large, multiple, and or CCJ’s it’s still possible to get a mortgage at the 12 month mark, with a big deposit and a high interest rate. In that situation the 2 year mark is a huge milestone, where deposit levels and interest rates take a tumble. After 3 to 4 years, even with a dire credit file, near normal rates apply.

 

Of course the caveat is that no new problems occur. The other exception is pay day loans which will almost always need paying off, no matter how old they are before a mortgage is considered.

 

 

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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