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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
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      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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      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!
       
       
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Barclaycard Debt - Now with Rob Way/Hoist


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I'm making efforts to address multiple debt issues and this is the next inline. 

I received the attached letter from Rob Way recently offering a discount to pay the account in next 3-6 months. 

I have routinely ignored all letters but would benefit from responding to this in some way or another as the letter is addressed to my new address but I have not told them I moved (I am resolving this with other creditors).

 

Original Creditor - Barclaycard.

Account Opened - October 2014.

Last Paid - June 2017 (approx).

Default - December 2017.

Balance - £6544.

 

A refund of fees that ought not to have been charged was paid to reduce the balance earlier this year.

 

I am not certain as to if I received a Default Notice, Notice of Assignment or anything else.

 

What's my best next step?

 

2020-11-22_Discount Letter -CAG.pdf

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simply send the change of address letter.

as advised in your other thread.

 

until/unless you receive a letter of claim sit on your hands once a DCA that owns a debt has been informed of an address change.

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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actually checking what i said again

you are currently blinding paying a DCA on this debt

they get a CCA request

as that will have your new address on it that obviously negates the need for the address letter for THIS 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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Thanks for the prompt replies.

 

Details as follows:

 

Me:

Cabot (Next) £1759 (Claim auto stayed in 2019) – old address.

Hoist (Vanquish) £3276 – old address.

Hoist (Barclaycard) £6544 – new address.

Lowell (Cap One) £2724 – old address.

Lowell (Cap One) £1608 – old address.

Cabot (Halifax) £2504 – old address.

PRA (MBNA) £8364 – old address.

Cabot (Zopa) £1424 (Claim discontinued) – old address.

 

Partner:

Cabot (Next) £1915 (Claim auto stayed in 2019) – old address.

Lowell (Vanquish) £3425 – old address.

Hoist (Barclaycard) £2250 – old address and paying £10 per month.

Lowell (Cap One) £4176 – new address and paying £10 per month.

Lowell (Argos) £1636 – new address and paying £10 per month.

 

I have asked her to stop making these payments until we have resolved what our next action should be.

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 see how you have read that.  This is the one in my name for £6544 and last payment was around June 2017 as said in the first post of this thread.  I genuinely misunderstood from earlier and will just post the letters that you advised.  Thanks.

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ok sure i see there are two bc debts

so they dont need either ?

or are you simply assuming as they have written to your curent address they must know it...which of course is not correct..

 

well done, for the sake of a 2nd class stamp and the new AD letter, it's better to be safe.

fwiw: hoist nor anyone rarely ever get enforceable agreements anyway out of bc as it's never bc's policy to ever provide concrete proof for some reason.

 

 

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 not taking anything for granted anymore, I cannot afford to.

 

I am providing CCA's to the ones that are in receipt of £10 per month and will send letters to all others so that I know that I have advised them of the change of address.  12 letters for the post office tomorrow.

 

Good to know about Hoist and BC. 

Edited by kjw327
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KJW just to let you knowI assisted a friend with ten debts.  CCA's sent to all ten.  Not one came back with anything useful, 9 came back with nothing one came back with generic T&C's which were rubbish.  He has stopped paying and they are not doing anything and are unable to do anything.

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  • 2 weeks later...

I received the attached reply to my letter that was sent to notify them of my change of address.

 

This is crazy, I merely stated that I was referring to the account number and that my address was........

 

Is this sent to try and trick me to acknowledge something? 

20201203-COA Reply-CAG.pdf

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No matter at all. If they can't read a letter and understand what you were telling them, that's their problem !

 

You gave them your new address so, if they use an old address to get a sneaky back door CCJ, you have all the proof you need to have it set-aside.

Edited by slick132
"used" to "use"
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yours is not the next move

 

dx

 

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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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