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    • Welcome. please follow the advice given above as to reading around the various stories and then monitor this thread for a full reply tomorrow  
    • Hi Everyone,  I am the seller in this case and want to thank the buyer for their support.  The bike was delivered to the local Hermes Parcel Shop really well packaged and sealed on the 3rd Feb with a receipt obtained.  Sadly the parcel was emptied on route to the buyer.   I had listed the bike for collection only however the buyer messaged and asked if we could arrange a courier to which I agreed and they organised that.  When the bike went missing I contacted the local police as the Hermes parcel shop said they would not release CCTV to me.  We got all this from the Police.  since then the buyer has tried his very best which I am grateful with Hermes and parcel2go but is struggling.  Any help is appreciated. 
    • Also, you should start a claim against Hermes. Post your story on the Hermes sub- forum. Give us a full breakdown – including dates and value et cetera. We will help you get your money back
    • We care, we are highly motivated – and we enjoy winning against Hermes – which we do on pretty well every occasion. Start reading the sub- forums so that you are familiar with all the Hermes stories and the way that the process normally goes. Make sure you understand the mediation process. Make sure also that you understand the steps involved in bringing a small claim in the County Court. It's very easy but you need to know the steps in advance so that you have confidence. Don't forget that this is a self-help forum   If you have CCTV footage then please post it here. I suggest that you put it up on youtube and then post a link to it on this thread.
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Hoist/Cohen - Letter of Claim for Barclaycard Debt


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Hi all

 

I will dive straight into my scenario. 

 

I have a personal Barclaycard credit card that I defaulted on in first half of 2015.  This debt has been bought out by Hoist in 2019.  I have not made payments since the first half of 2015 to the account. I am pretty sure I have not acknowledged the debt to the DCA that occasionally contacted me since then The six year anniversary of the default will arrive in the first half of 2021.


I recently received a 'Letter of Claim' from Howard Cohen Solicitors informing me of Hoists intention to issues proceedings in the County Court for the outstanding amount. The letter states I have 30 days in which to reply. 

 

 The letter states that it is written in accordance with the Pre-action Protocol for Debt claims. They have provided a brief summary of the outstanding debt but not the original signed agreement.  My feeling is that the pressure is being ramped up because of the upcoming six year anniversary of the default.  


I am not sure whether I should;

A). Ignore the letter (if so what are the consequences).

B). Stall for a little more time until the six year anniversary of the default arrives, and whether engaging with them too has its own set of consequences.

C). Pay too much attention to the six year anniversary of the default  - as I am not sure if a debt becomes automatically statute barred after six years in which I have not acknowledged that debt. 

 

Like many, I have been hit by Covid economically.  I have not worked most of this year.  I am operating at substantial loss with funds fast drying up. The work position doesn't seem to be changing any time soon. I am not claiming benefits or anything.

 

Any suggestions for plan of action would be gratefully received.

 

Thank you

 

Arthur M.

 

 

 

 

 

 

 

 

 

 

 

 

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Follow post 2 here

 

 

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 Hoist/Cohen - Letter of Claim for Barclaycard Debt

Thanks for the links dx100uk.  Some useful tips that I wasn't aware of, much appreciated.

 

Still wondering whether to engage or not,  what the consequences are If I don't but if I do, would the debt get kicked down the road somewhat. 

 

I am not sure whether to pay much attention to the default date and if the debt gets statute barred, as I saw this as a key date in the scenario.

 

Re. post 2 in the link, I do not they have my phone number.

 

Thanks again.

 

Arthur M.

 

 

 

Apologies - that meant to say, they do have my phone number.

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have you moved since taking this credit out and have failed to inform BC or Hoist in writing that you've moved?

you MUST reply regardless.

 

not sure what a phone number has got to do with anything?

 

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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Thanks for clarifying that I must reply.

 

I have moved. I have not informed Hoist, BC or the DCA of new address but they have it.

 

I mentioned about my phone number as is states on post 2 of the 'Pre-Action Protocol' link you provided that 'DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER.'

 

Thanks

 

AM

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You should never ever run from debt.

You seriously increase your chances of a backdoor ccj

Which is why they have written.

Search here top right backdoor ccj

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 again dx.

 

That all seems to make sense. I am following up as per the suggested.  One thing; can you please explain why it is recommended to use the 'reply form PAP' attachment in the link you provided? Looks the same as the one provided by the solicitors, albeit with a much fainter/smaller font. So I'm not sure why this is relevant (unless of course I have missed something - entirely possible).

 

Arthur M

 

 

 

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we have seen the std questions be changed to loaded ones in a dca's favour or asking for info that is not allowed

 

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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