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    • I have done so now I will see what they say.
    • Hi all,    So long story short, I have just received a notice of debt recovery in the post from dcbl. I opened it because it was addressed to Mr. so and so (my surname but for both first and last name) for an unpaid parking charge that was given back in 2017. I looked up the number plate and the car was actually my mothers car, same initials but different addresses. I think they may have chanced sending it to my address as this is the first time I have received any letter of the sort.    Should I call them and tell them this isn't the right address or just ignore it.    Thanks.   
    • Thanks dx100uk - I'm not sure what the council will do next so will wait and see and update later if there are any developments. Thanks to all on the site for the advice. This has been hanging over my head for so long - wish I'd done it sooner.  
    • You can't really legislate for what may or not happen....get the credit and then see what transpires.   Andy
    • Don't worry about it. Hermes try to wriggle out of every piece of obligation that they have. As soon as you put your parcel into the care of Hermes, it is up to them to look after it and if they are careless or if there staff are criminal – then it is up to them to deal with the problem. They can't pass the buck onto their customers. Can you tell us more about the dates, what it was, value – et cetera. Have you got a formal rejection of your claim from Hermes on the basis that it was stolen? Please could you post up in PDF. If you have some other notification from Hermes that it was stolen from the van then please can you post that up in PDF format. We would love to see it. Spend some time reading around a good dozen or so of the Hermes threads on this sub- forum so that you understand how it all goes. You're pretty well guaranteed to get your money back – but Hermes as usual will spend more than the value of it trying to block you. I don't know what Hermes business model is but it makes no economic sense to me to spend so much time trying to deprive their customers of what they are entitled to along with the reputational risk. Once you have read around the Hermes stories and also once you have read about how to bring a small claim in the County Court, come back here and we will take you through it.
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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

Business Account Overdraft/Closing Business

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Hi all,


I have 2 business accounts with Barclays

- one as a sole trader which I started as and

- one as a Limited Company, which I became a few years ago.


Unfortunately Covid has hit my business model hard and I've made the decision to cease trading to focus on another project.


The issue is that I have two overdrafts that need clearing

-  £1750 on Ltd and

 - £700 on ST

both of which are accumulating bank charges.


My accountant has advised I get a personal loan to pay off the debt before closing the Ltd.

I've spoken to Barclays and they have said that is likely the best option as if it goes to Collections that will affect my credit. 


I'm wondering if anyone has any suggestions about the best option when it comes to clearing this amount

- is a loan the best option or would a credit card be better?


I think realistically I could clear off the balance within 3-6 months but thought I'd check here before sending out any applications.

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Did you sign any personal guarantee for the Limited Company?


If not, why does the accountant feel the Ltd Co will impact your personal credit report? 

Edited by BazzaS
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Hi Bazza. I'm trying to track down original bank docs (can't see anything in online banking docs), but I think there was.


It was the Barclays rep who said that if I progress through to Collections Department it will affect on my persona credit report. 

The accountant is more concerned with the Sole Trader account which is a lower amount

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I’m not saying they were lying, but if there was no PG then the Barclays rep might have been mistaken. ;)

If there was no personal guarantee (& absent e.g wilful misconduct) then the Ltd Company debt can’t affect you personally - which is one of the reasons / ethos behind a Ltd Co : limited liability.


Bear in mind the Barclays reps likely have Barclays interests rather than your interests as their focus.


if there was no PG, it’s no surprise your accountant said to prioritise the Sole Trader debts, for which you can be personally liable.

Edited by BazzaS
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Thanks that's really helpful - I can't locate the original paperwork, so may have to put. in an SAR on that. 


I'm prioritising the Sole Trader account and will clear that off before the end of the year. While waiting on the SAR I'm guessing I can't do anything with regards closing the Ltd.

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pers i find it disturbing and not good practice to takeout more credit to pay of existing credit.

if there is not PG, they can go whistle.


are your sources of income going into either account?


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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