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    • Hi dx,   Unfortunately the FOS have refused to look at my case as they have said i have brought the case to late......   Please see attached.  Complainant.Decision.pdf
    • any joy on getting PDL's reduced or wiped?
    • i wouldn't bother doing anything toward the LO hearing, let it happen. it doesn't add that much, 1'000'000's of people have them.   what you need to do is address the underlying problem of why you've not paid ir and if you are entitlted to any help with it.   have you been up on the entitled.to website and done the benefits check? if not go do it NOW.   you also might need to budget a bit better,  there are very few PRIORITY debts you must pay , like rent/mortgage/gas/electric, they can all effect keeping the ROOF over your head.   things like credit cards, catalogues, digital TV, fast broadband, mobile phone contracts that ALL need to be dropped to <£5PCM to pay for the priority bills first. theres is very little they can do to you, certain cant add anything to a debt and bar setting legally powerless DCA's who are NOT bailiffs on you you can tell them to go do one.   CTAX debts subject to an LO can result in real BAILIFFS at your door, though they cannot force entry and to all intent and purpose can be ignored too, they can add upto ONLY a max of £310 to the LO sum if they repeatedly visit.   get onto that website and let us know your situation.   dx      
    • Hi,   I am currently not in a position to pay council tax as I am off work due to illness. I am in receipt of Universal Credit and receive the health component too.   I have informed my local council of my situation but they are saying there's nothing they can do to stop a Liability Order being issued. I have received a date when I am to appear in the Magistrates Court although I can not attend unless I arrange a pre-booked appointment due to lockdown.   I would like to prevent or at least delay a Liability Order being issued. I understand there are only two reasons that would prevent a Liability Order not being issued, (i) if the Council has not followed correct procedure and (ii) i have paid off the total balance.   Despite my situation it looks as though I do not have a defence of any kind.  It appears therefore that even if I turn up to my hearing that I will not be successful anyway in preventing the Liability Order being issued, so is there any point to attending? And is there anything I can do to at least delay the process?   Thanks.   Walshy
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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
      • 33 replies

Irresponsible lending amigo.loans - too late for ombudsmen unless valid.reason

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Looking for advice.  Amigo loans gave  me a guarantor loan when my credit file was extremely low 8-10 defaults.  


I complained to them about 18 months ago and they issued a final response saying they did nothing wrong.  And j didn't take.it further as I.didnt know what to do.  


I have now been advised I should take my case up with the ombudsmen which I did but have been told it is too late for them as amigo issued their final response 18 months previous . The only way they could investigate if I had a valid reason why I didn't escalate this to them within the valid time line 


Any ideas what reason i can give 😂😂

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i can't see one..

nearly all the irresponsible lending advice/guides i've seen and the letter they sent back would have told you what to do going forward, i'e the FOS... so i can't see how you can say you didn't know what to do.

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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