Jump to content


  • Tweets

  • Posts

    • I have no confidence left in the surveyor or his abilities.   Surveys are not what they once were.   Walking away £1k down is better than months of stress followed by losing another £1k on top. Cutting my losses and walking away is wise advice that I am going to accept and get on with my life. In this case it has paid for me to ask
    • Hello,   I purchased an LG Oled E6 television in 2017, and over the last few months it has developed a green area across the central area of the screen covering maybe 70% of the screen, which is impossible to unsee.  It means that all faces and pictures have a green look to them as you are viewing, and you can see some lesser examples of this by a simple google image search for 'green lg oled'.   I had a 5 year warranty as standard with John Lewis, and so reported this to them, and in due course they sent out an engineer.   The engineer took a few pictures and said he had seen this a fair bit with LG televesions and it would need a new panel, so he would send a report to JL   A week or so later he had sent the report back to John Lewis, stating that my particular model being one of the last 3D panels, could not be repaired, as LG do not make them anymore, and ultimately that the fault is down to 'customer misuse' by causing this 'screen burn'.   I was flabbergasted that I am somehow to blame for this by merely watching the television, which for one, has a built in screen saver to avoid burn in, and secondly, being someone who diligently used the lowest brightness settings and cleared the panel noise (using the in built tool) regularly to try and avoid such an occurence.   John Lewis are now completely absolving themselves from the issue, and having spoken to LG, they acknowledged by email that "...based on the nature of the issue that the unit has developed, the outcome is a Panel fault issue which has been confirmed by our technicians after a review of the images you provided...", and ultimately that I can pay them a reduced cost to repair it if i wish.   I don't see why I should have to pay for this at all though, especially when looking online there are numerous threads on forums and even a youtube review talking about how this particular generation of OLED's from LG have had the same common problem.  JL do not wish to contribute to the cost of repair, nor replace the TV as they are hanging onto this report which says that it is screen burn caused by me, and LG don't want to officially acknowledge it as a known issue with 2016 and 2017 panels for obvious reasons.   Please can someone help explain my options?  I didn't pay by credit card, and I have never been through the small claims process before, but I am at a loss for what steps to take next.   Thank you  
    • It should be, of course. There should also be mention of it on the information page.
    • Perhaps, but is a person who promises local goodies on behalf of a arch liar who wont, and who supports that liar - worth anything? So (despite your comment on 'dishonesty) did you vote for arch liar Johnsons' party then conniff? or was Farages your choice if available?   I voted for a local people who I believed would do the local job best - and a significant part of that is that they aint Corbynisto-ssas' or Johnsona'rse or Farages'phincters ...whos basic values commonly do not present as mine - and whos loyalties commonly 'lie elsewhere   (that leads to a point - has Derbyshires Police commissioner been voted out for overseeing Derbyshire cops going out mob handed to oppress and enforce NOT covid NOT law)
  • Recommended Topics

  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
      • 32 replies
    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
        • Haha
        • Like
    • 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
  • Recommended Topics

  • Recommended Topics

backdoor Amex/Stevensdrake CCJ & OR has now lost his right to our homes now


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3611 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Has anyone had dealings with Amex and Stevensdrake (a firm of solicitors according to their letterhead) who I assume bought my debt or are acting on behalf of Amex, perhaps I should ask.

 

Every so often they ask me to increase my token payment and it is only since discovering this site that I have changed my attitude.

 

I would imagine that my debt to Amex included a rather large amount of charges but as far as I can remember, my account was closed over six years ago.

 

I do not have my original correspondence.

Before I take this further,

can I claim back the charges even though they might have been added over 6 years ago (and reduce the debt) and is it advisable to ask Stevensdrake if they bought the debt or are acting on behalf of Amex before issuing a CCA?

 

Any thoughts?

Link to post
Share on other sites

I would CCA Stephendrakes regardless and in the meantime I would send SAR to Amex..

6 year limit is dubious, one or two on here in the process of trying to claim for them.

Just hate every DCA out there

Link to post
Share on other sites
  • 2 weeks later...

Received what is supposed to be a CCA but I have my doubts. Zubo has advised me to run through it as per his instructions show on the CCA thread.

Link to post
Share on other sites

Thanks for the post Zooman. I hope I've done this right.

 

At the time of the bankruptcy (2001) we did not have anything left to purchase the wife's share.

 

I have read all the bumf and while I can understand most of it (I was a civil servant for 30 years)

there are bits that I am probably mis-reading.

 

Under the new rules I think the OR has until 1/4 to take action on our property and not 3 years following bankruptcy.

 

I may of course be wrong; perhaps you would like to comment, all advice is greatly appreciated. Rightly or wrongly we've got our fingers crossed for 1st April.

Link to post
Share on other sites
Guest Zooman

that's correct, of course I do not know how the PRU is going to deal with any matters that have escaped the hole, what I have been advising anyone who is in this boat unless they want a loan or to move to leave the trustees caution on the house and allow more time to pass before starting action to remove the caution.

 

I can not tell you how much I have been looking forward to this date. The end of the money grabbing thieves of IPs getting money for old rope. They are the only reason I believe in God, in the hope they go to hell for all time.

Link to post
Share on other sites

Zooman

 

I could not agree more.

The system stinks and if I wasn't a well mannered geordie my language would be well, you can guess.

 

Although it was my wife's bankruptcy we shared the burden like good couples do.

I was actually the 2nd largest creditor.

Good old Lloyds was the biggest.

Knew I'd get the barstewards back somehow!

 

The unfortunate side is that I ended up not being able to pay my credit card bills but I did set up small token payments.

They might go away eventually with the help of CCA's.

 

Another thing, I got a credit report yesterday and I've got a CCJ which I knew absolutely nothing about.

I now have to investigate this.

Could turn out to be a good thread.

 

We've decided that the excuse of a CCA sent from Stevensdrake is not a kosher CCA.

I've contacted Stevensdrake again asking to send the real "I am".

They are investigating.

 

I have received a copy of my credit report and was horrified to find a CCJ.

I can honestly say I know nothing about this and it is certainly there without my knowledge.

 

I have of course, set the ball rolling re investigation.

It could only have been SDrake/Amex who put it there (as the court is Brighton) but I made arrangements to pay my debt off at a nominal sum before the case went to court. I am gunning for these twits well and proper now!

 

12 working day expiry is up to day, roll on the next thirty.

SDrake are looking into my claim re; the CCJ.

 

I'm sending an Email everyday but it seems they work at snail pace in Crawley,

no offence to all you hard workers out there in Crawley.

 

Even Brighton court haven't bothered to reply'

What is it about Sussex?

Link to post
Share on other sites
  • 1 month later...

I've just been glancing at bits and bobs of the enterprise act 2002 and although just skimming, I'm pretty sure that the OR has lost his right to our homes now (as long as one has not been taking liberties) as he didn't action prior to 1/4/07.

 

When I get half a chance I'll try and put the new rules against the old rules but at the moment I'm 99% certain the OR cannot come knocking and to be honest, as we've not heard from the PRU, before now, I don't see what they can do.

 

That's outsourcing for you (something I know a lot about having been a civil servant for 30 years).

If anyone has any contradictions, feel free to let rip.

 

I have been perusing the Myvesta UK web site and today,

I have come across a video from Mike Norris of the Insolvency Service.

 

The video confirms what I was nearly sure about and the interest in our property is automatically returned to the ex bankrupt as the OR didn't take any action before 1/4/2007.

 

I also had an on line conversation with Marcus, the Senior Advisor on the Myvesta site and he agreed that shouldn't be any problems.

 

However, the OR has not advised the Land Registry to remove the caution from our property so it looks like I will have to write to the OR and get an official "bit of paper".

 

I'm going to do that as I have no fears now.

If the OR says he made a mistake I'll just say "tough cacky" and throw the video in his face; along with support from my MP.

 

Zooman

 

If you are still around you may be interested to know that I have finished the Official Receiver off.

 

As I stated above I've read loads of stuff etc and had convinced myself that under the Enterprise Act the O/R could not now come back to us. I feel like an expert now and I will help anyone who needs it, even writing letters.

 

to cut a long story short,

I telephoned the Official Receiver (obviously I was only able to speak to one of his deputies) and I explained the position as I saw it and convinced that I was 100% right

 

I demanded that the Caution that was registered against our property at the Land Registry be removed.

Of course it wasn't that easy.

The file would have to be recalled from archives.

That was a good sign anyway as files are only (usually) sent to archives when the case has been done and dusted.

 

I had to wait for a couple of weeks but the OR's lacky informed me that the Caution had been removed, I did of course check for myself. That was a major step forward.

 

I did expect however that she would have sent confirmation that the Bankruptcy was over and done with.

She didn't

 

I wrote her a very nice email requesting details.

My wife received a reply from the OR today and I quote

 

"The Official Receiver has considered the present administration of your bankruptcy has been completed and has no further interest in the above bankruptcy estate".

 

I do have to admit that we have been rather fortunate but we were due a stoke of good fortune.

One thing left to do now is to try and get an illegal (there is no executed agreement in existence and Amex should not have gone to court) CCJ removed from my credit file and everything will be hunky dory.

 

I do have debts that I'm paying off on cash that I took off credit cards to keep our business going (but failed) but obviously the main worry was the property. If anyone needs any assistance I will help as much as possible.

 

Ian

 

I have neglected this thread of late but I have now updated. Suffice to say, I am now going for the jugular.

 

I've sent a 3 page letter off to Amex setting out various reasons why I shouldn't have had a CCJ;

The absence of a properly executed agreement being the main reason obviously and I didn't get a notice of Default.

 

I've demanded the removal of the CCJ (not just satisfied) from my credit file.

I have accused Amex of obtaining the CCJ dishonestly and illegally but whereas I have the proof in the guise of an Application Form only, they cannot argue the toss.

 

In addition, I've threatened them with court as they haven't provided everything I asked for in my S.A.R - (Subject Access Request) request. In the event of a p... off reply letter, I have held some info back in reserve.

 

Any comments Zooman?

Link to post
Share on other sites
  • 4 years later...

I have a debt with Amex and currently paying off at a nominal sum through Stevendrake Solicitors. I have not been able to get a hold of an agreement, just a copy of the application form. A few years ago ago, Amex obtained a CCJ (now dropped off). I questioned this but in the days before I knew anything regarding debt collection etc, I acknowledged the court papers. I told Stevendrake that as I have not been provided with an Agreement, my debt is not enforceable. Understandably, they came back and said as I acknowledged the court papers I acknowledged the debt and if I went to court, the court would agree with them.

 

A couple of weeks ago I received an invitiation to clear my debt by paying £x amount. I submitted a lower offer to them but that was rejected. It is now my intention to go back to Stevendrake and request my Agreement once again and if it cannot be supplied then the debt becomes unenforceable. As an arguement, would I be right in thinking that Amex originally obtained the CCJ dishonestly/illegally as there was no Agreement, only a copy of the application form, or is this a non - starter?

Link to post
Share on other sites

Joe,to use the last line of your last paragraph,it is a NON STARTER,you can pretty much be assured in a court of law,the very fact that you have been making payments and Amex can produce an application form,can confirm your use of the money provided will get a ruling NOT in your favour.

 

Is Steven Drake taking any money for accepting your payments? If yes get rid of him and pay Amex direct.Have you had a statement in the last 12 months from Drake or Amex?

 

Regards FS

Link to post
Share on other sites

Thanks very much for that FS, appreciated. Saves me from making a fool of myself.

 

I'll have to look in my filing but to be honest, I cannot remember receiving a statement for a while. I'll have to ask SDrake if he is receiving a fee. Thanks again.

Link to post
Share on other sites
  • 5 weeks later...

Hi firstship,

Is Steven Drake taking any money for accepting your payments? If yes get rid of him and pay Amex direct.Have you had a statement in the last 12 months from Drake or Amex?

Regards FS

 

I have received a reply from Stevendrake and it says, "we confirm that our client (Amex) still owns the debt. They have not sold it to us and we remain instructed as their solicitors - the terms of our instruction is a confidential matter between Amex and ourselves." Is that it then or do they have to tell me?

 

Joe

Link to post
Share on other sites

Morning

 

In a nutshell they do not have to tell you.

 

Personally I would drop the solicitors from the loop and pay Amex direct...that way you can be sure that future payments go direct to your account.

 

Write to Amex for an up to date statement of Account.

 

If there are any penalty/late payment charges on there, claim them back.

 

ims

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

Joe.Hi..ims has it spot on.

 

As the solicitor/DCA does not own the debt pay Amex direct,get the monthly statements ,

 

Should you not have a record of statements then SAR Amex which will show you any charges that they have made,along with all data held by them regarding your account,then claim back the charges

 

FS

Link to post
Share on other sites
  • dx100uk changed the title to backdoor Amex/Stevensdrake CCJ & OR has now lost his right to our homes now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...