Jump to content

  • Tweets

  • Posts

    • In their draft application to the court they state that their Letter of Claim listed the proper three invoices.  Is this true, or are they lying?   As for replying to them, hang fire for the moment, see what people who have dealt with this sort of thing before have to say, there may be a way to oppose their application or at least make them pay a hefty sum to the court for granting it.
    • but the other debts are part of this big picture and its eventual solution a rough idea will help.   if if if they ever get another powerless repo/dca involved, they will tell you well in advance.   help us please
    • to do what they are powerless...   you like 10'00'000 of other s jump because a dca says this or that a DCA is not a bailiff and has zero legal powers on any debt no matter what its type.   another one of your issues is following stupid freeman of the land twaddle. very dangerous.don't   moorcroft dont by debts they only act for clients.   as long as you don't run from debt and insure the debt owners or 'the client' has from you a letter which states your correct and current address or you did so to the Original creditor before any sale or your haven't moved since taking 'the credit' out you are safe from backdoor CCJ's to an old address.   sit on your hands and see if the owner of the debt want to issue a letter of claim. if they do  you return here   A CCJ - which is the only tool they have - because just like us joe public, its the only thing we can legally do if we claim someone owes us money - they have no more powers that you or me
    • That is why I (specifically) said "the lender".
    • eeeh i see ... I just really need a little help, that's why I am here. Being funny does not mean that I am a troll or something and English is not my native language. I just don`t know what to do next, that`s all
  • Our picks

    • 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
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

advice needed,on so many debt collectors after me

Please note that this topic has not had any new posts for the last 3978 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts


im still thinking what to do with the unfair charges citi have chrged me.... do i try claim them back myself or have this reclaim company do it for me, the debt i have with citi is far greater then the unfair charges, so i dont want them useing it to pay of part of the out standing debt, and have nothing to pay the reclaims company. (you know you can do it!:cool: ) i know you guys on this wonderful web site will be with me every step of the way, but i am still quite nervous.



Hi Mich, so good to hear you are getting control back in your life, and you can even laugh at the dca's:lol:. keep all the letters they send, as Cap1 has agreed to settle, the dca is harassing you, and you can report them, don't bother doing Cap1's job.


Here's to 2008 Mich, have a good one:p

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08


Read Read and Read Some:razz: More


If I've been helpful in anyway please tip my scales:rolleyes:


Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

Link to post
Share on other sites
  • 2 years later...
  • Replies 404
  • Created
  • Last Reply

Top Posters In This Topic

Am resureccting this thread as I am about to go into hosp agin for a 'minor' op. I AM SO!!! WARY. I need this op but am obviously wary of coming out iller than i went in. I have no choice, it needs to be done. Have steered clear of hospitals since my last expeience but I can't anymore....it's a minefield


going in on thurs....so any nice messages of support will be welcomed:)


wish me luck peeps x


oops have posted in the wrong thread.....sorreeeeeee!

Edited by fairclaire
Link to post
Share on other sites

hi there

im in a very similar situation with many many credit card companies and banks after me

my situation is that i used my cards to support my business through the latter part of 2008 - this in turn left me with 80000

im getting the byan carter style letters and wonder where to start

i wonder if because the debts are non secured i should not declare bankcruptcy

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

hi everyone i had dealings with provident and had a friend worked to them if you stop paying them after 19 weeks they write off the debt and sell it to a dca but provident destroy the credit agreement so dca cannot enforce the debt

Link to post
Share on other sites

i would like to say a big thank you again to all of you on here who helped me and supported me with all your words of encougement .thru this nightmare. i dont here from any of the debt collectors regarding these debts any more, im still paying provident, i give them £2.00 a week, money owed is about just under £300, im ok wid paying them just £2.00 a week but thank you for the little known good advice dizzyhead90 i will def be keeping that in mind xx

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...