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    • Well send off the letter of claim when you're ready. There's really no need to hang around. In terms of the particulars of claim – you don't need to send anything extra. Do not click any boxes.   I wasn't aware that you actually had to calculate the daily rate of interest. I'm giving a shout to my site team colleague @Andyorch
    • By the way, is there a telephone number for the mystery handset? Have you tried calling it?
    • Who made the complaint to the ICO? Did we recommend it? An uncharitable side of me wonders whether they aren't considering erasing all data in order to get rid of evidence of their bungling. Have you checked your credit file? I think you need to make sure the get copies of everything you can from anywhere just in case various records get cleaned up. I think should set about that straightaway although it's a nuisance. Keep a note of the time you spend doing it. Are you sure that the problems with Vodafone and also with Three were caused by your blighted credit file – blighted by virgin? Can we take it that your credit file before this was clear? I think it could be an idea to send an SAR to Vodafone and also to Three to see if they have any reference to the problem setting up your account with them and that those problems might have been caused by virgin. Your credit file also might show searches by Vodafone and also by Three. If there's anything else you can think of – then try to get the information.  
    • No they are not entitled to see payslips. Only if this ever went to Court and it was part of the Court process would this be required. So the information you provide needs to be accurate, in the remote possibility that your information is passed to a DCA who uses it in Court in the future.   Just enter all information onto your income/expenses sheet in Pounds Sterling.        
    • Hi, I am drafting the pro-rata letters and putting a income expenditure sheet together. One question, as I am overseas the expenditure currency is different to the debts. Are they entitled to see pay slips (also in anther currency which isnt indicated on the slips)?
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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

advice needed,on so many debt collectors after me

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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.

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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
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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

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  • 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

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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

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