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    • 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
    • Just to be clear the dca doesnt decide where a debt shows the oc does that upon their backdoor sign ups with contractors.   lets await the sars    
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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
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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I'd send them a "prove it" letter, the fact that they are prepared to settle for 20% of the amount originally claimed suggests that they don't have a legal leg to stand on. That'll put the alleged debt into dispute, and they can't take any further enforcement action until they come up with some evidence.

 

The £96 is what I actually owe O2 for outstanding phone bills. The £400+ debt is to cover the remainder of the 18 month contract I have defaulted on. They weren't saying that they wanted a percentage of the debt, they were saying if I payed them the £96 I owed, they would instruct O2 to continue where I left off with the contract, reconnect my phone, and continue to accept the £35 per month until the contract ended - effectively acting as if nothing had happened.

Instead, because I can't afford to pay the £96 and clear the arrears, they are demanding the full amount for the duration of the contract.

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Instead, because I can't afford to pay the £96 and clear the arrears, they are demanding the full amount for the duration of the contract

 

It's that kind of demand that shows just how mentally submormal DCAs are - thinking that if you can't pay 96 quid, your ok for 400.:mad:

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Dont get worried about P2C - they are nothing to get upset about.

 

I had a 72 hr notice to contact them regardin crap1, received their letter on a Friday and their representive knocked on my door 08:45 on the Monday

morning, after he found the right id card for who he was representing (he had about 6 id so obviously a freelancer) he was not so nicely told to bog off, all he wanted was for me to speak to crap1 on his phone - no ruddy chance says I, followed him down the road, opened his car door and shoved a 'DO NOT come back note on his lap. Didnt it make me feel sooooo good.

 

Beachy

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The 72 hour notice is a funny one really. I had 2. For one, I rang CSL up and asked when does it start? and the baboon on the other end said when you want, for the other I asked when does the 72 hours end and he said something like "4 days":D

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Here's an interesting little Power2contact news story all the way from Ireland.

 

We have the Power to Contact - You!

Ever had your privacy breached by a company with the power to contact you, and if so, what if anything did you do about it? Like the majority of people, apart from getting hot under the collar, you probably did absolutely nothing, because there was nothing you could do, or was there?.

A Northern Ireland resident, already somewhat annoyed after receiving a highly libellous letter from a UK based company with the power to contact him, had good reason to turn downright angry when a representative of the offending company then breached his right to privacy by turning up on his doorstep and proceeded to make the same ludicrously slanderous claims. While most people would at best have probably have just told the company where to get off and left it at that, this gentleman instead saw red, contacted his solicitor and took the advised course of action.

Several letters and one phone call later, the company received a £1600.00 invoice for his incurred expenses. Naturally, being that sort of company, they not only ignored his letters, they also ignored the invoice and subsequent demands for payment.

Not being the type of person anybody should ignore, and having been assured he was well within his legal rights, the final step has since been taken; court proceedings have been instigated against those Crewe and Purley based people with the power2contact you.

Hopefully, after visiting the spectacularly beautiful Belfast Court buildings on the banks of the River Lagan, they'll stay around and enjoy the famous hospitality afforded to all Northern Ireland visitors, though that’s highly doubtful. This will no doubt be a salutary lesson for any person or company that believes they have the right to ride roughshod over the privacy of the common man. You can’t! Actually, that’s not strictly true, you can, but your wealth will be seriously reduced.

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the card if you read it (i haven't got one) will most likely say

 

they will be calling you (not calling ON you) !! subtle buggers aren't they

 

designed to make your THINK it means personal call but at the same time get them out of the doo doo if you complain

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the card if you read it (i haven't got one) will most likely say

 

they will be calling you (not calling ON you) !! subtle buggers aren't they

 

designed to make your THINK it means personal call but at the same time get them out of the doo doo if you complain

 

The actual wording is :-

 

'In the event that you fail to contact *creditor* within 72 hours, we will instruct one of our Contact Managers to visit you at the above address to discuss, and hopefully resolve this matter with you.'

 

The annoying thing with Powerless is that they state 72 hours, however, with them using UKMAIL the 72 hours has expired before you even receive the letter.

 

Beachy

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The actual wording is :-

 

'In the event that you fail to contact *creditor* within 72 hours, we will instruct one of our Contact Managers to visit you at the above address to discuss, and hopefully resolve this matter with you.'

 

The annoying thing with Powerless is that they state 72 hours, however, with them using UKMAIL the 72 hours has expired before you even receive the letter.

 

Beachy

 

i got one of those - i didnt ring to say it was inconvenient and as they said they would call between 8am- 9pm and didn't show up i sent an invoice for 13 hours waiting time as 15 per hour.

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i got one of those - i didnt ring to say it was inconvenient and as they said they would call between 8am- 9pm and didn't show up i sent an invoice for 13 hours waiting time as 15 per hour.

 

 

did you get paid for that waiting time lol.

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so would you say not to worry about them.

 

its all bluff and bluster

 

if you have written saying dont phone dont call at my house communicate only in writing

 

then in the unlikely event that anyone did turn up at your house invite them to leave

 

if youre big enough and they dont leave then "eject " them from your property using reasonable force if necessary

 

if you are not big enough close the door and leave him talking to himself outside

 

The other way to deal with it (if you dont mind your neighbours knowing your business) is to phone the cops and tell them a breach of the peace is occuring then go outside and start pushing him around

 

the end result will be that you will both be warned about your behaviour and he will be ordered to stay away from the property in order to prevent a further breach of the peace- if he then comes back he wil be arrested

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I bit of fun i have with P2P

I note that you have instructed a field agent to visit me at my home address. I am writing to inform you that I do not wish to make an appointment with your field collector. I’m currently being treated for psychopathic tendices and which to avoid any incident that my create any conflict. I been released from Broadmoor mental hospital for the criminally insane for a few weeks and do not wish to return due to someone knocking on my door. I’ve now taken double medication just to write this letter

I have contacted my Parole office and they have informed me write this letter , and advise you have that my excitement and fantasies I’m having regarding the home visit is unhealthy for me. The OFT say you can only call if I wish to make an appointment and I do not.

Lot of love

Master woody

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  • 2 weeks later...

one tuesday afternoon i had a phone call from p2c and then a couple of days later i had a yellow postcard, then a week later i had 72 hr notice letter is this to ignore them or write back to them, what part of the word bankrupcy dont they mean

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Quote:

Originally Posted by steveuk01 viewpost.gif

did you get paid for that waiting time lol.

 

i should be so lucky- but it made me feel good!!

 

Why not pass it onto a 3rd party DCA and when they dont pay P2C can hound themselves for the money :)

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Or you could send them this...

 

Dea P2P,

 

I must say i was was very excited to get your note saying you would be calling round . I dont get many visitors nowadays (except the police , checking for missing dogs or cats ) as i dont go out much and stay in making my own clothes from lots of unusual materials.

 

Please could you send round somone about my hieght and weight , as ive been thinking of making a jacket that fits me like a second skin. I await your visit with a large hammer , i mean baited breath.

 

Yours

 

Mr Jack D Ripper

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  • 3 weeks later...

What a bunch of W****RS!! Ruined my weekend with the arrival of the infamous postcard, counting the days til Weds Grrrrrrr!! Half hoping the door goes so I can slosh him up the road with a bucket of ice cold water!! Power 2 Contact no-one in this bloody house!! :p:p

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what exactly should the letter contain - is there a template for this type of letter

 

iv received a yellow card and realsie its a tactic these people use howevr wish to circumvent any more letters and stress

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