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    • Claimants do not use witnesses to present the case.....counsel are not witnesses to the claim.    The receipt of Lowells DQ is not confirmed precedence of the claim.....check the status of the claim on MCOL and see if it states DQs sent out.
    • It also says that claimant has 28 days after receiving a copy of defence to inform court if they wish to proceed. I dont have a date but would assume that they received their DQ after I filled my defence and that they issued me a copy dated 6th Jan, so roughly speaking they have 28 days from 6th Jan to inform court.
    • Husband and I have finally saved deposit to buy our house and seen a house we like so I checked my credit reports before we give the mortgage broker the thumbs up!    I knew something would come and bite me on the bum!    I had an overdraft with lloyds which I have not accessed since 2013. They have sold to Arrow Global who have put a big fat default on my account. It shows on my transunion credit report as pasted below. Defaulting in April 2020.     I did not change my old address with them. I am unsure how to approach this as cannot be sure it is statute barred as it is an overdraft (even though I have not touched it, acknowledged it since 2013). The default date shown is Nov 2015 but not reflected in the way Arrow Global are sticking the defaults on. Should I send a 'statute barred' or 'prove it' letter? Should I dispute with the credit reference agency? I am unsure!    I would like the default off the account the quickest way possible to have a clean credit report!      OVERVIEW   Account type Current Account   Status Default   Account number     Last updated 2020   Start date  2008     PAYMENT INFORMATION   Opening balance £1,199   Repayment frequency Monthly   Date of default Nov 2015   Promotional rate No     PAYMENT HISTORY     J F M A M J J A S O N D 2020       D D D D D D D D D     OK   Missed payment -- No data D Defaulted     BALANCE OVER TIME   Your balance has not changed since Jan '20.   APR '20 | £1199MAY '20 | £1199JUN '20 | £1199JUL '20 | £1199AUG '20 | £1199SEP '20 | £1199OCT '20 | £1199NOV '20 | £1199DEC '20 | £1199£1299£0JAN '20JAN '21
    • Just looking at their DQ answers, why have they put down 0 for How many witnesses, including yourself, will give evidence on your behalf at the hearing?   Does that inc other lawyers? Surely that should say at least 1.
    • Thank you BazzaS, I completely agree with you!      
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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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Hi can anyone help me please.

 

My sister is in a right pickle with her finances and unfortunately due to a crappy paid job, running a household with 2 teenage kids, a mortgage, credit cards and other run of the mill finance agreements she has got herself into a state, obviously we have tried to help but i tthink things are getting on top of her.

 

I have seen this company - Debt Matters, and i suggested she contact them to see if they can help, does anyone have any info on them and whether they are any good or could help her out ? We have never had any dealing swith these type of firms so i am not sure what they are about, if anyone can help or offer any advice about them i would love to hear.

 

Thanks for your time,

 

:)

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Hi there and a belated welcome! :)

 

Debt Matters will charge a fee.

 

I'ld strongly recommend The Consumer Credit Counselling Service from personal experience.

CCCS - Free Debt Advice from the UK's Leading Debt Charity

 

Good luck with it. Regards, Dave.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

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BORN FREE FOUNDATION

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Hi Dave

 

Thanks for welcome and thanks for the advice - anything is worth a go so ill take a look and forward her the info. Would this be the same as going to the CAB - are they limited in what they can do, i realise no one can wave a magic wand and make it all go away but she dosnt have a clue so really needs good advice and a lot of direction.

 

Thanks though ill take a look now.

 

cheers

 

Ric

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Hi Dave, I spotted this ad in the newspaper yesterday which says "If you can't afford to repay all your debts you may qualify for a little known and almost unbelievable solution" I can't copy it all here but there's a freephone number 0800 298 8837 and it says it's government legislation to clear your debts. Worth a call perhaps. Good luck. Margaret.

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That'll be for an IVA with a big fee. I'ld still recommend the CCCS firstly, they'll go through everything with you with a toothcomb and then recommend the best course of action.

 

The CCCS is a registered charity and as such don't charge for their service.

 

Regards, Dave.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

--

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Hello Dicklett.

 

Avoid any organization that charges you.

 

The CAB, in my view, is not up to this sort of job.

 

There are two highly professional charities that make no charge for their services these being:

 

Consumer Credit Counselling Service - telephone 0800 138-1111 and

 

National Debtline - telephone 0808 808-4000

 

I have relied on the former for over a year now.

 

You'll find comment about both on the debt forum, but do speak to both the above before you go any further.

 

Hope this helps, and suggest you start a new thread on the debt site.

 

Regards and good luck.

 

Van

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Welcome to the site.

I have moved your posts here.

There are now many Government appointed debt adice websites and contacts.

Debt management companies are there to make proffits and will charge you,avoid these.

There are many things that you can actually do yourself to address debts and communications with your creditors to make arrangements or offer realistic repayments are worth thinking about.

Read some of the threads in the debt forums for more advice.

note to anyone posting links;

 

please remember commercial links are against site rules !!

  • Haha 1

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Welcome to the site.

I have moved your posts here.

There are now many Government appointed debt adice websites and contacts.

Debt management companies are there to make proffits and will charge you,avoid these.

There are many things that you can actually do yourself to address debts and communications with your creditors to make arrangements or offer realistic repayments are worth thinking about.

Read some of the threads in the debt forums for more advice.

note to anyone posting links;

 

please remember commercial links are against site rules !!

 

Both PayPlan and CCCS are Debt Mangement companies which do not charge for their services ( they are the only 2 I am aware of ).

 

Self negotiation is certainly an option but in my experience many people in debt feel that they simply cannot cope although a significant number of people do successfully negotiate with creditors themselves ( with the help of eg National Debtline ).

 

In many circumstances a free debt management plan can be a lifeline in terms of getting a non legally binding but structured arrangement in place.

 

Just wanted to add my tuppence and no I don't work for either CCCS or Payplan!! :)

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