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    • And even if you handed over your hard earned to losers Lowell they CANNOT remove the default, ALL they can do is simply mark it as satisfied.   In essence, DO NOT pay them a single penny, of course they will tell you the complete opposite, just to mug you off and use your money to buy some chocolate biccies.
    • Hi I had a credit card in my name while I was married to my ex. When we split up in 2002 he refused to pay any of it, so I stopped paying it. I had a few letters of hoist holdings but never acknowledged them. Since 2002 I have moved 4 times and remarried so my sir name is also different.  Last year I received a cheque from hsbc for £25 I never banked it thinking if I did debt agency would be back in touch. Then in November I received one for £50 I never cashed that either . I received a letter from hsbc asking if I was having problems cashing the cheque. I didn't answer them. Now today I received a cheque for over £500 for charges applied to accounts in collections and recoveries.  And I really don't understand why they would pay me for not paying a debt. Really confused if I shod cash it or will I be opening up an avenue for debt collectors again. Many thanks mell.
    • Not too concerned with deemed service.....if your daughters last known address was your address its deemed good service.   I would read the link above more importantly re Protected parties.
    • Here is a copy of the "defence" for anyone to have a look at and advise. Many thanks group!   Gary NOTICE OF DISPUTE redacted.pdf
    • She needs to establish whether her SD has been accepted. In normal times they can only be done in person (either before a court or a solicitor) but at present they are taking them over the phone.   The £811 fines would not be for speeding. They would have been for "failing to provide driver's details" (FtP) contrary to S172 of the RTA. This offence carries a fine of 1.5 times a week's net income, with £440 per week being used as a default figure. So £660 fine, £66 "Victim Surcharge" and £85 costs = £811. The offences also carry six points each. She could not have been convicted of speeding as they have no evidence that she was driving. She can check this out online by examining her driving record. She should see two "MS90" endorsements together with a "TT99" endorsement for the totting up disqualification.   The offences should be resurrected and hopefully she will be charged with both speeding and FtP. She can then negotiate a deal where she pleads guilty to speeding but only if the FtP charge is dropped. However, from what you say I gather she already has six points, so 2x3 for speeding will still see her face a six month ban under the "totting up" rules. To avoid this she will have to attend court and present an "exceptional hardship" argument. She will have to show the exceptional hardship (that is, hardship over and above what anybody would normally suffer if banned) will follow for her or others. Will she be able to do that?   In the meantime she must not drive until the court has informed the DVLA that her convictions and disqualification have been set aside (again she can check this on line) and the disqualification lifted from her record. What were the dates of her earlier offences (the offence dates, not conviction dates)?
  • 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
      • 27 replies
    • 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
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The MP's campaign-Responses


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ohoh, could you let me know what his name is please, you forgot to give me it, thanks

 

D'OH!!!

 

Andrew Pelling.

 

Sorry!

Six Nations Champions 2009

Triple Crown 2009

Grand Slam 2009

:cool::-D:cool:

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Joan Humble MP.

got a reply in writing today, apparrently one of her aids wrote to the oft asking about the situation and all she advised me to do was to read the leaflett she recieved, and that was it. what are we paying them for?, i could have done that!!!!

TOTALLY debt free as of 2007, Fantastic,

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baconbuttyman

 

What a derisory response! I'd write straight back to her with that very point. I don't know who else saw it, but Peter Oborne's excellent documentary on C4 last night really brought home where our political representatives' priorities lie :roll:

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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D'OH!!!

 

Andrew Pelling.

 

Sorry!

 

Not to worry ohoh, & thank you.

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Joan Humble MP.

got a reply in writing today, apparrently one of her aids wrote to the oft asking about the situation and all she advised me to do was to read the leaflett she recieved, and that was it. what are we paying them for?, i could have done that!!!!

 

I think I should mark Joan Humble as a (green) Not Interested, & only sending you a leaflet; what good is that ?? I agree wholeheartedly, what are we paying them for ??

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It looks as though we are going to have to hope & pray that the majority of honest politicians outweigh the corrupt politicians, & that at the end of the day, they will be helping us challenge the banks.

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Hi olden, it would be great if there were. Unfortunately there seems to be an awful lot of MP's that are retiring just before the next election lol.

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Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Hi Macboy & Ja-de,

On return from my Hols I have received reply from Joan Humble MP.

 

Dear Mr Croze,

Further to previous correspondence, I enclose for your attention a copy of a letter I have received from the Financial Services Authority in response to enquiries I have made on your behalf.

 

I hope you will find this information helpful and of interest.

 

Blah Blah Blah.

 

Joan Humble.

 

attached is a 2 page letter from Dr. Thomas Huertas that he says he was asked by Hector Sants to send. also attached is a copy of the press release of 27 July.

 

do you want me to scan and let you have a copy of the reply? I am sure that I have read it somewhere else.

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Hi Stone

 

Welcome back and hope you had a great break! There has been another response from Joan Humble further up the thread (less than impressive I might add :roll:).

 

However, if there's anything different to add then by all means post it - that's what we've had this new thread set up for ;)

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Joan Humble MP.

got a reply in writing today, apparrently one of her aids wrote to the oft asking about the situation and all she advised me to do was to read the leaflett she recieved, and that was it. what are we paying them for?, i could have done that!!!!

 

 

Me too!!!!

It wasn't Clare Curtis Thomas was it??

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Hi Stone

 

Welcome back and hope you had a great break! There has been another response from Joan Humble further up the thread (less than impressive I might add :roll:).

 

However, if there's anything different to add then by all means post it - that's what we've had this new thread set up for ;)

 

 

I haven`t done this before so lets see if the old dog has learned a new trick.

 

joanhumble1.jpg

 

joanhumble2.jpg

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Well done you, Stone :D Nicely geek-ed ;)

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Share on other sites
Well done you, Stone :D Nicely geek-ed ;)

 

This response from Mrs. Humble comes after pestering her. Email her at Westminster, wrote to her at constituency office and all so Email to PA at Westminster. So maybe she just got pee`d off whith me!

  • Haha 1

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Share on other sites

Sounds to me like our Joan is anything but humble, stone :roll:

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Share on other sites

All

 

Please can you use the correct thread to notify when you've written to an MP?

 

Thanks

Mac

  • Haha 1
  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Share on other sites

Welcome back stone, hope you had a nice holiday.

  • Haha 1

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

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Welcome back stone, hope you had a nice holiday.

 

Thanks Ja-de, yeah we had a great time chillin out, Things are moving on for me now, chack my thread. rearin to go again.

 

stargate6.gif

  • Haha 1

=======================================================================================================

[sIGPIC][/sIGPIC]

 

 

 

Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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Will do, & thank you for the click.

--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

[sIGPIC][/sIGPIC]

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stone, the letter is a standard template the FSA sent to all of us mine is exactly the same, they must think we are stupid!! They don't seem to have an inkling about this do they, what the hell is Joan Humble on about, any plans to clarify the legal position ? doesn't she know anything about whats being going on?? about the OFT case??

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