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ancient spirit

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  1. i sent an email on the 9th sept then a letter on the 15th, i have proof of both, no longer in the area and about to emigrate. I am terrified they will keep paying me and claim fraud. I cleared all hb and ct when i left but is continued and i thought, i am still not working till i get overseas. Now its oct and i believe i have been opayed twice. i have kept it to the side. what should i do, write again or wait and see if the last payment was a final payment as they pay in arrears.
  2. I am or was on IS, I wrote to my local office by email of a change in circumstances as i am moving abroad to find work. I then sent a letter again recorded delivery to cancel my IS and heard nothing, i have been overpaid 3 payments and i am sending another letter again recorded to stop paying me. I am terrified they are going to say i am committing fraud. This final letter will be the last i send as i am going abroad and i am sending a cheque of the overpayment 2 payments as i used the first unintentionally. what can i do, emails, letters recorded and copies and yet they are still puting it into my bank. HELP I am not working at all until i get abroad.
  3. should i send nothing then and wait for their next move or a sar request.
  4. The company is Nolans Solicitors in Glasgow, i do not know if they are actually solicitors so what should i do?
  5. I was going to email them this now. I am in no position to print anything out at the moment. I need to respond by a certain date or they will take legal action. Dear Sir, With reference to the above, I am afraid that even with the documentation you sent I cannot agree this is the correct amount of this debt and I admit no liability at this present time. I have received your letter and will be responding by land mail this week. Kindest Regards,
  6. actually was just a letter detailed below You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I fervently deny this and would point out that I have no knowledge of any such debt being owed to (Hillesden Securities). I am familiar with the Office of Fair Trading Debt Collection Guidance, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive and or unfair methods. I take this as personal harassment and as I am not in good health, I have noted this as such. Furthermore ignoring and disregarding claims that debts have been settled or are disputed or continuing to make unjustified demands for payment amounts to physical/psychological harassment, which I have noted in this case. I ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. I require fully signed contracts in my handwriting. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I look forward to your reply.
  7. I could send you a copy of what they sent if that would help. Can i pm you.
  8. i did sar them and received a one page copy blank on back of a financial agreement then a one page dd copy.
  9. I would like to look into ppi more but do not have all paperwork relating to anything as a few years ago my roof collapsed in winter and i had a massive flood. Is there any way i can go about this. i thought of writing to the company and offering 5-10% of the balance.
  10. Can anyone tell me if there are any particular guidelines on offering full and final settlements. For example let's take two hypothetical amounts. Say i or someone else owed 500.00 and i wanted to make a full and final settlement offer, what would be the norm if i were not earning or had little funds. Similarly, if owed 1500 pounds, what would be the expected offer. Are there any guidelines laid down or is it down to creditors
  11. ok done, i will keep you informed. I know need to lobby the complaint with ofcom
  12. Dear Sir/Madam, Take note there is an outstanding dispute with BT regarding this alleged debt, therefore I do not acknowledge any debt to you or any company you may claim to represent. My suggestion is that you return this alleged debt to your client , as I have no obligation or wish to correspond with your company. I have now decided to report BT to offcom and will be filing a ADR disagreement. I suggest you return to BT and have them contact me direct. Please also take note that I do not have a contract with you and as I do not wish to deal with you at all, I will not be requiring a notice that the file has been returned. I will also be reporting your company to trading standards and the office of fair trading. I thank you for their continued harassment, all of which has been given to the OFT for their investigation. This claim is fictitious. A hard copy letter will follow and a copy of the official offcom complaint to BT will be sent direct to them. Regards,
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