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martin4963

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  1. Thanks Guys, Not reallty the answer to the question I asked ...... Due to work, both myself and my wife are unable to get to the bank or post office during opening times, in addition there is also the additional cost of purchasing the postal order, when there is no justifiable reason for the company to withold their banking details in favour of an archaic and inconvenient payment method. Having given it some thought, we are holding fire for now to see what response we get from DeAgostini, and then if neccessary make an online payment to CCS Collect for the original amount of £11.96 and dispute the remainder since: 1). DeAgnostini have not provided the information we have requested and are therefore deliberatley making it difficult to pay them 2). CCS Collect are not allowed to make additional charges in the manner they have done ( I may be corrected on this).
  2. Hi, My wife had a magazine subscription with De Agostini untli August last year, when she cancelled. They subsequently sent her an invoice for £11.96 (which is what she actually owed). They only accept payment by cheque (which my wife neither uses or possesses) or via debit/credit card. No way is she prepared to give them her card details as there is a suggestion on their invoices and reminders that they will continue with her subscription. She has contacted them several times for their bank details in order to make an online payment. Each and every time they have refused and re stated their only 2 payment options. Just before Christmas she received a final reminder giving her 7 days to pay or they will add an admin charge of £5.00 and forward her name to their debt collection agency. I subsequently wrote to them about the matter and again requested their details in order to pay online. In the meantime we have received a "threat o gram" from CCS Collect for £20.46, who have given their bank details for online payment. As a result the account is now in dispute, does she dispute the entire amount or pay the original amount to CCS and then dispute the difference ? Just wondering what the best way to proceed is Thanks in Advance
  3. Hi Martin2006. My take is the sames as yours on how next to proceed There is no time frame on my benefits, however I am expecting to return to full time work around September next year. Given their positive response (albeit almost 4 weeks later), my thoughts are the same as yours as to re-instating my original offer of £50 per month. I don't see the point in being difficult or arsey about it in these circumstances, nor would I be doing myself any favours if I did. Now if they were to be unco-operative (which is what I fully expected) then that would be a different matter. My thanks to both yourself and renegadeimp for your input and advise.
  4. Hi, just an update on the latest development. I have this morning received the following letter from vanquis in response to my original letter they received on 1st November in which I explained my current circumstances to them https://goo.gl/photos/x22ovUBC8iGuwp2P8 They have agreed to my requests, 4 weeks later, and personally I feel I should keep my part of the bargain (£50 per month). My subsequent letter basically tokd them that since they are not playing ball they can now have £1 per month. What are your thoughts ?
  5. Interim offer of reduced payment (until I'm fit enough to return to work) of £50 per month withdrawn and £1 per month token payment. Gone into my on-line e-vanquis account and changed my mobile number to the their own number (the one they use to bombard you with text messages wanting to know when and how much you are going to pay them) - idea being they'll be ringing themselves and not my mobile, they keep ringing my home number, but due to TrueCall device, they dont disturb me in the least and I can continue to monitor and log their calls with minimum fuss and hassle Credit file damage limitation excersize carried out - Capital One credit card succesfully applied for before they mark my credit file (no intention of using said card anyway) Each and every letter to them sent via recorded delivery. GAME SET AND MATCH .... LET THE FUN BEGIN !!
  6. Hi, Has anyone else had trouble getting the Halifax to respond or even acknowledge letters that you have sent them ? I owe £400 in arrears on a loan taken out a few years ago, Halifax have written to me offering to consolidate these arrears by way of increased contractual payments ( which is what I'm paying them anyway) and in return they will mark my credit file as up to date. They want me to ring them if I'm interested to discuss the matter. I don't discuss my financial affairs over the phone, I wrote to them agreeing to and accepting their offer.. .... No response whatsoever, zooch ! It is always the same carry on whenever I write to them . .....they just blank my written communication to the point on several occaision' I've had to lodge a formal complaint with them. Has anyone actually managed to get a written response or is it just me they ignore ? Ironically, they have sent me yet another letter identical to the original one they sent offering to consolidate my arrears
  7. Thanks fkofilee, I have had to do that on a number of occasions in the past, it's the only way I can get any response from them .... looks like I'll be doing it yet again
  8. Hi, Has anyone else had trouble getting the Halifax to respond or even acknowledge letters that you have sent them ? I owe £400 in arrears on a loan taken out a few years ago, Halifax have written to me offering to consolidate these arrears by way of increased contractual payments ( which is what I'm paying them anyway) and in return they will mark my credit file as up to date. They want me to ring them if I'm interested to discuss the matter. I don't discuss my financial affairs over the phone, I wrote to them agreeing to and accepting their offer.. .... No response whatsoever, zooch ! It is always the same carry on whenever I write to them . .....they just blank my written communication to the point on several occaision' I've had to lodge a formal complaint with them. Has anyone actually managed to get a written response or is it just me they ignore ?
  9. Thanks, I'll get on with that on Monday. I've had my account for almost 5 years with them. always paid on time, always kept within my credit limit, until my unforseen circumstances, which are only temporary. I don't want to fall out with them, but given the amount of money they've made out of me and the lack of response to my letter AND the amount of phone calls they are bombarding me with, I aint going to roll over and play dead. But if that's how they are going to treat me, then spectator sport it is !
  10. Hi, Need advice about Vanquis I have a credit card with them and was taken ill whilst at work back in June, resulting in medium/long term sick leave (approx 12-15 months). Until last month I was able to maintain my full monthly payments, but as my company sick pay has now run out I am now on ESA and unable to make my full payments. I wrote to them on 31/10/2016 (via recorded delivery) explaining my situation and enclosing a budget sheet. I made an offer of £50 per month until I returned to work and asked them to suspend interest and any other charges for the duration (contractual payments been around £180 per month).. Despite them receiving my letter on 1/11/2016, they have failed to respond, other than the usual barage of phone calls (which are all blocked and logged). I never discuss my financial business over the phone, let alone divulge my personal details (whether for security purposes or not). What is my next step ? Thanks in advance.
  11. Thank you, I agree it is a piddling amount and a part of me says that "they're obviously in greater need of £12 than I am, so roll over play dead and let them keep it", but on the other hand, how many £100's and £1000's are they skanking off their customers simply because they do roll over and play dead ? The ombudsman it is !
  12. Hi, Just before I take this matter to the ombudsman, I`d appreciate the forum's take on the following: Very.co.uk have charged me a £12 default charge because I made a payment of £80.00 on 1st July for payment due date of 25th July and are classing it as an overpayment on the previous month, the due date being 27th June, citing their reasons been that my next statement hadn't been printed and was only generated on 5th July. I disagree and dispute the default charge in it's entirety. My point of view been that any ADDITIONAL payment I make AFTER the due date, should automatically be allocated to that months payment. This is the response I have received from their "Customer Excellence" department in Bolton, and further advise me that this is their final response to the matter
  13. ADVICE ON PAID TIME OFF TO ATTEND COURT I work as a bus driver and some months ago I was witness to an assault that took place on a passenger by another passenger whilst I was driving my bus. The offender has been charged and not pleaded guilty. I am now required to attend court to give evidence. Given that this incident took place on my employers vehicle whilst I was working my shift, does my employer have to give me paid time off work to attend court ?
  14. Thanx, Will get that formal complaint done this afternoon & sent recorded delivery !
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