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Guy

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  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Guy

    The C45 Unimailer

    This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Guy

    An Analogy

    This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  6. Just waiting on statements now. Good luck with your clainm Martin
  7. Have been scouting around on here and looking at a few mortgage fees reclaimed. My fees started about 11 years ago and continued for probably 4 years how does the 6yr statute figure im not sure i fully understand ? Also how much is a court claim now?
  8. Tried a quick call to get copy statements to be face by first hurdle. Cant actually get to speak to anyone as the system is automated and the account has moved to Prestige. Just goes around in circles till call terminated. SAR completed and sent instead. Can see this being a bit of a process....
  9. Its been a while since i posted. I have a secured loan with GE which has now passed to Prestige. I took out the original loan way back in 2005 with a massive PPI and not long after got into arrears. I went after the PPI but GE wriggled out of that, went after the broker who has gone bust then found out that the FSCS couldnt help as the loan was signed about 6 months before the protection. No worries tried three times to get the PPI. However, i have arrears fees for about 5 years which i want to go after. question Can i go after these even though they are 10years old? I have been browsing again and see some successes from old just want to find some more recent GE success.
  10. In a moment of lazyness i signed up with a claims company for PPI. They sent basically the standard claim form (available from any good self claim forum). when the company refused to pay they sent it on to the FSA. As the claim was old and the company wasnt regulated at the time the FSA sent nice letter saying they couldnt do anything. PPI claim company sent a letter saying oops sorry cant do anything. Total time spent on claim 11 months. I started my own claim - Company gone bust!!! So PPI company use same forms, same process get 25% - Do it yourself.
  11. Hi all, Our agent was 'let go' last week after discrepancies with her money. Turns out that she has used a sum of our money meant to early settle a loan for herself yet maintained the payments on the loan so that we and her office were none the wiser. Should say at this point that we have been using provident and this agent for 7 years. She became more of afriend than agent and trusted her completely. We have discovered that she has done this to at least three other customers. Her manager came to collect our payment on Friday and his books show that we owe £221 per week - we have been paying £135 per week and she has been making up the rest herself. Their security manager came to talk and we discover that not only should we be paying the 221 instead of the £135 but several loans will continue until way into 2013 whereas we had it worked out that they would all be finished by the end of this year, as we had made several lump sum payments last year after selling our cafe. The security advisor said that they want to deal with this in house rather than involving police presumably because if the police get involved they would have to investigate ALL of her customers and accounts going back several years. After thinking about this over the weekend we have decided not to make any more payments until we are certain that sums paid by us have been allocated to loans that we intended and that any loans still running will end when we expected them to. we have written to head office to that effect. It was not up to us to check on the honesty of their agent and they should have procedures in place to ensure that this cannot happen - we have not had the books for at least 8 months and evrything she showed us or told us was perfectly as expected - she had 7 years to work her con. Any views on how we should continue - we cannot prove anything whereas they have copies of loan agreements which we have indeed taken out. The problem is that some of these loans were taken to early settle others with lump sums from us, also it looks like the loans we were settling werent the ones she actually did.
  12. Thanks Rebel11, I knew there was another request just couldnt remember. Will get one sent ASAP and see. Guy
  13. I was unfortunate to be persuaded to sign up to UTW way back in 2000. Initially fine but but once i began to query the invoices had no end of trouble. At one point i actually began court action which eventually resulted in them producing the information required in the form of a detailed spreadsheet. Now i have a new issue which is unbelievable: See if you can understand this or have i completely lost it. Originally i had two gas meters and two electricity meters - the house had been two flats. BAck in 2003 i had a new boiler and had this connected to one of the gas meters and the other disconnected. In 2008 i was able to finally move the remaining gas meter to British gas. So now One meter is still with UTW but no gas consumed. The other with BG so no supply from UTW. I now only had two elec meters. (At this point you should know that i was paying UTW current bills PLUS £25 per week for debt accumulated from my earlier dispute) In 2009 i was losing ground on my debt so requested that UTW install pre pay meters and agreed for them to collect £10 per week via the meters fror the outstanding debt. 24/06/09 the two old meters were replaced with ONE pre pay meter. July 2009 UTW send me a bill with an estimated amount of electricity. August the same, Sept the same. The balance steadily increasing. I phone to explain and they say no problem ill look into it and sort it. WE continue to get estimated bills and eventually letters from the debt collectors, eventually one of their debt collectors comes to the door. I show him the pre pay meter, he phones and someone says - i will sort it. This goes on and after yet another visit from a different collector we get a bill with the amount adjusted out. About a month ago we realise that we are putting an awful amount of electricity on the meter (£10 per day) after further investigation we find that they are collecting £25 per week and the debt on the meter is £1500. At the time of the meter being installed the debt was £945. The only utility at that point supplied by UTW is electricity which from 24th June 2009 was bought and paid for in advance via the key at the CO-OP. In May 2010 their own debt collecting co was demanding £1058.73. I cannot get anyone at UTW to accept that the bill CANNOT INCREASE AFTER 24th JUNE 2009. Currently their own debt manager is producing detailed breakdown to show where the extra £600 comes from. I have suggested that all they need do is reprint the invoices from June 2009 onwards and they will see an estimated amount added each month. All i am asking them to do is reduce the debt on the meter and collect at the originally agreed rate of £10 per week. I have now escalated the dispute to their level 3 with copies of some invoices and made it as clear as possible that they have made an error. I will be sending a copy to the energy ombudsman. My next step is to request from them a copy of ALL transactions on my account from at least June 2009 but may want to go back a lot further. I know that i will have to make this a legal request as they never produce information for free. Should this request be via the freedom of information act or a CCA - not sure which. THey have admitted on the phone that they had a serious system issue at the time of my meter going in so there is a distinct possibility that they have lost data in which case a dump of my transactions would show gaps and inconsistancy. I feel that i may have to bring court action and request this data in the discovery phase. If i have to go down that route then this time i will take it all the way to the court. Am i mad? Does anyone know which legal request for information i should use in this case. Regards Guy I
  14. Guy

    Payplan - Any good?

    In response to Cardi, I started with Payplan in their early days. At that time when i sent them details of all my debts they were able to freeze the interest and charges on all of them. I have had some of these debts have another go at me from time to time and each time Payplan has dealt with them. So in my particular case they have been very helpful. I agree with the facts that if you deal with the creditors directly they will eventually agree a low payment and you can eventually settle. The trick then is to follow the same guide lines and dont offer to pay more than you can afford. Using someone like payplan is generally easier. I have just negotiated a apyment plan for my partner on a Barclays £8000 debt at £25 per month - they wanted £150 so it can be done but you must be prepared to bare your soul and go in hard. If i had entered into an IVA instead of using payplan i would now have 8 months to run and probably owe nothing instaed i have an on going plan and still owe in the region of £25K so its a case of shop around and see. Be aware there is a new company out there at the moment dealing with IVAs trying to get people to come out of an IVA and go bankrupt claiming its better than paying and keeping their property with no equity. this is a bad idea as eventually you will probably be clear of debt and property prices will GO UP AGAIN.
  15. Hi all, Along with all of you i have been awaiting the outcome of this case, a further rack of charges accruing over the last year. Not being too pessimistic but in the current economic climate, even if the eventual ruling goes in our favor, can the government allow a potential payout of billions when they in effect own the banks now anyway. Is there any way they could intervene and stop us getting our dues back? Guy
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