Thanks DX!

From what I understand it was an early termination charge because I stopped paying my bill. I told them I was leaving due to be forced to move back home as the property the internet was installed at was inhabitable. This is the breakdown of what they say I owe: Line Rental 7 Feb - 18 Feb 15 This is a refund of your Line Rental which you paid in advance up to 18 Feb 2015. -£6.58 Line Rental* 6 Feb 15 You cancelled this service while on contract - so this charge is for your Line Rental to the end of your contract. Package Package Refund Broadband and Calls 7 Feb - 18 Feb 15 This is a refund of the price of your Package which you paid in advance up to 18 Feb 2015 -£8.90 DPC for Free BT Home Hub 5 6 Feb 15 You have left BT Total Broadband within 12 months - so this charge is for the cost of your broadband equipment Total rental and other charges £112.90 I was only a couple months into the contract so the charges do seem low. However charging £65 for the homehub is scandalous, especially given they didn't once ask for it back. I still have it so can easily send it back to them and deduct £65 from whatever they claim I owe Leaving £47.90. Will offer tomorrow, anyone have an email address for them? The contact us section is awful!

Edited. I'll post on the telecomms after tea! I was forced out of a property due to several gas leaks and through my own bad choices, cancelled my DD and all communications with BT and signed up to another provider. They originally kept asking for over £500 and when I just kept saying "no" and that I was unemployed they've all of a sudden dropped it to the above figure. £100 roughly minus the 25%. Should I just call BT up directly and offering to pay the fee minus the 25% in instalments? They've said that they won't deal with me directly, I assume this is bull?

A bit off topic as it relates to a DCA but thought I'd keep it here having it together. Got this from BT today, with a 25% charge added. Any advice? I don't dispute the debt. Mr XXXXXXXXX BT Ref: XXXXXXXXXX Date 03/08/2015 Dear XXXXX, We've passed your debt of £141 to a debt collection agency. We've sent you several reminders but you still haven't paid us what you owe. So we've now passed your debt to Pastdue Credit Solutions, an authorised debt collection agency and member of the Credit Services Association (CSA) who will get in touch with you about paying it off. We've also added a charge of 25%, included in the outstanding balance above, to cover the cost of us handing over the debt. If you want to stop this going any further: visit Pastdue Credit Solutions's website at http://www.pastduecredit.co.uk to make a payment, or set-up regular payments, or call 0141 951 6448 to make a payment, or to talk about your financial circumstances and agree what you can afford to pay regularly until you settle your debt , or contact the agency by email [email protected] or write to them at 1 Blair Court, North Avenue, Clydebank Business Park, Glasgow G81 2LA If you don't pay, or make an arrangement to pay what you owe over time, we might recommend legal action to recover your debt. Legal action would mean extra costs to you, and might affect your credit rating. If you've paid us in the last few days, you can ignore this letter. Yours sincerely, XXXXX

Quickquid update - They are refunding around 90% of ALL interest and charges on all loans plus writing off my current loan and removing all credit file entries. Safe to say I am very happy and accepted their F&F offer. P2P update - Again, refunded 100% of all interest and charges paid, writing off my current loan and removing all credit file entries. Happy with this outcome as well. They didn't mention about selling the loan to ARC, however I am happy to let it go and move on with my compensation. That's now Wonga, Sunny, QQ and P2P ALL put in their place without FOS involvement. Anyone have any experience with how the FOS deal with 118 as this is my last big issue now with an alleged £1700 owing. Any advice would be great. Mr Lender I only owe another few quid, same with 24/7. I owe around £400 to Different Money and £140 to Payday Express but neither have gotten back to me since their Final Response so I'll escalate with those now on Monday morning when the FOS open. I want to say a massive thanks to all of you that have provided life changing help and information so far. When this money comes through a donation will definitely be made. I am over the moon with these outcomes thus far. Richard.

Taking it to the FCA tomorrow, as that is when QQ and P2P's formal complaint reply window is up. Now when I'm doing this complaint, I assume I just merge the two complaint together into one, part 1 being the 8 week window being up and part 2 being them insisting my loan has been sold and ARC saying they haven't bought it? Thanks

Was via their live chat section on their website and I got the transcript emailed to me. I can prove they've lied about selling the loan on as ARC have stated numerous times that they don't buy alleged debts.

Only getting around to the CCA etc now. Again contacted P2P who said ARC Europe own the alleged debt. ARC Europe say they don't buy debts. Am I right in thinking P2P haven't sold this debt and are trying to threaten me by saying they have? I can't communicate with them any further as they say they won't speak to me as ARC now have the debt.

Still in shock at them not even putting up a fight. What annoyed me slightly was the goodwill gesture bit. No one writes off a substantial amount of money as a gesture of goodwill. Obviously know they messed up. Starting to feel a lot more optimistic now, as always will update when I hear more.

Sunny update - borrowed three separate loans within five days off these and I wrote earlier that it was interesting because there was no way they should have allowed the borrowing. Anyway received this email response today, they've written the ENTIRE balance off as a "goodwill gesture" Dear, I write further to our email dated 9 June, thank you for your patience whilst I have been investigating your complaint. My understanding of your complaint is that you do not feel appropriate checks were carried out prior to the granting of your loan, and that we are guilty of lending irresponsibly. Furthermore you feel that providing this loan worsened your overall financial position. Please let me know if I have missed any points or misunderstood anything. To investigate your complaint I have reviewed the account opening procedures in place at the time. Having done so, I am able to inform you that we conducted creditworthiness checks, we assessed your ability to afford the repayments which would fall due under the proposed agreement and we considered how you were managing other debts at that time. Based upon these checks it was considered responsible to advance credit to you. Bearing in mind the above, I am unable to uphold your complaint, as we believe that the aforementioned checks were proportionate and responsible and we considered all available information at the time we made our decision to lend to you. The total amount borrowed was £XXX and to date you have not made any repayments, which means that presently you have benefited from the full loan capital. As a goodwill gesture, and in light of your current financial hardship, I have arranged to write off the outstanding balance of £XXXX.XX, meaning you therefore have no further liability to us. I appreciate my response may come as a disappointment to you, however I hope you understand the reasoning behind my decision. Should you remain unhappy you can escalate your complaint to the Financial Ombudsman Service, below is a hyperlink to their consumer leaflet for your reference http://www.financial-ombudsman.org.uk/publications/consumer-leaflet.htm. You should notify the Ombudsman of your complaint within six months of receiving this letter, they may not consider your complaint after this time. Yours sincerely, Short and sweet. Now a couple of points and questions - why would this response "come as a disappointment" to me? Looks like it was a cut and paste paragraph anyhow. Nonetheless, happy with this as it is so obvious they know they were wrong in lending, and are trying to pass it off as a goodwill gesture.

Nothing to do with AMEX? This is in regards to Pounds to Pocket. They just informed me they SOLD the account to ARC (Europe) Ltd on 11 June. ARC have said they don't own the account and have just been assigned it? Something here isn't right and now I'm starting to get worried? I've paid zero to the DCA as advised/not having the money to pay them. Originally got a £600 loan with P2P, paid £141.66 two times or to them on time as first and second repayment. Nothing since as I lost job. Current amount owing is £701.09. Balance at start was: 600 loan amount 991.57 total repayments What do you mean by cash cowing?

OK so CCA to P2P or ARC. It very much seems ARC own this. Will get them to confirm and come back to you on this. If P2P own it ill CCA them. I assume interest is frozen as the alleged balance owed has been the same since the beginning. There are no statements that I'm aware of. Just letters saying how much I owe. That's possibly the same thing though.

I've been educating myself a lot recently. Does this mean they provide me with everything they have about me and the debt if I request a CCA? Edit: if I send a CCA wouldn't that give them more chance to take this further? Might just take your earlier advice and ignore until further notice.

I deleted a lot of the texts and call logs before I even saw this forum so afraid I don't have much evidence apart from the texts.

I'm aware they don't own it, however when P2P informed me that ARC would be getting the debt, they said on their letter to me: "Your account will be sold on DATE" Doesn't this insinuate that ARC now own the debt? Another point from an earlier post - Wonga offered me a settlement of all charges and interest paid on my loans between September 2013 and the present day - which I countered with a demand for charges of my loans from June 2011 to September 2013 included - they said the earlier loans weren't affected and closed my claim citing I rejected their offer. Having seen that they closed my claim, I called up immediately (I know) and they said the claim wasn't closed and I decided to accept. Now - having settled for the loans between September 2013-present, does this mean I cannot go to the FOS about the June 2011-September 2013 loans? Or should I still escalate? Again in relation to an earlier post - Payday Express sent me their final response, it was the usual about me agreeing to everything. They said I passed their credit checks - now when I applied I had a default from P2P on my file as well as late payments on 7 other payday loans, surely this was grounds to reject me?? I know I was stupid applying but I wasn't thinking straight and regretted it immediately. 247MoneyBox update - they rejected my formal complaint as well, but offered a settlement of 50% which I've accepted (not heard anything since about starting repayments). Still going to escalate. Mr Lender update - after TWELVE letters of them offering me discount after discount, and a total of 143 missed calls in 39 days, along with 156 texts in the same time period, they offered 50% as well and I'm repaying that over 6 months at an affordable rate. Also escalating to FOS. Different Money update - rejected my complaint. Again with these I had a default on my file and loads of missed payments so I don't know how I passed their checks. Quick question - Does this work in my/anyone else's favour when the FOS see that there was a default and loads of missed payments when one of these sharks accept? Sunny update - no word back an its been 6 and a half weeks. These are the most interesting because again - had loads of missed payments and I took out 3 different loans in the space of 5 days with them, £150 each with a monthly salary of £850. Surely at least 2 of these loans shouldn't have been accepted? Again I know I applied for all these but anything I do get in settlement is partly going to this site (as without it I'd be so so so much worse off right now). Quickquid/P2P update - partially covered P2P above, but I got the exact same response from the same person about my complaints with these. Everything about how they credit checked and that I could shove the complaint. Asked them politely if this was a final response - heard nothing for 3 weeks and they emailed saying that as this was a serious concern to both me and QQ/P2P, they need extra time before issuing a final response. Also, when I applied and was accepted for P2P in December 2014, I wasn't paying back a QQ loan I owed. Still don't understand how they would accept anyone who has not paid back a loan from basically the same company. Cannot wait to see what they say as I used them more than Wonga and rolled over/topped up as much as possible every couple months. Finally - Fredpay update - as previously mentioned, they called my parents looking for me quite a few times and since I told them never to call them again or I would be taking the matter further, I've heard nothing. Not holding my breath as I assume they'll come back for more soon. This was regarding a Vodafone debt and the amount Vodafone say I owe compared to what Fredpay say I owe is a 300 quid difference. Anyway, that's an update on all my debts. Glad that Wonga is settled as they were the one I was worried about most months ago. As always, any help with the many questions asked will be great