Will do. I'm not a wall flower when it comes to telling people where to get of. Won't be intimidated by these lot. Thanks for that

Thanks for that it will be of great use should they visit as yet only threats. Since we live in an apartment with locked doors gonna be kinda hard for them. That's if they even have the address as they have not mentioned this at all.

Fingers crossed and i will certainly keep this thread updated. Thanks for all the advice received

Thanks for that didn't know that info. I will do. Getting bored of them now they won't even say what it's for. Just muppets and totally think they are above the law.

Thanks for the reply. Had to send them 2 revoke letters before they sent this. That was after all the early morning emails. Like what other people report they are idiots. But just needed clarification on the matter. They really need reporting to OFT. Thanks

I understand you have decided to revoke your doorstep licence In relation to your notification of your revocation of the doorstep licence regarding our intention to send an agent to your home to discuss the debt. I can confirm that we are fully aware of this and we ensure that we fully comply with the Financial Conduct Authority (FCA) guidance regarding debt collection and visits by agents. You are not correct in your assertion that, under FCA rules, we can only call at your home if you agree to make an appointment. The debt is not reasonably disputed or deadlocked, and we are giving you reasonable notice of the timing of the intended visit. In law, a creditor is in a different position to a postman or a member of the public asking directions. When you took this loan, you impliedly agreed that the creditor could communicate with you to discuss repayment. You do not have the contractual right to revoke that agreement until the loan has been repaid. Please contact us on 0800 9961103 and quote reference M to arrange a repayment plan for the outstanding balance, or to discuss a settlement. Our collections department is available between 8am and 8pm Monday to Thursday, 8am to 6pm Friday and 9am to 2pm Saturday.

Hi all i am new to the forum and would value any opinions or advice. I am posting on behalf of my in laws as they do not know where to go from here. Basic story is last year they went to a travel agent and paid deposits on a package holiday for themselves and there daughter and her boyfriend. They received the usual contract and confirmation and the information when the balance etc was to be paid. they wanted to go to this particular hotel and on pacific dates and this is why they used this agent. Unfortunately around 6 weeks ago the daughter and her boyfriend had to cancel as they could no longer afford to go. They went to the company and informed them and told they would lose the deposits for them which was around £250. They accepted this as the balance is due at the end of March.At this point they also paid for extra legroom on the plane. Then around 3 weeks ago they got a call from the agent to come to the local office. They were basically told that the holiday company the agent had used did not have the hotel they required any longer due to the hotel not signing the contract with them. They were offered another hotel which was nowhere in the same league as the original one and they also had to pay a bit extra. I don't know if its just me but i think they were mis-sold the holiday to begin with due to the company not having the hotel onboard to begin with. Also the fact that her daughter and partner lost there deposit on a holiday that didn't exist. Its down right disgusting to begin with. They were not offered a refund if they did not wish to take an alternative and felt forced into going to this inferior hotel. They don't go till June. They wrote to the agent on 2 occasions but only got offered £60 compensation. Its been really stressful and they haven't even gone yet. They are not in the best of health either and this was a special treat which is now spoiled. The balance of the holiday is due end of March. So if you guys and girls on here can offer any advice what they should do next it would be most appreciated. Thanks in advance