Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder guinless Novitiate

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    Default 123 Debt Solutions

    Hi. I've had nothing but good advice from this group in the past, and could really do with some again please.

    My wife phoned 123 Debt Solutions, and arranged a dmpicon with them. When I found out, I looked online and found many recommendations for the free payplan.com, and she has now decided to arrange the dmpicon with them instead.

    Problem is, she gave 123 DS her debit card number, and now that the pack has arrived from them in the post, I notice that in the T&Cs, it says:-

    3.10 By providing your card details for your 1st payment, You have entered into an agreement and You will be liable for 1st payment into the Plan. Should You not wish to enter into the Plan and require a refund, please return Your unsigned documents to Us, accompanied by a cancellation letter. Please see section 5.3 of these terms.

    5.3 If You wish to cancel the agrement, You must do so within seven days of making a payment in order to receive a refund. If We have already disbursed funds to the creditors on behalf of the client, a refund will not be issued.


    Note that she has not signed anything, and never authorised any payment to be taken, she simply provided over the phone information she was asked for, but now I'm concerned that they will take the money from her account without permission.

    Can anybody assist with a suitable cancellation letter. Many many thanks.


  2. #2
    Basic Account Holder spots1 Novitiate

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    Default Re: 123 Debt Solutions

    Send them back and make sure you send them rec or reg. at once!
    Check that they have not taken anything out and if poss. get her to cancel the card and ask for a new card no. asap. if you can do this before anyone trys to take money then it will cut out the long process of having to get the refund


  3. #3
    Basic Account Holder spots1 Novitiate

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    Default Re: 123 Debt Solutions

    As for the cancellation letter just state that you have decided to not to use their services ....thank you.
    No need to elaborate but do point out that the date.


  4. #4
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    Default Re: 123 Debt Solutions

    I think you should also write to your bank confirming that this company no longer has permission to take money from account. If necessary, you are going to have to ask for a new card.


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  5. #5
    Basic Account Holder guinless Novitiate

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    Default Re: 123 Debt Solutions

    Many thanks spots1 and citizenB


  6. #6
    Basic Account Holder spots1 Novitiate

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    Default Re: 123 Debt Solutions

    Keep us informed ...hope you have been able to start the process


  7. #7
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    Default Re: 123 Debt Solutions

    Thanks spots1. Will keep updating with anything that may be of use to others.

    Recieved paperwork from Payplan today, but unfortunately they listed our tax credits wrong, forgot to list council tax as an outgoing, and forgot to list my wife's disability living allowance, so have to call them on Monday.


  8. #8
    Basic Account Holder oasisyoungy Novitiate

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    Default Re: 123 Debt Solutions

    i have had the same problem with this company, unlawfully taking money from my account for a service i have not recieved as i cancelled it, 82.00 lighter now, been on to the financial Ombudsmanicon, as these people were supposed to help you out of debt not put you in it!! go to payplan they are run by the goverment and 100% goes to your creditors,

    steer clear of these 123 debt solutions are a joke!!!


  9. #9
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    Default Re: 123 Debt Solutions

    Thanks oasisyoungy. She went with payplan, and all seems good so far.


  10. #10
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    Thumbs down Re: 123 Debt Solutions

    steer clear of these 123 debt solutions are a joke!!!
    Too right they are. We just received their welcome pack and reading very small print it seems they would offer their services (which consists of them sending a few letters out) to us for the bargain price of 25 PER MONTH,! That would double the debt we are in

    Needless to say they can shove their service where the sun doesn't shine.

    BE VARY CAREFULof this so called "solution", nowhere on their website does it mention their charges, at no time during the initial phone callicon was any charge mentioned. They shouldn't be allowed to prey on the needy in the way that they do.


  11. #11
    Basic Account Holder Nick Pearson Novitiate

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    Default Re: 123 Debt Solutions

    Quote Originally Posted by oasisyoungy View Post
    i have had the same problem with this company, unlawfully taking money from my account for a service i have not recieved as i cancelled it, 82.00 lighter now, been on to the financial Ombudsmanicon, as these people were supposed to help you out of debt not put you in it!! go to payplan they are run by the goverment and 100% goes to your creditors,

    steer clear of these 123 debt solutions are a joke!!!
    Payplan are not run by the Government (if they were they wouldn't be anything like as good as they are). Payplan are a private sector company who provide free dmpicon's funded via lenders.

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  12. #12
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    Default Re: 123 Debt Solutions

    Quote Originally Posted by Nick Pearson View Post
    Payplan are not run by the Government (if they were they wouldn't be anything like as good as they are). Payplan are a private sector company who provide free dmpicon's funded via lenders.
    Hi

    Are there any Goverment run ones Nick?


  13. #13
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    Default Re: 123 Debt Solutions

    Quote Originally Posted by Wintry View Post
    Hi

    Are there any Goverment run ones Nick?
    I think the Goverment might be too busy worrying about their own debt to be starting a debt managementicon service!


  14. #14
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    Default Re: 123 Debt Solutions

    Also though Payplan you can buy insurances


  15. #15
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    Default Re: 123 Debt Solutions

    There is also the option of doingt it yourself and arranging your own dmpicon.

    This is what I have done and I feel a lot more in control of the situation than using a 3rd party and I got a great deal of satisfaction out of negotiating with creditors myself. I have certainly become a lot more assertive with them than I was at the start


  16. #16
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    Default Re: 123 Debt Solutions

    Tbh, i'd have been very wary from the off, of a company called "123 debt solutions". It sounds like something a 5 year old could have come up with.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


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  17. #17
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    Default Re: 123 Debt Solutions

    With regard to this company, I have had nothing but good experiences. They are seriously helping me to get out of a terrible situation.
    However, I'm not sure that I understand the points you are making about their terms and conditions...surely you can liken this contract to any other kind of contract. For example, would you enter into an agreement with a mobile phone company and then refuse to pay them and then on top of that refuse to follow their cancellation procedure that you have agreed to by signing the documentation?
    As with all contracts, their is a cooling off period. If it is a distance sale, the period is 14 days. This should be plenty of time to potentially change your mind, and if not, more fool you!

    I'd also like to ask why, if you were not completely sure about it, that you would give your card details to a company for processing on a certain date. I know I wouldnt!

    I think people need to be more aware of what they are actually agreeing to...dont signicon agreements if you dont agree with them!!

    I would also like to mention the gripe that you appear to have with 123 debt solutions charging a fee. They are a business, and they are providing you with a service, so what is the problem with them charging a fee?? They deal with all my creditors by phone and post, and their staff are in 7 days a week, which is great for me because I work full time and would find it difficult to contact them otherwise. The person I spoke to initially did not hide anything from me, and I do not have a problem with fees being taken to have this weight taken off my shoulders.

    Thanks to 123 debt solutions, I will only be in debt for another year or so, all being well. I wouldnt have been able to do this on my own and as another plus, they have also got the interesticon and charges frozen on every one of my debts.

    I also did some research on payplan. They are not really free. As mentioned previously, they are funded by the lenders...so the lenders will push you to go with payplan if they can. That way, you are esentially paying your interest and charges every month, and I'd be surprised if you could actually get out of debt in a reasonable amount of time.


  18. #18
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    Default Re: 123 Debt Solutions

    Never any need to use a fee paying dmpicon.

    Easily done for yourself.

    And of course PayPlan is free to the user.

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  19. #19
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    Default Re: 123 Debt Solutions

    NIckykr seems very defensive of 123, i wonder if i rang what the chances are of a NIcky working there??? very high.

    The point is Nicky. people are in debt, cant afford to pay their creditors so for 123 to sort they pay them a stupid amount of money. therefore reducing the amount they could pay, and taking longer to pay.

    EXAMPLE:

    user owes 24000, and pays Payplan 100 per month, this will mean they will pay off in 20yrs
    user pays 123 100pm maybe 85 will get paid to creditors meaning it will take over 23yrs to pay off.

    DO the sums..... it makes sense. dont pay for your dmpicon!!!
    even your creditors will tell you to ditch a fee paying dmpicon for a free one.


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    Default Re: 123 Debt Solutions

    I love how they say they can guarantee freezing charges and interesticon. THat just isnt the case.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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