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    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
    • Welcome to posting on CAG cabot, people will be along soon to help you try to sort this out. Please complete this:  
    • Quotes of the day penny mordaunt came out swinging with her broadsword, and promptly decapitated sunak while Nigel Farage, representing Reform UK, made contentious claims about immigration policies, which were swiftly fact-checked during the debate.   Good question though raised at labour about the 2 child benefit cap, which I broadly agree with, but the tory 'trap' assumes tory thinking - rather than child centric thinking. There should be no incentives to have kids as a financial way of life paid for by everyone else ... ... BUT the kids should not be made to suffer for the decisions of their parents Free school meals would feed the kids, improve their ability to learn, and incentivise them to go to school. As an added benefit ... it would invest in our nations future.   How far this should go is a matter for costing, social intent and future path of the nation, but not feeding our nations kids is an abomination. There should be at least one free school meal per day for every child who attends school. Full Stop. Its the cheapest and most effective investment in our future we could make.
    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
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Halifax loan under Kensington DMP, now Robinson Way chasing


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Hi what an on going problem i have :mad:

 

6 year ago i was in big debt so went to Kensington Finance.

Owed around £13.000 when i started,

They said it would be paid off 5 half to 6 year.

Started paying £210 month in Dec 2003 never missed,

 

So i rang them Feb 2009 see how much i owed,

 

Recieved letter telling me i owed just shy ov £9000.

 

Would,t help me out so went to Citizens advice,

 

Been with them since May 2009 trying to get to bottom of it..

 

Halifax debt is the problem.

They passed it onto a company called Fairfax who wanted payment asap.

Advised Cit advice who got in touch with them.

 

Received more letters so i passed them onto Cit Advice,

 

Never heard anything untill another company got in touch ROBINSON WAY

and i've recieved aload ov letters from these nice to nasty,

nothing for a while then nice.

 

I now need to see Citizens Advice again due to the agent being to busy :confused:. I dont know whats happening regards to her discussions with Financial Bmbudsman ? or how i stand..

 

Thing is i'm Still recieving letters from Robinson way and its starting to get to me,

My circumstances have changed big style since 6 year ago,

I no longer live with my parents,

 

live with my fiancee and her 2 lads 13 & 10 and our little Daughter 20 months so i'm alot worse off.

 

Do i ring them offering minimum payment of about £20 month as my partener dosen't work

or do i ignore the letters and wait till i've spoke to Citizens Advice again ? :idea: :-x:confused:

 

Any feedback would be Appreciated

 

Cheers

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Hi what an on going problem i have :mad:

 

6 year ago i was in big debt so went to Kensington Finance. Owed around £13.000 when i started, They said it would be paid off 5 half to 6 year. Started paying £210 month in Dec 2003 never missed, So i rang them Feb 2009 see how much i owed, Recieved letter telling me i owed just shy ov £9000. Would,t help me out so went to Citizens advice, Been with them since May 2009 trying to get to bottom of it..

 

Halifax debt is the problem. They passed it onto a company called Fairfax who wanted payment asap. Advised Cit advice who got in touch with them. Received more letters so i passed them onto Cit Advice, Never heard anything untill another company got in touch ROBINSON WAY and i've recieved aload ov letters from these nice to nasty, nothing for a while then nice.

 

I now need to see Citizens Advice again due to the agent being to busy :confused:. I dont know whats happening regards to her discussions with Financial Bmbudsman ? or how i stand..

 

Thing is i'm Still recieving letters from Robinson way and its starting to get to me, My circumstances have changed big style since 6 year ago, I no longer live with my parents, I live with my fiancee and her 2 lads 13 & 10 and our little Daughter 20 months so i'm alot worse off. Do i ring them offering minimum payment of about £20 month as my partener dosen't work or do i ignore the letters and wait till i've spoke to Citizens Advice again ? :idea: :-x:confused:

 

Any feedback would be Appreciated

 

Cheers

little more info please ,

whats the debt for ?

have you ever cca,d the dca ?.

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Morning,

 

Firstly, Welcome. You will get great help here.

Next, DO NOT phone anyone. Any further communications need to be in writing.

 

My thoughts are that if you are still with Kensington, get shot of them. Just how much are they charging you per month to handle your debt. If you need a debt management plan, use Payplan or CCCS. Both are free.

 

Don't bother with CAB as they tend to side with the creditor and don't always tell you ALL the options.

 

I would CCA Robbers Way if the debt to Halifax is a credit card or loan.

 

I would also SAR Kensington and see what documents come back as they have seriously mis-informed you.

The Consumer Forums - Debt collectors

 

CCA is letter 8 and the SAR is letter 11

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi Tally and welcome to CAG :)

Right, you've already paid them in excess of £15000 and there's still £9000 allegedly left to pay? That's horrendous.

I think you need to send off for the agreement asap, to make them prove the debt.

Send a CCA request letter to whoever is chasing you for the money. The link to the template letter is below. Enclose a £1 Postal Order (no cheques, unless it's from someone else's account) and do not sign the request with your normal signature, just print your name (to avoid risk of fraud). Send by recorded delivery and keep the receipt as proof.

After 12 + 2 working days have elapsed, if they haven't produced the documents, you can legally place the account in dispute and withhold payment until they do. Keep us informed and we'll help you respond to whatever they send.

Keep everything in writing from now on, do not discuss on the phone.

That should get you started, if there's anything else you need to know just shout - there'll be others along too to offer help.

 

Elsa x

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little more info please ,

whats the debt for ?

have you ever cca,d the dca ?.

 

Loan,

Never CCA'd the DCA what ever that means ?

 

I Stopped using Kensington in March, I'm really nervous regards to the letters, I got a statement from Kensington Showing the Payments. They took £35 a month..

 

Whats a CCA and a SAR

 

Can they just turn up at my door or is there some law to stop them ? :-(:confused:

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Don't worry about DCA's they have no power over you.

If you have a look at the link I posted earlier you will see lots of links to letters which you can send.

 

If anyone turns up at your door, you are well within your rights to tell them to eff off and call the police if they refuse.

 

A CCA request is a request for a copy of the agreement you signed when you took out the loan. If Robbers Way cannot supply this, they cannot enforce the debt, simples :)

 

I will have a look for the "doorstep" letter for you (I did have it but my PC died)

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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You have a legal right to examine your agreement at any time without penalty. (if they did, you would have cause for complaint)

 

The CCA letter can be sent as it is as yours is a loan so it is covered by s77. you don't need to undestand it as yet. As it is going to Robbers Way, the paragraph in red should be left in. All you need to do is put your details on the letter, the Halifax account number (if you have it) and Robbers Way reference number.

 

Do not sign it, just print your name

send a £1 postal order-no cheques

send it recorded delivery and track its delivery via the Royal Mail website.

 

If they happen to send back a VALID agreement, you could then telll them waht you can afford to pay. They cannot tell you. Only a judge can tell you what to pay.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I'm so pleased i've found this site.. Thanks alot.. I,ve printed the CCA off with details filled in. Do i need to put my full name or just my 1st.. Also i have printed the doorstep letter and if they turn up i will hand it to them aswell or shall i send both off at once

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just your first name and surname.

 

You don't need to send the doorstep letter yet unless they have already threatened a doorstep visit. Keep a copy by the door just in case and if they do turn up unannounced, you can give it to them and shut the door.

Remember that debt collectors are not bailiffs and they have no right of entry.

 

Spend a little time reading other threads on the tactics used by debt collectors and you will see what muppets they really are. look at the letters they send and I predict it will be full of "ifs, mights and mays"

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi Tally, your in good hands now your a member of the CAG

 

 

Pity i only have access to computer @ Work :-x.. I've got no luck if something happens @ night or weekend..

 

My heads in pieces confused and mixed up :confused:. Causing bad temper tantrums and sleepless nights once again :sad:..

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Do not worry too much, and certainly don't let debt ruin your life. You may feel confused & mixed up now, but in time with some reading on this site and the help you will get, you'll feel a lot less stressed. You've come to the right place for help.

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Will sending a CCA not make things worse ?

 

Should i get intouch with Robinson way and arrange a minimum payment scheme or not

 

 

By sending a CCA request, you are exercising your lawful right to examine the documents. Robbers Way should put your account on hold until they supply the agreement. If they carry on chasing after the request has gone in then you can complain.

 

Of course you can contact them to arrange payment but why? Until they supply the proof that they have the right to be chasing this debt, you owe them nothing.

 

Were you ever defaulted by Halifax?

Did Halifax terminate the agreement?

Have you received a Notice of Assignment.

 

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Hi Tally 60 and welcome

You are in good hands here on this site, we are all, either in dispute with not only banks and building societies and other finacial compainies, about money agreements, and together we will help you out along the road to finding out if they do have an enforceable agreement with you or not. Most of us are in various stages of dealing with these companies.

 

As for Kennsington, we had a second mortgage with them and they were not a good company to deal with, they will keep sending you letters threatening this that and the other, but until they prove that have got an enforceable agreement they are breaking the law.

 

The reason of the SAR is so they HAVE to disclose what information they have on you.

 

As for losing sleep, we have all been there too, and I know it is easy for us to say to you don't worry, but try not to... we have people on here that KNOW the laws and guide us on dealing with these ****** companies, and if they decide to take you to court, ( and thats a last resort for them and most bail out before going into the court), there are legal people on here that will buddy you, so take note of what we tell you, just make sure that when you put stuff on this site and your thread, DON'T put anything on which will identify you, ie, Names, addresses, account numbers & BARCODES on letters (as these are identity codes) as unfortunately there are some of the these companies that monitor this site to see what we are saying.

 

But you are in good hands, don't be afraid to ask questions, soon you will gain a lot of knowledge and you will be adding to other peoples threads and feel a real part of this group. So keep your head up and do what we advise you and you are on a safe journey.

 

Keefyboy

Keefy (:-)The "Moaner":rolleyes:)Boy

Prepared to take on anyone until I win...................

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I've got ANOTHER appointment with Citizens Advice wednesday see what they say. Not that they've helped much TBH..

 

What do i do if i send out a CCA letter. Whats the next steps Please

 

I just have visions of my fiancee ringing me telling me baillifs are ransacking the house :-?

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Time to clear up any confusion.

 

A DCA has absolutely NO power. They are not bailiffs.

 

The only time a bailiff will call is if Robbers Way took you to court. If they did that and you didn't defend it, they would get judgement by default. If you didn't pay the judgement, then and only then could they go back to court to apply other sanctions like attachment to earnings, a charging order if you have property or to send in a bailiff.

 

Additionally, if you did defend and lost, the judge would take your financial circumstances into account and order you to pay in instalments, at a rate you could afford. This rate will usually be less than the DCA wants and then there is nothing they can do about how much they get without going back to court to get a variation order.

 

If anyone from the DCA did turn up on your doorstep, you can tell them to sod off.

 

I hope that helps you.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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HELLLLLLLPPPPPPPP

 

Robbers way have sent me a letter telling me if i dont Pay they will be sendind me a DOORSTEP CALL if i dont respond within 12 days.

 

My situation is with the Financial Ombudsmans Aducator and Citizens advice said there all just idell Threats

 

What do i Do now.. I have the doorstep letter in the house just incase ??:confused::eek:

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Stop panicking :)

 

If you haven't sent them the doorstep letter yet, do so and by Recorded Delivery.

 

In the unlikely event they do turn up, tell em to bu**er off and they have to. Simple as that. There are no rules that you have to speak to anyone at the door.

 

As previously mentioned, these muppets try to inflate their powers to scare and intimidate. They are impotent! (figuratively speaking of course :D I would never suggest they couldn't breed)

 

You could write to them and say that if you intend to collect your doorstep, bring enough bodies and a crane as it weighs a couple of tons :-)

 

Remember, this letter is spat out by a computer after someone presses a button.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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