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Wiltz

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  1. He hasn't paid them yet and Santander have informed him that they are paying him. Professional Reclaim Services have sent a separate letter instruction him that he will receive an invoice and it should be paid within 14 days of him receiving the money
  2. He definitely didn't give them authority, thanks. just thinking about rights, when I change or renew my BT subscription the operator tells me that they have to read out the terms and conditions of the new agreement to which I need to reply that I have understood before the deal can commence, is that law or their own company policy? If this was an isolated case I would be more inclined to chalk it up to experience, but with all of the other reviews telling similar stories it fairly stinks and leaves a real bad taste in the mouth.
  3. Apologies Andyorch that response was meant for mariner51, who responded less than helpfully, unlike yourself.
  4. Thanks for the responses so far, well most of them. After a bit more research I found some rather scathing reviews of the company on Trustpilot, many mentioning that the fees came out of nowhere and one even going so far as to say the Ts and Cs bear no relevance to what they were told over the phone e.g. "This company is linked to harringtons advisory ltd, what they tell you over the phone doesn't match the t&cs. Watch out for the 39% plus vat fees for very little work. We have had a nightmare with this crew." "Absolutely abissmal, a circus act is orchestrated better, they don't tell you about the massive 39 percent charges and then before your money has turned up Iv got the solicitors so far up my backside I can hear them whilst sleeping. Steer clear from this company as in the end was just not worth my time and the paperwork getting completed was just a waste of ink." I looked up the Harringtons Advisory company mentioned and it turns out they were a company that also charged 39% + VAT and were forced to close down following an investigation into their practices. With more corroborating evidence like this, particularly people mentioning that the fees were a surprise, do you think that there is a little more to pursue? I have thought of writing to them and asking for any recordings that they may have of the calls, do you think that this could help?
  5. Hi all, Hoping for a bit of advice about a successful claim that my step-dad has made. Bit of background, My mum had a stroke just over 3 years ago and lost the ability to speak, along with most motor skills down her right side. It was at this point that her partner of 17 years, to all intents and purposes my step dad, became her full time carer. Earlier this year he told me that he had been getting cold called regularly by a PPI reclaim company and had eventually relented and agreed for them to look into his claim concerning a loan he had taken out with Abbey National decades ago. He informed me that it was on a flat fee of around £40, at which point I voiced my disbelief and asked him to get me the details so I could look into it, which he followed up with a text a week later telling me that the company was called Professional Reclaim Services. I completely forgot about this until earlier this week he informed me that he had some good news and some bad news about his PPI claim with Santander, the good news was that he had been awarded £12000 and the bad news was that Professional Reclaim Services were actually charging him 39% + VAT!!!! So my question is can we do anything about this extortionate charge, which will result in him losing around 50% of his award? I have no problem paying a fair rate for a fair service, but he obviously did not understand that this was the case. Any help/advice appreciated.
  6. Received a letter in the post this morning. Dear sir, I can confirm the receipt of your letter onm the xxxxxx, the content of which has been noted. Now that we have established via the DVLA that you are not the registered keeper of the vehicle seized on the xxxxxx, we will credit the fees incurredfor the seizure and also the visit with a view to removing the vehicle. This will leave your account £32 in credit. Please see the attached statement of your account and also the enclosed cheque for £32. Although the registered keeper is not the owner of the vehicle, as a gesture of goodwill I am prepared to credit the levy fee, Redemption of goods fee and the Van/Abortive removal fee, clearing your account. One for the good guys eh? I would have settled for clearing the account, but the cheque will go to a slap up binge for the better half having to face these guys. The only thing that confused me slightly was the last paragraph about the car, but I think what they are saying is that even though it is registered to my neighbour doesn't necassarily mean it's not mine!!!??? Thanks again Tomtubby for you help.
  7. Have just drafted the following letter to the compliance officer: Dear Sir/Madam Your Reference: xxxxxxx I amwriting this letter to raise some questions regarding additional fees to my, now settled, council tax debt. Your records will show that the original debt plus the two statutory visit fees have been paid and that there is an outstanding amount of some £274. I do require a full breakdown of the fees incurred, but for the time being I believe them to be for “reasonable” expenses such as vehicle hire for the removal of levied goods. This in itself is rather perplexing as no property of mine has ever been levied against. I would prefer to assume that there has been a simple misunderstanding surrounding your procedure and that it can all be cleared up quite easily, however during conversations with your bailiffs I have been confronted by outright lies and what can only be described as threatening shock tactics. I have filled out a Formal complaint form, but will wait to hear your response before I send it. As stated above I would like to see a full breakdown of the fees incurred including values, dates, times and details. Yours faithfully How does that sound?
  8. Would appreciate any help I could get here. I had an outstanding Council tax debt of around £1000 (including the two bailiff visit fees), which had been handed over to B&S so I rang them and set up a payment plan of £200 a month. The first payment went out fine, but then I had a real problem with a bunch of direct debits being cancelled by my bank (around the time I was claiming for bank charges strangely enough) and the payments stopped leaving £804 to pay. The first thing I knew about this was a notice of seizure of goodsthorugh the door detailing the original £804, a levy fee of £49, an attendance to levy fee of £18 and a redemption of goods fee of £24.50 adding £91.50 to my bill. Attahced to this was an inventory listing my next door neighbours car. I rang the office and told them that they had levied against property that didn't belong to me, although they kept reiterating that I would have to speak to the bailiff as he still had my file. I rang the bailiff the next morning and he was very agreeable and told me to ring the office the following monday when the paperwork would be back with them. I did this and they informed me that another bailiff would have to visit to set up a payment plan, which I thought was a little strange. Nothing happened for a month until my girlfriend rang me while I was out one evening to let me know that the bailiffs had just been back and had tried to gain entry to levy goods. She hadn't let them and told them that I didn't have my mobile with me and that she would get me to give them a call the day after. As soon as I got home I read the letter and noted that the debt was now £1250!!!! I did some research on this excellent site and armed with this called them back the next morning. Again he was very pleasant and I informed him that I could pay the whole balance of £804 (obviously deducting the charges for the false levies) the following monday (this being a friday). His mood changed slightly and he told me that I had to pay the balance by the end of that day or he could get a locksmith to attend my premises and take goods without me being there. I very calmly said that I'd sought legal advice and knew that that was an outright lie and suggested he didn't try any of his bullying tactics on me again or I would lodge a Bailiff complaint with the court that had issued the original order. I then told him that me paying it off on the monday was a more than reasonable offer and in fact would pay it off 2 months earlier than the original payment plan that had failed. He then tried to "help" me by advising that I pay the charges, but I said that I needed them justifying first. I did in fact pay the £804 on the monday and sent a letter to the compliance officer questioning the fees. I didn't get a reply until last week when a bailiff visited again while I was out stating that I still owed £274 in fees. I rang him the next day explaining that I'd sent a letter, but he said that they had not received it, so I told him that I would not pay the fees until I knew that they were just and I would resend the letter registered post this time. Sorry about the novel, but wanted to make sure everyone had the full facts. I now need to know that as none of my goods had ever been levied could they still technically charge the "reasonable" vehicle hire costs? Also, is the letter to the compiance officer the right route to take to enquire about this? Thanks in advance.
  9. Well update to this and a tactic I wasn't suspecting. I have today received a letter from the Halifax, with whom the original loan was taken out, which reads as below: "Dear Sir/Madam Thank you for your letter which we received 02 June 2008 and was passed to us by Blair, Oliver & Scott Ltd. We have ordered a copy of your agreement, terms & conditions and statements for the above noted account as requested in your letter. These will be forwarded pon to you upon receipt. Please note the account has not been sold to Blair, Oliver & Scott Ltd and we are now dealing with the administration of the account, therefore there is no need for a deed of assignment. Should you have any further queries regarding this matter please do not hesitate to contact us. Yours faithfully, Manager Legal Section." My immediate gut reaction is that there was no deed of assignment issued and therefore the debt was not enforceable so they took it back. However, can anyone tell me that if they do provide the original Credit agreement and the staements is the fact that they did pass it across without still an area for me to pursue? Would appreciate even more excellent advice from you guys.
  10. Thank you so much for that Fred, my letter is going out today. As suggested have just made my token payment so I hopefully shouldn't need to make another. How is it that they tend to lose or never have the signed credit agreements? It's frightening to think that organisations like these can be so poorly administrated and managed.
  11. Very interested in all your cases as I too am having problems with BOS. Just over two years ago my partner of 6 years and mother of my daughter left me, the worst period of my life without doubt. I arranged a meeting to sort out how we would split everything financially, and even though she had given up work when we met and I provided everything (including £15k deposit for our house from the sale of my house) I agreed to split evrything 50/50. She moved in with the guy she'd been seeing and I moved back into the house while I , as she was still out of work, continued to pay our mortgage and all our joint debts that we incurred after being made redundant some months before. The only debt that she was responsible for was a loan taken out to pay off her credit cards to the tune of around £10k that she had run up before we met. As she wasn't working we had to get this loan in joint names, which is where my issue really starts. Unknown to me she just didn't bother paying it I am now trying to remortgage to pay her off and all the debts, but in conjunction with the credit crunch am finding it increasingly difficult to do so with the default now against my name. To prevent legal action I have agreed to pay BOS £100 a month hoping that I can get it all paid off when I remortgage. I have read through the stickies in this section but would appreciate any advice could get.
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