Jump to content


Spml/acsenden/capstone arrears


maz200
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2151 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

HI ALL,

 

to cut a long story short ive had problems with the above for ever.

I have an arrears repayment order on a suspended warrant which is nearly paid off,

howver every year they attempt to enforce the warrant without success.

 

My issue is this,

on my letters and quarterly statements I have seen a whole bunch of other charges.

 

3 years ago i wrote to complain and they removed them incremently.

 

these charges are shown to be part of the arrears

 

however they are threatening again (not that i get worried),

please could you tell me exactly what the hell these charges are as im thinking of actually taking this further and calling them out on them

 

on my statement it states

Insurance related charges (the buildings insurance is part of the CMI and is stated on the monthly interest rate letters i get)

 

i have no idea what these are

 

Fees and Security related charges ( a name change here as they were listed as other at one point)

 

These fees and charges total 6822.87 and are put on the arrears of which the total is 2757.

So makes my arrears look higher than they actually are.

 

Is there anyrthing within FSA MCOBS regarding this and how to deal with it officially?

 

any help greatly appreciated:-)

 

Thank you

Link to post
Share on other sites

SAR time first me thinks!!

 

why do you need building ins with them did you not have it already?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

hi, yes iv already requested a SAR, and the insurance is part of the CMI,

 

my questions was about the £6000+ of 'fees' they have added to my arrears balance.

 

Are they legitimate?

 

as last time i pulled them over these they were removed. now they come back with these.

Link to post
Share on other sites

and the buildings insurance well.....that was a years long arguement i had with them, they would not accept my providers even though it was more comprehensive and value of insurance was higher than theirs.

Link to post
Share on other sites

AFAIK no fixed sum penalty fees are lawful.

the FCA deem any penalty sum to be unlawful as they do not reflect the actual/any extra work they had to do

note unlawful not legitimate

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

and the buildings insurance well.....that was a years long arguement i had with them, they would not accept my providers even though it was more comprehensive and value of insurance was higher than theirs.

 

then go get that back too take them to the FOS if you have too.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 1 month later...

If it helps maz, I am in exactly the same position with Rooftop/JPM and made a complaint to the FOS as suggested.

 

It took nearly a year and a few idiotic emails from them until they rejected my claim re unfair arrears and insurance fees etc.

 

Having followed dx's advice I have now written to them asking for it to be sent direct to the Ombudsman as I wasn't happy with the assessors decision.

Its likely to take another year but until we get a definite answer on this we have to go along with it.

Edited by dx100uk
spacing
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...