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aaland

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  1. @locutus - indeed I shall be and, yes, it mostly rains in Escrick lol
  2. More for other's amusement really as I am quite happy to lead them on a merry dance but it's a sad reflection on any company... So, I have a contract mobile 'phone and it occurs to me that I'm spending about 25 quid a month and 99% of the time people call me. Not good value then Okay, can't be that hard to cancel shirley? Called O2 and they said yep, no problem we'll send the final bill in about a month so I cancelled the direct debit. Nowt came. Then a final demand came so I wrote back saying but you still haven't told me whether this is the final bill? They sent me an extremely complex missive which basically said I owed something like 75 quid! Huh? So I wrote back and complained and put the debt in dispute repeating my request for a bill showing the correct amount and clearly showing it was the final bill and the account was closed. O2 sent me a bill with the correct amount and simultaneously passed the account to a DCA (Moorcroft). I sent my cheque off to O2 now that I was satisfied it would be the final payment. I also told them I wouldn't deal with a DCA and they could whistle for their charges. Moorcroft rang last night demanding to speak to me so I pretended to be someone else and told them I was on an expedition in the grasslands of Escrick (not too bright your average DCA) and wouldn't be back until the rainy season started. ...to be continued
  3. I am, my partner persuaded me it was the best option
  4. Digging the paperwork out and it's more like 25k (15k loan and two lots of 5k on credit cards). I know I'm responsible but there's no way I can pay this back - any suggestions and I would be grateful.
  5. I don't think they do but my partner may have added to the debt without my knowledge. Where can I get information about a Debt Relief Order? Thanks for the quick reply by the way
  6. When I was with my partner we took out a loan (£10,000), our income reduced dramatically and we took on an IVA but couldn't pay the minimum amount so stopped paying - I know, bad idea. My partner left me a year ago and I'm on benefits now as I cannot work. I'm being chased for the IVA payments but I have no money to pay them. I'm thinking of declaring myself bankrupt - well, I pretty much am anyway. There's no way I can even think about paying anything off... I feel guilty about it but I have a young family to bring up - I never want credit again and I'm not sure what's the best thing to do - any advice???
  7. Just spent some time reading this thread - it's great! It's important that, as well as getting sound advice, there's somewhere that you can get a laugh too... Couple of years ago had some problems with BT who dumped me in the lap of Credit Solutions. After putting up with their calls for a few months I lost patience and resorted to this: CS: Can I speak to Mr ... Me: Certainly. Can I have your Authorised Caller ID please? CS: Excuse me? Me: Your Authorised Caller ID so I can take you through security... CS: Er, I don't have that information Me: I'll send you an application form then, goodbye Sends an application form and explanation of procedure to the [email protected] address on their web-site. Get a reply back from a real person who gives their actual e-mail address. Next time they call the same conversation takes place but the 'real person' gets two e-mails. Next time it's 4,8,16,32...etc Have to admire their stamina - it was a couple of weeks before they got the message
  8. It's been suggested that I re-post in this area as it's more a general debt issue... In March 2005 a BT Directories sales rep. called and as a result we ordered an entry in the telephone directory. We pointed out that receipt of proofs in sufficiently timely manner as to allow any required changes was fundamental and we would not go ahead without these. This was verbally agreed. The artwork was sent and a confirmation e-mail received stating proofs should be with us in 4-5 weeks. They never arrived despite much prompting. The order was cancelled by e-mailling the contact given to us by the sales rep. Before we could confirm cancellation in writing the directory arrived. The direct debit was cancelled by us. Numerous letters, telephone calls and e-mails were sent in response to demands for payment but we received the standard letter stating 20% discount was the final offer. It also turned out that we could never have cancelled anyway as the cancellation date was 6 weeks prior to us agreeing to go ahead. Seems to me this is a clear case of misrepresentation. Any thoughts/advice gratefully received
  9. Thanks to all for your prompt replies. I've checked all the suggested links and they contain useful information but the issue we have seems substantially different. A quick summary might help point us in the right direction: In March 2005 a BT Directories sales rep. called and as a result we ordered an entry in the telephone directory. We pointed out that receipt of proofs in sufficiently timely manner as to allow any required changes was fundamental and we would not go ahead without these. This was verbally agreed. The artwork was sent and a confirmation e-mail received stating proofs should be with us in 4-5 weeks. They never arrived despite much prompting. The order was cancelled by e-mailling the contact given to us by the sales rep. Before we could confirm cancellation in writing the directory arrived. The direct debit was cancelled. Numerous letters, telephone calls and e-mails were sent in response to demands for payment but we received the standard letter stating 20% discount was the final offer. It also turned out that we could never have cancelled anyway as the cancellation date was 6 weeks prior to us agreeing to go ahead. Seems to me this is a clear case of misrepresentation. It may be that this is not the correct forum for this sort of issue and if that is your belief any advise on where we should more properly go would be much appreciated. I posted here as researching Credit Solutions brought this site up regularly and thought that, even if this was not the right forum, our experiences might be of value to some of the other contributors.
  10. Hello all. Not sure if this is the right place for this so I'll ask the question before launching into a detailed account. Aaland is a small family business disputing a debt with BT Directories. We are not a rich business and can't afford to throw solicitors at this. Credit Solutions are now involved giving us grief on the telephone regularly. Is this something that would be of interest, possibly helpful, to members? Would you be prepared to advise us?
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