Jump to content

 

BankFodder BankFodder

shanef1981

Registered Users

Change your profile picture
  • Content Count

    9
  • Joined

  • Last visited

Community Reputation

1 Neutral

About shanef1981

  • Rank
    Basic Account Holder
  1. Next question - what if I don't have any statements or remember any details with 3G? I should be able to get info out of them using my details at the address I was living at when I took the contract out I guess, but the contract was signed with Carphone Warehouse if my memory serves me right, so not sure which way to send my request... Why on earth would it take an organisation nearly 5 years to start chasing for this?
  2. Hey Bazooka, thanks for the tips... I can't remember where I got the Without Prejudice bit from, probably something they wrote to me once! Yes theya re referring to a mobile phone contract I had with 3 back in 2004, which they say defaulted in 2005. To my knowledge, I paid the bills in full - and after explaining that to Roxburghe they told me to prove it by providing bank statements. Now I bank electronically, and to get paper statements is £10 per statement, which can be rather expensive if I don't know what month(s) I settled it. So I decided to place the onus on them to prove I owed it - and this is what I am getting... Just not sure how to proceed.
  3. Hi DB, it got moved to a new thread http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/250417-roxburghe-via-hfo-demanding.html
  4. Hey peeps, Back at the end of December I got a letter from Roxburghe via HFO demanding £479. I e-mailed them an abridged CCA request to which they actually responded saying that it was noted and they would respond within 10 days. 6 weeks later and after hearing nothing I got a "72 hour notice" from these bandits to which i sent a further email (with all previous correspondence in copy) stating that they cannot chase something that is in dispute. Just this morning I get a letter from Graham White Solicitors threatening court action. Now having dealt with these shoddy outfits before I am assuming this is no real solicitor but Roxburghe acting under disguise yet again. I have had a default from HFO on my credit file since 2005, and until now have been quite happy to let it sit there to expire as I have had no need for further credit. Should I now send a written CCA request to them? I mean they did actually acknowloedge my request before so wonder if that is enforceable? What makes me REALLY LAUGH is that they have some kind of DCA of the year award! Here is the email chain I sent to Roxburghe (first email at the bottom): ---------------------------------------------------------------------- Good Evening Habib, Without Prejudice The below request was not fulfilled, and the 40 day legal timeframe in which you are obliged to provide this information has now passed. However, today I find myself 'issued' with a '72 hour notice'. I have records of my correspondence with yourselves in the form of these e-mails. Unless you either provide the evidentiary information I requested or cease and decist this line of enquiry I will have no option but to pursue legal channels of my own. As stated in my previous e-mail this account is in dispute, and threatening legal action towards me whilst the debt is in recognised dispute is in itself illegal. Please respond no later than 24 hours from now with some form of resolution. Kind Regards Shane F Subject: RE: Ref XXXXXXX / Dispute of Debt Date: Wed, 30 Dec 2009 12:38:42 +0000 From: hpazir@roxburghe.com To: shanef Dear Sir, I do thank you for mail dated 30-12-2009, the contents of which have been noted. We will give your mail the attention it deserves and would hope to respond within the next 10 days. Best and warmest regards, Habib Pazir Habib Pazir Administrator - Collections support Roxburghe (UK) Limited D: 01932 333800 T: 01932 333800 F: 01932 333839 E: hpazir@roxburghe.com W: www.roxburghe.com Please consider the environment before printing this e-mail. This e-mail and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this e-mail in error please notify the sender immediately and be advised that any use, dissemination, forwarding, printing, or copying of this email is strictly prohibited. This footer also confirms that this e-mail message has been scanned for the presence of computer viruses. Any views expressed in this message are those of the individual sender, except where the sender specifies and with authority, states them to be the views of Roxburghe (UK) Limited. Scanning of this message and addition of this footer is performed by SurfControl E-mail Filter software in conjunction with McAfee virus detection software Roxburghe (UK) Limited is a limited company registered in England & Wales; Registered Office: Kings Parade, Lower Coombe Street, Croydon, Surrey, CR0 1AA, numbered From: Shane F Sent: 30 December 2009 12:35 To: admin Subject: Ref XXXXXXXX / Dispute of Debt Dear Sir/Madam, Without Prejudice With regards to the above account, as stated recently in a telephone conversation with one of your team I do not acknowledge or recognise this debt. Please forward me at your earliest convenience any relevant information relating to this debt, including (but not limited to): Original signed contract Any bills/statements with charges detailed Please also include any other documentation you may have that is relevant. This will enable me to trace back through my accounts to see if indeed an amount is owed.Until you do this, the account will remain in dispute and you cannot take further action on recovery. I am sure you are aware that there was a recent article on BBC Watchdog about Hutchison 3G accounts being chased by unscrupulous DCA's when no amounts were outstanding - and I am sure that this is another one of those 'mis-understandings'. The onus is now on yourselves to prove that I owe this sum to yourselves Yours Sincerely Shane F
  5. Hey, Okay, I have several issues with Welcome (who doesn't these days??). Firstly, they re-scheduled my loan five times and after 6 years I still owe more than I borrowed (I borrowed £1,750 and owe ~£2,600 STILL). Each time they agreed to let me pay less they would re-schedule the loan, and it would show I owed more still each time they did it. What's the possibility that they charged me for PPI on every single re-schedule they did, effectively charging PPI on PPI etc...? Also, are any charges they make for re-scheduling enforceable? They charged nearly £200 on one occasion for this service. At the moment my account is with their Debt Recovery Agency unit, as I have it paid off through B&E. They froze all interest and I pay £44 per month off it. They sent me some rather sketchy statements when I asked for proof of what I owe, none of which I can properly decipher - and I'm a mathematician. I am tempted to send a SAR to them for the agreements, as I should have signed one for each re-schedule they did surely??? I did this only twice. My only worry about this is that if I start asking for all this information that they default the account and start chasing me directly (and more aggressively). I do not remember being told about PPI on any occasion - so I should be able to re-claim this surely? How do you go about that? Any further advice on dealing with these cowboys would be most appreciated... Shane
  6. Hi Folks, I was one of those silly people who took a load from Welcome Finance almost 6 years ago now - and still owe them more than I originally borrowed. However, every time they have agreed a new payment plan for me they have closed the account, created a new one and charged me a % of the balance as a fee for the privilege of doing this, all without telling me. As a result, my Experian file shows six entries from Welcome Finance for one loan. Five of them do show as settled, but it makes my credit report look very busy, which I'm sure has put lenders off in the past. Is there anything I can do about that? Thanks
  7. Hi Folks, In the last 6 months I have seen a default magically appear on my Experian file from these bandits - and from what I have read they are not too good to deal with. Thankfully they have not got my current address or phone number and the default has about 2 years to run on my file before it clears. Looking at all the horror stories I see on this forum alone I am tempted to just let it run it's course and disappear - I am in no immediate need for credit of any kind so believe this to be the least intrusive and stressful way of dealing with it. However, I am somewhat incensed that these bandits decided to suddenly muck up my credit profile over a debt which i'm relatively sure I settled back in 2005. Even if by some chance I do owe the money, I would be happy to settle it but not with these idiots who obviously don't seem to know what they are doing. Any advice peeps? Thanks
  8. Hi Folks, In the last 6 months I have seen a default magically appear on my Experian file from these bandits - and from what I have read they are not too good to deal with. Thankfully they have not got my current address or phone number and the default has about 2 years to run on my file before it clears. Looking at all the horror stories I see on this forum alone I am tempted to just let it run it's course and disappear - I am in no immediate need for credit of any kind so believe this to be the least intrusive and stressful way of dealing with it. However, I am somewhat incensed that these bandits decided to suddenly muck up my credit profile over a debt which i'm relatively sure I settled back in 2005. Even if by some chance I do owe the money, I would be happy to settle it but not with these idiots who obviously don't seem to know what they are doing. Any advice peeps? Thanks
  9. Hi Folks, In the last 6 months I have seen a default magically appear on my Experian file from these bandits - and from what I have read they are not too good to deal with. Thankfully they have not got my current address or phone number and the default has about 2 years to run on my file before it clears. Looking at all the horror stories I see on this forum alone I am tempted to just let it run it's course and disappear - I am in no immediate need for credit of any kind so believe this to be the least intrusive and stressful way of dealing with it. However, I am somewhat incensed that these bandits decided to suddenly muck up my credit profile over a debt which i'm relatively sure I settled back in 2005. Even if by some chance I do owe the money, I would be happy to settle it but not with these idiots who obviously don't seem to know what they are doing. Any advice peeps? Thanks
×
×
  • Create New...