Thanks Bobby.

 

They were CCA'd in October last year and sent the usual rubbish. Then SAR'd them, specifying the CCA amongst other things. They didn't send it. I complained that they hadn't sent it- they ignored me then defaulted.

 

Just doing a complaint to the ICO now. Any other ideas?

can you help me?? im having a problem wit crap one but cant find the link to post my own thread, how do i find it? thanks

i am about to start against Capital one.

I will watch how you get on and good luck, im not far behind where you are at

Sounds good to me - Usual scare tactics then... I presume also, that they can't keep adding further fees, over and above the initial one - if they can't gain access etc..

Going to speak to council tomorrow in person at town hall and try to get this passed back to them, don't need this stress on my heart!

 

Mike

Believe it or not they do.

I had one encounter for £80 i had forgotten after moving i owed C TAX,

even though i was not in, they billed £45 every time they came out.

When i told them i would send it straight away, they said i couldn't and they needed to meet me first to sign papers, and on top another £45 i just posted a cheque, heard nothing since

Ok, further to my thread http://www.consumeractiongroup.co.uk/forum/bailiffs-sheriff-officers/182040-have-jacobs-breached-data.html

 

Regarding the leaving of documents to be found, returned and opened by a neighbour, and the notice of seizure of a signwritten works van and trailer...

 

The same bailiff attended tonight @ 18:45 hrs, and attempted to intimidate my OH (who was in the house on her own, with 2 children and a 9 month old baby) into opening the door to speak to him - I had already warned her not to do this.. He then started raising his voice, in order to attract attention from neighbours etc, but failed - anyway she shut the window on him in the end, and he left... Before leaving yet another letter wedged into the doorframe - not through the letterbox...

 

Letter is below:

 

 

So, can they do this?? The only goods they listed on their "inventory" on their prev (forst visit) was my works van and trailer - which were parked on the driveway. They have never set foot inside the house, and not even peered through the window, as we close the blinds due to the sun on the baby in the front room.

 

Really worried about this now...

 

 

Also, when I spoke by Tel to the Bailiff last week, I asked him to tell me which court he was certificated at, as Jacobs couldn't, or wouldn't tell me... He told me Cardiff (he does sound Welsh) BUT Cardiff have confirmed by Email, that they DO NOT hold certification for a Bailiff by that name (His name is quite unusual too)

 

Heeelllpp!

 

Incidentally - BOTH mine and my OH's Surnames are incorrect on the letters received to date, including this one - Does that have any effect?

 

 

Mike

A county court Sheriff is the only person allowed to force entry and seize goods to the power of. In england you pay for them heavily, in Scotland they are the norm for the courts.

They would have to gain a warrant, to which you would be advised of any further court app for one.

For the record. A bailiff gets paid a basic wage, a sheriff gets paid a commission on collection only.

What Jacobs will probably do is give the debt back for further Legal Action.

Is it by any chance a Council Tax bill?

i too live in Birkenhead, know Jacobs working practices very well.

BULLIES

Thanks... I sent the following email...

 

 

 

Hi,

 

I joined your services around beginning of December in the hope you could help me find a credit card which was guaranteed to me you could do after a slightly forceful call with one of your operatives.

 

I was told on this call I would receive my money back if you could not do this. I am writing to your to request the money in deposited with immediate effect.

 

The past two sets of details which have been sent are for service which are NOT even 'CREDIT' cards! One being for a provident personal load (put onto a pre paid card) and the last one for a actually pre paid card. yes the final one may be a visa card but supplies not credit facility what so ever.

 

I paid £50 using my card, my details are as follows;

 

Customer ID is NOT listed on my documents as you have requested.

My DOB is 0!/0?/19?!

Kane Thomson

14 ?!?!?!?! Road

Leicester

L?! ?!N

 

If this cannot be done I would like a full explanation as to why not and also a copy of the call which was recorded and any terms and conditions(which were not sent out) so I can obtain legal advise at my local council Leicester Trading Standard.

 

Kane Thomson

 

Please note, I wish all communications to be via e-mail so I have written confirmation. Thanks

 

 

to -

[email protected]

 

I also sent the email to -

[email protected]

three times but i got the reply from the James one.

 

I got the following reply from him;

 

Dear Mr Thomson,

 

Your email

was

forwarded to us from our Managing Director in order for us to issue you with a full refund.

 

It is regrettable if you feel in any way dissatisfied with any aspect of our service to date. We have today refunded your fee in full by cheque, which should arrive in the post within the next 5 working days.

 

Please note that due to system problems we are unable to refund you back to your card, which was used to make the payment to us.

 

If there are any issues regarding your refund or if you require any further assistance, please contact us directly by replying to this email and we will be happy to resolve your query.

 

Yours Sincerely,

 

Refund Department.

 

 

And then... surprisingly I got the following email from the PA!!

 

 

 

 

Thank you for your email about dealings that you have had with our company. I have asked our customer services department to investigate the circumstances of your case and we may contact you in the future to get further information from you on this matter.

 

I am sorry that you are not happy with the service that you have received and whilst the investigation is ongoing I

have asked our Customer Services Manager to issue a refund of the service fee which you paid previously. I believe that it will be with you within 5 working days.

 

 

 

 

 

 

 

 

Laura Reddick

 

PA to James Benamor

 

 

 

 

 

 

 

 

Good news, whatever you do, dont delete the emails by mistake. Move them to your drafts folder, for future use if needed. Well Done

I had a problem similar when i went on holiday. Tons of PPV items ordered, they even set up a DD for the Adult Channel.

And guess what? i dont connect my box to the telephone line, when it was fitted, i disconnected it, so the kids didn't run up bills on playjam.

Sky, even without a phoneline can still pee around with Signals to the box if the Card is in it.

They manually changed a frequency for me when i had trouble in bad weather viewing, they boosted the signal from their end. The chip on the card is same technology as a mobile phone sim.

Look in you message inbox mate

Ring them now see what they say

Has nobody any advice? I am getting desperate.

Look in you message inbox mate

Sky cannot send out signals to your box to malfunction.

 

You can buy cheap replacement boxes for about £5. (if that is the problem) One of the most causes of picture freezing is lack of ventilation around and under the box. If you box is on a flat surface then try putting couple of wee things underneath (like bottle tops) so air can flow under the box.

 

 

Ida x

I hate to differ with you, but Sky CAN send out signals to the box to upset viewing. They do it the same way as they upgrade your packages and switch on PPV events.

What the OP is saying is that when he takes the card out it is fine. Sky have scrambled the chip. The reason it is ok when it is put back in is because once you break the cycle i.e. take the card out, the system details go back into the cycle and eventually checks again to see if you are watching, hence why its ok at first when he puts the card back in.

Up until 2 years ago, my brother used to watch PPV movies and not pay for a couple of months, as he would watch the movie, then unplug the box, and Sky couldn't read the chip on the viewing Card, he only ever watched programmes he wanted then unplug again, some films he never paid for at all. Its a numbers game, just guessing when the system checks the chip on the viewing card again

signed

As horrid as it sounds, the council tax is the only debt you can be actually jailed for.

Taking all your money sounds out of order, but they seem to not care and also seem to be able to do what they want.

I'm not so sure you can challenge the amount.

Once with my council tax i missed 2 months because of money issues and they said they would summons me.

I rang and complained saying it was a yearly bill from April 1st to 31st march yearly and i cant see what the problem is if it is paid before the end date each year, they said it is classed as loan i have to pay without missing a payment.

So i asked if i paid it all on April 1st would i get a rebate lol, they said NO, but they would be willing to take it in advance, but not willing to let you pay what you want each month as long as it finishes within the timescale.......rip off britain

Wow! Thanks alot, I havent told them about me moving.I know its only £50 but 50 is still alot i guess!

 

Thanks for the email addy... makes you wonder about a company when their email ends in @aol.co.uk!!! haha

 

Im just going to send the email loads of time...

 

Thanks again!

i was thinking that about the email.

And £50 is £50, if they do it to everyone, imagine how much they are making fraudulently

good I idea! on the documents it doesnt have a email address :-S

 

I was going to try and email it as I leave the country in two months so just trying to speed things up.

 

I have also stated in the email that if the money is not deposited with immediate effect, I would like a copy of the call sent to me. am i entitle to that?

One thing you can guarantee, they say they record conversations, but when you ask for it, they will say they dont record all of them an yours was not one that was recorded. They wont even notate an account to the effect that you called.

If you say you are leaving the country in 2 months, thats music to their ears as they will purposely have a reason to drag it on.

There is a saying, "the cog that makes the most noise, gets the oil first.

Bombard them with letters. Ill ring them now and get an email address for you lol. Ill pretend im an interested customer see if it works.

ok here goes

[email protected]

hahahaha got it off the bozo who answered the phone

hope it helps

Just send loads at once, then repeat it every day. Thats what i do lol

these are still my concerns:

 

could they pass the debt onto a third party to recover it - i.e. should i be worried about a knock at the door from a private debt collection agency? or is their only course of action to take me to court?

 

is it common for halifax to take people to court? and if they do take me to court, what is the usual time-scale for this procedure? and what is the worst that can happen?

Firstly, by thinking about it, maybe you should write to the company involved and oficially dispute the debt. This at least will get you more time to get some good info from people on this site, they are brilliant here.

For a reason to dispute it, you dispute unlawful charges and the validity of the claim. That may buy some time at least, i may be wrong in this, but this is a pattern i have followed and its worked so far.

Secondly refer to the owed amount as " the alledged debt", never sound like you acknowledge the whole amount.

They shouldn't really involve a 3rd party if it is disputed, but they normally do, so if a DCA writes to you, write back about the "disputed alledged debt" and tell them you will not tolerate anybody coming to your house uninvited, and you will seek legal advice if this warning is not heeded.

Lastly The DCA wont go to court, it's scare mongering. They are more scared of the courts than us, as their dodgy practices come to the forefront if they take any legal action.

Just look at UK28s case for how dodgy a DCA can be.

thanks guys gonna ask him if he is planning on moving.

 

Update

 

Just spolen 2 him and he asked if its were he will find the muppets. He also said he has no moving plans.

It's a pleasure to be of assistance

The only email address they have is on thier documentation as they say on their website.

If you have the time to write an email, my suggestion is to type a letter out and print it out. If you have no printer, ask a local Printers if you can email it to them and they print it off, will not cost the earth, then record deliver it.

And yes you can demand it back, but if they dont send it, you would spend the earth recovering it through legal channels, they know this of course.

My missus years ago sent £50 to Tenant Loans, never got the details of a genuine lender in her position, asked for the money back, never got it, that was 4 years ago

B.R.Properties, it is.

 

BR Properties

When he said "the kermit" i thought he was subtely trying to say he was a muppet

Ebuyer are a bit like ebay, but they charge you a weekly fee for being a member. They are very easy to scare off.

I joined them, they ask for card details as a security for payment on anything you buy through the site. What they dont make clear is you end up paying about £1.99 a week subscription, i cancelled mine with the bank as i did not realise at the time you pay them, and i got a few emails asking for payment.

I fired 2 emails back telling them i do not agree to pay for their services. That was it.

Advice is to email ebuyer tell em to get lost, thats it , any threats just repeat the process, a few times and they will dissappear

Secondly, Westcot WONT take you to court, they pass accounts on to Robinson Way, another Shyster company, just ignore them and do as advised earlier by people in the thread

I rang it for you.

The guy on the phone said it was B R Properties, based in The Kermit, West Cumbria.

Sounds funny.

Hi all, well its been quiet for a while her, but over the last week it's been pretty fun.

Ok well firstly, i got a call from the Idiot Corporation at work, the lady called Lyndsey was very rude, and would not let me speak.

When she had finished waffling on about catching up payments bla bla bla, i started to inform her that the loan was deemed unenforcable by my solicitor.

To this she stated my solicitor was useless and knew nothing about finance law and it was enforcable and i had to pay up..... i said no.

I thought she had hung up, but she must have put it on silent, cos when i put the works phone down, and 5 mins later tried to dial out, she was still there saying "i wont be hanging up till you make a payment", so after i asked was she working continuously for the next 18 hrs, i put it down, picked up STILL THERE.

Anyway this went on for 45 mins till i rang my solicitor on my mobile.

When he answered i picked the works phone up and held it to my mobile, and my solicitor got a mouthful, needless the lovely lady from TFC quickly hung up when i told her who she had spoke to.

2 days later, at 8 oclock just as corrie ended, theres a knock at the door, opened it, and a man from EXCEL COUNSELLING SERVICES was there, sent by..... The Muppet Corporation.

In fairness he was ok, independent to them, and after i told him the case, he went said he would not call again even if asked, he was a nice guy, and no kick offs.

Well i since found out, that my case has now got advanced funding, and Barristers are now pouring over it to start legal proceedings.

I have reported them to ofcom about contacting my work, and i have made my statement to my solicitor, so ill let you know how i get on. Talk soon peeps.

P.S. Stitch im pm ing you

Hi Guys, Hi Dazzle.

I have posted a bit on here regarding the Funding Corporation as im in the middle of a battle with them, its with a barrister at Stephensons now.

Firstly Dazzle, Send a registered(not recorded) letter with the request that you want to change the payment date, and on your next payment pay it on the date you want to(28th in your case).

From what i believe is within legal boundaries, you can request to move any payment 14 days either way of an agreement.

I will pm you with Stephensons tel number and a contact name, send a copy of your original agreement to them, its possible it is unenforcable in some way anyway.

I have a loan agreement with The Funding Crap, and i have now stopped paying, 4 months ago, as it is now deemed unenforcable, and like i said, it is with Barristers being prepared for court.

It is well known on a lot of sites, The Funding Crap will try their best to keep collecting payments and charges even when the solicitor has it, but once they know they have lost, you could find you have a bike and a void agreement.

Give them a call at the number i send you and good luck.

Oh and i too requested a change of payment date, they said no, i changed mine myself, and after 2 months, they contacted me saying, in light of my situation, as a goodwill gesture they would change it, was a bit late i did it myself lol.

Hi Poppay, i dont know wether this is any help but i had a battle with Incasso regarding a balance on an unpaid loan with RBS 4 years ago.

Firstly, do you have kept of the letters saying they will not accept the amount you offered?

It looks like court is the best bet, but if you have any correspondence in relation to what you offered you are in a strongish position.

Gather your other bill payments and your income wage slips and submit them as evidence. Also submit the letters you have turning down your offer of payment, use them as further evidence as proof you have not refused to pay.

The job of a court is not just to determine if you owe the money but also if you can AFFORD to pay the money in your current situation.

Make it clear that you offered MORE than you could actually afford to pay (thats where the proof of your other bills come in) but you have been met with no compassion whatsoever to the situation you were in.

Make it clear you have never said you wont pay (thats where your letters come in). Lastly make up a sheet for the court of all your outgoings, include everything as the less you have spare the better.

If you have offered what you have said (the same as the other bills you have), Incasso will be made to explain why the sums were rejected, and i cant see a judge thinking you have been unreasonable.

The court will determine what you can afford ( a few people i know paid less than what they originally offered), and in your case i think you will get more sympathy than Incasso will.

Also if the ruling is more in your favour, ask the Judge if he would consider not awarding the Costs, as you believe the matter should have been resolved without Court Action. If costs are not awarded, it will have been very costly to the claimant lol. One instance i know of was the whole amount got written off due to the claimant being inconsiderate and refusing payment, but please dont think im saying yours will, im using it as an example. Good Luck

Im dealing with these muppets at reliable collections for the missus.

We have a JD Williams account, and we bought a Vax Carpet Cleaner at a cost of £150. Just before that we bought a Mobile Phone for £80.

We got the cleaner after we had paid in full the balance of the phone, but as soon as we used the cleaner it broke, within a few days the phones screen petered out and would not work.

We sent the cleaner back, which left a balance of £4, and asked them to arrange a collection of the phone and then a credit would leave us being owed £76.

The account now stands at 396.76?????????????????????????????????????????? HOW.

Every time we try to sort it out, WE get fobbed off, and they have tried to say we never sent goods back (sent vax not phone). Can anyone suggest what we can do? we also signed nothing, when my missus got the Catalogue, she phoned the order through. Thanks in Advance

Well you mention the fact about recording telehphone calls, i had a rather heated conversattion with one of the donkeys up at TFC a few weeks ago, with regard to a missed payment, i asked if i could speak to someone higher up than customer complaints, i did ask for the elusive Nick Cherry, but was told he wasn't available, i asked again, and was rudely told he was not able to come to the telephone. They informed me at the start of the call that calls may be monitered for training etc etc. I also said i was going to record the call there on in, and i was shouted...yes shouted at by the obnoxious little so and so, that the call will be ended if i say i was not going to record the call, i held on for a few moments, went to the toilet and let the guy hang on for some time, i went back and said i have a legal right to record calls if i choose, so long as i informed him, and on that he hung up the phone!

 

Now i was mis-sold a car, PPI and everything else to boot with connection to TFC and Carcraft. Fees upon fees upon fees, i have had a useless car which broke down within 12 months, which cost me £1400 to repair even though i had warranty on it. I have PPI (at a cost of £42 per month) on it which i am currently seeking as i have just been made redundant. And to put the cherry on the cake, i was involved in an RTA a few weeks ago, they may fix the car, they may write it off, leaving me with no car and a credit agreement to pay of over £10,000! I sincerely hope the credit crunch hits TFC really hard, as they have hit me harder!!

Someone else who has tried to contact Mr Nick (one day ill manage to pop my) Cherry.

I had the misfortune of talking to him, and if you think the staff are rude (which they are) he takes the biscuit. Arrogant little so and so, well ive finally got my Legal Aid in place, and the Case report has been sent to TFC, they have not replied, but more important, i have not paid them a penny for 4 months now and had no word of contact from them lololol.

Something tells me TFC are now knowing what people power does.

I have been told, not only will my £14000 get wiped clean and legal costs covered but also, through non compliance on TFCs part, my legals are claiming the £5500 ive already paid too.

OH HAPPY DAYSSSSSSSSSSSSSSSSSSSSSSSSSSSS.

Hi

Are you still having problems? I used to work for TFC and I may be able to help you.

Hi Ted sorry to sound a bit blunt, but if you USED to work for TFC why have you only just registered here? it is known TFC come on these pages.

Evo, i can sympathise with you but what has been said on this thread is true im afraid.

The TFC say the car is only worth £800, but that is to them, a private sale would get what would be nearer the true value, but obviously you cant sell it cos of the finance etc.

Wether this will work i dont know, but give the paperwork to a debt solicitor, i know a very good one if you email me ill give you their details, if anything happens to be wrong with the paperwork, you can dispute it, and once these solicitors get hold of the case, you can stop paying them altogether (ill add that it may not happen so pay till told otherwise, i am currently in that situation, i have not paid my agreement for 4 months now, and as papers have been filed they cannot contact me and cannot take action).

I hate these muppets at TFC, I am so close to wiping the smile off their faces i cannot wait, just for the record i owe £15000 and they are being sued to write off the debt and for the £5500 ive already paid, happy days