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zodiac78

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About zodiac78

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  1. I am trying to help my sister in law with her fianances since her husband died in June. Trying to tread carefully because she is in a very vunrable state. She has an Equity Loan with HFC and her payments are £600+ a month. Now she tells me that they did go to the omnibus when her husband was first diagnosed with rapid MS in 2008 but there was no PPI on the loan. She has been paying the above amount each month out of savings even though her husband became incapable of dealing with finances late 2008. I actually got to see the credit agreement and having dealt with welcolme finance the credit ag
  2. Can someone pm me the SAR that I need to send to CSA since they refuse to listen to phone requests. Having the same problem as most on here where they just pluck figures out of thin air and think we will sit back and just pay it. It's amazing how 3yrs ago when started dealing with them they didn't recieve the wage slips I sent on behalf of my partner and yet now 3yrs later they suddenly know what his salary is and where he works and send out a work order to his employer !!!!!!!!!!!! And to boot they say he owes £9,000+ arrears. Me thinks they need their calculator calibrating or pur
  3. The viewing card was on a piece of carboard and only had instructions how to insert it and activate it. Which the engineer did when he fitted the box. There were no t&c with it at all and certainly no contract which I had to sign and send back. So therefore I would say the original 2001 and one and only contract is the lawful contract. This aside it just annoys me so much how Sky have such a monopoly and the billions the company earn their customer service and communication is (french word here ).Besides the multi room I haven't had any communiction from them since 2003. I am glad I
  4. Great to see you got sorted out so easily ErikaPNP. Nice to see you again postggi hows the knees? Perhaps you can answer a question for me Postggi. I have had sky since 2001 only in the main room. 2 years ago my son wanted sky in his room. I relented and phoned sky they sent an engineer put in a box for him. We did have a telephone line to it but not trusting my kids to rack up a bill with the interactive services I removed it. I noticed last month that since March i have been charged £104.00 instead of usual payment to them of £62.25. I rang them to ask why and was told my sky boxes
  5. Thanks for your reply. Trouble is they know I run internet business and yes I am a fool. I lock the door now in the day cos her hubby just walks straight in he don't even knock. We have always got on with them but they are known to be one of the "hardo" families of the street if you get my drift so reporting them to police is the last resort because we know they will make life hell but it's looking more like will have to bit the bullet and report them.
  6. My problem or rather my son's problem is a little different to most. He had some goods from a catalogue 5 years ago from one of my friends in the street. He had his little booklet which was marked each time he paid and the agent kept it. The agent now has real financial troubles and in May another neighbour brought across a letter addressed to my son from an address we have never lived at (we moved houses in the same street 5yrs ago). It was from a catalogue company saying he owed £900+ and he had defaulted and it was to be paid immediatly. Obviously my son rang the number given and
  7. hoping you see this thread postggj wanted to pm you but your box is full. Getting to court stage with welcome now will post all the details for everyone to see when this sorry saga is finally over.
  8. forgot to say Rossendales have been the better party in all of this, it's the council that seem to keep putting stumbling blocks in our way
  9. Council sent paper work for subject access request finally. They have sent a tenancy agreement has no pen writting on it or signature, not even the address of rented property. So this is not the original there is still no break down of how they got to sum of £9582.87 just an invoice saying Cost of work £7091.86 Admin £1063.78 ( worked out this 15%) Vat £1427.24 ( worked out this 17.5%) ANY help with this admin business would be appreciated personally think that is rip off I am compiling a letter to get them to comply with subject access request and break this down further bec
  10. bogeyed try starting a new post in the debt section under debt collection industry see if someone can help you in there about the debt collectors. I am getting legal advice on friday about welcome to the cost of £100.00 so i will let you know what is said re secret commissions etc good luck
  11. just found two more threads on commissions for you BBC NEWS | Business | Court lets woman off £8,000 loan Insurance broker remuneration: law and regulation | OUT-LAW.COM by Pinsent Masons LLP hope you are looking on the debt part of this site and finding usefull information
  12. hi fulhamjim don't know about stopping payments or putting account into dispute i am sure someone will come along and advise u on this but the SAR for welcome is on another thread "welcome----need help" it's number 28 i am sure post won't mind me telling you where it is because it's his special one for welcome.
  13. Hi bogeyed hope u and son are ok haven't heard anything from you. I haven't heard anything from OFT , no suprises there. I am totally confused of how we have hit the jackpot with the secret commision because case files i read the debt did not get wiped out just the commision paid back I got so many things i can throw the book at welcome about but don't know which one is the best avenue. I hope you are nearer a solution
  14. hi bogeyed just me again i found this link for u on the subject of commission http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/170647-secret-commisions.html
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