Jump to content

martin4963

Registered Users

Change your profile picture
  • Posts

    55
  • Joined

  • Last visited

Everything posted by martin4963

  1. Thanks Guys, Not reallty the answer to the question I asked ...... Due to work, both myself and my wife are unable to get to the bank or post office during opening times, in addition there is also the additional cost of purchasing the postal order, when there is no justifiable reason for the company to withold their banking details in favour of an archaic and inconvenient payment method. Having given it some thought, we are holding fire for now to see what response we get from DeAgostini, and then if neccessary make an online payment to CCS Collect for the original amount of £11.96 and dispute the remainder since: 1). DeAgnostini have not provided the information we have requested and are therefore deliberatley making it difficult to pay them 2). CCS Collect are not allowed to make additional charges in the manner they have done ( I may be corrected on this).
  2. Hi, My wife had a magazine subscription with De Agostini untli August last year, when she cancelled. They subsequently sent her an invoice for £11.96 (which is what she actually owed). They only accept payment by cheque (which my wife neither uses or possesses) or via debit/credit card. No way is she prepared to give them her card details as there is a suggestion on their invoices and reminders that they will continue with her subscription. She has contacted them several times for their bank details in order to make an online payment. Each and every time they have refused and re stated their only 2 payment options. Just before Christmas she received a final reminder giving her 7 days to pay or they will add an admin charge of £5.00 and forward her name to their debt collection agency. I subsequently wrote to them about the matter and again requested their details in order to pay online. In the meantime we have received a "threat o gram" from CCS Collect for £20.46, who have given their bank details for online payment. As a result the account is now in dispute, does she dispute the entire amount or pay the original amount to CCS and then dispute the difference ? Just wondering what the best way to proceed is Thanks in Advance
  3. Hi Martin2006. My take is the sames as yours on how next to proceed There is no time frame on my benefits, however I am expecting to return to full time work around September next year. Given their positive response (albeit almost 4 weeks later), my thoughts are the same as yours as to re-instating my original offer of £50 per month. I don't see the point in being difficult or arsey about it in these circumstances, nor would I be doing myself any favours if I did. Now if they were to be unco-operative (which is what I fully expected) then that would be a different matter. My thanks to both yourself and renegadeimp for your input and advise.
  4. Hi, just an update on the latest development. I have this morning received the following letter from vanquis in response to my original letter they received on 1st November in which I explained my current circumstances to them https://goo.gl/photos/x22ovUBC8iGuwp2P8 They have agreed to my requests, 4 weeks later, and personally I feel I should keep my part of the bargain (£50 per month). My subsequent letter basically tokd them that since they are not playing ball they can now have £1 per month. What are your thoughts ?
  5. Interim offer of reduced payment (until I'm fit enough to return to work) of £50 per month withdrawn and £1 per month token payment. Gone into my on-line e-vanquis account and changed my mobile number to the their own number (the one they use to bombard you with text messages wanting to know when and how much you are going to pay them) - idea being they'll be ringing themselves and not my mobile, they keep ringing my home number, but due to TrueCall device, they dont disturb me in the least and I can continue to monitor and log their calls with minimum fuss and hassle Credit file damage limitation excersize carried out - Capital One credit card succesfully applied for before they mark my credit file (no intention of using said card anyway) Each and every letter to them sent via recorded delivery. GAME SET AND MATCH .... LET THE FUN BEGIN !!
  6. Hi, Has anyone else had trouble getting the Halifax to respond or even acknowledge letters that you have sent them ? I owe £400 in arrears on a loan taken out a few years ago, Halifax have written to me offering to consolidate these arrears by way of increased contractual payments ( which is what I'm paying them anyway) and in return they will mark my credit file as up to date. They want me to ring them if I'm interested to discuss the matter. I don't discuss my financial affairs over the phone, I wrote to them agreeing to and accepting their offer.. .... No response whatsoever, zooch ! It is always the same carry on whenever I write to them . .....they just blank my written communication to the point on several occaision' I've had to lodge a formal complaint with them. Has anyone actually managed to get a written response or is it just me they ignore ? Ironically, they have sent me yet another letter identical to the original one they sent offering to consolidate my arrears
  7. Thanks fkofilee, I have had to do that on a number of occasions in the past, it's the only way I can get any response from them .... looks like I'll be doing it yet again
  8. Hi, Has anyone else had trouble getting the Halifax to respond or even acknowledge letters that you have sent them ? I owe £400 in arrears on a loan taken out a few years ago, Halifax have written to me offering to consolidate these arrears by way of increased contractual payments ( which is what I'm paying them anyway) and in return they will mark my credit file as up to date. They want me to ring them if I'm interested to discuss the matter. I don't discuss my financial affairs over the phone, I wrote to them agreeing to and accepting their offer.. .... No response whatsoever, zooch ! It is always the same carry on whenever I write to them . .....they just blank my written communication to the point on several occaision' I've had to lodge a formal complaint with them. Has anyone actually managed to get a written response or is it just me they ignore ?
  9. Thanks, I'll get on with that on Monday. I've had my account for almost 5 years with them. always paid on time, always kept within my credit limit, until my unforseen circumstances, which are only temporary. I don't want to fall out with them, but given the amount of money they've made out of me and the lack of response to my letter AND the amount of phone calls they are bombarding me with, I aint going to roll over and play dead. But if that's how they are going to treat me, then spectator sport it is !
  10. Hi, Need advice about Vanquis I have a credit card with them and was taken ill whilst at work back in June, resulting in medium/long term sick leave (approx 12-15 months). Until last month I was able to maintain my full monthly payments, but as my company sick pay has now run out I am now on ESA and unable to make my full payments. I wrote to them on 31/10/2016 (via recorded delivery) explaining my situation and enclosing a budget sheet. I made an offer of £50 per month until I returned to work and asked them to suspend interest and any other charges for the duration (contractual payments been around £180 per month).. Despite them receiving my letter on 1/11/2016, they have failed to respond, other than the usual barage of phone calls (which are all blocked and logged). I never discuss my financial business over the phone, let alone divulge my personal details (whether for security purposes or not). What is my next step ? Thanks in advance.
  11. Thank you, I agree it is a piddling amount and a part of me says that "they're obviously in greater need of £12 than I am, so roll over play dead and let them keep it", but on the other hand, how many £100's and £1000's are they skanking off their customers simply because they do roll over and play dead ? The ombudsman it is !
  12. Hi, Just before I take this matter to the ombudsman, I`d appreciate the forum's take on the following: Very.co.uk have charged me a £12 default charge because I made a payment of £80.00 on 1st July for payment due date of 25th July and are classing it as an overpayment on the previous month, the due date being 27th June, citing their reasons been that my next statement hadn't been printed and was only generated on 5th July. I disagree and dispute the default charge in it's entirety. My point of view been that any ADDITIONAL payment I make AFTER the due date, should automatically be allocated to that months payment. This is the response I have received from their "Customer Excellence" department in Bolton, and further advise me that this is their final response to the matter
  13. ADVICE ON PAID TIME OFF TO ATTEND COURT I work as a bus driver and some months ago I was witness to an assault that took place on a passenger by another passenger whilst I was driving my bus. The offender has been charged and not pleaded guilty. I am now required to attend court to give evidence. Given that this incident took place on my employers vehicle whilst I was working my shift, does my employer have to give me paid time off work to attend court ?
  14. Thanx, Will get that formal complaint done this afternoon & sent recorded delivery !
  15. :mad2:Hi, Just a bit of guidance would be appreciated in dealing with HBOS and their apparent policy of ignoring letters. I have a secured loan with them, which went into arrears way back in 2008. I came to an arrangement with them to pay back those arrears on a monthly basis. HBOS have been sending letters telling me that my account is in arrears and that I need to contact them urgently in order to arrange to pay those arrears (even though they know full well that I already have a repayment arrangement with them which is up to date) - they make no mention whatsoever that that arrangement is up for review. The scenario is as thus: 1). I write to them (recorded delivery) pointing out that if they check their records they will see that I already have a repayment plan in place. 2). They write back telling me that I have failed to contact them as per their previous correspondence. 3). I write back (recorded delivery)referring to my previous correspondence (1). 4). They write back still insisting that I have failed to contact them. 5). I send a further letter to them (recorded delivery) referring to my two previous letters (1. and 3.) And so the whole scenario continues like an unscripted Ealing comedy. Why the hell they cannot just write advising me that my repayment plan is due for review is any ones guess. The whole carry on is becoming very frustrating, time consuming and very costly for me. Has anyone any advice on how to effectively deal with these incongenital idiots ? Many thanks, Martin
  16. Hi, Having a right old battle with my basic account. Due to errors on their system, my available balance showed me to have have sufficient funds in my account to allow me withdraw £20 from a local ATM. This resulted in my account becoming overdrawn as a result of a couple of transactions that were "floating in the system" that I had not been aware of. As a result, they levied charges for processing these transactions, which caused by account to become overdrawn and on top of that made rolling charges for "unauthorised overdraft", and those rolling charges are continuing to roll (making an intial overdrawn balance of £8.00 into something now approaching £200). I have written to them and got a derisery offer of a £30 refund (which I refused). I have sent them a more formal "account is dispute" letter & "do not admit or acknowledge any debt" letters. I have referred the matter to the ombudsman who sadly, cannot agree to uphold my complaint. Not sure how to next proceed, given that this is a "basic" bank account for which overdraft facilities are (supposedly) not available. Advice please.
  17. Thanks rebel11, Unfortunately your link doesn`t answer my question
  18. HI ! I recently bought 2 matching items in a sale & when I got home, found that 1 of the items was defective. The retailer has agreed to exchange the defective item, but now wants to charge the full selling price of the item. Is he entitled to do this or am I entitled to an exchange at the original price I paid ? Many thanks, Martin
  19. No, don`t think it was online, do believe it was a written application
  20. Hi, just a quicky ..... my wife took a vanquis card out in 2008, back end of last year she ran into financial difficulties. Been down the CAG route (cca request etc).... all they sent was a blank application form and a list of general terms and conditions which could apply to anything and everything. Does the CCA request still hold on this 2008 agreement ? (NO CCA = NO ENFORCEABLE DEBT) At the moment, we`re digging our heels in until they do provide the copy of the agreement.
  21. Thanks guys, CCA request typed up and will be in post later today ! ps sorry if I came over a little on the arrogant side, wasn`t my intention and only realised how I`d written my reply when it was too late..
  22. Thanks to all, I know you mean well, but we appear to be having different conversations on this matter. The question I asked was: If a creditor continues to ignore a debtors offer of payment, what would the appropriate way of "dealing with that creditor" ie, do you think it would be appropriate to pay the £590 as originally offered and then tell the creditor to bugger off, knowing that ultimately the courts would not have much sympathy with them in the event of a claim ?
  23. Thanks cerberusalert, All we require is other members views on what action should be taken when a creditor ignores and continues to ignore a debtors offer of payment. My own personal view would be the "official CAG route", eventually followed up by a cheque for £590 enclosed with a "now bugger off" letter.
×
×
  • Create New...