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jonni2bad

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jonni2bad last won the day on August 27 2006

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About jonni2bad

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  1. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. This topic was closed on 08 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  5. This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  6. This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  7. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  8. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  9. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  10. In 2006, two people got chatting over an archaic web 'bulletin board' and found that they both had a particular dislike of the banking system, and the way in which it imposed charges against the very people who were funding it. They decided that it might be time to plant a little acorn... I'm no longer a regular visitor to the site, so it was - in passing - my first view on membership levels for quite a while. I don't know when, precisely, it happened - but there are now more than 1/3 million registered members. That's one almighty effin oak tree. Just thought it was worth a mention - and hope it hasn't already been talked to death elsewhere...
  11. Very sad news - a truly decent man who helped untold people to find their voice in the most difficult of times. Glad that I had the chance to work alongside him. Farewell friend. J2b
  12. The OFT do not deal with individual complaints. They DO deal with complaints from registered bodies (these are called Super Complaints) and they will also receive complaints from Advice Agencies etc.
  13. You can certainly choose not to talk to them on the phone and if you haven't already done so, make it clear to them, in writing, that you do not wish to discuss any aspect of the supposed debt with them on the phone. Have you requested details of your credit files from all THREE credit reference agencies? If not, then just because it doesn't show on one, it doesn't necessarily follow that it won't be showing on another. I would advise doing this sooner rather than later. What you need to establish is whether or not the debt they refer to is indeed yours - if it isn't then your actions must be very different to the situation where you are sure it is your debt. Presuming that this is a debt you recognise, your next steps will be to clarify that they have provided all the necessary documents relating to your CCA request and also to a full statement of account. In this manner, you will hopefully be able to identify if the agreement they have is valid in terms of the requirements of the Consumer Credit Act and if they have applied charges to your account which may be challenged by a separate process. I would advise you to draw up a plan of action and follow individual parts of that to establish your position. Purely for example purposes.... A. Write to them demanding that they cease telephone calls B. Decide if they have provided the full details you requested - if not, write again and highlight their failings, demanding the items you need. C. Sift through the statements you have / they supply and mark all payments which have been added to your account (i.e. default / late fees etc etc) and so on... Give yourself a course of action to follow.
  14. You have a new PM - we might be able to get some publicity from these (ahh, I might as well edit my own words!!!) as it ties in with a similar rogue element who call themselves solicitors. Good luck.
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