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

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

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

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

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

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

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

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

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

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...

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

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.

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.

You just can't find a decent backbone in that company anymore...

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.

Copes have admitted the error to me (or should I say 'my representative') and sent an apology. I wonder if they would have been so quick to apologise to those not being represented... hmmmm

For reference, here is a copy of the letter they sent out (this one being to me). I have seen others and the only difference is the specifics of the person involved - name and address, claim number and debt value etc. COPES.pdf My complaint to the SRA was based upon there being multiple examples of this letter, rather than specifically about my own letter, so hopefully it will act to highlight the true nature of Cope's tactics. As the great Jim Royle would say, "Admin error my ****"

Well done. I highlighted the case to the SRA the other week and we have had a response by email and now letter, saying they are going to appoint one of their team to the case and investigate this. It may take up to 6 weeks though... However, the ball is rolling folks!

Hi - Some pointers for you from those in the know; Not producing the agreement and their arguments... If they wish to enforce the agreement then they should be able to provide it. It is unfair on the debtor for the court to merely accept it was signed and it was "ok" without seeing it. Also, there are the usual suspects such as data protection, money laundering and company laws. A sample of a recent Defence on this subject... The Claimant suggests that the Rankine case has merit here - as a reason for not needing to supply the original credit agreement. Professor Goode rebuts that suggestion on the case commentary... Are there any exceptions to having to provide proof of Default Notice? NO - NOT ONE! Are there any exceptions to having to provide proof of Assignment and/or proof of delivery ? NO - they need to show the debt was assigned correctly, this would be the deed and the notice in tandem. See below Is the Claimant entitled to bring a case in this country? Does the firm named as the owner of the debt have an OFT licence? Worth checking See the lead story here HETHERINGTON: Daughter in tears over debt threat

A brief history of events is as follows (at least I think it is!!!) Let me know if this is not correct... 8. Amended defence filed July 2008 9. No Default Notice or Assignment evidence provided - no proof of delivery provided. 10. Claimant replied to amended Defence July 2008 - post 3 11. Court Order March 2009 for stay - until 15 May 2009 - following submission of AQs 12. Claimant refused face-to-face meeting and insisted on telephone calls - Defendant rejected. 13. Claimant proposed Tomlin Order with reduced settlement figures - user rejected proposal 14. January 2009 - Defendant wrote to Claimant offering without prejudice £1000 F+F with conditions attached 15. Rejected 16. Recent amended Tomlin Order proposed by Claimant rejected by Defendant.

Beware - if she bangs her head on a wall, she gets ringing in her ears! 217,829

SHOCK HORROR - Bookie in Lebanese Loop scandal!!!

Welcome to The Consumer Forums. Perhaps you might wish to highlight some specific areas that you deal with, so that our members can understand your organisation better? Examples of the work you do, or perhaps the types of complaints that you help to resolve - and in what capacity you can help etc?

Have you tried switching it off and on again? Oh, no - that's for computers.. sorry.

I thought that 'whooosh' thing over your had was a frequent event?