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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

troughmonster

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Everything posted by troughmonster

  1. troughmonster
    I wrote to Amex asking them to review my account for PPI on Amex blue card. I do not have any information or account details. Amex wrote back and said they cannot find any details, and unless I can confirm the card number, they will not review this further. The card was held in around 1997-99 I think. Is there anything I can do?
  2. troughmonster
    hi - thanks for your reply. the NatWest one is for a loan. Apologies for the outburst earlier.
  3. troughmonster
    Well, thanks all for your critique of my shortcomings when it comes to dealing with this. I didn't think this was a site for that, but wrong again! Wish I was as clever as some of you. If anyone actually wants to help: Cabot (originally Capital One) balance £260 Motormile Finance (Uncle Buck) £160 Motormile (MEM) £205 Motormile (Lending Stream £280 AIC (Natwest) £2000 Cabot (Smile loan £7,450 and smile card £613) Capquest (next) £620 Have two others subject to ccj all these debts are from 2007-2012
  4. troughmonster
    Hi I have old debts ranging from £11k to £200, around £30k total. All have been sold on to DCAs, some debts moved on 4 times. Even on £7k debts I only pay £1 to £5 per month and there is no pressure from any DCA to pay more. Most of these debts defaulted in 2006/7 and I am unsure whether to keep going basically forever with this or should I question the debts?
  5. troughmonster
    Hi I can confirm that is the details i've used for PDE Can anyone confirm the bank details of Liquid Advance or Speedy Dosh please?
  6. troughmonster
    Blimey! How often did they call? Was it at work or on mobile/home phone? p>
  7. troughmonster
    Thanks. Did it work?
  8. troughmonster
    Good news on the arrangement. Any chance of a summary of OFCOMS rules on contact? Thanks
  9. troughmonster
    will that enable them to glean my bank details? Maybe not I suppose, as they would already have account number etc anyway
  10. troughmonster
    what method of paying them back are you using?
  11. troughmonster
    HiI appreciate what you are saying, but the bank details to me are important - without that I cant make them a payment, as I'm not going to let them have card details. Some of the users here have those details - cant someone give them to me?Finally, should I expect harrassing calls at work? That is a worry for me....
  12. troughmonster
    Sorry - I'm not sitting on any fence. I've made formal complaints before about more than 1 payday lender, but in this case i havent even told PDE that there's a problem with repayment yet, therefore there's no complaint to make yet.I would like, if anyone can give it: a) the most useful contact/email address at PDE, and b) PDE's bank detailsMaybe i didnt make myself clear enough in earlier posts?
  13. troughmonster
    Thanks Sillygirl - I dont need to complain to third parties YET - i'm just really interested in who is best to contact, and to get their bank details so I can start making payments to them manually. I've been through this type of thing with others such as CFO, Wonga etc, but before I 'start the ball rolling' with PDE I would like to be fore-armed!
  14. troughmonster
    Hi I have a problem with PDE - i have an o/s loan that i cant pay back other than to ask for an installment plan - can i get some advice (by PM if preferred) about how best to approach it and also to get their bank details so I can start making payments on my terms by standing order? I have sorted out 5 other payday loan co's in the past, but PDE seem the most daunting from what i've read
  15. troughmonster
    Hi I had real trouble with Capital Finance One, so I raised a formal complaint with the BCCA (British cheque cashers association) who got involved, and pretty quickly CFO agreed to a repayment plan
  16. troughmonster
    HiCan you tell me what part of the law says that they can only claim the original loan and the original interest?I am dealing with three payday loan company debts, and have been told by one of them that they have transferred the debt to Mackenzie Hall, so I'm bracing myself for them to get in touch.If I knew what to quote to these people, I can start fighting to remove the compounded interest and charges from my accounts.ThanksDM
  17. troughmonster
    Hi I am starting to get the treatment from RMA - I am compiling details of every call or letter from them so that I can make a omplaint. I have already setup a standing order to start paying my debt back, and have sent my I&E to them, but they still hassled me aggressively this morning. Can anyone help with with the name of a good person to complain to within Barclaycard/RMA? Thanks
  18. troughmonster
    Hi Robjam I have a very similar situation brewing with UB - can I PM you for some advice?
  19. troughmonster
    Hi Nish Did you get anyhere with this? I am heading into a similar situation with UB as I cant pay them..
  20. troughmonster
    This whole thing is getting very frustrating - how can it be that no one knows when the decision will be handed down - I cant find any information anywhere, and the great Martin Lewis seems to be quiet Does anyone know what is happening?
  21. troughmonster
    OK Thanks Did they also send you a default notice after saying they wouldnt/couldnt enforce the alleged debt? They have sent a default notice to my wife, but given that it was after we got the letter saying they cant enforce it, we have ignored it
  22. troughmonster
    Hi further to my previous posts about whether Egg would pay my mis-sold PPI back to me, or whether they would offset against my o/s debt, they actually paid me around £560 in the form of a cheque, so there is hope for everyone!
  23. troughmonster
    Hello again, Littlewoods (Shop Direct) have confirmed that they have no agreement, and they will not be trying to enforce any debt. The have said that they will be recording information about the accoutn with credit reference agencies, and have sent a default notice for the account in another letter. What is the best way to respond? I was going to write back stating that I do not acknowledge the debt, and insist that they remove any notes on any credit reference files, but what is best way to do it?
  24. troughmonster
    Thanks for all of the advice - you've been a great help:)
  25. troughmonster
    Hi Thanks for the advice. We dont want to go to CCCS, as she is managing her repayments to her two other creditors, but there just isnt money to pay Lwds at the amount they want each month What is the best way to proceed?

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