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theshuffler

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About theshuffler

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  1. So does the order last forever ? I can't figure out why they claim a payment made when its no benefit to them , unless they want to clear it for him lol . The ccj was got on dodgy ground but it was too late to fight as he was given no prior warning to the case and to late telling me about it , I think he could of won the case as it was a dual agreement where he had signed on the PPI bit stating he didn't wish to buy any , and hadn't signed the loan agreement section , they knew this and didn't try collect repayments for first 3 months until he phoned them
  2. No payments made at all they have an order on his property
  3. Sorry just a bit more info there is a ccj which was obtained July 2009
  4. Hi guys , been a while since I have posted . My son got into a spot of bother with welcome near 6 years ago , with the debt about to become statute barred in the next few months . He received a statement from them today alleging a payment to them which he did not make . I know they are trying to stop the debt falling of his file . How does he go about tackling this ?
  5. Hi anyone else recieve a letter from virgin about changing billing dates? below is the text from the letter . they now want me to pay in advance for my services and according to their website it doesnt give me the right to opt out of the contract without paying fees . Anyone with any thoughts ? I cant really get my head around it , and they say they are doing it because some of their customers are confused, I think lots are going to get confused. We wanted to let you know about some important changes were making to the way your billed .Please tak
  6. Thanks dx I dont intend paying them , its not in my nature to pay DCAs, if it needs paying I go straight to the ringmaster bypassing the clowns. . I dont even believe I owe it , my boss and I had an arrangement ( wink wink) but we got rumbled , he told me to register for self assesment in a fairly rapid manner ,About 2 weeks later he was told that I couldnt be classed as self employed and that he as the employer was responsible for deducting tax from wages. However they still want tax returns for that year even though the amount due was calculated by them and paid by ch
  7. I have recieved a letter from the above regarding a late filing charge for 2009 which was originally £100 and has since doubled . The amount they are asking is actually less than the last statement I had from HMRC not by much but the figures are not the same. They list the usual threats advising legal proceedings , with the threat of a Distraint officer ? thrown in . I do enjoy a battle with a DCA but Im not sure I have enough ammo to go into battle. I live in N. Ireland so sometimes the laws/ rules vary . The letter says that this is a crown debt and therefo
  8. Funds now back in account . Now to negoiate a repayment plan . I raised a complaint with their complaints department , however their reply failed to address any of the questions I raised. I asked them how relevant to the customer charter their actions were, in respect of fairness , reasonable and a responsible mannner . Obviously they dont want to answer that one
  9. Thanks dx , I have put him on to that . Am I right in assuming that he can place an account in dispute because of unfair terms?
  10. Dx the bank insist that there was no CPA set up and the money was debited from his card , which has now been cancelled . Anyone else think its strange that they offered him a lolipop in the shape of £40 . Hardly the actions of a company who believe they are right.
  11. Cheers have sent them an email , just to get into some sort of negotiations , funny thing was my son phoned them after they took £150 and they offered him 40 quid back which he declined , the next day they ttook another 100 and if they had of given him the 40 they prob would of took that too.
  12. Anywhere i can read up on the unfair term bit? Below is the part of the contract Im talking about 1. Once we have signed the agreement we will pay the amount of credit into a bank account nominated by you. This agreement will come into force as soon as it has been signed by the borrower and signed on our behalf. 2. You agree to repay the amount of credit together with the interest and any charges by the repayment shown by no later than 8.00 pm on the date shown. 3. You grant us permission to debit all sums due under this agreement using either a continuous payment authority charge
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