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Everything posted by mjc007.5

  1. Good form from all, nice reading on a long cold night shift Question for Fred - what's a dmclub number? My phone provider kindly provided a free second line as a "longstanding customer" and this handles any calls I get at present (having had a nightmare of up to 20 calls a day across all my liabilities) but I am always on the lookout for a plan B (in case they get hold of my primary number again!). I would go the truecall route but cannot afford it so if you another internet based solution and don't mind sharing would be interested.
  2. Hiya, I believe I can be of some assistance with this particular company. They are indeed the DCA for Albermarle and Bond. They are the in house DCA for this firm with the same registered offices in Bristol (rather like Mercers and Barclaysharks). Chantry operate out of a PO box (how do these firms do that?) in Wakfield and some of the Albermarle and Bond head office paperwork also comes with a Wakefield address on it). As with many of their type - fairly standard nonsense to begin with (including a beautiful postcard advising me they will be calling to discuss the debt) then more reasonable w
  3. Hiya Plumfairy, If you clicked through on it worth giving the PC a spring clean (virus scan, spyware etc) just in case.... Best to treat links from all these firms as spam and file appropriately
  4. Currently they are down four figures overall with me and counting (written off rather than in my hand but all good!) If they actually did operate both their lending and recovery activities in a more responsible and responsive manner rather than the sledgehammer approach they mainly take there would be less debt problems (Any one of a number of my creditors should have been making me look at this around 2 years sooner than I did rather than lending yet more to a deteriorating risk) and more money repaid (we are actually mainly "cannot pay at the rate you are demanding" rather than can't p
  5. Thank you very much Sequenci - my point exactly but much more concisely! The ironic thing is that it is largely the unreaonable behaviour in the pursuit of the debts that started me (and I am sure many others) on the road to more than simply the administration of them ...... If the many and varied creditors had simply responded to my original requests to come to an arrangement to ensure that I could survive whilst paying back all my liabilities in a favourable manner I would probably have never found CAG or decided to stand up for myself!
  6. Afternoon all, My experience to date is not much to choose between them - both professional, talked me through the options. I have gone with CCCS and although some of their admin and support functions are a bit clunky the counsellors themselves remain very good I have learned quite quickly that there is not a one size fits all approach. CCCS have helped me steady a very rocky ship (particularly with the "mainstream") but we are combining this (effectively so far) with advice from the good folk of CAG and some limited legal input. I have also (for research purposes) used other si
  7. Hiya Petal, Hang on in there with it, you will be okay if you follow the advice of the good folk here and stick to your plan. As well as the sound advice already here Sillygirl1 has now posted on your thread and she also seems to have a raft of experience dealing with these firms (apologies if I have this wrong, your posts have helped me along the way ) and I think is further along the journey to sorting them out than me (in fact may have got there!). You have a number of experienced folk already looking in and we will all try and help as much as we can. Main concern is that
  8. Hi Gibbo2003, Sound advice from Sillygirl1. They are up to something - as well as the experience she outlines the "reloan" will be to try and get you to give up new account details. This appears to be an increasing tactic by a number of these firms when you have done the wise thing of changing bank accounts to put your weekly/monthly income out of their reach. I think might be worth writing to them with a copy of the email - thanking them for confirming that the liability is now settled and see if it plays out as Sillygirl outlines (one thing is very clear from dealings with
  9. Hiya Petal9, Sorry you have been unwell, hope you are feeling a little better now If it all seems a little daunting then best to break it down into small steps and prioritise - do the most important bits first as you feel able and then go from there. In almost all cases this will be taking steps to protect your next monthly/weekly income before it is due and if you have not already you must do this first. It will feel a whole lot worse if they get their hands on it first but equally if you are able to ensure it is out of their reach you have the first steps to feeling empower
  10. Hiya, On the posting issue, I have used what follows below which appears to be current accepted standard: With effect from 16 April 1985 the Practice Direction issued on 30 July 1968 is hereby revoked and the following is substituted therefore. 1. Under S7 of the Interpretation Act 1978 service by post is deemed to have been effected, unless the contrary has been proved, at the time when the letter would be delivered in the ordinary course of post. 2. To avoid uncertainty as to the date of service it will be taken (subject to proof to the contrary) that delivery in the or
  11. Hiya, As well as the telephone harrassment letter/email I would also add that the clowns are "frustrating your reasonable efforts to address your liabilities" and that as a result (if not already) you dispute the alledged balance (which will of course by now have gone further than the space shuttle! ) as well as any charges or interest. Probably worth a CCA request to the obviously incompetent - might bring you some useful replies (my particular favourite was "we do not have one... " ). Wonga - suprised they have been "friendly" (not to bad with me but my have there been some horror
  12. Hello Petal9 and welcome to CAG T2 is way to kind to me - although the bit about being a thoroughly nice cagger is 100% correct! Already some good advice from Mrs Weatherwax and plum fairy - if any of what follows duplicates my apologies. (1) As has already been said - do not beat yourself up about it. Very easy to say, but this is absolutely the best place to start (you will think far more clearly and their tactics will have less of an impact on you). I have been to a very dark place indeed with these firms but once I had the lightbulb moment and accepted that I could not c
  13. Good morning, If the DCAs are "acting for" (which I think is what you said earlier in the thread) then SAR to The Money Shop (others will correct me if I have that wrong! ). As T2upnorth says you owe one single debt to the Money shop (and contracted for the same) so they are in breach of OFT guidelines letting two DCAs "act" for them. Someone more wise than me would need to confirm if the rules are the same when the debt is "sold on" to a DCA - not sure if they might be have more room in that scenario. Generally this needs to be conducted in writing although you might want to
  14. Good morning, Generally all that you have detailed below would be in line with experience of these firms - escalating threats, huffing and puffing to try and make you pay more than you can afford (wait until you get asked to ignore a priority debt to pay them ) Wonga - it does seem that even with a payment plan they do "insist" on talking to you to "confirm" - should be apparent quite quickly if this is the real intent of the call and if not you can terminate the call. Refusing standing orders is bunkum there are many on here that are paying them via this method! Payday uk -
  15. Hiya, Agree if not real = fraudulent Even if real (unlikely) = given what you say about not recieving any correspondence or a CCJ then with the right advice from the more wise here should be able to set aside Has your employer recieved the letter/attachement of earnings form? If not they might be variant of the usual threats. If they have it presume they are not simply acting on it without further reference to you? (If they have acted on it then you have comeback on them as well!!) Best of luck
  16. Hi Willo, My two pence worth: Continue to push Halicrap through all available channels My inclination (I am in the moderate camp) is that if they back up any offer of refund/to settle in writing then would probably take it. As part of this you can invite them to make an offer of an additional sum in lieu of additional costs, distress etc (as part of a full and final settlement of the matter). This would be very much a play it by ear scenario - I have had one company who agreed to my request (although they took more from my bank than they could have legally claimed oustanding
  17. Agree with Pinky! Went looking a while ago but had to do some work in between times
  18. Hi Willo, I got similar from my bank initially - there is NOT a perpetual right of access to your account (although they will argue to the contrary - conveniently it appears only this "type" of trader seems to enjoy this privelidge - I have a recording of a bank worker telling me this!). They are trying to make you pursue it as a dispute with the "trader" but if no joy I would be complaining to all you can about the Halifax as well. In your case particularly there is documentary evidence that you could reasonably and with due diligence have considered the matter closed - taking an additio
  19. Hi Willo, One of the many legalised cowboys in this sector and in your case even when you have done the honourable thing and paid them off! First thing is that if this extra £250 card payment is either the money shop OR their DCA report it to the bank as a fraudulent transaction. You have written acknowledgement from Bryan Carter DCA acting on their behalf that the account has been repaid in full so for the bank it is not even a disputed account - the matter has been settled and they have stolen a further £250 from your account! In the highly unlikely event that this extra was even
  20. Hiya You can tell them to swing for it but in the spirit of working with them () to a mutually acceptable arrangement I would give them their screen shot(s) with enough info to confirm it was your bank and they were the beneficiaries but with the account number and sort code blacked out! (as with personal details for docs posted here). They are of course only wishing to confirm payment was set up and there is no way they would use the account details if they could see them to add their own direct debit to your standing order! Play their game sure, just remove the stuff they could
  21. Hi DD, Agree with you completely that sound legal advice specialising in medical negligence is the way to go - there are a lot of ambulance chasers out there and the best legal advice in this area will always emphasise that it is often a long and messy haul to get a result. I am glad your friend is getting the right advice and progressing in her case. I was just trying to add some detail from both personal experience and healthcare background. Whilst there is (as with any profession) negligence and malpractice out there (which is all the more serious because of the fact it relates
  22. Hiya, Agree with hotmamma (welcome by the way ) only real avenue for piece of mind from their underhand access to your account is to change accounts for your main income. Can be a pain but will provide complete piece of mind! Interesting take on the underhand attempts to access your account from man at WDA ..... the computer did it! :rolleyes: My experience of them to date has been the same - relatively easy to agree repayment plan but they did continue to try and take money from my account even whilst a repayment plan was in place! I understand why hotmamma and others choose
  23. Hiya, This is a standard tactic (I found across this and the more "mainstream") amongst lenders in that if does not matter if you are being pro-active and trying to sort it out they actually will not start working with you on any kind of repayment arrangement until you default! "Contractually" they are within their rights because agreeing a repayment arrangment before the customer defaults is effectively agreeing an early variation of contract and they are not obliged to do that. Morally and ethically they should be agreeing to work with customers who are big enough to have their
  24. Good morning Aine, You are doing well, stick to your position Wage day advance - not suprised but well done for spotting and heading them off at the pass. Quick Quid - nice email back advising that if they are refusing to accept standing order payment they are frustrating your attempts to reduce the debt and as such you have no option but dispute the balance and any charges (if not already). As they will not accept the fastest method of payment you can now provide (ie standing order) then the only options open to them are either crossed postal order or personal cheque (idea
  25. mjc007.5

    Good Old Nhs

    Hiya 68904, Glad you are on the mend and thank you very much for the positive NHS post! There are a lot of things the NHS can do better, mistakes are made (which as they often involve peoples health can be terrible) but the NHS actually gets the larger amount of what it does right. Nice to hear one of those positives for a change! All the best
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