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Posts posted by idon'towemoney

  1. Sorry my information was slightly off, the job was nearly a year ago. It was a total of £18,000 and £8,000 was paid in stage payments by cheque with the balance to be paid at the end of the job, which is only a verbal agreement. What the sub-contractor is saying is that he cannot pay until his 5% retention is paid. Even if he was withholding 5% retention from my friend (£900) the other £9,100 surely should of been paid by now. My friend just wants to know where he stands legally for the outstanding balance.

  2. I have a friend who is a self employed tiler, he completed some work a few months ago and is still waiting for his money from the sub-contractor. The excuse he is getting is that "I have not been paid for the job, therefore i cannot pay you", now i thought this was against the law as he was employed by the sub-contractor, NOT the main contractor or client.


    Please help

  3. Thanks for that, it was what I was thinking all along, but what happens in these cases anyway, just because a DCA thinks they can collect the money it doesn't mean they can. I know my partner on principle will not pay these cretins he would rather have his say in court and considering he's self employed with not much work lately i don't think anyone will get any money.

  4. My partner took RBS to court back in 2007 for approx £1300 for bank charges, so from taking tham to court back in 2007 and up until now there is another £1000 full of charges and interest, however im not sure that RBS has sold this debt on we have had Triton, Apex, Allied credit and now Rob way chasing this debt, the other 3 just gave up after we sent several letters to them.

  5. Thanks for that, however he doesn't get any phone calls from them anymore just letters. The consumer library only has telephone harrassment letters because they haven't proved this debt apart from sending a copy printout of bank statments with huge amounts of interest charges on them. This is the fourth debt collection agency trying to chase monies the other gave up after a couple of months, maybe he should just file and ignore..

  6. Does anybody know on this forum of anyone actually been taken to court by a DCA for bank charges/overdrafts, you always hear of people being taken to court by DCA for Loans/credit cards, i just wanted to know what the position is because i thought for a DCA to take you to court for a debt the DCA has to have the correct paperwork and actually has to own the debt first because if they have neither then surely it wouldn't stand up in court, or am i totally off the mark....

  7. Yeah, honestly though i would love it to go to court and so would my partner, however if he ignores they are only going to start up their pathetic phone calls again and threatograms, i just really wanted to know if they have any right to collect this debt, otherwise if they don't we both have a bet going who the next DCA will be.

  8. I can't remember the exact amount but the balance when my partner took RBS to court was approx £1300 (never over £2000) they just kept putting charges on even though it was stayed. My partner is self employed, work has been very slow for him lately, there is no way even on principle he would pay back this money as the charges was what got him into trouble in the first instance. Three years ago RBS did offer him £1,100 in settlement, he declined on principle and look where that got him (3 bloody years of harrassment from DCAs). Anyway i know my partner would rather go to court than pay these parasites.

  9. Thanks, I was wondering if I could write to them asking if they actually own the debt because my partner is bloody sick of these people thinking they have all rights to collecting money owed. Is there a template letter asking (correct me if i'm wrong)for the deed of assignment.

  10. Many DCAs have been chasing my partner for an overdraft, we have had Trition, Apex, Allied Credit and now Rob Way, sent Rob Way prove it letter they came back with loads of bank statments, then sent a CCA with postal order (i know overdrafts don't cover CCA) my partner cannot afford to pay this debt even though originally it was for £1300 and at the time 3 years ago he took the bank to court, the debt in question is £2300 now, the other DCAs just keep passing it around and today Rob Way have sent the postal order back saying -


    Further to your recent letter, our client is entitled to pass defaulted accounts for external collection. Please note that as this debt relates to a current account there is no obligation under the Consumer Credit Act to provide a copy agreement. Copy statements have been recently sent to you. Please find attached your £1.00 postal order. Payment is now due on this account.


    So what does my partner do now, as said this has been a disputed debt with other DCAs and they just keep passing it around, don't know what my next course of action is any help?

  11. Hi there,


    My partner had an overdraft totalling to £1300, took the banks to court nearly 3 years ago they put a stay on it, to cut a long story short this debt just keeps going up and up and now he owes £2,300 even while he was taking the bank to court (RBS) they keep upping it. In the last 3 years we have had Triton chasing this money, they went away, then it was Apex, then Allied Credit and now Robinson Way. I sent the prove it letter a couple of months ago to Rob Way they come back with bank statements from 2003 to date, to be quite honest that means nothing, we already have these bank statment from when he took RBS to court.


    Could somebody please tell me what my next course of action should be as at one time we had Triton and Apex chasing the same debt at the same time and also the amount should not be £2,300 only £1,300. I get the impression from Rob Way they are a soft touch so far compared to Apex. Any help would be appreciative

  12. Thanks for your reply, the council is Woking Borough Council, they have Council properties, housing Association properties occasionaly they have Shared ownership properties, however Woking Borough Council now have another company called woking borough homes, they buy up properties in the Woking area and rent them through Woking Borough Homes and charge an intermediate rent, however my friends gripe is that up until May of last year anyone could bid for a Woking Borough Homes property and in the last 6 months you cannot now they are only letting you bid if you have an annual income of over £20 per annum, but what is so frustrating is every fortnight their is a new bidding list and 90% of 3 bedroom houses on the register are Woking Borough Homes properties she cannot bid on.

  13. Hi,


    A friend of mine has been waiting on the Council housing register for over 4 years, however she is a single mother of two, she is down under medical and bedroom deficiency.


    The way the process works is that you are banded according to your need, A being immediate, B the same (i think) C bands being high priority and D bands is under medical and bedroom deficiency, which she is in. Since the process started the council indroduced a new system of bidding up to 3 properties per cycle (every 2 weeks). Now however they have started to introduce elegibility factors, such as an income of £20 per annum or more which she used to beable to bid on, now however she cannot because she does not fullfill that criteria of income and most of the properties that are on the bidding cycle are the income based ones, so lots of applicants are getting housed before her.


    Is this blatant discrimination against single mothers, the unemployed and people with low income and disabilities because they are now blocked from bidding on those houses, where as they could before?


    Ideally my friend would love to beable to bid on these properties as there are are hardly any Council or housing assocations ones available. Does she have a case for discrimination?

  14. Thanks I suppose it is a bit of a grey area. My partner took RBS to court going back to 2007 they put a stay on it, the bank however have applied over £1000 of interest on this overdraft even though there was a stay on it. Robinson Way is the fourth debt agency to try and recover this money, sent prove it letters, CCA requests to the other debt agencies, never heard from them again and now Robinson Way are chasing.


    My partner has not paid any money into this account for nearly 4 years, this account is dead, he has another bank account and has for nearly 4 years now, however IF he had to pay any amount towards this debt, he point blank refuses to pay this added £1000 interest, so anyway he still wants to send them the prove it letter which I will do.

  15. Today I receive another letter from Moorcroft (notice of intended Litigation, i'm scared) saying that I owe £372.16, where on earth do they get there figures from?


    I have written to them saying that I can prove I don't owe them money, sent the relevant docs and yes, go on take me to court as I have no problem taking on a multinational company like Virgin Media and winning.


    Moorcroft are a bunch off idiots!!!!

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