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rhos123

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Posts posted by rhos123

  1. However, as I have said above, this will not help the OP.

     

    Supposing they had done this - what would then happen? The OC would write to him and say that he had not enclosed the required payment and ask him for that payment. This would no doubt take several weeks and the OP would be no further ahead than he is now.

     

    As I also said, Wescott are actually helping him in this case by pointing out that he has made the payment payable to the wrong party.

     

    I really don't understand why people are getting so heated about this. What is wrong with them pointing out the OP's mistake and asking him to make the correct payment?

     

    the the op did in fact send the required payment £1.00 fee, wescot know the rules or so they should, why dont they take a £1.00 out of their tea bag fund, send this to their clients, cash the op £1.00 payment, then add it back to their tea bag fund simple!

  2. Just received a letter from CCS Collect... this time stating that I owe the DWP £254.

    I assume that the debt is owed by the other guy, as I have never owed the DWP any money (in actual fact, I used to work for the DWP and they still owe ME £62 from a wages error in 2006!)

     

    The letter states that is is 'a formal notice of intended court action', and says I must pay the full amount within 7 days from the date of the letter (which is dated 10th march), and goes on to describe seizure & sale of moveable property and possible consequences for future credit applications.

     

    I know that CCS Collect are used to take on cases when the in-house debt management people think a particular case is not worth persuing themselves, but I'm a little concerned because DWP have all my details, and a quick check against the details of the actual debtor would show it is not me.

     

    Curious also how this is the first time I have heard anything about this, but it came so soon after receiving the letters claiming I owed capital one and lowell.

     

    Any advice/suggestions?

    hi, why not let this lot of chimps tea party fools carry out their threats, if its not you then you do not need not worry about this matter!

  3. No, Tingy is not correct on this.

     

    All that it needs to say is something along the lines of:-

     

    'We have bought your debt, please start paying us now'

     

    As long as it tells you that your debt is now payable to someone else then that is fine. There are some specific situations where they can give incorrect information which invalidates the notice but it is very rare that this happens. From what you wrote in your original post, this situation has not occured.

     

    I'm really sorry if this isn't what you hoped to hear.

     

    i would never pay them , why then when the original creditor sells the debt to these **** dcas it says something why dont they collect! i for one would never pay a **** dca even if i went to court i would tell th judge i will not pay the dca, i would rather go to jail.i would never ever pay a dca!!!!!

  4. Despite what the others say above, I would disagree.

     

    They have written back to you and informed you that they are not the creditor. As a result of this it is clear that you have not made a valid request under sections 77/78.

     

    The reason I say this is that you must pay the creditor a fee of one pound. However, you sent a postal order made payable to somebody else, so you haven't actually made a payment to the creditor.

     

    Now, if you had sent in your request and a postal order for one pound made payable to the creditor then Wescott would be under an obligation to pass on your request to the creditor due to section 175. However, since you haven't done this then, I would suggest, they are quite correct when they say that they cannot pass it on to the creditor without a payment made payable to the creditor.

     

    i sent my cca request to these bunch of muppets at wescot , the postal order was endorsed in pen payable to wescot / lloyds tsb . (their client) stupid fools returned the p/o with a covering letter saying please send this p/o to lloyds tsb, as we are not the original creditor. right so why are you asking me for payment then! i was under the impression that these dcas had some sort of a credit licence, and if so then they should know the rules! i have since sent the wescot fools a letter stating i will indeed not pay them a single penny! when their clients lloyds tsb contact me i will send the original £1 p/o to them and they will again be offered a token payment.

  5. This is the reply:

     

    "Hi

    Thanks for this information. I have located an account for you, however, it doesnt appear to match the events you have detailed previously.Is this account relating to a Barclaycard credit card or another product from Barclays Bank?If you would prefer to call me to discuss this then i will be available after 2pm on 0844 090 3111.Please also see our complaints process here, for your reference: you."

    (Had to remove the link)

     

    The Debt does not relate to a Barclaycard but a Store Card that Barclays underwrite. I do have a Barclaycard as well but Payplan have made an offer of payment on this and Barclays have accepted so there is no problem with this account at the moment. The letters I am getting are from Barclays and Mercers so it is definately them.

     

    I am not sure whether to phone or not?

     

     

     

     

    no DO NOT PHONE,

  6. Hi Guys,

    I'm looking for advice on my Welcome loan long story ahead - i'll try to keep it brief....

    In October 2008 took a loan out for £3575 to help pay for my wedding, I am due to pay back £6876 (Urgh it makes my stomach turn over reading that back) over 36 months at £191.70 a month.

     

    From November 2008 - June 2009 i made full payments and never defaulted. I then was made redundant and had to make reduced payments of £100 a month for 6 months Then after that from November 2009 - August 2010 I was making full payments, until I got made redundant again !

    Between August 2010 to date I have made 4 x £100 payments and 1 x £200 payment.

    Through each redundany I have kept welcome informed, as I cancelled my PPI I wasn't entitled to any payment protection (Understandably) but they said part payments were fine until I found another job.

     

    Heres where it gets ineresting... So to date I have paid off £3875.50 of my loan (which happens to be just over what I borrowed) and the amount due to be paid is £3000.50 (or not....)

    I called Welcome in Feb to ask if myself and my husband could go in and talk to them about the account as we had defaulted on so many payments, my husband is due a substantial payout from his workplace at the end of march and we wantd to pay the welcome debt off as we know we cant make the payments as i still have no job.

    I was told that there was no need for us to go into the branch and that my husband could talk to someone over the phone about it and get a settlement figure. I said we would prefer to go into the office but they were VERY reluctant. In the end we gave in and he spoke to someone on the phone, he was told that since the defaulted payments the account was now back up to almost £4000 ??

    He explained that he could afford to pay a bulk sum of £3000 but that was it, the man on the phone said we would need to make monthly payments after that to clear the rest of the debt. (which we CANNOT afford to do)

    Since Feb we have not been able to make any payments, Welcome called us and told us if we didnt make payment by the end of Feb the balance would be sent to a collections agency and that after the end of Feb they were by no means allowed to call us for any payment or anything....

    so, last week the 'branch manager' (a different one than what i had normally been dealing with) called my mobile, and was EXTREMLY rude, explaining that they needed a payment before the end of march to keep the debt with them, or else it would be passed to collections. (De ja Vu?) I explained that I had tried to make appointments for men my husband to come in but my attempts were brushed to one side, so with that, an apointment was arranged for last friday (18th march) for me and my husband to go in. On Thursday night i went through every bank statement online sincei took the loan out and wrote down every payment and every payment date, I had all my paperwork ready to take with me, incomings and expenditure,the lot. then i realised that being red nose day I had aschool concert to attend for my daughter and an opticians appointment too. and that i would not be able to make my appointment with welcome. So I spoke to the manager on the phone that i had arranged the appointment with. I put her on speaker phone so my husband was able to hear her, and she was so damnright rude it was unbelievable ! she told me i had to sort my priorities out and that this needed to be sorted 'today' and continued to tell me to cancel my plans etc. to which my reply was... 'i think your being extremly rude and opinionated and that she had no right telling what I should or shouldn't be doing with MY time' i was well aware the situation needd sorting and i had explained again that i have made previous attempts to resolve the situation but it had fallen on deaf ears. I explained to her that we thought it was extremly unfair that we are offering to pay back the remainder of the initial loan but that there was no way we could afford to pay the extra interest of £1000 and that by paying the £3000 we had offered we would only end up incurring more interest/charges afterwards as we cannot make monthly payments after that. she was determined not to accept any offer that i put on the table....

    Im going to cut this extremly long story short. Is there anyway I can have this excessive interest wiped and pay the rest of the original loan as i had intended? or am i totally bound to paying back everything thats been chucked ontop? - if so i'll be letting the collections team take it over :(

    thanks for reading .....

    hi, the more you feed these pigs the fatter they will get,

  7. is it possible to get the credit file updated as if they do not hold a "credit agreement" were is there permission to add data to the file ?

     

    i think it is possible but very difficult to do, you could try a letter of complaint to the cra about incorrect info on yourcredit report

  8. I'm Jealous though, I only get letters from Moorcroft with Pre-School Division on them, yet to have a Home Collections Division letter.

     

    In all seriousness, if anyone does turn up, tell them to get off of your property or you will call the police, they have no right to ask you for money.

     

    Stigman

     

    nobody from the moorcrap divisions will turn up! ive got lots of the pre-court division/ home collections letters from them in my suitcase!. of course all these letters are indeed sent from their bog division dept. the nearest toilet in their office!

  9. Hi I'm new to the site and would like some help. Iv had a letter from a

    Bailiff on behalf of hsbc, they are asking me to confirm my name to an

    Old address, Im not sure if the debt is over 6 yrs, and havent a way to find out.

    I haven't replied and dont no what to do, please help me would be grateful

     

    hi, dont reply to them i suspect this is some dca **** trying their luck! i never received any letters from bailiffs, they just turned up at my door after missing some ccj payments!

  10. Hello,

     

    Right lol got this letter today from "Moorcroft" this is DCA No 5. They have sent me simmilar on another account in dispute. Am i right in thinking that they are just fishing or they mean business? I have sent them the CPR letter today. But if they had any case surely 1 of the 5 DCA,s would have taken it to court? Thanks

     

    http://tinypic.com/r/2qko16t/7

     

    hi, that is a bog standard threat o gram from moorcroof, not worth the paper it is printed on, moorcroft have indeed many pre - divisions, ignore them all!

  11. As an aside...How much are the arrears?

     

    If they do issue a claim for the arrears they CANNOT collect the balance ;)

     

    the arrears amount is what they want me to pay in thier letter. as the deadline in their letter has now passed, and i have not paid them. would they be daft enough to issue a claim for the arrears?

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