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

tacklebob

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Everything posted by tacklebob

  1. tacklebob
    Thank you for all your help. I have now received a letter saying they are no longer acting in collection of the alleged debt. So what do I do know; just sit and wait until someone else contacts me? They have not returned my £1 postal order either.
  2. tacklebob
    "postggj" - I have sent a CCA request with the telephone harrassment letter as in my post. "Bazooka Boo" - I can not recall who's name the debt is in; it is that old. Because they had been ringing and harrassing my husband we thought it was him but it appears not!
  3. tacklebob
    IQOR started about four weeks ago constantly ringing my husband re a debt. Before that we had been paying another DCA in installments this debt and had never heard from IQOR. Despite him refusing to talk to them on the phone and telling them to put it in writing they ignored his plea's. I sent them a letter regarding "harrassment by phone" and "CCA request" with the help of this website. Because the debt is old and they had been ringing my husband I did all the correspondence in his name. I have today received a letter addressed to me saying they can not deal with my husband as they do not have my authorisation. BUT they have been harrassing him by phone and telling him to pay the amount outstanding. Can anyone advise me on how to respond to this letter? Thanks.
  4. tacklebob
    The YB have not given me a figure; just told me they are sending it back. They have cashed all my cheques and I am not sure how I will get it back. If I get it all back then it would make the amount the DCA are claiming as correct; but should I have to send that to Merlin or could I put a smile on my childrens faces this christmas with it and make an agreement with Merlin to pay in installments. Unfortunately the agreement is the original but I was expecting it as it is a recent debt. It is just the way it has been handled that makes me really cross. What would you advise in relation to the alleged Apex debt? Thank you
  5. tacklebob
    I have received communication from YB that they will be sending me my payments back and I have to pass them on to Merlin. Am I obliged to do this; it sounds really odd to me. Also in relation to my alleged debt to Apex. T hey ignored CCA letter and then when I sent in dispute letter they replied saying they was searching the archives. I have now received another letter saying the debt has been sold from Apex Credit Management to Apex Collections and please can I contact them with my payment proposals. Do I ignore this letter? I have not paid anything since I put the account in dispute.
  6. tacklebob
    I have put a formal complaint in to YB about why these payments have not been transferred to Marlins. But how can I put Marlins on hold until it is sorted.
  7. tacklebob
    It is not charges. I had an arrangement with YB to pay a weekly amount. They apparently sold the debt in September but did not send me a notice of assignment until November. So the payments made in between have not been credited. YB still have them!
  8. tacklebob
    Please can someone advise me further. I have now received from Marlin's a copy of my original credit agreement. But Marlins are still chasing me for the wrong amount. Payments made on the account made between when the account was sold to Marlins and me receiving the notice of assignment have not been passed on. What can I do now?
  9. tacklebob
    Today received a letter from Marlins saying "thank you for your letter received on the 17th November." Royal Mail must be so efficient as I did not post until the 21st. They do not have the relevant documentation and are applying to YB for it. But the worrying thing is the amount of debt outstanding is different to initial letter and is still wrong!
  10. tacklebob
    The assignment was just sent in the normal post accompanied by a letter from YB.
  11. tacklebob
    Thank you for your help. I have posted both letters today and recorded delivery. Can I also ask what happens if they do not respond at all to a CCA request. I have another debt that I reduced due to a drop in my income due to the recession. I paid the reduced installments on time but this debt was sold to Apex. I wrote a CCA recorded delivery to Apex four weeks ago but have had no response. Thanks again.
  12. tacklebob
    Thank you I shall sent that off. Is there anything I can do to stop them harrassing me on the telephone. I have never given them by number; this too must have been "sold" by YB.
  13. tacklebob
    It was a loan. I have not received a default notice. Due to the recession I am self employed and agreed with YB for reduced payments, to which I have kept to. YB have told me they have sold 58,000 debts to Marlin including mine.
  14. tacklebob
    can any one help? Marlin are ringing my mobile and house phone several times a day demanding payment, despite me telling them not to. I have tried contacting YB; for to be told by them it is nothing to do with them. The debt was sold in September but I have only just received the notice of assignment so all the payments in between have not been credited. Marlin just keep telling me to pay; but if I pay am I agreeing this is the amount I owe them. I know it is not a lot of difference but that is not the point. I can not afford to pay twice. Please can someone help?
  15. tacklebob
    I have today received a Notice of Assignment from Marlin Financial Services. My original creditor was Yorkshire Bank. The balance is incorrect by £73. What do I need to do? Thank you.

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