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derek1

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Everything posted by derek1

  1. Why would an amount become due if the account was closed and they said we owed nothing! When I worked for the DSS many moons ago this would have been written off as 'office error'. I spent over 2 hours on tge phone to them today - no one knows why they have asked for age exempt has been asked for repayment from jan to march but they will look into it BUT IF I HADN'T HEARD WITHIN 2 WEEKS CALL THEM BACK AND THEY WILL ESCALATE THE QUERY!
  2. We moved on the 17th April from one council to another. We informed our old council and gave them thr new address just for final bill purposes and are now paying our new council. We received a letter stating they were closing the account and we were due a refund of £228.66 which arrived separately on the 8th of May. On Saturday we received a billstating we owed £1072.44 including the £228.66 refund! I have set up a payment plan and said how angry I was but every time I said about it to the adviser she pointedly ignored my comments! Can they do this? Also we had a slight rebate as my husband was on a low income but this bill has asked for it back from the 12th Jan to the 31st March? Any advise? Thanks
  3. Hi there, I entered into a Tomlin Order with Arrow in Feb 2013. We agreed to a final settlement amount of £552.27 payable monthly at £15.34 starting on the 31st March 2013. I had a letter through after about 4 months saying I hadn't paid anything and we realised I hadn't put a reference number on the bank transfers, the amounts I had paid were found and put against my account. On Saturday I received a letter saying thst RMA Resolve are now managing my account on behalf of Arrow and if the balance is wrong or if I don't think the letter is for me to contact them. The balance wax £483.44 as at the 22/09/2014 I called my bank and they read out the dates that I had paid -18 payments in all. I called RMA and the nightmare begins. They have never heard of a Tomlin Order, they have been sent the account as Arrow say I have only paid £32 odd! I have to email the Tomlin to them (a trip to the local library as our scanner has packed up), email proof of payment (£5.00 for the bank to produce statements plus a 40min round walk to our local branch), then they will have a meeting about the best way forward! I called Arrow to be told nothing to do with them now. What can I claim back in compensation? The Tomlin says they should review every 6 months and they haven't but apart from this I have kept my side of the agreement. I have checked the accoun details and reference number of Arrow and it is all correct. Any advice? Thanks
  4. derek1

    Overdraft

    Thank you Bankfodder We already have another account with another bank so that is already to go. I will wait til variuos dds have gone out this month before transferring everything over. Yes the od is £500. I will write the letter once all the dds and the money in has gone over. Someone has got a petition up - over 7000 signatures so far - whilst we know this will not make the slightest bit of difference, it makes us feel better!!
  5. derek1

    Overdraft

    The thing is if we move our income to another bank and just let Barclays get on with it - then the charges per month by the end of the year would put our debt with them to £750 which would mean they could try for bankruptcy. If we pay £3 odd a month into the naccount then that would keep it below £750 by the end of 12 months but then I would have to increase the payments to the amount that the charges would be anyway to keep it below £750 for the next years... either way our meagre income can't manage it! If I knew that they would freeze everything after 2 months then I would let it happen and just say we can pay £5 a month take it or leave it etc and the process will take its course! Little s**ds!!
  6. derek1

    Overdraft

    The od has been operating for years. If we can use our other bank we can live within our income but we do not have the extra £500 to pay off the od. We have a poor credit rating and also we can not afford to repay a loan even if we were able to get one! We are one of the 30% (so Barclays reckon) who will be adversely affected - adversely for us..profitably for them!
  7. derek1

    Overdraft

    These are the scandalous charges being introduced in June. Have you not seen the publicity for it? The BBC said that it will be cheaper to get a wonga loan. The shareholders have protested. People who can are leaving in their droves. Branches have overnight gone to one cashier and a row of machines. Business centres like the one in Dartford have closed very quietly. It is taking on average an hour to get through to Mumbai. So back to my original question how soon would they freeze the account?
  8. derek1

    Overdraft

    We just can not afford the new overdraft fees which in our case will be £23.25 a month as opposed to just over £5 a month now. My question is what happens if we just move all our business to our other bank account with obviously the overdraft not being paid off? How long before they freeze the account and send us for a ccj? Thanks
  9. Hi there I have had a letter from Transcom asking for £47.35 for Ebay fees. This is from ages ago when we sold a car. I couldn't remember how long ago so I foolishly logged into my old Ebay account. Can this logging in trigger Ebay to know that I am still around? My last feedback was from 2009 so around 2 years to go before statute barred. How likely am I got get someone knocking on my door etc for this amount? I have read of harrassing telephone calls but thankfully we have changed our number a couple of years ago so should be ok. Many thanks
  10. I have searched CAG and googled and the feeling seems to be that there is no point in complaining about them as nothing gets done (1 person even went as far to say that the head is a rector so is only interested in talking aboit God!!??!!). So my question - do I bother to complain or just let it go and fume?? Thanks
  11. Does anyone have an email for Tracey Newman director of dispute resolution??
  12. Hi there, Does anyone know who is the actual head of the energy ombudsman for England? I need to complain about the ineptness of one of their investigation officers. Many thanks
  13. I've never paid anything towards it and I was only at uni for less than 1 year September 1998- March 1999. I did fill in the deferment letters when asked to do so.
  14. Probably 2009 when I sent off the deferred request - so less than 6 years. Looks like it would be better to set up a payment plan.
  15. Hi there Can anyone advise me please. I took out a student loan with the student loan company in 1998. I didn't finish the course and have never earned enough to make repayments. I moved temporarily and told the Student Loan Company when I filled in a deferment form for that year, and when I moved back to my origianal address I sent a letter in. I didn't hear from them and simply forgot about it all. I have had a letter from CCS Collect so have been in contact with both the Student Loan company and the debt collectors. I have sent the forms off for a deferment. Tonight the Student Loan Company said as a passing comment that the deferment if agreed would only be for 3 months and I have to make a repayment plan for the balance with CCS. The Student Loan Company said that they wrote to my temporary address in 2010 and have no record of me moving back and it is down to me. The amount of loan outstanding is £2k+ and I now owe this amount less £150. Should I make a repayment plan with CCS now to save all the hassle? Are CCS likely to try and make me bankrupt? Any thoughts gratefully received - many thanks
  16. No it was not about customer service at all! In fact one of the questions was if they offered financial services such as loans would I buy form them!!!! What are they planning for the future I wonder??!!??
  17. So 1. Being threatened with bankruptcy for a £1400 debt 2. Borrowing money to pay a lump sum off 3. Entering a payment plan in November 4. In Jan the court decides to give Lowell more time to serve me after hearing the case early cos they didn't realise I knew the case was on that day 5. Having to go back to court and Lowell requesting through a letter another adjournment 6. To finally having the case dismissed this month LOWELL HAVE NOW SENT ME A CUSTOMER SATISFACTION FORM TO MAKE SURE I AM HAPPY WITH THEIR SERVICE!!!! Er no ... you are blatantly abusing the court system! Unbelievable!!
  18. UPDATE In court again today. Lowell had written to the court to say to save costs they would not be attending and can the court grant a further 8 weeks to see if I keep to the [payment plan - cheeky g*ts! The debt is now £950 having made the one off payment and 6 months payments on the payment plan! The judge agreed with them and I have to go back on the 1st of July. He did say as I sat down that I only have to get it to £750 and they can't do anything about it!!
  19. I emailed Lowell for verification of the amount owed and receipt of payments. They sent me a reply saying they have passed my query to the correct department and whilst they are looking into it all debt recovery action will be suspended!!!! THESE PEOPLE ARE COMPLETE IDIOTS!! - LOL!
  20. Just an update the petition was served yesterday and the man asked if I knew what to do next. i said yes and I had been paying them since November to which he replied - they are a rubbish company. We had a chat and he said that Lowell must be stopped!! Had to laugh!
  21. Based on what concrete grounds? The hope that they wouldn't serve? I called Lowell 1 hour before the agreed time for the server to be at my house as far as I was concerned I was going to be served that evening. The hope that the judge would throw out the case because I wasn't served - despite even the clerk saying that this would happen the judge granted them another 21 days to serve. Saying Lowell didn't haatements and T Mobile have supplied v e the paperwork - they have supplied ststements and T Mobile have supplied information to myslef and Lowell during this episode. I also called the debt line (?) who said that normally they would say fight it but 1 lady had called within the last few days and had been made bankrupt. As I stated at the time I did not and still do not see how the bankrupty could have been avoided without me setting up a payment plan. As you know there are other ways to serve a petition and indications stated that they would have followed these. It is only because I have set up a payment plan that they haven't served me yet and of course they still can serve me. If anyone can give me a concrete argument not a 'maybe' 'should' but a 'must' and 'this is the law..' then I will stop paying the installments and go back to court on the 29th - by which timethey will def have served me for breach of the payment plan as verified by the telephone conversation - and I will fight. I owe the money - I have been caught out - the court is working for Lowell at the moment cos they did not chuck out the case for non-serving when they had the chance - it is still on-going.
  22. Hi All For those who have been following my problem Lowell filed a bankruptcy against me in Septmeber but have never served the petition. I only found out about the court date when I called them to pay a lump sum (£600) and set up a payment plan. Even the bankruptcy clerk said on Friday when I called to see if it was still going ahead that I needn't turn up cos it there was no case to answer! When I arrived today I found that: 1. Lowell had sent a representative 2. The case had been heard at 12:10 as they thought that I had no knowledge that there was a cashate so therefore would not be attending 3. The judge had ruled for a 21 day adjournment so that they can serve the petition 4. The representative knew nothing about the lump sum or the repayment plan so therefore the judge knew nothing of thid either! She asked if I wanted to speak to the judge and I said yes! She re-iterated to the judge that they wanted an adjournment and of course did not mention the payment plan or the lump sum. During my conversation with the judge I told him about the payment plan and about the failed appointments to serve me and that they had added costs onto my debt and that the telephone person admitted that they would be asking for an adjournemnt and then a dismissal once they are sure I will keep to the payment plan. The judge seemed taken aback that no one knew about the repayments and slightly annoyed that I hadn't been served. He asked the rep to look into it. He then said that I might not be served! He said that it was evident that I was not fighting the case and that I wanted to re-pay it as quickly as possible - yeah right!! So we came out and the rep said that I should keep checking with the court for the next court date!! Watch this space!!!
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