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padja

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Everything posted by padja

  1. Parking Eye have lost in court http://www.derbytelegraph.co.uk/Motorist-8216-ecstatic-8217-Derby-court-victory/story-21658621-detail/story.html
  2. I'm thinking Westcot have purchased a bulk load of debt from someone as yesterday I got a lovely text from them asking me to contact them urgently (ha yeah thats going to happen) then today I got a phonecall asking me to contact them urgently (see previous response), I would like to thank them for using phone numbers that displayed they are now on barred caller list. And I know that there is no debt on my credit file (last checked yesterday after text message) Also know that my last trouble with debt was Sky TV over 9 years ago, and last ever contact with Lowells was for capital one debt which was 14 years old. Its pretty obvious that they have no address for me as there is no letters or that they dont have my landline. ohhh well better luck next time westcot
  3. strange that thats what they said about mine it was a PO order (I've only ever used PO order once in my life and that was to pay for a deposit for a holiday), as imp said ask them for reference numbers but make sure somewhere on letter you put you dont acknowledge debt, otherwise they may say you have acknowledge debt in correspondence. and yes when you fight back it becomes an admin error...they really need to get better admin the amount of 'mistakes' they make
  4. how are they taking it? direct debit? standing order? If you have no account or any business with them I would say its theft or fraud (I could be wrong on that) and I would personally talk to police. if its standing order or direct debit quite easy just cancel either one
  5. they did the same to me, I just wrote to them saying "I take note of your fictitious payments I look forward to seeing you in my local court where you will be asked to provide proof I made a payment and I will vigorously defend any action you bring, see you in court" because they were so stupid as to send me a statement which included the dates they said the payment was made, which showed not one payment. They never wrote to me again
  6. I wouldn't worry because the £55 charge won't be paid, we will clear the account and leave E.on after being customers for 15 years, you haven't responded to an email sent on 28th about it we have looked around and get much cheaper deals elsewhere so we have decided that this was the last straw. I've had the answer I wanted off DX the charge can't be enforced so that's all I wanted to know.
  7. he was stood in an E.on sweatshirt, with E.on id card and I can assure you our arrangement was set up to pay off one bill, from september, the amount was £163 we paid £100 on 27th, the visit was 29th yet it when the E.on official came they had not removed the £100, the balance was still £163. and we had no phonecalls, no letters nothing he turned up in full E.on uniform....
  8. thanks I can confirm we had no notification or letter for home visit
  9. hello all, we had an agreement to pay arrears off on gas/electric at £100 for electric, and £20 for gas, we paid both on time except for this month we were two days late, but we paid £100 off both so reduced gas debt to £85 electric is now £300 (the arrears is due to having a years worth of estimated bills) However today a 'rep' (doorstep collector) turned up about the gas arrears, obviously I told him to go away, however for them coming round they have charged us £50, now not being au fait with energy companies is this charge legal? do we have to pay it? If not is there a letter in library we can send them to tell them to foxtrot oscar with their charge? thanks all
  10. I would contact your local social services, I know that what you get can vary council to council due to cuts etc. Social Services should be able to answer these questions much better and make sure you dont miss out, my mother in law was awarded higher rate DLA and after 3 months of being passed from pillar to post, one call to social services got shower room, stair lift, central heating fitted, and rewired house, but some of those were grants from different pots so thats why its best to go to social services they know whats out there
  11. me thinks private eye may be just cabot or fire...... I've never known Brig or DX to give any duff information at all
  12. a debt collector has as much rights to turn up on the doorstep as does a milkman.....in other words none. First thing is fire off the phone harassment letter (its in the library) that way everything is then done in letters, next fire off the letter (again in library on this forum) revoking their right of access (that stops any possibility of doorstep visit),send all letters recorded delivery, if after they have received these letters they continue then you can fire complaints off to FSA. That should give you a peace of mind about visits etc. Next was there any PPI on the card? if so then fire off a claim for charges and compo. The letter saying we will consider any reasonable offer would appear to me they have little interest in getting full amount rather they want to recover what they paid for the debt, I would in my opinion just keep the letters they send and have no contact they may well give up when it becomes apparent you arent going to pay and that after the two letters you are being advised what to do, (they dont like that as their bullying tactics wont work), when was the last payment made? what probably happened is Cabot made their cash out of you then when they realised they couldn't get anymore cash just sold it on for another pig to shove its nose in the trough
  13. my results Strength 1. Fairness Treating all people fairly is one of your abiding principles. You do not let your personal feelings bias your decisions about other people. You give everyone a chance. Strength 2. Curiosity You are curious about everything. You are always asking questions, and you find all subjects and topics fascinating. You like exploration and discovery. Strength 3. Critical Thinking Thinking things through and examining them from all sides are important aspects of who you are. You do not jump to conclusions, and you rely only on solid evidence to make your decisions. You are able to change your mind. Strength 4. Originality Thinking of new ways to do things is a crucial part of who you are. You are never content with doing something the conventional way if a better way is possible. Strength 5. Social Intelligence You are aware of the motives and feelings of other people. You know what to do to fit in to different social situations, and you know what to do to put others at ease See I knew I was a genius and friendly...now give me a F***** job or I'll nail you to a wall by your tongue...........see I'm calm collected and sensible
  14. well this is going to end well theres going to be a raft of false arrests, lawsuits, cock-ups, and the tax payer picking up the inevitable bill and then they lose contract
  15. tescos, morrisons, and asda's are green........ohhhhh and another thing that annoys me picking up the poo and then throwing it in my hedge........
  16. it also depends if the area is subject to a separate Dog Control Order under the Clean Neighbourhoods Environment Act, this will cover leaving dog mess (level 3 fine £1000) and if you let the dog off the lead that will be another level 3 fine, but if its just under local authority dog fouling it will be a £75 fine. To give you a fine they will have to be a witness statement saying they saw the dog, saw it mess, saw it return to your address. If they have this you can take the fine and that will be the end of it or you will have the option of defending it in court, if they have a witness statement I would advise to accept the fine. Opting for court could mean you, if you are found guilty, getting a larger fine plus costs. Like I said if you are in social housing the council may be attending to issue a warning through your tenancy for failing to clean up after your dog. Like has been said let them in after all they may be just coming to offer you advice and a warning, I use nappy bags for poo bags I get them from Tesco 35p for 100 (asda, morrisons, sainsburys all do them on their value ranges).
  17. pay the £75 fine, however if you are in social housing, your tenancy agreement will say about controlling your dog and cleaning up after your dog so they may take further action over that. But I dont have much sympathy I clean up after my dog and many others do, but people like your self give us a bad name
  18. have you got a doorstep that needs collecting?
  19. well today I took lady concerned to council to discuss her CT arrears and getting council to take it back due to her vulnerable status, well we started off with a plonker who didn't even understand about vulnerable status.....however I got them to get a supervisor and after 55 minutes we got council to take the debt back, she now has agreement to pay £5 a month until other debts are sorted. next on my hit list is Lowells
  20. no he was kept on the drive there was no way he was coming in. I've told her straight to let no-one in regardless of what they say
  21. thanks for that she now understands where I was coming from, we have already sorted out 3 debts that were in fact SB, so there put aside for time being (forever in reality) the next 3 which these questions have answered are being dealt with through letters in library (I actually think 2 will clear off once we start with the official letters) Yesterday she had visit from bailiff about Council tax, but and in all fairness the bailiff was quite nice and when I went through her circumstances agreed she fell under vulnerable status and said he will fire it back to head office saying so and to his credit wrote a short letter for her stating this, as he said although he will tell head office he half expects another bailiff to be handed account to chase but said it will give us space to get onto council so nice to see there is a decent bailiff out ther, we have a meeting on tuesday with council tax dept so expect it to be sorted soon. thanks for replies
  22. hello, a couple of questions (and sub questions) which my help others too 1. Can a DCA take you to court over a debt they are chasing but havent bought? a) if not what law is relevant or case law 2) if the debt is in dispute can it be assigned to a DCA for collection? a) if not again relevant law or case law b) if it is assigned to a DCA despite this must OC inform the debtor which DCA it is before DCA contacts them I'm asking on behalf of someone who is very distressed by it all and cant believe she has protections despite me telling there is I think seeing it in writing from others will reassure her and let me help her. poor woman has debts galore thanks to ex but slowly I'm going through them with her
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